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Article – Greatest Movie Of All Time?
Greatest Movie Of All Time?
How many times have you heard the term 'greatest movie of all time' or 'essential viewing for all film students'? During an open day at the University of Aberystwyth two years ago I heard one such proclamation referring to Citizen Kane. The wonders of the film personally fell flat on me, though I could see why some people love it. The movie is breathtaking to look at and I couldn't stop examining the lighting and camera composition, but the story baffled me no matter how many times I watched it. While all judgements are subjective, here are 7 pre-millennial films I have seen commonly mentioned in this way that I believe are absolutely worthy of their accolades.
The Shawshank Redemption (1994)
The power conveyed despite this film's simplicity cannot be understated. This is a deeply moving story of resilience, loyalty and redemption and for this reason is one of my favourite films of all time. It doesn't require innovative filmic techniques to make an impact, but the story alone does the work.
It pulls no punches in presenting us with the horrific reality of life inside prison, complete with its truly corrupt authorities. We see the full range of the human character, showing no person is black and white, and surprisingly that the people locked up display more signs of decency than those detaining them.
Powerful performances from Morgan Freeman and Tim Robbins carry the film from its opening to closing points, both understated, directing attention towards the colourful supporting characters, all the while cunningly distracting us from the activities that build to the grand twist at the end. And the reveal is simultaneously so brilliant and witty that it's extremely difficult not to react when you watch it. The ending may seem saccharine to some but it forms a feel-good conclusion to what could at times be a dispiriting story. For its ability to pull the heartstrings alone, I believe it is worthy of all the praise it receives.
Psycho (1960)
The father of the slasher genre and I believe, the best. This film continues to affect me as I'm sure it did people at the time of release. It's a true innovator in the world of filmmaking. The iconic shower scene has become such a standard in cinema that it borders on cliché, but there is a reason this scene struck a chord in the first place.
As well as its groundbreaking techniques, this film introduced a trope that had not been explored much – the idea that the murderer could be the person you least expect. Psycho draws the audience in through a series of 'MacGuffins' (narrative red herrings), encouraging us to empathise with the protagonist, Marion, and become invested in her plight over the stolen money and her wish to marry her divorced boyfriend, only to have her brutally murdered 30 minutes in. The tone shifts dramatically as we suspect the seemingly innocent Norman of disturbing acts. Typical of Hitchcock the film relies not on gore but on suspense and the genuine acting ability of the cast. Techniques may have evolved, but Psycho continues to horrify and compel years later, which is why it deserves its place among the greats.
2001: A Space Odyssey (1968)
Directed by Stanley Kubrick in the late 60s, this film is a wonder in its power of foresight. Innovative techniques and minimalistic set pieces make it difficult to believe Kubrick and fellow writer Arthur C Clarke didn't actually take a trip to the future when producing this work. 2001 attained a sense of timelessness that not even the 80s sequel could achieve – probably because cluttered 80s décor went out of fashion quicker than 60s art deco.
This film stands out for me as one that pays no heed to the conventions of Hollywood films; particularly those made nowadays that cater for short attention spans. As is Kubrick's style, the film uses one extremely wide long take after another in a way that, as long as you switch off your computer, put away your phone and block out all other distractions, transfixes you until you completely forget you're not in space. The result is jarring and the final act as we travel to 'Jupiter and beyond the infinite' is one of the most terrifying cinematic experiences I have had. This is an incredible feat for its time and not something I can see being pulled off in quite the same way since.
American Beauty (1999)
A satirical, and deeply cynical look at American society. This film reflects with brilliant acerbic wit the worst of what domestic life could be. But what starts out as a hilarious cast of stereotypical characters, turns into a nuanced and emotional observation of the human condition, the message being 'nothing is ever what it seems'.
The use of mise-en-scene (visual language conveyed through anything on screen) is beautiful; the red of the front door, the white of the picket fence and the deep blue of the sky embedding the concept of the American Dream into almost every image, and the recurring presence of red rose petals produces a powerful sense of passion.
The end of the movie moves me deeply every time and is on a par with the end of the Shawshank Redemption, although with a more bittersweet edge. Stirring soundtracks from Thomas Newman, containing notably similar strands of music, aptly hold both films together. There are few films that so tightly interweave haunting reflections on life and black comedy as American Beauty does and I admire it for that.
A Clockwork Orange (1971)
Another movie by Stanley Kubrick – and this was the first I saw. An unsettling film to watch – uncomfortable for some, and understandably not everyone's cup of tea – but I was so affected by the moral dilemmas it raises that it remained with me ever since.
The story falls in two halves, the first showcasing the foul antics of the protagonist and his 'Droogs', the second taking a sharp turn and offering some incredibly challenging points. It certainly makes you question your morals as you identify with the sadistic guy but I believe if not for the graphic nature of the first half, the second half would not be as powerful. Many people I know maintain a justifiable aversion to the movie but I believe it was ahead of its time with a powerful message to share and was unafraid of upsetting society in doing so.
The film caused such uproar upon release that the director banned it on the grounds of the death threats he received, but since his death it has gained a new appreciation, suggesting society has simply adapted and is ready to accept that beyond their comfort zone.
The Seventh Seal (1957)
An unusual one, and not the most widely known. This discovery was brought to me by a cinema buff in a film group I was a part of for five years. This boy's extensive back catalogue of viewing could put anyone to shame, and when he brought this up as a possible screenplay adaptation for one of our video projects he was met with a few blank stares.
As it happens, this is a thought provoking and haunting piece of work. Directed by one of the forefront European directors of the 20th Century, Ingmar Bergman, this film has mixed reactions particularly from modern audiences due to his 'talky' style. It's Swedish spoken and I refuse to watch dubs if I can help it as I don't like to lose the original line delivery, though for some it could pose a challenge.
Depending on your outlook, this is either incredibly depressing or an optimistic picture of hope for the future amidst dire circumstances. For me it's the latter. The film tells of a knight recently returned from the Crusades to find his homeland in the grips of the Black Plague. Arriving on shore he bumps into the Grim Reaper, presumably ready to carry him to the afterlife, but instead the knight challenges him to a game of chess in return for the chance to explore the meaning of life.
The film is beautifully shot and makes profound points that some consider pretentious. The pacing may be slow but the gypsy family's subplot is sweet, as is the comic relief, and if you give it the time it is definitely worth the watch.
The Silence of the Lambs (1991)
Of course the film with one of cinema's most notorious cereal killers besides Norman Bates has to make it to the list. The Silence of the Lambs is incredibly chilling, especially in its portrayal of Hannibal with an iconic performance from Anthony Hopkins. We feel as trapped and vulnerable as trainee FBI agent, Clarice Starling, following her on her mission to unearth information on the cereal killer Buffalo Bill with the help of cannibalistic psychiatrist, Hannibal Lecter.
The performances are definitely the driving force, but the dialogue is intelligent and suspense created by the subdued lighting and camera placement is intense. A worthy giant in the crime/thriller genre.
My mission to watch as many of these movies as I can is far from complete. I have yet to see the many Quentin Tarantino films I hear about and my mission to devour Hitchcock's and Kubrick's filmography is going strong. Not every film other people like will match your taste but I discovered there are countless gems begging to be discovered if only after a search.
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Abigail Robinson
Work Experience Contributor


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Master your mascara application with a three-step process:
Step 1: Wiggle the wand left to right at the base of lashes. It s the mascara placed near the roots — not the tips — that gives the illusion of length.
Step 2: Pull the wand up and through lashes, wiggling as you go. The wiggling part is key: Wiggling separates lashes.
Step 3: In this final step, close the eye and place the mascara wand on top of lashes at the base and pull through to remove any clumps.
For some, lash combs are simply too fussy. But for some makeup artists, they're a great invention and keep lashes glob-free and perfectly separated. So how to use? Apply mascara at the lash base. Then wiggle the lash comb through to the tips of your lashes. Not into the lash comb? Get rid of clumbs without them by removing excess mascara from the wand. Wipe wand on tissue, this eliminates blobs BEFORE you start.
A trick makeup artists use to make lashes pop is apply one coat of lengthening mascara, followed by one coat of thickening mascara.
Blink onto the brush to give ends an extra coat.
Sometimes mascara smudges because it's attracted to oily concealer or eye creams.
Zig-zagging the wand back and forth during application helps cut down clumps.
To make eyes seem wider, apply to the bottom, too. But make sure you give lashes a light touch. Not great at getting those bottom lashes? Try putting a tissue under them before application.
Just make sure to do it before the first coat dries, otherwise you'll get clumps.
This only introduces air into the tube, which will cause your mascara to dry out sooner than it should.
before blinking so don't get mascara on your lids.
{Pic: Marie Claire}

subset: commoncrawl


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Freshwater Gem, meticulously maintained and ready for new owners. Recent upgrades include flybridge Garmin Electronics, Teak Decking on swim platform, cockpit, and bridge, Vitrifrigo drawer style Fridges and Freezers, Satellite TV, and More. Call Today.
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text: 1010101110 0 Posted July 29, 2013 Where should i be shooting for a smaller windows 8 iso size? Is there better way to make it smaller than i did without removing core functionality? OEM ISO: en_windows_8_pro_vl_x64_dvd.iso 3.33GB Mod ISO: Win8-ByMe.iso 2.59GB keeping: IE, remote desktop, .net 3.5, windows update process:1. DISM mount, remove all metro apps, cleanup, unmount - commit2. toolkit remove compenents, add tweaks, rebuild3. vlite remove components, rebuild4. vlite make ISO Quote Share this post Link to post Share on other sites


