text:
What the Different Terms on Sunscreen Bottles Mean
What's in a Word? Decoding Sunscreen Terminology
While sunscreen companies work on rolling out their new bottle labels — thanks to the new regulations put into place by the FDA — there are still some basic sunscreen terms that are confusing to many. For instance, what's the difference between UVA and UVB? And is water-resistant just as effective as waterproof? Let's get all of our "burning" sunscreen questions answered!
- SPF: SPF stands for "Sun Protection Factor." According to WebMD, SPF is the ability of a sunscreen to block UVB rays, which cause sunburns, but not UVA rays, which can penetrate skin more deeply. The number, however, doesn't indicate how long a person can be outside in the sun before suffering from a burn. Some doctors argue that ditching your bottle of SPF 30 for a higher SPF may lead to a false sense of security about staying in the sun longer without reapplying. With the new regulations about labeling, the FDA has proposed a rule that would ban companies from labeling its sunscreen with an SPF of 50 or higher. Research suggests that there aren't any additional benefits once the SPF gets that high.
Find out what other sunscreen terms mean.
- Water-Resistant vs. Waterproof: A water-resistant sunscreen means that a sunscreen retains its SPF after swimming or sweating for a certain amount of time, whereas waterproof means that a sunscreen maintains its SPF up to 80 minutes after exposure to water. New FDA regulations state that "waterproof" will no longer be an allowed sunscreen claim since there isn't a sunscreen available on the market today that is 100-percent waterproof. Calling a sunscreen product "waterproof," "sweatproof," or "sunblock" falsely overstates its effectiveness, the FDA says. Under new regulations, sunscreens will only be allowed to be called "water-resistant" and will have to state how long they've been successfully tested to last when exposed to water.
- UVA vs. UVB: UVA rays account for 95 percent of the UV radiation reaching the Earth's surface and are less intense than UVB rays. But, UVA rays penetrate the skin more deeply than UVB rays; can still cause skin damage through clouds and glass; and are the dominant tanning ray. UVB rays are mainly what cause sunburns. UVB rays also play a key role in the development of skin cancer and are most harmful between the hours of 10 a.m and 4 p.m. and between the months of April and October. Under the new FDA regulation, sunscreens labeled "broad spectrum" will have had to pass the FDA's test showing that the product protects against UVA and UVB rays equally.


text:
Implementation Consultant - REMOTE
- Employer
- Allegis Global Solutions
- Location
- Hanover, MD
- Posted
- Oct 16, 2019
- Closes
- Oct 19, 2019
- Ref
- 415673162
- Function
- Accountant, IT
- Industry
- Technology and Software
- Career Level
- Experienced (Non-Manager)
- Hours
- Full Time
Company Description Allegis Global Solutions is founded on a culture that is passionate about transforming the way the world acquires talent by delivering client-focused solutions that make a difference for businesses worldwide. From refining how you manage your contingent workforce to strengthening your employer brand to recruit top talent, our integrated talent solutions drive the business results you need. As an industry leader, we draw upon decades of experience to design innovative tools, products and processes. We develop competitive practices that position organizations for growth and we deliver the insight needed to succeed in today's global marketplace. Job Description Implementation Consultants are business specialists and technology generalists. They are responsible for aligning technology solutions with business strategies and specific client needs. Those occupying this position partner with the functional groups within the Implementation organization to communicate and clarify business needs, lead the development of system plans/process flows, and ensure products and services are aligned with client needs. They conduct business process analysis, needs assessments, benefit measurements, and communicate trends and requirements to and from customers and management. Responsibilities Provide strategic consultancy support to assigned customers in defining or designing business processes and researching and identifying enabling technologies based on customer requirementsActively seek ways to apply technology to business processes, researching and providing information on technical trends and best practices relevant to the assigned client businessAssess near-term needs utilizing structured interview processes to establish business priorities; consult with technical subject matter experts and develop alternative technical solutions; advise on options, risks, costs versus benefits, and impact on other business processes and system prioritiesCoordinate multi-system solutions to clarify interdependencies, so that systems appear seamless to customersAlly with other functional areas to remain apprised of project status, and inform customer management of progress; conversely, keep management and technology partners aware of user issues and potential risks.Proactively identifying opportunities to apply technologies and best practice processes to the client organization.Inform and advise clients on the technologies' functionality, costs, benefits, and implementation requirements, and they provide services such as priority-setting facilitation.Develop and maintain credibility and effective working relations with both customers and management in a way that demonstrates an understanding of business problems, as well as implementation strategies, issues, and prioritiesApply technology to improving business processes within strategic system goals Qualifications A degree in Business or equivalent work experience preferredIT experience in business systems analysis, preferably across multiple hardware and software platformsBusiness unit experience that includes working closely with IT in the development and implementation of systemsPrevious experience in business process re-engineering or process improvement is desirable, involving broad-based information systems and utilizing tools and techniques to effect business changeDemonstrated competency in strategic thinking with strong abilities in relationship managementExperience in management of resources to meet goals and multiple projects Participation on multidiscipline, high-performance work teams/groups, preferably in a leadership capacity - demonstrated competency in developing efficient and effective solutions to diverse and complex business problemsDemonstrated competency in project management and executionKnowledge of the company's business practices and direction Additional Information As a workplace, we focus on relationships - with each other, our clients and our candidates - in fact serving others is one of our core values. We support open communication and recognize that giving constructive criticism can be even harder than receiving it. We appreciate the fearless and the passionate, who force us to be better. Everything we do sits on a pillar of diversity - diverse perspectives, backgrounds and ideas drive innovation and make us successful. See what it's like to work at AGS by searching #LifeAtAGS on any social network. AGS is an Equal Opportunity/Affirmative Action Employer (M/F/Disability/Veterans). We will consider all applications without regard to race, gender, sexual orientation, gender identity, age, color, religion, national origin, veteran status, disability, genetic information or any other status protected by applicable law. If you would like to request a reasonable accommodation, such as the modification or adjustment of the job application process or interviewing process due to disability, please call 844-604-7059 PandoLogic. Keywords: Implementation Consultant, Location: Hanover, MD - 21076

subset: commoncrawl


text:
Allo Darlin'
We Come From the Same Place
Fortuna POP! - 6 October 2014
Allo Darlin' are set to release their eagerly awaited new album We Come From the Same Place this October via Fortuna POP! (UK/Europe) and Slumberland Records (US). The third full-length recording from the much loved Anglo-Australian four-piece is made up of smart, beautiful pop music, with lyrics that resonate with experience and melodies that chime, echo and soar.
The album combines the eagerness, urgency and immediacy of their 2010 self-titled debut with the contemplation, sophistication and ambition of their 2012 follow-up Europe, and yet it goes beyond either both sonically and in song. It was written at a time of considerable change for songwriter Elizabeth Morris, a time during which she fell in love, moved to Italy and got married - not that that seems to have hindered the songwriting process, as Elizabeth explains, "So many things have happened since I first wrote the songs that make up this album, it´s difficult to remember back to where it all began. The songs were written very quickly, during a period when I found writing songs very easy, whereas I often find songwriting very difficult. Some of the songs were written so fast I can´t even really remember writing them. The songs were a joy to write, and writing them made me feel better about lots of things."
If the songs came quickly the recording of the album was a more considered process, with the band first testing out the new material at a series of small shows – christened the Compass Shows – in North, South, East and West London. They then returned to their spiritual home of Soup Studios, where they recorded their first album, to work with their long-term collaborator, producer Simon Trought. The intention was to capture a more instinctive and fluid live studio sound and to play as well as possible while the red button was on, a different approach to the more piecemeal recording of their previous two albums. Or as Paul Rains put it, "We've used three years of touring to try and get some of that sweat and grime and togetherness and sweetness and anxiety onto a record."
One of the themes of the new record is new beginnings and things drawing to a close. "Nothing feels the way it did before and I am grateful for that", sings Elizabeth on "Crickets in the Rain", a song written after her move to Italy and which she describes as "anti-nostalgia". Built along the same lines is the gorgeous "History Lessons", of which Elizabeth says, "I guess at some point I became a bit tired of everything seeming better in the past, from music to relationships to buildings to societies. We´re a bit obsessed with it and it can become overwhelming. We don´t live in the present. This song is trying to express that frustration."
Among the highlights of the album is "Bright Eyes", a duet with guitarist Paul Rains. Elizabeth again, "I wanted to write another duet, but the only problem with doing that is that when you play live it´s very rare that the person you recorded it with can be there. So I thought it would be great to write a song with Paul singing the other part. I love Paul´s singing and I wanted to hear him do it more, so it´s quite selfish really!" Another standout is the Twin Peaks-referencing "Half-Heart Necklace", based on a true story from Elizabeth's hometown. "There had been some murders, and this girl who was my age was missing and presumed killed. It turned out she had been hiding for years in her boyfriend´s cupboard, and she was charged for wasting police time".
Other notable tracks include the rollicking "Kings and Queens", inspired by a show they played in the USA with their friends and kindred spirits The Wave Pictures, and "Romance and Adventure", originally earmarked for a film soundtrack and written in response to a challenge from Paul to write a pop song in a minor key. Bass player Bill Botting sums up Elizabeth's remarkable songwriting ability by saying, "The key to Elizabeth's songwriting appeal is that she's so adept at pinpointing certain ideas and moods; leaving one city and finding a new one and realising that beginnings and endings have a lot in common."
Allo Darlin' were formed after Australian Elizabeth Morris arrived in London and bought a ukulele from the Duke of Uke shop in Shoreditch. She began writing music and was soon joined by fellow Australian Bill Botting (bass), Paul Rains (guitar), and Michael Collins (drums). Their debut album attracted many plaudits including being named No. 2 record of the year by online retailer eMusic, and a glowing 1,200 word essay by Robert Forster of The Go-Betweens in the Australian critical magazine, The Monthly. Their second album 'Europe' scored 8.1 on Pitchfork, was made USA Today's Album Of The Week, and garnered praise from Uncut, Q, NME, The Quietus and The Guardian. It was also named Rough Trade Shop's Album Of The Month, where it went on to become the biggest selling album of the year. The band have been playlisted at BBC 6Music and have recorded sessions for Lauren Laverne, Marc Riley and John Kennedy (XFM), as well being Steve Lamacq's personal pick for BBC Introducing. Their releases to date, along with their joyous and effervescent live shows, have seen them build an intensely loyal and ever-increasing fanbase.
The truism is that third albums are difficult beasts, but by remaining true to themselves Allo Darlin' have side-stepped the pitfalls to produce a wonderful record - thoughtful and exciting and exquisitely played – that will please their existing army of fans and newcomers alike. On first reading the album's title may seem enigmatic, but from the very personal nature of Elizabeth Morris' finely drawn vignettes to the more universal connections between the band and their audience, its meaning will be obvious to all who fall under the spell of this magical band.
"Breezy rom-pop brilliance." 8/10, NME
"Classic indie pop... doesn't rewrite the formula for wistful bedsit charm as much as show that it can still be carried out masterfully." Pitchfork
"A masterclass of modern cult pop." The Guardian
"Terrific, witty and heartfelt, like a less moody Belle & Sebastian." The New York Times