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SOLV3D encompass™ (Encompass) is a web-based solution that empowers your data and provides an engaging common operating picture, easily accessible by all stakeholders.
With the ability to bring together geospatial datasets from many sources, Encompass provides a wholistic view in which visualization and collaboration between team members is intuitive and easy, yet incredibly powerful.
The simple interface provides access using only a modern web browser. Encompass rapidly expands the participation from a limited set of users to an entire enterprise - barriers based on physical location or software expertise no longer apply.
Create Tags on Points of Interest
Through our Collection Discussion feature, drop 3D pins at points of interest to rapidly catalog or bookmark locations that need to be tracked or require associated information. Add conversation threads, upload documents, make annotations or connect to external systems - all to create a robust and detailed record of each point.
Perform simple measurement functions in SceneView and AerialView to quickly determine rough estimates. Make notes, save and share these measurements with other users.
Off-site teams can make measurements to size up areas and determine positional fit for assets on-the-fly: anywhere, anytime.
Esri ArcGIS Enterprise Widget
The Esri widget for Encompass allows for easy integration and collaboration between Esri and your Point Cloud data.
Link AutoCAD
The Encompass AutoDesk Plugin provides user the ability to navigate within the Encompass session to location objects within AutoDesk. As well users can push objects from AutoDesk into Encompass and send cross sections of Point Clouds into the drawing.


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We are a commune of inquiring, skeptical, politically centrist, capitalist, anglophile, traditionalist New England Yankee humans, humanoids, and animals with many interests beyond and above politics. Each of us has had a high-school education (or GED), but all had ADD so didn't pay attention very well, especially the dogs. Each one of us does "try my best to be just like I am," and none of us enjoys working for others, including for Maggie, from whom we receive neither a nickel nor a dime. Freedom from nags, cranks, government, do-gooders, control-freaks and idiots is all that we ask for.
Work Culture: Up or Down?
Ask a farmer about work hours. During my career-building years, I worked 12-14 hour days. I have never regretted that, and I learned a lot in doing so. Oftentimes in my NYC days, I needed to work 24-hour days and all weekend too, and you would never hear any bitchin from me about that. Glad to have the work. Many times caught with my unconscious face planted on desk.
In my current self-employed era, I work just as hard and long as I choose to. Rarely less than 11 hours/day, and in spare time on weekends. Work is good. Mrs. Barrister values my effort enormously, which encourages me and cheers me on. She rewards me by being sweet to me and by making me a nice life. I am productive, useful, and I make money.
What else would I do, anyway? I like to read books at night, not during daytime. I surf the web when I need a short break from concentration and writing. I hate the boob tube.
It has been a great pleasure for me to provide Mrs. B with the ladylike, genteel life she aspired to. Raising kids, playing sports, seeing friends, volunteering, gardening, cooking, reading littacher and studying art history, messing with the horses. Just like her Mom. Fine with me because it all enriches my gracious Connecticut life.
Weekends I mainly structure around manual labor around the Barrister Estate, church, and socializing in evenings. We are constantly making new friends, sometimes more than we can handle. It all does me good. Life is short.
I intend to work until I drop, or until nobody needs or wants me. I guess that's my Calvinist culture and upbringing which requires being useful and productive. It works for me. Vacations and trips, however interesting, make me restless. Except for Thailand, India, and the Midi. Camera? Never, ever. After the kids got bigger, I threw it away. For me, it interferes.


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Food is a big part of graduation party 2019. Will you be having a caterer make the food or will you be doing it yourself? Either way, you'll need to decide if you are serving a meal or just finger foods. Graduation party recipes can be any type of party recipes depending on the type of party you are planning. Favorite foods for formal dinners will be different than picnic favorites. Try to incorporate some school and your teen's interests when cooking and baking for your graduate party. Head to Party Glitters locations in New York City, Brooklyn, Queens and Long Island for baking molds and cooking supplies for graduation party. Please find some popular recipes below:
Smiling Grad Cupcakes
These fun easy cupcakes that can double as a center piece for a graduation party. Try the caramel icing for these! When thinking out a graduation party recipe like this one visit Party Glitters party supply store first for the largest selection of cupcake toppers in New York, Brooklyn and Queens. Then have your teen give you a favorite flavor of cupcake to make and decorate.
Graduation Chocolate Covered Pretzels Recipe
There are many different types of graduation molds you can choose to use for your teen's graduation party foods. Visit Party Glitters party supply store for the largest selection of graduation party molds in Long Island.
School Colors Chocolate Pretzel Wands
These school colors pretzel wands are as much fun to make as they are to eat. They make a wonderful graduation party favor when wrapped in cellophane and decorated with curling ribbon. The recipe is fairly simple if you buy melt and pour chocolate wafers for the microwave. Be picky about the type of pretzels you buy, generics tend to break more often.
Graduation Diploma Wrap Recipe
This easy graduation recipe is great for lunches, brunches, picnics or as an appetizer if you make it smaller. Using trimmed edges and a little food coloring and we came up with these fun wraps. They are very versatile and you can use any sandwich wrap fixings.
Graduation Party Recipes: Cap and Diploma Chocolate Mints
Easy chocolate graduation mint party recipe to make for favors or as an after dinner mint. Stop by Party Glitters for the largest selection of graduation party chocolate mints.


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The importance of education in life cannot be overstated. It shapes individuals in their formative years. It is said:
If you are planning for a year, sow rice;
If you are planning for a decade, plant tree;
If you are planning for lifetime, educate people.
At Mount Litera Zee School Varanasi, we provide opportunity to each child to explore one's capabilities through scholastic and co-scholastic activities and to develop the potentialities as an individual as well as a member of the society. We help the children develop qualities that will make them confident and independent as they grow by building their self-confidence, enthusiasm, self-discipline, skills like problem solving, decision making, social and respect towards environment and nation. Children who focus only on increasing information and developing their knowledge and skill will not be fulfilling life as an adult. Life demands more than knowledge and skill. As knowledge expands education spreads, a whole lot of people get cleverer, but they do not become happier and the world they help to build does not become any better. Because, cleverness is hollow when it does not have good values to back it. It is like a dry well. Hence, in addition to knowledge and skill, parents and teachers must model good values to the children.
With this I wish the literans all the very best for all their future endeavors.
© Copyright 2019 Mount Litera Zee School, Varanasi | Powered by : N T Soft Technologies


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Director: Chris Noonan
Information about the director.
The surprise hit of 1995, this splendidly entertaining family film was nominated for six Academy Awards, including best picture, director, and screenplay, and deservedly won the Oscar for its subtly ingenious visual effects. Babe is all about the title character, a heroic little pig who's been taken in by the friendly farmer Hoggett (Oscar nominee James Cromwell), who senses that he and the pig share "a common destiny." Babe, a popular mischief-maker the Australian farm, is adopted by the resident border collie and raised as a puppy, befriended by…


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The First Lady, Mrs Rebecca Akufo-Addo, has called on Ghanaians and corporate bodies to build the spirit of volunteerism and social responsibility to move the country forward.
"Let us build this nation together," she said.
Mrs Akufo-Addo said this when officials from HFC Bank called on her, in Accra, to present a cheque for GH¢270,000 being donations mobilised from a cycling event.
The cycling event, which was a 688-kilometre ride from Tamale to Accra by 13 cyclists, was to raise funds for the construction of a Community-based Health Planning and Services (CHPS) compound for the Nyanshegu community in Tamale in the Northern Region.
Dubbed the 'Ride-Out-Malaria' Initiative, it was a collaboration between Infanta Malaria Prevention Foundation, where the First Lady is the chairperson, and HFC Bank.
Mrs Akufo-Addo commended HFC for its participation in governance and in the provision of essential services to better the lot of all citizens.
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Genamics JournalSeek
Crime, Media, Culture
Crime Media Cult
ISSN (printed): 1741-6590. ISSN (electronic): 1741-6604.
Crime, Media, Culture is set to be the primary vehicle for exchange between scholars who are working at the intersections of criminological and cultural inquiry. It will promote a broad cross-disciplinary understanding of the relationship between crime, criminal justice, media and culture. The crime/media culture nexus speaks to many whose work is embedded in theories of social relations and social change, and therefore maintains high relevance across the full spectrum of social sciences and humanities. Crime, Media, Culture will provide a unique and much needed forum for serious debate underpinned by empirically novel and/or theoretically rigorous research.