text:
43 Canaan Lane
Tel: 0131 446 3120
Fax: 0131 447 9266
Find out more about our work and latest news by reading our latest blogs about the Royal Blind School.
The move from school to adult life is a big change for anyone, but young people with additional support needs can face even greater challenges.
To prepare and inform parents and carers for their own child's post-school transition, the Royal Blind School is hosting an information event on Tuesday February 10.


text:
By Chris Wright
Quickie from Barcelona's official website, who have posted a statement this morning to confirm that the operation to remove Eric Abidal's liver tumour was successful and that it passed 'without complications'.
The statement reads:
"Doctor Josep Fuster Obregón and his team to remove a tumour in the player's liver.
"During the operation, which lasted for approximately three hours, the medical team removed the tumour through laparoscopic (keyhole) surgery without any complications.
"The player could be fit to leave the hospital within a week, depending on his progress."


text:
CLEVELAND, Ohio — A Cuyahoga County Common Pleas judge will soon decide whether or not to dismiss a civil lawsuit filed against the estranged husband of murder victim Aliza Sherman.
Attorneys for Sanford Sherman filed a brief Friday saying the case is about money that they believe was a marital asset.
Sherman's daughter, Jennifer, filed a suit against him, in May 2014 over an alleged hidden bank account that her mother discovered during her divorce proceedings.
Jennifer Sherman claims her father created an account containing about $2 million in her mother's name, without her knowledge.
But Sanford Sherman's attorneys say the brief filed by the plaintiff's attorney is "rife with speculation, innuendo, inconsistencies, and irrelevances."
Sanford Sherman said during depositions the account was set up with his wife, Aliza's, knowledge, and he used it to pay family expenses, which averaged $25,000 to $40,000.
Sanford Sherman's attorneys say the bank sent statements to Aliza Sherman monthly.
But a motion filed last month states that Sanford Sherman used the assets in the account not for family purposes, but "were in part used for strippers, paramours, and to settle a defamation lawsuit that Aliza never knew about."
The motion further states that Aliza was scared of him.
"Sanford intercepted Aliza's mail, that Sanford became worried and agitated as the divorce progressed," the motion reads in part.
Several of Aliza Sherman's emails were attached to the documents filed in court.
"He will stop at nothing to hurt me, I don't think I will ever be safe," one email stated.
Aliza Sherman was murdered outside of her attorney's office in March 2013, just days before her divorce case was set to go to trial. No one has been charged with her murder.
A longtime friend of Sanford Sherman also gave a deposition saying Sanford Sherman wanted his knowledge on how to commit the perfect crime.
But Sanford Sherman said in depositions he did not recall that conversation and he and his attorneys are asking a judge to dismiss the civil case, Sanford Sherman is not facing any criminal charges.
A pretrial is set for later this month.


text:
Here are a few pictures of the girls and our visit to my parents in Texas.
Grandpa and Samantha.
Blowing bubbles in the backyard.
Uncle John assisting with the water table thingy.
Yes, that is a polar bear in her mouth.
Sunflowers from my parent's front yard.
She got herself into the wagon, except for a tiny push from me when her second leg got stuck. I fear we have a climber on our hands.
The whole family.


text:
Selamat berbelanja, Shopper!
Anda akan mendapatkan:
– Email:Password123
– Login di web/app
Fasilitas Radionshop:
– Bergaransi selama 1 Tahun
– Live chat 24 jam bantuan
– Legal, aman dan original
– Kenapa murah? karena ini akun bekas yg tidak kepakai tp masih 100% bagus lengkap full jadi mirip original
– email/pass tidak bisa diganti
Rp. 100.000,- via bank
Pembayaran melalui website, live chat/CS, tokopedia, buklapak, dll
Rp. 120.000,- via pulsa
$10 via paypal/btc
Pembayaran hanya melalui CS (Customer Service)
Teaching is one of the most challenging and complex jobs on the planet. Our digital resources, tools, and learning materials are developed by educational experts to incorporate leading pedagogical practices. They are useful in any type of teaching moment and many can be used to support national education standards.
From school teachers and tutors to home schoolers and parents, engaged adults are the key to unlocking each child's potential and drive to learn. We empower all kinds of educators to teach kids by providing the best educational resources in any form or device to be used at home, at school, and everywhere in-between.
There is no such thing as "one size fits all" in education; each educator and child has unique challenges and goals. We celebrate the diversity of our users by offering differentiated resources that can meet a wide range of educational needs – and raise kids' confidence in learning.
We continue to provide academically sound content of the highest caliber and welcome input from our users as we address issues of equity, diversity, inclusivity and representation. Since we know there are many different approaches to teaching and education, we develop our materials to complement these different philosophies across subjects and grades.
*Pemesanan dapat langsung menghubungi kontak di bawah ini:
*Pemesanan dapat langsung menghubungi kontak di bawah ini:


text:
FP&A Analyst
- Recruiter
- Page Personnel
- Location
- Cambridge, Cambridgeshire
- Salary
- £35000 - £40000 per annum
- Posted
- 22 Feb 2019
- Closes
- 26 Feb 2019
- Ref
- 13986882/001
- Contact
- Thomas Sharpe
- Job role
- Forensic accountant
- Sector
- IT/Telecoms
- Contract type
- Permanent
- Hours
- Part time
A tremendous opportunity for an experienced finance professional to join a global leading science and research business looking for a commercially minded and ambitious FP&A Analyst. Within this role the FP&A Analyst will be centred around business partnering for the business, providing detailed analysis and forecasting to the wider teams in the business.
Client Details
A market leading and globally recognised science and research business operating from state of the art facilities within Cambridge. They are an employee driven business and from this provide an environment predicated on success with a challenging but highly rewarding role.
The FP&A Analyst will be responsible for:
- Providing detailed and accurate FP&A reports for the senior members of wider teams in the business
- Producing monthly reports that can be understood by finance and non-finance members of staff
- Produced detailed trend analysis alongside variance analysis
- Support the heads of other divisions with the budgeting process
- Create new, and maintain existing, models in the Cognos system
- Implementing any process improvements or system streamlining
- Produce detailed cost analysis and forecasting
- Assist the wider teams with any finance duties that they need
- Calculation of monthly accruals
The successful FP&A Analyst will be:
- CIMA or ACCA finalist
- Advanced user of Excel capable of pivot tables as well as the creation of reports
- Previously exposed to a fast paced and commercial working environment
- Experienced in a variety of software, preferable Cognos TM1
- Confident in building and maintaining relationships with senior members of the wider team
- A driven and ambitious individual keen on personal and team success
- A proven track record of producing detailed FP&A
Job Offer
The successful FP&A Analyst will be making a brilliant step for their longtime career by joining this market leading, Cambridge based science and research business. The successful candidate will be working from brilliant facilities as well as receiving a highly competitive salary and benefits package.