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Full Registration Adults 18 and Over: $250
Since this is a training orchestra, there is a fee for rehearsals, dress rehearsals and performances of $250. Participants have the option to attend none, some or all of the final concerts.
Kids Group Ages 6-17 Registration: $180
For kids ages 6-17. The kids group will meet on the same days as the adult group for the first 45 minutes of each rehearsal plus two other rehearsals to be determined. Kids Group participants have the option to attend none, some or all of the final concerts.
New Category! "Lessons Only" No Group Rehearsals: $180
For any students of Certified Ensemble Teachers, all ages. There are no group rehearsals except for the two dress rehearsals and final concert participation. Students work with their teacher on music during lessons. Certified Ensemble Teachers Include: Liz Faiella, Steve Roy, Paul Smith, Taylor Blankenship, Heather Mike, Jane Orzechowski, Shana Aisenberg, Melissa Bragdon Caron and Ellen Carlson
Above fees include recordings and sheet music to practice with.
Scholarships and partial scholarships are available. We request a minimum payment of $50 per student. There are overall family discounts available too. Please contact Ellen for more info. at 603-661-1981 or send her an email. If you would like to make a donation to the scholarship fund, you can do so at the link on the Home page. Any and all donations are greatly appreciated!
2020 concerts have been cancelled. Watch for a "virtual show" in September.
New Hampshire Fiddle Ensemble, LLC Copyright 2020


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Creepy Halloween Pillow
Planning for a creepy Halloween party? Or you just feel a little bit weird and you wanted to give your house a spooky make-over! Well, whatever eerie things running through your mind, this uncanny Halloween pillow is definitely all that you need for that scaring technique 101. It comes in different sizes and that back-to-back frightful screaming face design.
Check it out: Etsy.com/wfrancisdesign


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J.J. Mccullough
From a Canadian perspective, the most striking thing about the supposed anti-democratic political reforms approved by Turkish voters last week was their familiarity.
The majority of powers the Turkish president gained – the freedom to appoint cabinet ministers and senior judges without parliamentary approval, the power to unilaterally dismiss parliament, the power to decree certain sorts of laws without parliament at all – are all powers the Canadian prime minister already has. Yet no one would claim Canada is less than a full democracy, and it's worth pondering why.
We can certainly question the Turkish government's intentions. President Recep Tayyip Erdogan has clear authoritarian tendencies and exists in a country with an authoritarian political culture. Turkey experienced multiple military coups throughout the past century – including an attempted one in July – and governments have routinely used state power and violence to trample the liberties of their critics.
Yet the Erdogan administration's official justification for the referendum (and presumably the motive of the 51 percent of Turks who voted for it), that is, the need to make government more efficient and effective, is a common justification for the more authoritarian aspects of the Canadian political system as well. Any Canadian loudly worrying about the replacement of Turkish democracy "with what amounts to a dictatorship" – in the words of the Globe and Mail editorial board – should take a moment to consider how Canada's political system would look if a third world tinpot proposed adopting it.
Canadian prime ministers come to power by winning control of the lower house of Parliament, an achievement which almost never requires winning a majority of the popular vote. PMs then appoint members of the upper house directly, which means it can be taken for granted that any legislation they propose will quickly sail into law. The ruling party is run as a rigid hierarchy, and the notion of a "free vote" in Parliament, where MPs can vote their conscience rather than the prime minister's, are rare enough to require a distinctive term. Virtually every figure of importance in Ottawa, from cabinet members to judges to senior bureaucrats to committee chairs to military leaders to the head of the state broadcaster, are appointed by the prime minister with no oversight or veto by anyone.
Analysis of Canadian prime ministers revolves mostly around their competence in implementing an agenda, given there's little question the office has all the power it needs. Right-wing critics of former Tory prime minister Stephen Harper, for instance, almost exclusively criticize the last four years of his administration – in which he held a solid majority of seats in Parliament – for its lack of ambition, and such criticisms stick because unlike, say, an American president, there are no formal political checks to blame. Harper faced no legislative chamber controlled by the opposition party, nor a rebellious Freedom Caucus within his own. The Canadian Supreme Court did repeatedly overturn a number of his legislative initiatives, but by the end of his term Harper had appointed seven of the court's nine justices, so whose fault was that?
The realities of the Canadian system are controversial, but not universally so. Many Canadians occupying elite positions in the media or politics actually spend a fair amount of time defending the status quo or arguing for things to get even more regressive. Prime Minister Justin Trudeau, for instance, has been a long-time defender of an appointed Senate, and Michael Chong, a would-be leader of the Conservatives, successfully pushed for a new law allowing elected prime ministers to be deposed and replaced mid-term by their parliamentary caucus, similar to what is done in Australia.
The justification is always efficiency. The United States, with its feuds between the White House and Congress, and contentious Supreme Court nomination hearings, is often explicitly cited as an example to avoid, a system in which "nothing gets done" because there are too many competing poles of democratic authority. The central premise of the Canadian system, in which a prime minister is elected once every four years and given more or less free rein to do as he wishes, is considered basically correct, with talk of reform occurring mostly at the margins (i.e., who should prepare the list of Senate nominees for the prime minister to consider?).
It would be nice if Canadians – and progressive Canada-admirers abroad – could ditch the disingenuousness when judging the constitutional shenanigans of leaders such as Erdogan, Russian President Vladimir Putin or Venezuelan President Nicolás Maduro. What's feared is not a political system, but the particular ideologue running it. What's feared is chauvinistic strongmen, not strongmen per se.
To a certain faction, after all, subjecting a leader such as Trudeau to the restraints of the U.S. Constitution – making his dreams of legalized marijuana, a perfectly gender-balanced cabinet, or a generous intake of Syrian refugees that much harder to implement – would be seen as no less a global tragedy than anything going on in Turkey.
McCullough, a political commentator and cartoonist from Vancouver, is a columnist at Loonie Politics. © 2017, The Washington Post
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Vietnam Day/Long Tan Memorial
From August 16, 2020 09:30 until August 16, 2020 14:30
Posted by Alex Smithers
Categories: RAEME Association WA
Hits: 7
Attention ALL Vietnam Veterans
Ladies and Gentleman, (irrespective of the weather) our RAEME Banner will be held high this Sunday at the LONG TAN ceremony being held at the Vietnam Memorial in Kings Park.
Vietnam Day/Long Tan Memorial
Where: Vietnam Memorial, King's Park
When: Sunday 16 August 2020
Timings: Meet at 9;30/10;00am, Form Up at 10;30am, March Off at 10;45am, Service at 11;00am.
( We meet adjacent to the memorial, our Banner will be prominently and proudly displayed by the roadway).
Those wishing to attend lunch after the service concludes,( partners welcome),
at the Inglewood Hotel, 803 Beaufort Street, Inglewood.
Inquiries/RSVP to:
Phil Pitchers
0403 342 105


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In this new age of older sex and even sex with new and different women (post-divorce) we've got a whole new language of love to figure out.
Dear Daughter
While I know you won't understand this now, at some point in the future, I want you to know I'm sorry for all of the misses and all the ways I have not been able to be there for you.
Drop Your Texting Obsession and Pick Up Your Sex LIfe
There is ZERO physical touch in texting, unless you consider rubbing glass a form of touch.


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Roy and Jon cook a Goop-friendly pepper pot with Pepper Potts herself, Gwyneth Paltrow. Then comic Bill Burr swings by to make some sandwiches.
Roy and Jon assemble some of the Avengers in Atlanta, including Robert Downey Jr. and Tom Holland, along with the Russo brothers and Kevin Feige.
Roy and Jon revisit the best dishes from "Chef," including Scarlett's pasta. Andrew Rea of "Binging with Babish" joins to make chocolate lava cake.
Late food writer Jonathan Gold's reviews helped so many chefs. Jon and Roy honor his memory with KCRW's Evan Kleiman and Jitlada's Jazz Singsanong.
Roy and Jon make pizza and chat creativity with Robert Rodriguez. Then, Jon goes to work in the LocoL truck and explores LA's food truck history.
Jon and Roy head into the kitchen to make dueling fried rice recipes, before welcoming in David Chang to cook and discuss some classic Korean dishes.
Roy and Jon travel to Austin to grab tacos with Aaron Franklin and then learn the intricacies behind preparing his famous Franklin Barbecue brisket.
Aaron Franklin brings Jon and Roy to Hot Luck, Austin's "anti-food-fest food festival," where the duo serves up Roy's iconic short ribs.


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Why Washington football fans should root for Utah and … Oregon
Wed., Nov. 20, 2019
SEATTLE – It would be wise for Washington football fans to root for Oregon and Utah.
And, no, the above sentence is not an oxymoron, a prank or a practical joke.
It is, naturally, an uncomfortable proposition – especially for the Washington Huskies' sixth-year head coach.
"I think it's what you guys have been talking about, or everybody has been talking about: The Pac-12 is this, that, 'down,' " Chris Petersen said during his weekly news conference on Monday. "So if one of our teams gets in (the College Football Playoff), I think that helps us – the league. I don't necessarily like it, because that's our direct competitor that's there. That's why I've always said, 'I don't care about those guys. I care about us. Can we get there? What do we need to do?'
"But then when you step back, OK, if you're not going to (make it to the playoff this season), does it help if one of those teams is in the discussion for it?"
In short: yes. Unequivocally, yes.
And that's because, since UW cracked the final four in the 2016-17 season, the Pac-12 has been shut out. The conference's national perception has plummeted, and regional recruits – the lifeblood of Pac-12 programs – have fled east as a result.
"I don't feel like it's a Washington problem or a USC problem or even an Oregon problem. This is strictly a Pac-12 problem," said 247Sports recruiting analyst Blair Angulo. "When you don't have the firepower to really combat that (perception) on the field, when you don't have the possibilities to play in the College Football Playoff, to be in that national picture, it does limit the ability for coaches to recruit."
At least, some coaches. For prominent staffs from other regions, the Pac-12's struggles have presented an invaluable opportunity. Consider that, from 2010 to 2018, 60.6% of the top 20 annual recruits from California (as ranked by the 247Sports composite) eventually signed with a home-state school. And if they did leave, they didn't go far; 77.8% of those recruits opted to remain in the Pac-12.
But as the conference's reputation has suffered, recruits have relocated. In 2019, just four (20%) of the top 20 prospects in California signed with in-state schools. Thirteen (65%) signed in the Pac-12 and seven (35%) landed elsewhere. And thus far in 2020, the decline has been even more dramatic. Thirteen of the top 20 prospects in the state of California are currently committed, and eight (61.5%) are set to leave the Pac-12. Only one is committed to a California program – and it's Stanford, not USC. The top five committed recruits are headed to – in order – Clemson, Alabama, Georgia, LSU and Ohio State.
In the Pac-12's current recruiting climate, California is the most pressing problem.
But it isn't the only problem.
"It's been flipped upside down completely," Angulo said. "You look at even Hawaii, where it was a state that Washington has had a lot of success in the last couple years. Well, the top three guys in the state right now are headed to the Midwest. The top guy (linebacker Jordan Botelho) is going to Notre Dame. The No. 2 guy (linebacker Nick Herbig) is going to Wisconsin. The No. 3 guy (wide receiver Roman Wilson) is going to Michigan.
"You look at Nevada. The top guy (Darnell Washington) wants to play his football in the South. He's a five-star tight end. You look at Utah, and one of the top defensive lineman (Van Fillinger) is going to go play at Texas. Arizona, I think six of the top 10 are going to leave the area and they want to play for Ohio State and Texas and LSU and all these schools."
Of course, that isn't to say that the Pac-12 can't recruit. Washington's 2020 class is currently ranked 14th nationally, and Oregon (15) and Stanford (22) are also situated in the top 25. But the top 13 features six programs from the SEC, three from the Big Ten, two from the Big 12, one from the ACC and one independent. There's no Pac-12 presence.
And those West Coast defections are a particularly damning reason why.
"That's what everybody from the outside keeps telling all these kids morning, noon and night. 'You need to come to this conference,' and all that," Petersen said. "That's just recruiting. There's more to it than just that. Can you come here and play big-time football? Can you play on a national stage? Are you going to get a world-class education? Are you going to get treated a certain way? Are you going to play in your backyard, for the most part?
"There's so much more to it than … it's recruiting mumbo-jumbo, is all it is. You know it and I know it. Unfortunately the kids go through it for the first time, so it's like, 'Yeah, I can't stay here! I've got to get out of here!' No, you don't."
Which is why Washington fans might want 9-1 Oregon or 9-1 Utah – which are ranked Nos. 6 and 7 in the most recent CFP rankings, respectively – to leapfrog Alabama and Georgia … and maybe help legitimize the Pac-12 along the way.
"Obviously, if you're a Pac-12 coach right now, you do kind of root for Oregon or Utah to make a splash and reignite the interest in the conference and the ability for the conference to have some national respect," Angulo said. "Even though, if you're a rival of Oregon or Utah, you'd rather them not win, (if they lose) then you're back at square one and the conference isn't getting as much attention and some recruits won't really look at it, because they (think they) won't play in those big-time games."
At 6-4, Washington isn't sniffing any conference championships this season. Oregon closes its regular season with Arizona State and Oregon State. Utah finishes with Arizona and Colorado. If both win out, as they should, the Pac-12 championship game could help solidify a College Football Playoff appearance for the winner.
So, with that said – gulp – go Ducks? Go Utes?
For Washington football fans, the enemy of their enemy … might be an even bigger enemy.
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If you're like most home buyers, then you will require a mortgage to fund buying a brand new residence. Rent To Own Homes Evansville In
To qualify, you should have a fantastic credit score and cash for a deposit.
Without these, the standard path to home ownership may not be an alternative.
There is an option, however: a lease agreement, in which you lease a house for a specific amount of time, using the choice to purchase it before the lease expires.
Rent-to-own agreements include 2 components: a standard lease agreement plus an option to buy.
Following is a rundown of what to look for and how the rent-to-own process functions.
It's more complicated than renting and you'll need to take extra precautions to secure your interests.
Doing so can help you discover if the price is a good option if you're trying to get a house.
You Want to Pay Alternative Money
In an rent-to-own agreement, you (as the buyer) pay the seller a one-time, usually non refundable, upfront fee called the alternative fee, alternative money or option consideration.
This commission is what gives you the choice to get the home by some date later on.
The option fee can be negotiable, because there's no standard rate.
Still, the fee typically ranges between 2.5% and 7 percent of their purchase price.
In some contracts or a number of the alternative money can be put on the ultimate purchase price at closing.
Read the Contract Carefully: Lease Option vs. Lease Purchase
It is important to remember that there are different types of rent-to-own contracts, with a few being more user friendly and more flexible than many others.
Lease-option contracts supply you with the right — although not the duty — to get the home when the lease expires.
If you opt not to get the property at the end of the rental, the choice only expires, and you can walk away with no obligation to continue paying rent or to buy.
With these you could be legally obligated to purchase the home at the conclusion of the rent — if you can afford to or not.
To possess the choice to buy with no responsibility, it ought to be a lease-option contract.
Because legalese may be difficult to decipher, it's almost always a great idea to examine the contract with an experienced real estate lawyer before signing anything, and that means you understand your rights and what you are getting into.
Specify the Purchase Price
Rent-to-own agreements must specify if and how the property's purchase price is set.
In some cases you and the seller can agree on a cost once the contract has been signed — frequently at a higher price than the current market value.
In other situations the price depends upon when the lease expires, depending on the home's then-current market worth.
Many buyers prefer to"lock " the purchase price, particularly in markets where housing prices are trending upward.
Know What Your Rent Buys
You will pay rent through the lease term.
The question is whether a portion of each payment is applied to the eventual purchase price.
As an example, if you pay $1,200 in rent each month for three years, and 25 percent of this is credited toward the purchase, you are going to get a $10,800 lease credit ($1,200 x 0.25 = $300; $300 x 36 months = $10,800).
Generally, the lease is a little greater compared to the rate for your region to make up for the rent credit you receive.
But make sure to know what you're getting for paying that premium.
Maintenance: It May Not Be Like Renting
Based on the terms of the contract, you may be accountable for keeping up the property and paying for repairs.
Typically, this will be the landlord's obligation thus read the fine print of your contract carefully.
As sellers are finally accountable for any homeowner association fees, taxes and insurance (it is still their home ( after all), they typically choose to cover these costs.
In any event you'll need a tenant's insurance coverage to cover losses to personal property and supply liability coverage if someone is injured while in the home or in the event you accidentally injure someone.
Make certain that maintenance and repair requirements are clearly stated in the arrangement (ask your attorney to explain your duties ).
Maintaining the home — e.g., mowing the lawn, raking the leaves and cleaning out the gutters — is quite different in replacing a damaged roof or bringing the electrical around code.
Whether you're going to be liable for everything or just mowing the lawn, have the house inspected, order an appraisal and be sure the house taxes are up to date prior to signing anything.
Buying the Home
What happens when the contract finishes depends upon which kind of agreement you have signed.
If you have a lease-option contract and wish to get the property, you will likely have to find a mortgage (or alternative financing) in order to pay the seller in full.
Conversely, in the event you opt not to purchase the house — or are unable to secure financing by the end of the lease duration — the alternative expires and you go out of the home, just as though you were renting any other property.
You will pro forfeit any money paid to there, for example, alternative money and any lease credit earned, but you will not be under some obligation to keep on renting or to purchase your house.
When you have a lease-purchase contract, you may be legally obligated to obtain the property once the lease expires.
This can be problematic for many reasons, particularly if you aren't able to procure a mortgage.
Lease-option contracts are nearly always preferable to lease-purchase contracts since they offer more flexibility and you don't risk getting sued if you're unwilling or not able to buy the home when the lease expires.
Who's|Who is|Who Is} an Ideal Candidate for Rent-to-Own
A rent-to-own arrangement may be an outstanding choice if you're an aspiring homeowner however are not quite ready, financially speaking.
These arrangements give you the chance to get your finances in order, increase your credit score and save money for a down payment while"locking in" the home you'd love to own.
In case the option money and/or a percentage of the lease goes toward the cost — which they frequently do you get to create some equity.
While rent-to-own arrangements have traditionally been targeted toward people who can not qualify for repaying loans, there's a second group of applicants that have been largely overlooked by the rent-to-own industry: people who can not get mortgages in pricey, nonconforming loan economies.
"In high-income urban property markets, where jumbo [nonconforming] loans would be the norm, there's a big requirement for a better solution for fiscally viable, credit-worthy men and women who can't get or do not want a mortgage nevertheless," says Marjorie Scholtz, founder and CEO of Verbhouse, a San Francisco–based start-up that is redefining the rent-to-own market.
"As housing prices rise and a growing number of cities are priced from conforming loan limits and pushed to jumbo loans, the issue shifts from customers to the home finance business," says Scholtz.
With strict automatic underwriting guidelines and 20 percent to 40 percent down-payment requirements, even financially capable individuals may have trouble obtaining financing in these types of markets.
"anything unusual — in earnings, for example — tosses good income earners into a'outlier' standing because underwriters can't fit them neatly into a box," says Scholtz.
Including people who have nontraditional incomes, are self-employed or contract employees, or possess unestablished U.S. credit (e.g., foreign nationals) — and also those who simply lack the substantial 20% to 40 percent down payment banks need for nonconforming loans.
High-cost markets aren't the obvious location you'll locate rent-to-own possessions, which is exactly what makes Verbhouse unusual.
But all potential rent-to-own house buyers could gain from attempting to write its consumer-centric attributes into rent-to-own contracts:
The option fee and a portion of each lease payment purchase down the purchase price dollar-for-dollar, the rent and price are locked in for as much as five decades, and participants may build equity and capture market admiration, even if they opt not to buy.
According to Scholtz, participants may"cash out" in the fair market value: Verbhouse sells the house and the participant keeps the industry appreciation plus any equity they have accumulated through lease"buy-down" payments.
Do Your Homework
Even though you'll lease prior to purchasing, it's a good idea to work out the same due diligence as if you were buying the home outright.
If You Are Thinking about a rent-to-own property, be sure to:
- Choose the Perfect terms. |} Input a lease-option agreement as opposed to a lease-purchase arrangement.
- Hire an experienced real estate attorney to explain the contract and also help you know your rights and duties. You may want to negotiate some points prior to signing or avoid the bargain if it is not positive enough for you.
- Research the contract. Make sure you know:
- the obligations (what's because )
- the option fee and rent payments — and just how much each applies towards the cost
- how the purchase price depends upon
- how to exercise the choice to buy (for example, the vendor might ask you to provide advance notice in writing of your intention to buy)
- whether pets are allowed
- who is responsible for maintenance, homeowner association dues, land taxes and such.
- Research the house. Order an independent appraisal, obtain a home review, make sure the property taxes are up to date and ensure there are no liens on the house.
- Research the vendor. Check the vendor's credit report to search for indicators of financial problem and get a title report to realize how long the vendor has owned it — the longer they have owned it and the more equity, the greater. Under which conditions can you lose your option to buy the home? Under some contracts, then you get rid of this right if you are late on just one rent payment or if you are not able to notify the seller in writing of your intention to purchase.
The Most Important Thing
A rent-to-own arrangement allows would-be home buyers to move to a house right away, with different years to work on improving their credit scores and/or saving for a deposit prior to trying to get a mortgage.
Of course, certain conditions and conditions must be met, in agreement with the rent-to-own agreement.
Even if a real estate agent assists with the procedure, it's crucial to speak with an experienced real estate attorney who will clarify the contract as well as your rights before you sign anything.
Just like anything, always check with the proper professionals prior to entering into any kind of agreement.
Thanks for taking the time to find out more about Rent To Own Homes Evansville In, hopefully you found what you were looking for.