text:
With rising minimum wages, and a focus on staying profitable while reducing costs, companies are looking for ways to improve their operations around Payroll Management. This means that, by properly reporting payroll, aligning work schedules to reduce overtime, and avoiding compliance pitfalls, you can maximize your profit while keeping costs at a minimum.
At the same time, one thing companies aren't always aware of is the ability to take advantage of government programs that provide your workforce management system with incentives to get money back for your operations. This is a great area to get more value out of your workforce and get money back. Let's take a look at both.
1. Payroll Management intelligence in Deductions
Payroll management can be a complex process. There are various elements that are tied to payroll management, which can vary from one employee to the next. Risks arise when you have to manually calculate wages against hours worked, the necessary deductions required for taxes, benefits and additional wages (such as 401K). Any wages, tip credits, taxes, benefits deductions and overtime need to be calculated properly, in order to maintain regulatory compliance.
Look for a payroll management solution that provides that level of integration and gives you the ability to connect time and labor management with payroll management. Without having a system that connects the employee rates to the payroll, you run the risk of errors or failed entry of wages. This not only poses a risk to employees' getting paid but can also run into compliance risks with failure to accurately record taxes or benefits. You want a system that provides you with the intelligent business rules to automatically run payroll against the current employee rates.
The Savings: The biggest challenge becomes being able to accurately track the employee wage rates, taxes, and credits that need to be accounted for. Minimum wage changes, or properly calculating tip credits, overtime, and how this is taxed can be a complex process, and noncompliance to this can result in costs associated with time to process or failure to record wages properly, which can result in penalties you cannot afford.
2. Visibility into Benefits and Available Credits
Part of streamlining costs is assessing the potential workforce management credits available to businesses and taking advantage of benefits that can help reduce costs. Understanding the eligibility of certain government tax credits such as the Work Opportunity Tax Credit (WOTC) or Employee meal credits can allow you to get money back on certain hires.
Additionally, having a Benefits Management System that is integrated into your payroll management system helps you to provide an assortment of benefits options to your employees that allows you to reduce your overall costs when paying for benefits management administration. You want to look for a solution that has these options as a service for you to take advantage of and many it easy for you to process them and apply them to your business.
The Savings: WOTC credits for eligible employees can vary from $2000 for a small operation to well over $50,000 for larger operations. Similarly, meal credits for employees are 50% tax deductible for each meal. These are significant credits that can be easily integrated into your system and helps to offset any costs within your operations. The biggest challenge in implementing them is simply knowing when and how you can apply them. By having a workforce management solution that makes these advantages more visible to your operations, you can take the administrative burden off researching and processing, and have the solution help you to realize these potential costs.
As rates change and more and more companies are looking to remain competitive with both their operations and their workforce, there needs to be a shift in how the workforce management system is able to assist in mitigating risk. Leveraging workforce management systems, such as payroll management tied to time and labor management, linking benefits management to your workforce management system, and taking advantage of government tax credits, you can save costs, retain your workforce, and streamline operations.


text:
iTel Mobile
itel Mobile, established in 2007 in Hong Kong, is a major player in mobile handsets worldwide. Over the past decade, the brand has specialized in mobility solutions. Since its inception, the brand has spread its presence in more than 45 countries across the globe.
In 2016, itel sold a landmark of 40 million handsets, keeping the NO.1 sales volume in Africa for the second year and claiming the top 3 mobile brands in Africa.
iTel Mobile offers a wide range of smartphones and smart keypad phones. Explore the latest range of best camera smartphones, android mobile phones
Latest iTel Mobile Phones
Check out the Latest iTel Mobile Phone specs, Features, Reviews, quotes, where to get the cheapest iTel Phones


text:
My Basket
You have no items in your shopping basket.
This range of Soft-Closing Ball Bearing Drawer Slides are easy to install and are smooth operating. Suitable for a variety of drawers in kitchens and bathrooms.
Material - Mild Steel.Notes:
TR = Travel
Click on above image to magnify
Drawings and images are for reference only and should not be used for product specification. For new applications we recommend that you carry out assembly tests using samples supplied by us.


text:
Treasury, IRS propose rules to facilitate investment in bond-financed infrastructure
Show more sharing options
Share Show more sharing options
WASHINGTON – The Treasury Department and Internal Revenue Service are taking action to further the Trump administration's infrastructure initiatives by clarifying that their arbitrage restrictions on "investment-type property" exclude investments in bond-financed capital projects.
The clarification would mean that if a state or local government pension fund, for example, wanted to invest in a tax-exempt bond-financed highway project then the outstanding bonds or any bonds issued in the future for the project would not be considered as taxable arbitrage bonds.
The Notice of Proposed Rulemaking [REG-106977-18] by the agencies, released on Monday, states that the proposed clarification can be relied upon immediately even though it will not formally take effect until 90 days after the Treasury publishes final rules in the Federal Register.
Meanwhile, the Treasury and IRS have asked that comments and requests for a public hearing on the proposed rules be submitted to them by Sept. 18.
A Treasury official and former IRS official explained the significance of the proposed rules.
"This is a clarification of original legislative intent that's intended to facilitate investment in public infrastructure," said John Cross, Treasury associate tax legislative counsel.
"This addresses concerns that some investors had about how you define 'investment-type property' and it makes it easier to invest in bond-financed facilities," said Vicky Tsilas, a partner with Ballard Spahr and former chief of Branch 5 of the IRS Office of Associate Chief Counsel for Financial Institutions and Products who worked on the proposal.
Municipal market participants are pleased with the proposal.
"Along with the recent changes to the remedial action rules and the changes to the rules for management contracts, today's guidance is another positive step by Treasury and the IRS towards facilitating the use of tax-exempt bonds in connection with public-private partnership projects," said Mitch Rapaport, a partner at Nixon Peabody here.
"IRS and Treasury should be congratulated on the speed and efficiency with which they remedied a gaping hole in the existing arbitrage regulations," said Dave Caprera, a lawyer at Kutak Rock in Denver. "Almost 25 years to the day from when the final arbitrage regulations were issued, the IRS released propsed regulations which would add not one, but two, totally inconsequential and entirely obvious sentences clarifying that state and local governments will not be considered to have acquired investment property when they finance a courthouse."
The Notice of Proposed Rulemaking explained the genesis of the proposal. "Institutional investors have suggested clarification of the scope of the regulatory definition of investment-type property under §1.148-1(e)(1) to ensure that the definition does not impede greater capital investment in public infrastructure," it stated.
Tax rules generally prohibit the proceeds of tax-exempt bonds from being invested in higher-yielding securities or investments and require issuers or other borrowers to rebate any excess earnings to the federal government. The rules say that bonds are taxable arbitrage bonds if the proceeds are reasonably expected to be used, or intentionally used, to acquire "higher yielding investments."
The term higher yielding investments is defined to include certain securities, obligations, annuity contracts, residential real property for family units located out of the jurisdiction of the issuer financed with bonds other than private activity bonds, and any "investment-type property."
Investment-type property is defined to include any property that, in part, "is held principally as a passive vehicle for the production of income." The production of income includes any benefit based on the time value of money, according to the tax rules.
This definition gave institutional investors pause when considering investing in tax-exempt bond financed infrastructure projects. State and local pension funds were especially concerned because Congress made clear in the Tax Reform Act of 1986 that it did not want public pension funds to be involved in the issuance of tax-exempt bonds, sources said.
The Notice of Proposed Rulemaking said the 1986 act made clear that Congress' intent was that the definition of investment-type property not extend to investments in capital projects in furtherance of the public purposes of the bonds. In fact, the House report on the act said: "This restriction would not apply … to real or tangible personal property acquired with bond proceeds for reasons other than investment (e.g. courthouse facilities financed with bond proceeds)."
The notice proposed "an express exception to the definition of investment-type property for capital projects that further the public purposes for which the tax-exempt bonds were issued."
The agencies added, "For example, investment-type property does not include a courthouse financed with governmental bonds or an eligible exempt facility under section 142 [of the Internal Revenue Code], such as a public road, financed with private activity bonds."