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The UCSD Labor Commission, alongside several student-run organizations, rallied down Library Walk Tuesday morning to bring attention to UC workers' rights and deliver a solidarity letter to the Chancellor's Complex.
Students from campus organizations such as the Groundworks Collective, Black Student Union, and Asian & Pacific Islander Student Alliance gathered in front of the Silent Tree sculpture to protest the UC administration's mistreatment of workers and financial ties to Immigration and Customs Enforcement (ICE) agencies.
The demonstration was organized by commission members, including Prajay Lollabattu, who said he had planned it over the past week. During the rally, about two dozen students chanted and marched down Library Walk before attempting to enter the Chancellor's Complex to present their demands to Chancellor Pradeep Khosla.
According to Lolabattu, the students were "shut out of the chancellor's office." A student within the complex tried to let protestors in but also was shut out. "We delivered the demands to a staff member of one of the vice chancellors," said Lolabattu. "They promised to deliver the demands to the chancellor."
First-year student Ivy Martinez was waiting inside the Chancellor's Complex and was planning on joining the protesters when they came in to deliver the demands. She recalled her experience inside the building: "I was in there for a while and the secretary was getting suspicious. When we could start to hear the protest coming towards us, she came with a person of higher authority to lock the doors." After Ivy agreed to leave, she said the secretary "told me that I had to exit [through] the side door. She then walked me around to said door and made sure to close it immediately behind me."
The protest centered on a letter detailing "UC Student Demands in Solidarity with UC Workers" from each UC campus and urging the requests to be implemented within the UC system. The letter demands widespread reform in the UC system, specifically regarding wage inequality, underpaid workers, the lack of labor diversity, and unfavorable investment of tuition funds. Much like the demands of the American Federation of State, County, and Municipal Employee (AFSCME) Local 3299, the largest labor union in the UC system, the student demands called for an end to labor outsourcing, understaffed dining halls and on-campus police deployment. Furthermore, the letter also calls upon the UC system to divest funds from corporations which are directly or indirectly contributing to violence at the U.S.-Mexico Border and human rights violations in Palestine.
Azriel Almera, a member of the commission, told The Triton, "[The rally] is to bring attention to how our tuition money is going towards funding ICE and violence in Palestine…I personally don't want to contribute to that."
The rally follows a series of on-campus worker strikes led by AFSCME Local 3299. After an October stalemate in negotiations led the UC Office of the President (UCOP) to cancel a bargaining meeting with AFSCME Local 3299 representatives at the UC Davis Medical Center, they have not been invited back for any negotiations.
As the protestors prepared to leave the Chancellor's Complex, they chanted, "We will be back," reminding UCSD administration that this would not be their last demonstration.
Regarding the UC Labor Commission's plans for the future, Lolabattu said that "the most tangible next step is that we will be bringing students to the Regents meeting in January [16–17] at UCSF."
The details of future strike plans are unknown, since they are decided by AFSCME Local 3299 members, most of whom are current employees under the UC system.
As of today, the university has not responded to requests for comment.
UPDATE: The police arrived at the site of the protest when the protestors came to the Chancellor's Complex. It is unknown who notified them.
Correction: This article was updated on December 6, 2018 at 2:41 p.m. A previous version claimed that the protest was organized by commission member Prajay Lollabattu and was corrected to say that it was organized by multiple commission members. We apologize for the error.
Rishabh Singhal is a Staff Writer for The Triton and Ella Chen is the News Editor of The Triton.


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The holidays are not only an occasion to dress up but also a chance to have fun with your makeup! You know that gold eye shadow you got and never used because it's, well, gold? Now is the time to put it to use! Same for any glitter-based products or wild colors you thought would go to waste. And if you don't have the art of makeup mastered just yet, follow any of these 25 holiday party makeup tutorials. You'll be an expert in no time!
25 Holiday Party Makeup Tutorials
1. How to do a smoky eye : A step-by-step guide, from what color to choose to properly applying it. More details on The Bride Link.
2. Party girl makeup : Use bold colors on your eyelids, if you really want your party look to stand out. Tutorial from Coloured Beautiful.
3. Golden girl : Nothing says glamour like a bit of gold: put it on your dress, your nails… and your eyes. Follow the tips on Keiko Lynn.
4. Dramatic wearable look : Brown is more wearable on a smoky eye, but it doesn't mean the effect is less dramatic. Full tutorial on Kristiana Zaula.
5. Jeweled nights : Find the proper smoky eye color for your eyes and follow the tutorial over at Klaire de Lys.
6. Vintage cat eye : This subtle look is great for everyday wear, but also for special occasions. See how to get it on Time for Tea.
7. False eyelashes : Learn how to apply false eyelashes, which are the key to any good party look. Tutorial on The Beauty Department.
8. From day to night : Turn your everyday makeup into party wear with this tutorial from Bridal Style.
9. Sixties makeup : Dark eyeliner and light lips make the perfect pairing for a casual party. Get the look on Florence Finds.
10. Golden eyes : Golden is festive, so use it to get your party-perfect look. Tutorial on Pocketful of Dreams.
11. Beyonce makeup : Get the signature look of the singer, with a red lip and porcelain skin. Tutorial on Deea make-up.
12. Jessica Alba Chignon + Cat Eye : Make a sophisticated updo and cat eye with this tutorial from Hello Glow.
13. Understated cat eye : A subtle cat eye and a red lip will make you party ready in no time. Tutorial from Squirrel and Walrus.
14. Purple reign : Don't be afraid to use purple on your eyes – learn how to do it on Camille Styles.
15. Date makeup : Pink eye shadow and a black eyeliner make a lovely pair for date night. See the tutorial on The Wonder Forest.
16. Purple smoky eyes : If you don't want to use the classic black and gray palette on your smoky eye, how about purple? The how to on Papery & Cakery.
17. Sunset eyes : Walk into the sunset with this pretty makeup in pink and orange from Oh So Pretty.
18. Easy party makeup : Extra points if it's easy to look good with little effort! See the tutorial on The Makeup Bubble.
19. Holiday makeup tutorial : A classic sculpted eye and a rich colored lip says festive and elegant. See the how to on Fashion Magazine.
20. NYE makeup : Get a natural, yet elegant look, with this tutorial from Delightfully Tacky.
21. White sparkle holiday makeup : Pretend you're the Snow Queen and play with light shades on your eyes, as seen on Makeup by Tiffany.
22. Easy smoky eye : This easy tutorial only features one color, and lots of blending. Find out how on The Wonder Forest.
23. Baroque makeup : Only if you dare: gold and black baroque inspired makeup, by Dior specialists. Tutorial on Stylist.
24. Gold navy makeup : Play with colors as much as you want – it's a party after all! Tutorial from Glam Express.
25. Smoky eye : This classic is never outdated, and you can master it with this tutorial from Elle.1


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Tuesday, May 18, 2010
Hello from the Farm...
Don't know what's gotten into me these days but I'm starting to think I'm more of a farm girl than a city slicker.
4 comments:
I love these photos! I'm not the city slicker I thought I once was either. Your home is beautiful!ReplyDelete
Thank you Lissa.ReplyDelete
You're so encouraging.
Wait till you see the new coop, that's my next post!!!
love the photos... and i love the chicks, garden and the flowers! xxReplyDelete
Thank you Pam. You're so encouraging.ReplyDelete
I've been thinking of our visit yesterday, it made my day! You're such a beauty, inside and out and I'm lucky to have met you.
Can't wait to get my cushions done!
I'm keeping you and your dear friends family in my prayers.
See you soon.
PS. Checked out John's photography today. It's AMAZING, so beautiful!
I'd love to move in that direction one day.
Subscribe to: Post Comments (Atom)


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It is no longer news that president Buhari has been re-elected for the second term after overcoming 71 other aspirants including PDP's Atiku Abubakar in the Election that took place on 23rd February.
In his acceptance and thanksgiving speech the president was full of thanks to all Nigerians.
Read below:


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Solvency II is likely to lead to extra business for reinsurers. However, every expert has their own view on the effect of the new regime. Will it mean a greater demand for capital or expertise, or both?
A glance at large reinsurers' strategies indicates that the industry is bullish about new business arising from the introduction of the European Commission's Solvency II capital regime in January 2013.
In a recent interview with Global Reinsurance, Munich Re's head of reinsurance Torsten Jeworrek said he expected Solvency II to prompt insurers to buy more reinsurance, particularly from higher-rated companies.
The prospect of new business is also one of the reasons for a recent flurry of entrants into the Swiss market.The argument goes something like this: the expectation is that insurance companies will have to hold more capital against business they write under Solvency II. This leaves them with a choice of writing less business, merging with other firms to obtain a diversification credit, or boosting capital levels. As an easily obtainable, efficient and familiar source of capital, reinsurance could top many insurers' lists.
The good news
Some think that reinsurers may be right to expect more business. "Reinsurance is an efficient form of risk mitigation," Fitch Ratings managing director (insurance) Chris Waterman says. "It is possible under Solvency II that demand could increase because it is simpler than raising capital, going through complex M&A transactions or even de-risking your balance sheet."
Martin Davies, responsible for capital-related reinsurance transactions within the brokerage division of consulting firm Towers Watson, agrees: "I think there are a lot of cases where reinsurance will be bought to demonstrate to regulators that the business is being run to certain tolerances," he says.
Quota-share reinsurance in particular could increase in popularity given its ability to transfer risks completely to a reinsurer.
"We have already seen a pick-up in buying of that type of reinsurance over the last couple of years," says Davies, adding that the main driver for this activity so far has been the financial crisis and resulting pressure on insurers from rating agencies and regulators to ensure they have strong balance sheets.
"It will probably be given additional impetus under the Solvency II regime which does give credit for that sort of purchase of reinsurance," says Davies.
"From the point of view of the insurance company, they can cede all of the risk but retain often a good ceding commission for producing the business, so effectively they have got risk-free income, which is very positive from a solvency perspective."
Short-term fixes
But perhaps reinsurers should not start celebrating a sure-fire increase in business just yet. Some observers say that while Solvency II will affect insurers' reinsurance buying practices, this will not necessarily translate into more work.
"There is a big hope that Solvency II will boost reinsurance demand, but we don't think it will," PricewaterhouseCoopers partner Achim Bauer says.
Bauer argues that Solvency II will affect the quality, rather than the quantity, of reinsurance bought. "We will see insurance structures migrating more to the sophisticated, structured end, which is more excess of loss, whole account solutions. These are intrinsically lower volume but higher margin," he says.
"The business will be of better quality in terms of profitability, but it will definitely be lower volume."
Equally, while the directive may result in some firms needing increased reinsurance, the greater clarity it will bring to capital structures and the effects of different reinsurance could highlight to others that they need less.
"Companies might drop reinsurance purchases if they see it is not necessarily needed for the regulatory purpose," says Davies at Towers Watson.
Others argue that, an initial increase in demand for quota-share reinsurance may die down as Solvency II beds in. Under the directive, insurers can either use the directive's standard model for determining capital adequacy, or their own internal model, subject to the model's approval by regulators. As it is not company-specific, the standard model is expected to impose more stringent capital requirements than an internal model would.
While many insurers with internal models, typically larger firms, are seeking approval for them to be used, not all will be approved on time, and these companies may seek to temporarily fund the additional capital requirement of the standard model with proportional reinsurance or quota shares.
"Given the poor level of preparation of many small to medium-sized insurers at this stage, they will be looking for quick fixes in the run-up to Solvency II, of which proportional reinsurance is one," Standard & Poor's managing director of insurance ratings Rob Jones says.
"Further down the path, when they become more bedded into the process, there may be a reversion to other forms of reinsurance and other forms of risk mitigation. As more insurers seek and receive internal model approval, then the non-proportional forms of reinsurance become more capital efficient."
He adds: "I think the short-term benefits of Solvency II to reinsurers' business volumes are fairly clear but the longer term ones less so."
The increased demand for quota-share reinsurance in the early stages is by no means a foregone conclusion, and can depend on market conditions in both the reinsurance and capital markets. The attractiveness of the product to buyers depends greatly on whether it is more cost-effective than other options.
"The usefulness of a quota share depends on spreads for surplus debentures," Hannover Re board member Jürgen Gräber says. "If they are wide, the quota shares will fly, but if they are narrow they won't because insurers would rather go to banks and secure financing another way."
Quota shares' attractiveness to the seller can also vary according to market conditions. "In a hard market reinsurers would probably rather write non-proportional business because it would carry larger margins," Gräber says.
Greater clarity
One expected consequence of Solvency II is a flight to quality. Cedants will be given greater credit for placing business with higher-rated reinsurers, which in theory should mean they will get more business. However, reinsurance buyers also get greater credit for diversifying their panel of reinsurers, which could counteract this benefit. "If you were a very well-rated reinsurer and used to getting 100% of somebody's reinsurance, [the diversification credit] might actually work against you, simply because of the concentration risk," Davies says.
While there are a lot of variables that could challenge reinsurers' assumptions about winning more business from Solvency II, many are insistent that the introduction of the new capital regime will be a net positive for the reinsurance industry. Any shift to more structured types of reinsurance under the new regime need not be at the expense of more traditional coverage purchases.
Gräber argues that traditional and structured products are typically bought by different parts of a primary company. "We would talk to the chief financial officer and chief risk officer at primary level, not necessarily the reinsurance manager [for structured reinsurance]," he says.
The greater clarity Solvency II provides on the effects of reinsurance could lead to more informed discussions between cedants and reinsurers about capital and risk transfer. "There will be more transparency about the capital companies' need and their benefit from buying reinsurance," Gräber says. "Exceedance probability curves will be calculated based on a particular reinsurance structure, so customers can tell immediately how much capital relief they would get under Solvency II with a particular type of reinsurance."
The introduction of Solvency II could also remove a longstanding frustration of highly rated reinsurers: that buyers are unwilling to pay them higher premiums than lower-rated firms to compensate them for the greater security and the expense of maintaining it. Solvency II would make this cost more explicit.
"Under Solvency II we would calculate our reinsurance pricing for expected losses and brokerage, and add on cost of capital and administration," Gräber says. "This would be very transparent and could enhance cedants' willingness to pay us our cost of capital."
Need for expertise
The true effects of Solvency II are still unclear. The industry will be engaged in the fifth quantitative impact study, known as QIS5, until next month. This will inform the calibrations of the models that will determine insurers' and reinsurers' capital requirements.
The industry and the Committee of European Insurance and Occupational Pensions Supervisors (Ceiops), the entity charged with ensuring consistent insurance regulation across EU member states, are pulling in different directions, with insurers wanting less stringent requirements and Ceiops aiming for tougher ones.
While the uncertainty makes it difficult to determine whether there will be an additional demand for reinsurers' money, it may spur a need for their expertise. Reinsurers' experience in capital management could be valuable to insurers trying to make sense of the new regime.
"For property/casualty business, some insurers will use the expertise of reinsurers in respect of risk management and in restructuring their reinsurance programmes due to potential new capital requirements," says a Swiss Re spokesman.
Gräber adds: "There have been years where reinsurers' advisory capacities were not in demand. Now, with Solvency II on the horizon, customers are willing to listen to us again." GR