text:
The CBOE VIX Index closed today at 10.11 (having traded with a 9 handle briefly intraday), which got ConvergEx's Nicholas Colas wondering what a single-digit reading may indicate about US stocks.
Three historical periods back to 1990 feature a sub-10 VIX: December 1993, January 1994, and Dec 2006/Jan 2007.
In each case, US equities were modestly lower (down 2 to 6%) one year later and in 2 of the 3 instances they were down 2-6% in three months' time. More importantly, the following years (1995 and 2008) show a remarkable dichotomy of returns (up or down 37%).
So what has taken us down to these VIX levels? In today's note we call out 10 different notional market "Puts" that each tend to dampen actual (and therefore near term forecast) volatility. These include Fed/ECB puts, a Trump/Republican policy put, a passive money flow put and a corporate cash put. Now, if you're looking to understand when volatility returns (and it always does), this "Top 10 Market Puts" list a good starting point. When one or two begin to unwind, that's when volatility will return. And not before.
* * *
"It's quiet out there… too quiet." That old line, its origins lost to history, neatly sums up how many equity traders feel right now. Global equities continue their remarkable rally in the most unremarkable of ways. Slow, and steady and boring.
The CBOE VIX Index briefly broke 10 today, essentially half of its long run average of 19.6, and closed at 10.11. In its unofficial role as the primary forecasting tool of near term US equity volatility, that is the equivalent of a Los Angeles weather forecast. 80 degrees and sunny… Next weather update in 5 days.
I got to wondering just how many days the VIX has closed below 10 and what that means for future equity returns. The answers:
- The VIX has closed below 10.0 a total of nine times since 1990. There are three clusters on that timeline: late 1993 (December 22, 23, 27 and 28 1993), late 2006/early 2007 (November 20/21 with December 14 2006 and January 24 2007), and a standalone January 28 1994.
- Three, six and twelve month S&P 500 price returns after December 28 1993 were: -2.3%, -5.3% and -2.1%. (Worth noting – S&P 500 total returns for 1994 were +1.33%, but 3 month Treasuries returned 4.0%).
- Three, six and twelve month returns after January 28 1994 were, of course, similar at -6.2%, -5.1% and -1.7%.
- Three, six and twelve month returns after January 24 2007 were +2.8%, +4.9% and -6.1%. The following year was the bad one, with total returns for the S&P 500 of -36.6%.
The takeaway from these examples is clear: in the unusual instances (just 0.13% of the days since 1990) when the VIX closes below 10, one year forward returns have all been negative. In one case (2007 into 2008) the following year was terrible. In the other case (1994 into 1995) it was great – up 37.2%.
If you want to see a history of S&P 500/3 month T-bills/10 year Treasury note returns (very useful when looking at historical trends such as these), click here.
Important: the upshot of this quick analysis is this: a VIX close below 10 is historically correlated with a one year pause in S&P 500 returns. The year after that is where things get dicey. You could get a 1995 (+37%) or a 2008 (down 37%).
Now, 3 (2 and half, if we're being honest) examples isn't a great sample size. To round out the discussion we need to come to some conclusions about WHY US equity volatility is so low. And what might change that.
Here are 10 equity "Puts": commonly held investor beliefs about current market dynamics that help explain both low volatility and the march higher for US and global equities.
#1) The Fed Put. Ever since Alan Greenspan came to the US equity market's rescue after the October 1987 crash, there has been a school of thought that says the US Federal Reserve views equity markets as a "Third mandate" along with price stability and full employment. If markets falter, the Fed will pass on a June rate increase and perhaps those scheduled for later in the year as well. Or so the logic goes…
#2) The ECB Put. To the degree to which the European Central Bank has mimicked the Fed's policies of ultra-low interest rates and the purchase of long dated bonds (quantitative easing), equity investors may well feel that there is also an ECB "Put".
#3) "Long End of the Yield Curve" Put. If global economic growth is about to take a step function higher (as indicated by rallies in US, EAFE and Emerging Market equities) no one seems to have told sovereign debt markets. The US 10 year note for example, yields all of 2.3% and the 10 year German Bund pays a 0.3% coupon. Those low rates help support equity valuations, and if global growth falters those rates will go lower still (and continue to help valuations).
#4) "Trump/Republican Washington" Put. At some point before the mid-term US elections in 2018, President Trump and the GOP – controlled Congress should be able to pass tax reform. That gives equity investors the chance to see earnings estimates rise for 2018 and beyond, supporting current valuations.
#5) "Passive Money/ETF Flow" Put. Year to date money flows into equity US listed Exchange Traded Funds total $121 billion, a pace that will break all prior records if it continues through the end of 2017. Moreover, those flows are remarkably consistent whether you look at the last day, week, month, quarter to date or calendar year. As long as those trends continue, why worry about a market correction?
#6) "Offshore/Corporate Cash" Put. US public companies continue to operate at near-record profit margins, but they are still more likely to buy back their own stock or hold cash offshore rather than invest in their business with those cash flows. That leaves them less prone to financial stress during an economic downturn and therefore reduces their stock price volatility across the business cycle. Also worth considering: if corporate tax reform does come through, these same companies may be able to repatriate some of their offshore cash holdings for buybacks (which would also reduce price volatility, everything else equal).
#7) "Lower Sector Correlation" Put. Since the November US elections, sector correlations within the S&P 500 have dropped from +90% to 55-60%. Should this continue (and absent a major correction, it should), overall S&P 500 volatility will remain lower than when correlations were higher.
#8) "Earnings Beats GDP" Put. As it stands right now, the S&P 500 will post close to a 10% earnings growth rate for Q1 2017. Part of that is from smaller losses in the Energy sector, and part is actual earnings growth in Financials, Materials, and Tech stocks. All of it is enough to allow analysts to expect Q2 2017 earnings growth to run 8%, even though Q1 US GDP growth only showed 0.7% growth when it was released last Friday.
#9) "Receding Nationalism" Put. Now that equity investors seem certain Marine Le Pen will not be the next French president, the prospects for a "Frexit" seem distant. Polls currently have her at 40% of the vote versus Macron's 60%. See here for a good poll tracker: http://www.bbc.com/news/world-europe-39692961
#10) "GDP Bounce Back" Put. After a lackluster Q1 GDP print, the closely watched (and accurate for Q1) Atlanta Fed GDP Now model has a 4.3% starting estimate for Q2 2017. Blue chip economists are sitting closer to 2.7%, but all agree for the moment that Q2 will be far better than Q1.
I could go on, but you get the point: there is an overwhelming market narrative that equates to "Don't worry, be happy". That should be no surprise. You don't end up with a 10 handle VIX very often, and when you do it is the result of a unique set of circumstances.
I will close where I began, with the possibility of a single digit VIX reading. Historically, that signals the possibility of a pause in equity returns. This means at least a few of our 10 "Puts" will not actually work as anticipated. But the real question is not 2017 – it is 2018. Will next year resemble 1995 (+37%) or 2008 (-37%). Again, that comes down to how many of these "Puts" survive the next 12 months.


text:
Kollywood is abuzz with the news that Kamal Haasan, Crazy Mohan and Prabhu are coming together to make a comedy flick. Grapevine has it that the film has been titled Nanbargalum 40 Thirudargalum.
It is worth mentioning here that the trio joined hands for Vasool Raja MBBS, a remake of the Hindi blockbuster Munna Bhai MBBS, and the film was a smash hit. Nanbargalum 40 Thirudargalum will be produced by Sivaji Productions.
Sources in Kollywood say that Kamal may commence this film once he wraps up Viswaroopam, which went on floors this week. More details about this project is expected to be made soon.


text:
ENT Holmdel, New Jersey
Holmdel, New Jersey is one of 3 locations of Coastal Ear, Nose & Throat. Coastal Ear, Nose & Throat is a full service ENT facility, which includes a board certified orthodontist and pedodontist. We also have an In-House Dental Ceramicist that creates custom coloring for beautiful porcelain veneers, crowns and bridges. We use the latest in dental technology to create beautiful smiles. Our Cosmetic Dentistry services include Dental Implants, Dental Exams & Cleanings, and Dentures.
Ear, Nose and Throat Doctors
At Mainland Dental Associates, you can choose from our broad selection of cosmetic dentistry services to create a show stopping smile. Examples of the cosmetic services we offer include Dental implants, Dentures, Porcelain crowns, Teeth whitening and Veneers. Dr. Mendelsohn and Dr. Zhang combine their artistic expertise with the latest technology in cosmetic dental materials and techniques to create the smile of your dreams.
Hearing Aids
A preventive program is a cooperative effort by the patient, dentist, and dental staff to preserve the natural dentition and supporting structures by preventing the onset, progress, and recurrence of dental diseases and conditions. Preventing dental disease starts at home and is continued in the dental office to promote, restore, and maintain your oral health. Regular dental exams, cleanings, and x-rays are recommended and important in the prevention process. Prevention helps avoid serious and costly dental problems and is the key to having a healthy, confident, beautiful smile. Call today to schedule your dental exam and cleaning at Mainland Dental Associates.
Sleep Apnea Treatment
A denture is a removable dental appliance replacement for missing teeth and tissue. They are made to resemble your natural teeth and may even better your smile. The process of getting dentures requires several appointments, usually over several weeks. Highly accurate impressions (molds) and measurements are taken and used to create your custom denture. Several "try-in" appointments may be necessary to ensure proper shape, color, and fit. Mainland Dental Associates' experienced dentist will make sure that you receive the care and treatment you deserve. Call to schedule your denture consultation.
What Are Dental Implants? Dental implants are artificial teeth designed to replace missing teeth, made of an artificial tooth root and a dental crown. Implants can be used to replace one or more missing teeth and can also be supports for bridges and partial or full dentures. They are aesthetically pleasing, comfortable and fully functional. If you have missing teeth, you may be a candidate. However, since oral surgery is involved, you must have adequate bone density in your jaw as well as healthy gums. A consultation will allow our team to make an assessment.
Throat Doctor
Nose Doctor
Ear Doctor
Coastal Ear, Nose & Throat in Holmdel, New Jersey
WHAT OUR Holmdel PATIENTS SAY..