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first egg 1/2/12
Yesterday I noticed some commotion near the duck feeder. One of the ladies was behind it, snarfling in the hay. She moved away when she saw me looking, and low and behold………she had laid an egg!!!!!!!!!
Our first egg of the new year is exhilarating. Now I am bundled up, coffeed and ready to do chores, and of course see if there are any eggs today. Just finished laying out the new Expense/Income sheets for 2012, but my stupid Excel won't print the lines in the spreadsheet.
Andrew started an off-farm job today, one really close by that pays pretty well for this area. A big sigh of relief. I'll wait for him to come home to fix the Spreadsheet!
fake winter & grain debate
I know global warming exists, because it is January, and yesterday it was nearly 50 degrees out. What is going on??? The nice snow load we had for insulation has melted away. I am worried about the big, hard freeze that will most definitely be on it's way. Right? It will be an actual winter at some point?
Day length is increasing, and joyously we have light into the late afternoon now. The dark at 4pm thing is not agreeable with me! Each day we are getting one duck egg, although yesterday there was none. One day we'll go out for chores and find a whole bunch of eggs….I can't wait for that day! The younger ducklings are filling out slowly, almost full-sized now at 3 months. We are purposely limiting their feed amounts to prevent fat from building up around their internal organs, which could impair their egg laying in the future. Metzer Farms has got some amazing information and tips on their website about duck raising. Check it out!
We are now working with a very local feed mill to have fresh duck feed made for our ladies. Working within your community for supplies is very important as a farm. Since we make our income locally, it makes sense that we spend that money locally, as much as possible. If we preach "Buy Local," we better be practicing what we preach, by gawd.
Speaking of money, we're not spending much these days. When you don't go anywhere, you generally don't spend money. We have the basics for our own needs, but the farm still demands spending….There is a huge seed order about to be placed, and feed to purchase, but that's about it right now. Soon we'll be purchasing building supplies for our new duck barn, buying ducklings, electric net fencing for paddocks, and buying even more feed.
Buying grain/feed is one thing we'd love to change. There are two options- grow our own (can't without alot of specialized machinery), or reduce the grain-eaters around here; poultry and pigs. Our ducks, by far, eat the most grain on the farm- due to the number of them we have. Each duck eats approximately 1/3rd of a pound of grain a day, as well as foraging. Turkeys and broiler chickens both eat alot of grain, as well as forage, but I can't lie- they need a lot of grain to grow muscles. All three of these poultry types are essential on our farm, so they won't be going anywhere.
What we are going to eliminate this year is pigs. Even though our pigs ate organic grain that was screened as not human-food grade, pigs eat ALOT of grain. Right now, in the last two days before the pigs are harvested, they will go through nearly 150 lbs of grain. In 2 days. I won't go into how wasteful with their feed these particular pigs have been, because it gets me rather riled up. Previously we did the math and pigs gained most efficiently for the amount of grain they eat to the finishing weight of meat received when they are harvested. But it is still an astronomical 800 lbs of grain per pig, on average, to get them to about 200 lbs live weight. When you don't have an easy way to get that amount of feed around; no skid-steer to unload pallets, that gets to be a major back breaker.
2012 will be the year of investigating grass-based livestock alternatives, and aiding our poultry to be even better foragers. Grain feeding is not evil, like I said, meat birds in particular need that protein and energy in grain to grow their muscles. But grain feeding is expensive and alot of work to distribute around the farm. Rabbits are a great potential grass based livestock, and so far we are really enjoying raising them. The two other ideas for the future of exploring grass-based livestock will be cattle and sheep. There are several deterrents to that idea right now- no fencing, no experience and we have save all our energy towards working with our ducks this season. Not an 800 lb steer to worry about getting loose, or a flock of wild sheep being coyote candy. Not this year…
This morning at 5am, the air feels soft. It's cold, don't get me wrong, but the edge is gone. Such a refreshing feeling, and all the animals this morning are grateful. Rabbits are always thirsty. I tip the big momma's bowl upside down, kick out the ice chunk in there. The herd of bunny babies scrabbles all over my hand as I lower the basin to them, full of warm water. Watching rabbits lap up water is precious. All the rabbits are cared for by flashlight, filling up their hay, alfalfa pellets and more warm water. The gentleness and serenity is perfect morning energy for me.
Inside the side shed where the rabbits live, is a door to the goat part of the "barn." Even though goats are typically late risers, I peek in there to check on our new doe, Honey. She's monstrously pregnant, and she's up eating. When goats are super preggo, late term, they have very little space left in their bellies for food. They eat much more frequently, and this is a healthy sign that she's up and eating. I do a quick under-tail check for any signs of imminent labor….oh boy. Her vulva is wet. As the flashlight beams in on this very funny for 5am sight, I try to discern whether this is "birth-goo" or just wetness from peeing. My answer comes quickly, as right in my face a giant mass of goat pellets comes out. Good morning! Goats always poop after they pee. I check her udder, which is still smallish looking and decide there's nothing to worry about for now.
A 5 gallon bucket of warm water is lugged out to the hoophouse for the ducks, and the egg collecting basket comes along too. Little Blue's on duck-patrol-duty, and he's barking. Good boy! Early dawn is the most likely time the predator would be sneaking around, thinking about a duck breakfast. Yesterday there were a total of 30 eggs, but we lost a couple to freezing. Lost to sales that is, as we wash and eat the cracked ones ourselves. It's been incredible to see the number of ducks laying increasing each day. As the hours of light increase, one by one the ducks respond.
Soon, soon the grass will grow, warm spring breezes will arrive and we'll all be frolicking outdoors more. For now I love the coziness going on at the farm.


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The award is open to scholars and researchers with doctoral degrees preferably from a Swedish university or with corresponding degrees from other universities. Applicants of Latvian descent will have precedence to the Haralds Biezais Stipend, provided that the applicant otherwise is qualified to receive the award.
One or two stipends at maximum 20,000 SEK or about 2,000 Euro each will be awarded during the first half of the year 2019.
The Haralds Biezais Stipends are intended:
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The Haralds Biezais Stipend recipient will send a research report to the Haralds Biezais Foundation at <firstname.lastname@example.com> within one year after the receipt of the stipend.