text:
Odyssey announces global partner program for Interact Intranet
partners have a great opportunity to exploit the power of a strong brand to maximise their growth and profitability
Odyssey Interactive Ltd, provider of the fastest growing intranet solution, Interact, today announced a global Partner Program to deliver the company's Intranet solution.
The Interact Partner Program provides a structure for Odyssey Interactive and partner companies to work together delivering powerful geographic or specific industry-sector solutions. Partners will have the opportunity to enhance their revenue and current product offering through reselling, integrating or generating sales leads for Interact.
With over 250,000 users, Interact Intranet is the world's fastest growing intranet solution. It is a versatile, fully secure Intranet which seamlessly integrates with other IT applications.
The core software comprises a sophisticated range of built-in applications and contains all the features needed for a robust and flexible strategic intranet to improve productivity and efficiency. Powerful enterprise networking features promote cross-company collaboration and a range of sophisticated additional plug-in business software is available to suit key business processes.
The Interact platform combines all of the point features of Web 2.0 sites into a single, business-enabled system that is context and security aware. It is modular in its architecture allowing organisations to add the components, resources, and services that are required as the business evolves and grows.
Speaking about the new Program, Scott Hitchins, Partner Manager at Odyssey Interactive said:
"Partnership is a powerful tool and one through which we hope to continually increase our worldwide market presence and expand sales. Interact offers our partners the chance to share in the success of the world's fastest growing intranet software and enjoy a mutually rewarding long-lasting relationship.
Interact has already gained a very positive reputation among customers for improved efficiency, greater productivity, increased staff commitment, better decision-making, cost savings and unmatched ease-of-use. Our partners have a great opportunity to exploit the power of a strong brand to maximise their growth and profitability"
The Interact Partner Program offers the following benefits:
• High profit margin on each sale
• Free software training
• Free sales training
• Dedicated Account Manager
• Access to the dedicated Partner Extranet
• Priority Technical Support
• Free access to supporting documentation, sales collateral and marketing material
• Discounted advanced training
• Protected sales leads
The Partner Program features three levels of participation to offer more flexible opportunities:
Interact Approved Implementer Program
This is aimed at organisations that have the capability to sell, install, support and train users in Interact, as well as adding additional value-added services.
Interact Technology Partners
Technology partnerships are critical to Odyssey's ability to deliver world-class solutions to customers and this program will enable partner development of value-added integrations for Interact.
Interact Affiliate Partners
This has been designed to reward any company that passes an intranet enquiry to Odyssey which then results in a sale of Interact. A competitive commission rate is offered for every sale achieved.
Award winning digital agency, Redweb, is already enjoying the benefits of the Interact Partner Program, Stuart Pool, Director at Redweb commented:
"Interact provides us with an intranet solution that immediately adds value to our product offering. Interact's place as the leading solution in the UK means we can concentrate on value added services such as design, consultancy, and development."
Linda Bolg
Marketing Manager
Odyssey Interactive Ltd
0161 927 3222
About Interact Intranet
Interact is a versatile, fully secure Intranet which can be quickly and easily updated by non-technical users. It seamlessly integrates with other IT applications providing a single one-stop portal for business processes and information such as staff details, news and procedures. The core software comprises a sophisticated range of built-in applications and contains all the features you need for a powerful and flexible strategic intranet which promotes collaboration and communication. A range of sophisticated additional plug-in business software is available to suit key business processes.
Interact has been developed to take advantage of the latest technologies as used by websites like Facebook and Amazon. It has a unique Intelligence Store which logs information such as browsing routes, search entries, documents ratings and hits and uses this information to promote content to users. It automatically creates links to other information such as articles, discussions, events and people so that each piece of information is not isolated, but is part of a greater whole – the intranet information store. The more the intranet is used and the more content is added the more powerful and effective it becomes. Powerful enterprise networking tools actively promote internal communication, collaboration, idea sharing and cross-organisation participation.
About Odyssey Interactive
Odyssey Interactive Ltd is one of the fastest growing intranet software and web development companies in the world. The company's out-of-the box intranet solution, Interact Intranet, has revolutionised the way companies communicate, collaborate, share knowledge, and streamline internal business processes.
With well over a decade of experience Odyssey has built a solid reputation for both product excellence and outstanding customer service. Organisations using Interact Intranet report improved efficiency, greater productivity, increased staff commitment, better decision-making and cost savings. Interact Intranet is used by over 250,000 people across a diverse range of clients in both the private and public sectors including HMV, Waterstone's, American Golf, Republic, Chelsea Football Club, Tyco Fire & Security, Kantar Health, Tradeteam DHL, Amicus, CLIC Sargent, Calor as well as NHS and social housing organisations.
This press release was distributed by ResponseSource Press Release Wire on behalf of Interact Intranet in the following categories: Business & Finance, Computing & Telecoms, for more information visit https://pressreleasewire.responsesource.com/about.


text:
Slovenian broadcaster RTVSLO has today revealed the running order and the songs titles for the artists competing in their Eurovision 2017 selection show EMA. Find out who is in which semi final.
Month: January 2017
Serbia for Internal Selection for Eurovision 2017!News
Serbian broadcaster RTS have announced today that they will choose their 2017 Eurovision participant and song via an internal selection process.
Latvia Reveal Supernova Heat Allocation!News
Latvian broadcaster LTV announced in a press conference last week which acts and artists will compete in the 2017 edition of Supernova, this week they have allocated which of these artists will compete in the two heats. Read on to find out.
Iceland Reveal Running Order for Songvakeppnin 2017!News
Iceland's Songvakeppnin 2017 will kick off in a few weeks and today the broadcaster RUV revealed which acts will compete in each of the two semi finals and the running order for each show. Check it out!
Israel's Rising Star Get Top 6!News
In a shock move earlier this week, Israeli broadcaster shortlisted eight acts from the qualifiers from the audition round of Israel's Rising Star, in an untelevised round of its Eurovision selection show. Advancing to the quarter final round were Diana Golbi, Imri Ziv, Ta-La- Te,Hally (Hallelujah) Lewis, Sapir Nahon, The Beatbox Element,Yona Shavin and Julieta. Tonight and last night saw the show return to TV screens with two quarter final shows. Read on to find out who has advanced to the semi final rounds on 6th and 7th February.
Eurovision 2017 Song Update: O'G3NE, Hovig, Brendan Murray and Nathan Trent!News
Four of the artists for Eurovision 2017 have taken a step closer to unveiling their song for this year's contest this week.
Listen: New Songs from Eurovision Faves!News
Some of our favourite Eurovision stars from recent years have all dropped new singles this week. This include Russia's 2008 winner Dima Bilan who returns with song 'Monsters in Your Head', 2013 Swedish singer Robin Stjenberg who has released 'Feed On My Love', Poland's Cleo is back with 'Echo' and Macedonia two time representative Kaliopi releases new single 'Rodjendan'. As well as that we have new songs from Joe and Jake (United Kingdom, 2016), Greta Salome, (Iceland, 2016) and Donny Montell (Lithuania, 2012 and 2016).
Eurovision 2017 Gets Slogan, Brand and Stage Design!News
Eurovision 2017 has picked up pace this week. Not only have participating countries been announcing their acts, songs and selection shows been taking place, we got the official hand over of host city from Stochkolm to Kiev, the semi final allocation draw, but that's not all.
10 Things About…Tako Gachechiladze!10 Things About...
On 20th January, Georgia held their national selection final for Eurovision 2017. 25 acts competed but it was Tako Gachechiladze who was crowned the winner. We take a look at her career in our feature: 10 Things About…Tako Gachechiladze!
Eurovision 2017 Semi Final Allocation Draw Takes PlaceNews
Earlier today Stockholm handed over hosting duties to Kiev and in the ceremony the broadcaster NTU also announced which countries would perform in each of the two semi finals. And which of the big five and host countries would vote in each of the semi finals. Find out where your country will perform below.