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Search the Community
Showing results for tags 'low buy'.
Found 11 results
February 2019
EdithS2 posted a topic in No-Buy Support ForumWill I do better in February?
June 2018 No Buy, Low Buy, Project Pan
EdithS2 posted a topic in No-Buy Support ForumI'm excited for No Buy June! My Products: Nature Queen Shampoo and Conditioner deluxe samples Erno Laszlo Firmarine mini facial bar Mary Kay "Boss Moss" eye shadow sample duo card Borghese mascara Kenet MD mini massage bar soap Tata Harper Resurfacing Masque mini Sisley eye contour masque foil pack; Sisleya Essential Skin Care Lotion mini; and Eau de Campagne Body Lotion mini. These are from the June 2017 "The Long Weekend" beauty subscription box, so I hope to have fun using these on the weekends this month, and I hope they will inspire me to relax more. Goal: The next debt in my snowball is: $529.45. Goal is to start paying it off this month, as I would like to have it paid off by the end of July. I would really like to succeed this month and be able to celebrate one whole half year on No Buy!
May 2018 No Buy, Low Buy, Project Pan
EdithS2 posted a topic in No-Buy Support ForumI can't believe it's May already, and I've been working on this project since last December. This is a crucial month for me. I've been trying for years to successfully complete a No Buy and Project Pan. In 2007 and 2008, I started on New Year's and made it to the middle of May both times, and that was the longest I've lasted on a project like this. I want to break my own record. In both of those prior attempts, I was happy on my No Buy; I felt in control, and was making progress. Then May would arrive, I would see something I wanted very badly, and I would give in. I felt so bad when this happened, and then I was not able to get back on my project. It was like I had been under a magic spell that was broken, and I couldn't get back into the No Buy state. I would go back to my old way. I had not been on the No Buy long enough to make the lasting changes I want and need for my life. May goals: Pay off a debt of $443 I am still working on my Glossybox of face cream minis. I am using an average of three minis a month. I am currently using l'Occitane Divine Oil, in an adorable tiny glass bottle with a little dropper. I am also working on: Crabtree and Evelyn shampoo and conditioner minis; Clarins travel size cleanser; Natura Bisse eye cream foil pack; Doux Me masque deluxe sample; Borghese mascara mini; Mary Kay eye shadow duo sample card in Onyx; Estee Lauder eye makeup remover; l'Occitane Almond bath soap; l'Occitane Terre de Lumiere body balm deluxe sample; and Dollar General brand cotton pads. I MUST work hard on my second job this month! That's it to start! I hope to be back with good updates soon.
April 2018 No Buy, Low Buy, Project Pan
EdithS2 posted a topic in No-Buy Support ForumHi guys, hope this post finds you very well. I am beginning another no buy (replacement of any needed essentials only) and project use it up (focusing on deluxe samples) for April 2018. I'm going to spring clean my life. Products I'm using up to begin the month: Mary Kay eye shadow sample card - Real Teal Estee Lauder Eye Makeup Remover - left over from the 2014 Holiday Blockbuster makeup set! Skin Iceland Glacial Facial Wash mini - from Ipsy Tocca Bianca Body Scrub mini - great Birchbox sample 111 Skin minis - I received a mini of the Cryo Activating Hydro Gel in a fabulous Space NK GWP last May. I also received a mini of the line's Space Defense Bright Eye Lift Gel in an Ipsy Offer last year. I was excited to try the line. The products originated with a plastic surgeon in London who worked researchers studying the skin of astronauts, as aging is highly accelerated in space. I used the products last night and I'm not in love with the scent or the way they feel on my skin, but I'm going to use them all up. By not buying anything but essentials, I'm hoping to spring clean from my life another credit card this month. This particular card is not particularly good in terms of fees and interest rates, so I want to pay it off and close it completely. I have already paid my minimum payment for this month and my balance now is: $376.85. Yesterday I received in the mail my statement showing the zero balance from the card I paid off last month. How clean and crisp the paper appeared, and how good it felt to look at it. I felt I had worked hard to earn that paper, and felt proud.
March 2018 No Buy, Low Buy, Project Pan
EdithS2 posted a topic in No-Buy Support ForumSo excited to be back for another No Buy month. My main goal for No Buy March is to pay off a credit card - balance is $150.00. I want to have it completely paid off by the end of the month! I will start the month working on using up the following items: Full size White Rain Apple Blossom Shampoo (used half up last month) Foil pack Yves Rocher Sleeping Care (this is a leave in conditioner to use before bed, and that does not need to be rinsed or washed out) Full size Dior Instant Gentle Cleansing Oil for Face and Eyes (I bought this back in 2014, and used most of the bottle up last month. I just have a bit more to go.) L'Acura Cuvee Royal Refine Serum Vial (this is a little glass vial left over from an Advent Calendar I got at the end of 2016. It is supposed to be used in one day, half in the AM and half in the PM, but I am finding it to contain a few days' use.) After this is done I will try a deluxe sample of Avon Anew Vitamin C Serum. Mary Kay eye shadow sample card in Honey Glaze (a peach-pink shade I am looking forward to trying) Borghese mascara (used all of January and February - will need to discard after this month) PLANT Apothecary Get Happy Body Wash travel size (used half last month) Finally, I got a temporary second job this month, and I'm very excited about it. So My third goal is to work hard and achieve well in this new job. I will be busy this month.
February 2018 No Buy, Low Buy, Project Pan
EdithS2 posted a topic in No-Buy Support ForumI am committing to another strict No Buy for the month of February. BEAUTY GOALS Begin working through Glossybox filled with deluxe size skin care samples. These are samples I've collected between November 2016 and December 2017. I am going to try to use them based on the date they were acquired. I believe my oldest sample is a L'Occitane Ultra Rich Face Cream with Shea Butter - I think it is left over from the 2016 L'Occitane Beauty Advent Calendar. I also have a L'Occitane Dry Skin Foot Cream with Shea Butter that I believe is also from the calendar, so I'll use those first. Hair - use up conditioner foil packs (4). Use up travel size shower gels (5). Work on Glossybox containing sheet masques and masques in sachet pouches. Continue to use Borghese mascara mini almost every day. I believe this is my oldest mascara mini, and I have been using it for about three weeks. FINANCIAL GOAL First half of February - pay off debt with remaining balance $60.01. LIFE GOAL Have fun and relax, and enjoy the peace of mind that a No Buy brings.
October No Buy and Use it Up
EdithS2 posted a topic in No-Buy Support ForumHello, I was wondering if everyone would like to have a monthly thread for anyone pursuing any type of project pan, use up products project, low buy, or no buy? Please let me know what your ideas are and what you would like to do. I started a project two weeks ago and find it helpful to write about it here. Isn't it exciting that October is here? This is the time of year I really like to shop, so if I stay on course with my plan I will be really proud. Current plan is a no buy/using up foil packet samples and paying off my smallest debt. I am starting with the easier goals.
New Project - $20 a Day
EdithS2 posted a topic in No-Buy Support ForumNot exactly a no buy, but a challenge. To give up online shopping and to operate on a cash basis. To withdraw seven twenty dollar bills each week ($20 per day) from the ATM to cover groceries, eating out, cosmetics, and entertainment. To leave all other money in bank to cover bills. I wonder if I can make this a fun adventure, and if this will actually allow me to enjoy things more?? This is kind of a necessity for me now, but I am trying to make it a creative endeavor. So with this plan I CAN buy beauty products, but not online, as I will be operating on cash, and they will have to be in budget. Not only do I have debt, but I have had my card hacked recently from online shopping. That was a truly awful experience. I will try, but I am not a frugal person at all. No, not at all!!!
March 2015 No/Low Buy Thread
EdithS2 posted a topic in No-Buy Support ForumI thought I would start up a no buy thread for each month from now on, for anyone new who may join, and also for me. Because I was on 100 day no buy, January 1-April 10, but I've decided not to stop at April 10, but to continue indefinitely. I'm just getting started! For March, I hope to finish up my project of using up all my foil sized samples, and put together a box of spring products (floral scent, pink blush, etc.) to focus on using up next. One thing I always liked in my shopping days was buying new things when the seasons change. Hopefully this time, I can find items for the new season in my existing collection.
Ask and ye shall receive! Welcome, Friends, to the December Low-Buy/No-Buy Support Thread!!!! We know that this can be one of the hardest months to resist spending- not just for ourselves, but for others as well. There are lots of temptations- sales, the need to find the perfect gift, getting caught up in the spirit (which isn't a bad thing in itself), and then there are decorations, food, drink, parties, etc. Let's try to keep a clear head while spending this month! Go forth and share your goals for the month, and have a few holiday treats here while we commiserate together! Also, check out my tags for this thread up at the top- help me think of some other funny ones we can use!
Now that we're moving into the latter part of the year (only ~5 months left in 2014) I'm going to urge everyone to reevaluate how they are coming on their goals. At the beginning of this year we all set out to be in control of our spending. See your goals here: http://www.makeuptalk.com/f/topic/127423-no-buy-low-buy-goals-for-2014/ We all had changes this year, some were expected, some unexpected. We did the best we could to deal with those changes. And now, we can reevaluate how we are doing so far, and see if we want to make any changes for the tail end of the year. This is probably when people spend the most money- the holidays! So keep your head up and start thinking about it early, get yourself some goals. Let's talk about our game plans!
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