text:
HMS Band Directors
Mrs. Ciji Coates and Mrs. Nancy Ciacciarelli
The HMS 7th & 8th grade band program is an exciting continuation of the ARIS 6th grade band experience. This large program currently has 230 members with lots of ways to participate and get involved!
Find all of the latest band news, listening links, music files, and the band calendar at the HMS Band Google Site (this site is only accessible with student log in).
Parents and students can view more detailed information about the HMS Band Program here:
19 - 20 HMS Band Program Information .pdf
19-20 Performance Dates.pdf


text:
As John Hake of Kitchen Design Ideas eloquently wrote, "Gold is the color of the longest-lasting form of money around. It's use in interior design represents spirituality, wealth, and ultimate beauty. A gold kitchen, or gold-accented kitchen, is positively divine. The color is an excellent choice for accenting warm-toned wood cabinets, and plays well against white, black, and deep red. With green, it can evoke a fairy-tale feel. Because of its associations in nature, gold tends to remind us of peace, wealth, stability, grandeur, and purity."Gold & Brass Accents According to Libby Hartman of Kalco Lighting, "Warmer hues are making a comeback not only in statement lighting but also in hardware, (such as) decorative knobs or kitchen faucets, in general. We're not just seeing classic polished gold but rose gold, brushed gold, warmer platinum's and pretty much everything in between. "Gold accents, or any other warm metal accent, be it brass or otherwise, can certainly add a touch of Great Gatsby-style glamour," she said. "But, more importantly, I feel gold has a sophisticated edge that can fold in nicely with any decor style." Today's kitchen makeover hardware and lighting accents offer a modern, sleek and sophisticated look. The finishes are subtler and not as shiny and harsh from the brass and gold in the past. Hardware, fixtures, knobs come in many different angles and shapes and are a huge contrast from the traditional use of gold and brass from the 80s and 90s. Another innovative way to incorporate gold accents into your kitchen remodel are back splashes. Gold-accented back splashes add beauty, shine and pizazz to your kitchen makeover. Back splashes come in a variety of materials, including glass or a combination of stone and glass mosaic tiles. Mixing and Matching Metal Finishes in the Kitchen Mixing and matching metal finishes is the way to go. Combining metal finishes is a great way to add interest and depth to your kitchen remodel. Think of the hardware and metal accents as the "jewelry" of the kitchen and don't be afraid to "bling" it up. It is a nice way to update your kitchen without changing your cabinets.
Gold Kitchen Cabinets For those looking to make a bold statement in their kitchen makeover, gold kitchen cabinets might be something to consider. Traditional gold or gold-accented cabinets mix fashion with sophistication. Gold kitchen cabinets do require more care when it comes to cleaning and maintenance. Knowing how to properly care for your kitchen remodel cabinet selection will ensure many years of enjoyment.
Gold Paint in Your Kitchen RemodelThe use of gold paint in the kitchen brings warmth into the kitchen and bring and make white kitchen cabinets pop or tie into tones used in a back splash or countertops. Gold Lighting Fixtures Light fixtures can make a bold statement or offer a subtle accent, depending on your selection. According to HGTV Design Star, Vern Yip, "The old way of thinking is you spend thousands of dollars on the crystal chandelier over the dining table, but lighting over the kitchen was practical," he says. Now, there's more emphasis on kitchen lighting "that doesn't feel functional but has a really polished aesthetic quality." Brass and gold-toned accents on a kitchen island, combined with brass kitchen tools is another way to accentuate your kitchen remodel. The possibilities of adding gold to the kitchen makeover are only limited to your imagination. Whether it is a coat of paint on the wall, a decorative back splash, lighting fixtures, hardware and knobs or simply accenting with accessories like a beautiful vase, bowl, or stools, gold is BACK in a big way! There is no right or wrong way to incorporate gold into your kitchen remodel. Gone are the days of matching metal finishes. Gold adds warmth, visual depth, bling, and timeless beauty to every kitchen makeover.


text:
2018 Astros review: Lance McCullers Jr.
Across the next few weeks on Texas Sports Nation, we will analyze the 2018 season of each Astros contributor.
Today: Lance McCullers Jr.
In 2017: 118.2 IP, 114 H, 40 BB, 132 K, 4.25 ERA, 3.10 FIP, .696 OPS against
In 2018: 128.1 IP, 100 H, 50 BB, 142 K, 3.86 ERA, 3.50 FIP, .653 OPS against
Analysis: Another abbreviated season for Lance McCullers Jr. yields an winter filled with uncertainty.
When he was healthy, McCullers engineered a career year. He set personal bests with 128.1 innings, 25 appearances 142 strikeouts. Development of his changeup was evident. The pitch elicited a 20 percent whiff rate according to BrooksBaseball. It had a 14 percent swing-and-miss rate last year.
Couple that with McCullers' cunning curveball and there were instances of brilliance. Twice in the season's first two months, McCullers carried a perfect game into the sixth inning.
But another September shutdown raises concern about the 24-year-old's health. McCullers suffered what the team termed a right forearm strain in August against the Dodgers.
After suffering a few minor setbacks in his recovery from the August injury, McCullers was relegated to the Astros' postseason bullpen. He threw five innings between the ALDS and ALCS. His velocity appeared normal. As did the curveball which headlines his repertoire.
McCullers said after the ALCS he was "pitching through some things" and declined to elaborate specifically. Neither McCullers nor general manager Jeff Luhnow have acknowledged much since the season ended, prompting speculation McCullers may require more extensive offseason medical evaluation.
Best Moment: McCullers struck out a career-high 12 batters across seven stunning innings against the White Sox on July 6. He carried a no-hitter into the sixth inning, too.
McCullers became the second-youngest pitcher in Astros history to have an outing of 12 strikeouts with no walks, trailing only Larry Dierker.
Contract status: Arbitration eligible for a second season, under team control through 2021.
Oct. 25: Justin Verlander
Oct. 26: Gerrit Cole
Oct. 27: Charlie Morton
Oct. 28: Dallas Keuchel


text:
The Dubhlinn Gardens
Usually available for despatch within 2-3 working days
Despatch Information
This despatch estimate is based on information from both our own stock and the UK supplier's stock.
If ordering multiple items, we will aim to send everything together so the longest despatch estimate will apply to the complete order.
If you would rather receive certain items more quickly, please place them on a separate order.
If any unexpected delays occur, we will keep you informed of progress via email and not allow other items on the order to be held up.
If you would prefer to receive everything together regardless of any delay, please let us know via email.
Pre-orders will be despatched as close as possible to the release date.
Label: Alpha
Cat No: ALPHA447
Format: CD
Number of Discs: 1
Release Date: 22nd February 2019
ArtistsAnna Besson (flute)
Reinoud Van Mechelen (tenor)
A Nocte Temporis
ArtistsAnna Besson (flute)
Reinoud Van Mechelen (tenor)
A Nocte Temporis
2. The Red Jock
3. True Joak / White Joak / Blue Joak / Fancy's All
4. Ah! The Poor Shepherd's Mournful Fate
5. Jack Latine
6. Eileanóir a Rún (Sean-Nós)
7. Ellen a Roone
8. Ailen Aroon an Irish Ballad Sung by Mrs Clive at Ye Theater Royal
9. Teague, the Irish Trooper
10. Will Ye Go to Flanders
11. Killiecrankie
12. Mr Creagh's Irish Tune / The Hawk of Ballyshannon
13. Anna, a Particular Favourite Irish Song
14. Moggy Lawther
15. An Buachaillín Bán / Donald Og
16. Hunt the Squirrel / A Reell for Jannie / Up Wi't Ailey / D° for the German Flute / Chorus Jig
17. My Nanny O
Error on this page? Let us know here
Need more information on this product? Click here


text:
You've spent months feverishly working to lock and load your discount strategy for Black Friday. However, there is still time for last-minute tweaks to save your margins from any unnecessary damage. We breakdown the biggest Black Friday trends to come out of last year and layout what retailers should (and shouldn't) be marking down.
Right now, you should be making sure any items such as recent hot sellers (sheer puff sleeves, we're looking at you) aren't lined up for 60% reductions over Black Friday weekend, as well as monitoring the shifts your competitors are making.
The success of the first 2-day Amazon Prime event and the ever-growing environmental concerns associated with massive sales periods adds to the uncertainty surrounding the state of Black Friday.
Earlier in the year, we recapped Black Friday 2018 and unveiled all the data you'd need to help plan for this year. This week, we unpack the current market to see early indications of how 2019 should fare.
What data is telling us about the US Market
In October, there are 2% less products discounted for the first time compared to the same time in 2018. The market is still recovering from a discount-laden Q3 driven by mid-season sales and Amazon Prime offers, causing first reductions to spike 16% compared to Q3 2018.
Ready to make data your ally? Get in touch to see how EDITED's retail decision platform can help demystify one of the most significant sale events on the retail calendar.
For the key takeaways from Black Friday 2018, click here to download our analyst reports.
Additionally, new product arrivals have decreased by 14% over the past 6 weeks compared to the previous as retailers pull back on deliveries to make way for impending markdowns, which resulted in a 4% uptick in sell outs.
And the UK
Meanwhile in the UK mass market, which has been slower to join the Black Friday hype, there is 5% more products available now than last October, but new arrivals are flat YoY.
The UK is approaching Black Friday discounts with a lot more caution this year. The number of products receiving their first markdown in October is down 26% YoY. However, the amount of products experiencing sell out is down too, by 33% to be exact. This drop suggests the UK customer isn't as willing to purchase full price during this month, knowing the big savings are just around the corner.
Strategize to avoid returns
Analyzing your competitor's assortment breakdown can help reveal the categories with the potential for reduction over the holidays. In the US mass market, accessories make up 29% of items currently available online, and last year were responsible for 23% of discounts. Products without a wide size range (such as handbags, jewelry, scarves, gloves and hair accessories) that sit under this umbrella are ideal for reducing to minimize returns during the sale period.
With return rates estimated to cost ecommerce businesses $550 billion by 2020, retailers are pulling back on their categories with more complicated sizing as sales approach. Currently, there are 18% and 14% fewer footwear and bottoms products available compared to last year, respectively.
How much to reduce by?
So far in the US this October, the most popular first discount advertised is 20-30% off, representing 28% of discounted mens and womenswear products. This discounting bracket is on par with last October. However, the 40-50% and 50-60% range is stronger this year, making up 21% and 11% of first discounts (compared to 17% and 7% in 2018), respectively. Showcasing how retailers are discounting deeper, earlier.
Retailers are currently moving away from the smaller percentages, with the number of products in the 10-20% threshold halved compared to last year. Our advice is to pay attention to the products which don't need a huge price drop to sell through. According to EDITED data on Black Friday 2018, items with a discount under 30% had just as many sellouts as those between 40-60%, proving retailers don't need to destroy margins to shift stock.
Remember, Black Friday is an opportunity to clear older pieces ahead of the peak Christmas period and ring in the new year with a fresh assortment. We can already see rapid sell out (and not just for sneakers!), at full price on these products…
Avoid reducing
- Mustard yellow
- Hoodies
- Corduroy
- Checked trousers
- Velvet blazers
- Roll/turtle neck sweaters
- Textured knitwear
- Animal print
- Printed midi and modest dresses
- Oversized tees and hoodies
- Puff sleeves
- Cardigans
- Puffer jackets
- Leather
However, the list below shows items that have already been discounted by more than 20%, after arriving at retailers at the start of September.
Prime for reduction
- Chinos – The casual style made up 40% of reduced trousers in the US market alone.
- Oxford loafers – as workwear becomes relaxed, sneakers have become the footwear of choice in the office.
- Anoraks – It's time for outerwear to shine; however, the anorak has fallen out of favor, particularly in the UK market. Arrivals in this region have significantly dropped in favor of fleece or trucker jackets.
- Neon: in both regions combined, neon menswear arrivals declined 19% MoM as the cold weather kicked in.
- One-shoulder dresses – In Q3, arrivals in this silhouette dropped 64% in the US compared to Q2 as puff sleeves and square necks held court.
- Pencil skirts – Another traditional workwear style to think about phasing out. Midi and pleated styles are stronger trends.
- Cami tops – This style has seen a drop within the UK market in particular, where 70% of options are currently reduced.
- Bodycon/bandage dresses – Thanks to the new wave of feminism, wider silhouettes continue to trend on the runway and in retail, while the bodycon continues to decline.
- Sandals – Making up 30% of footwear styles reduced over 20% in the US market. Use this holiday as an opportunity to churn through old summer stock.
Early Black Friday communications
In 2018 we saw retailers promoting Black Friday earlier than ever. Customers were enticed with pre-Black Friday offers, or advertising a countdown to build hype for the event. Kohl's and Old Navy were the first retailers off the mark to start promoting with email communications at the end of October. This year, Yours Clothing and boohoo have already teased Black Friday "coming soon" deals, pushing customers to sign up for exclusive offers.
There's no replacement for hard data when you're tackling your trickiest discounting decisions. Get in touch here to learn how EDITED can help engage customers without sacrificing margins during peak sale periods.
For the key takeaways from Black Friday 2018, click here to download our analyst reports.


text:
Sunday 20 September 2020
25 August 2016
The International Accounting Standards Board (the Board) has announced the appointment of Mohammad Faiz Azmi as Chair and Martin Edelmann as Vice-Chair of the Islamic Finance Consultative Group.
Mohammad Faiz Azmi is the Executive Chairman of PwC Malaysia, and has previously served as the Chairman of the Malaysian Accounting Standards Board. He has been a member of the Islamic Finance Consultative Group since it was established. Martin Edelmann is a member of the International Accounting Standards Board.
The Islamic Finance Consultative Group, formerly the Consultative Group on Shariah-Compliant Instruments and Transactions, is an advisory group to the Board focussing on challenges that may arise when IFRS Standards are applied to Islamic financial instruments and transactions.
The group was established in 2013, following the Board's first Agenda Consultation on which topics to include in its technical work plan. It has met three times and in February 2016 a paper on the group's discussions to date was published, focussing on the application of the classification and measurement requirements of the new financial instruments Standard, IFRS 9.
The current members of the Islamic Finance Consultative Group are:
© IFRS Foundation.


text:
Are you a photography student with a desire to look at social and impactful photography? Do you long to travel and see the world through a lens, taking in new sights, exploring new themes and capturing it all for your portfolio?
For many years we have been supporting photographers visit Africa and India to work with children, inspiring creative ideas in young people affected by HIV/AIDS.
Vocational Impact is a supporter of global international development projects and has been working with hundreds of university students for over a decade to link tailored student research, career enhancement and work experience opportunities with NGOs in Africa and India.
Dan Dugmore; a professional photographer travelled to our partner NGO with an ambitious brief to capture the heart of Rajasthan on camera.
Make your creative dreams come alive with our photography placements and travel opportunities in Africa and India.
Follow in the footsteps of creative individuals, visionaries and artists and discover the most magical and creative country in the world.


text:
Millions of Americans suffer from the symptoms of thyroid dysfunction without ever knowing it.
In fact, it is estimated that more than 30 million women and 15 million men have an underactive thyroid or hypothyroidism.
Our endocrine system is made up of the glands that produce the hormones that circulate in our bodies that are responsible for growth, repair, metabolism, energy and reproduction.
The thyroid is one of these glands that when underactive can affect our health systemically in a negative way.
What are some of the less conspicuous symptoms of a low thyroid?
- Feeling blue or unmotivated.
- Constipation.
- Difficulty sleeping.
- Overweight and having trouble shedding pounds.
- Low body temperature, joint aches, edema, light sensitivity.
How can you find out if you have hypothyroidism? Ask your Doctor to run the following blood tests:
- Free T3
- Reverse T3
- The thyroid antibodies TPO (Thyroid Peroxidase Antibody) and ATA (Anti Thyroglobulin Antibody) to rule out Hashimoto's Thyroiditis
- Celiac comprehensive panel to rule out concomitant celiac disease
How can my diet help me get started in repairing my underactive thyroid?
- Completely remove gluten from your diet.
- Eat foods with thyroid friendly vitamins and minerals such as Vitamin D, iron, selenium and zinc.
- Avoid foods that inhibit thyroid health such as raw cruciferous vegetables, soy, sugar and caffeine.
You may require medication to supplement your underactive thyroid in the form of T4 (levothyroxine), T3 (cytomel) or a combination of T3 and T4 (Armour thyroid).
The bottom line is ask your Doctor to routinely screen you for your thyroid function to prevent you from suffering from this very easily diagnosed and treatable problem of hypothyroidism.


text:
Ray Liotta. What popped in your mind when you read his name? Something Wild, Goodfellas, Grand Theft Auto: Vice City? Is that voice of his flowing through your head? Could you imagine him vocalizing a Bat-growl, as it's often called? It almost, kind of, happened. Towards the end of the '80s when the Batman film project was getting underway, Tim Burton made a call to Liotta's agent. The actor, thinking it was silly, didn't go meet with Burton and still regrets his choice.
In an interview with LA Times, the Shades of Blue actor discussed his biggest regret and explained his reasoning at the time.
"The first movie I did was the movie Something Wild, right around that time they were thinking of doing Batman and Tim Burton was the director of it, and I got a call from my agent that Tim Burton wanted to meet me for the role of Batman. And at that time, this was 1986 or 1987, it was really the first comic book movie that I know of that was coming out and I always regret — 'cause I think Tim Burton is a just great, great director, and I've always regretted not going and meeting him. Just to meet him, just to talk… I couldn't understand to play Batman, that seemed silly."
Coming off the campiness left behind by the Adam West acted Batman TV series, "silly" is an understandable response, especially for an actor who was just beginning to make a splash in the industry. Had he gone through with the meeting and been cast, his Batman would have stood a bit taller than Keaton's, and fans can only dream of what his Bat would have sounded and moved like.
While we will never see him don the cape and the cowl, we can hope he one day makes an appearance in a superhero film. For now, though, we'll have to place Liotta's regret in the corner with the other Batman things that could've been.
Images From GoodFellas Courtesy of Warner Bros.


text:
Bird And Trumpet Salt And Pepper Shaker
Sold Out
Product Details
Maple and Walnut salt and pepper shakers designed by Karim Eharruyen are the perfect gift or treat for yourself
The heads remove to allow for the salt and pepper to be shaken and can be replaced in a number of positions or variations to alter the look of the set.
Not only do this design lead set look the part with a fantastic grain in the wood but replacing the wooden heads stops the salt from both drying and becoming wet making it very easy to season your food.
Perfect in a scandi inspired kitchen or as a wedding gift for the discerning couple as they come presented in a square box making for easy wrapping.
The wood is uber tactile and these birds make our customers in the shop smile
Material : Maple and Walnut Wood
Care : Wipe clean with a soft or slightly wet cloth
Duck: H 8.5 Cms W 8Cms
Trumpet: H 12.5 Cms W 5 Cms


text:
- Healtharena Dermacoll Powdered Collagen Drink with Hyaluronic Acid 156g
Dermacoll High Strength Collagen Drink – For Firmer Smoother Skin. Dermacoll counteracts skin ageing in the deep layers of the skin by increasing elasticity, reducing wrinkle depth and hydrating and moisturising the skin. Dermacoll contains a unique blend of ingredients, including 5000 mg of Verisol Hydrolysed Collagen, 25 mg Hyaluronic Acid, plus vitamin C and green tea. This is a pleasant tasting easy to mix powder drink, which is taken in the evening. Healtharena is the first company in the UK to use Verisol collagen, with its low molecular weight of 2000 Daltons making it highly bioavailable, with over 95% absorption.


text:
FAT Brands Acquires Yalla Mediterranean
Rapidly Growing West Coast Franchisor Expands with Acquisition of Authentic Mediterranean Cuisine Chain
FAT (Fresh. Authentic. Tasty.) Brands Inc. (NASDAQ: FAT) ("FAT Brands" or the "Company") completed the acquisition of Yalla Mediterranean, a Los Angeles-based chain specializing in authentic, healthful Mediterranean cuisine and environmentally-friendly operations. With the acquisition of Yalla Mediterranean, FAT Brands franchises more than 300 restaurants worldwide and has over 300 additional restaurants under development in 32 countries, with annual system-wide sales greater than $300 million.
Founded in 2014, Yalla Mediterranean serves authentic cuisine prepared fresh daily with farm-friendly, GMO-free local ingredients from a menu that includes vegetarian, vegan, gluten-free and dairy-free options to accommodate customers with a wide variety of dining needs and preferences ...
To Read Full Story Login Below.
Submit comment or question
Note: All comments are displayed with user's screen name. If screen name is not present, user's full name will be used. Please go to My Account to update your screen name.
Comment Policy: Urner Barry has made the comment feature available to encourage further discussion of our news stories. Defamatory or offensive comments, or comments deemed not relevant to the story will be removed, and if necessary, Urner Barry may restrict the right of individual subscribers to offer comments. In all cases, comments represent opinions of the poster only, and do not represent fact, news, opinions or estimates put forward by Urner Barry.
Email Address is required.
Password is required.


text:
Assistant/Associate Professor
The School of Criminal Justice at the University of Cincinnati is seeking applications for an Assistant/Associate Professor (Tenure-Track), with the appointment starting August 15, 2020, although the start date is negotiable. The School offers specializations in the areas of crime prevention, policing, corrections, criminal justice, and criminology.
Essential Function: An Assistant or Associate Professor at the University of Cincinnati is expected to teach, conduct research, scholarly and other professional or creative activities. This position will support the University of Cincinnati's mission and commitment to excellence and diversity in our students, faculty, staff, and all of our activities.
Minimum Qualifications: Must have obtained a Doctorate or terminal degree from a regionally accredited college or university of recognized standing in Criminal Justice or a related discipline in the social or behavioral sciences, by the time of appointment.
Ideal Qualifications: Areas of specialization are open but preference will be given to applicants with teaching and research interests in crime prevention and criminology. Applicants must have a strong record of scholarship or provide evidence of the potential to develop a strong research program.
Other Information:
- The University of Cincinnati is a Research I Institution that grants doctorates in 98 areas. The School of Criminal Justice grants the BS, MS, and PhD degrees. The School also houses the Criminal Justice Research Center and the Institutes for Crime Science and Corrections.
- Further information about the University and the School is available at http://www.cech.uc.edu/criminaljustice/. The City of Cincinnati offers a range of multi-cultural activities and amenities in addition to attractive and affordable housing.
- Review of applications will begin immediately and will continue until the position is filled. The position is contingent on available funding.
- Interested persons must apply online at jobs.uc.edu. All required documents must be attached to your online application (Resume/CV, Cover Letter and List of References).
Questions regarding the search may be directed to:
Michael L. Benson, Ph.D.
Search Committee Chair
School of Criminal Justice
University of Cincinnati
P.O. Box 210389
Cincinnati, OH 45221-0389
The University of Cincinnati, as a multi-national and culturally diverse university, is committed to providing an inclusive, equitable and diverse place of learning and employment. As part of a complete job application you will be asked to include a Contribution to Diversity and Inclusion statement.
As a UC employee, and an employee of an Ohio public institution, if hired you will not contribute to the federal Social Security system, other than contributions to Medicare. Instead, UC employees have the option to contribute to a state retirement plan (OPERS, STRS) or an alternative retirement plan (ARP).
The University of Cincinnati is an Affirmative Action / Equal Opportunity Employer / M / F / Veteran / Disabled.
Apply at jobs.uc.edu; requisition ID 38884.
More search results
Tenured: Professor and Department Head
Texas A&M School of Public Health
Tenured: Professor and Department Head, Epidemiol…
Texas A&M School of Public Health
Vice President for Student Affairs
Simmons University
Pontarelli Professorship in Environmental Sustain…
Syracuse University
Dean, College of Health
Ball State University


text:
FINRA Publishes New Cybersecurity Report
FINRA recently published its Report on Selected Cybersecurity Practices – 2018, a detailed review of effective information-security controls at securities firms. The report represents the newest initiative in FINRA's ongoing effort to help broker-dealers – including small firms – further develop their cybersecurity programs.
Back in 2015, FINRA released its Report on Cybersecurity Practices that drew in large part from the results of a targeted examination ("sweep") of firms. While the 2018 report covers a lot of the same overarching principles, it also adds greater depth and detail. For example, the section on branch controls lists more than three dozen specific, effective practices across written supervisory procedures, asset inventories, technical controls and branch review programs. It also includes an appendix covering core cybersecurity controls for small firms, which, in addition to the "Small Firm Cybersecurity Checklist," can help smaller businesses identify possible cybersecurity controls.
The report covers the following five areas of cybersecurity best practices:
Branch Locations
FINRA has observed that some firms face challenges maintaining effective cybersecurity controls at their branch locations. Branches' autonomy from the home office may adversely affect firms' ability to implement a consistent firm-wide cybersecurity program. Some firms may experience increased challenges if their branches may, for example, purchase their own assets, use non-approved vendors or not follow their firms' software patching and upgrade protocols.
FINRA has observed firms implementing the following effective practices:
1.) Establishing Written Supervisory Procedures (WSPs) to define minimum cybersecurity controls for branches and formalize oversight of branch offices;
2.) Developing an inventory of branch-level data, software and hardware assets;
3.) Maintaining branch technical controls; and
4.) Implementing a robust branch cybersecurity examination program.
Phishing Attacks
Social engineering or "phishing" attacks are one of the most common cybersecurity threats firms have discussed with FINRA. Phishing attacks may take a variety of forms, but all of them try to convince the recipient to provide information or take an action.
Phishing is a serious threat to firms and their customers. Victims of phishing attacks may release customer, firm, or personal information to cyber criminals; engage in unauthorized wire transfers or payments; or introduce viruses, malware, ransomware, or crimeware that destroys, shuts down, takes over or infects firm systems. Although most firms are aware of the risks posed by phishing attacks, many firms could do much more to strengthen their controls to mitigate this threat.
FINRA has observed firms implementing the following effective practices:
1.) Creating policies and procedures to specifically address phishing
2.) Including phishing scenarios in the firm-level risk assessment process;
3.) Establishing confirmation policies and procedures for transaction requests over a reasonable threshold to reduce the likelihood of successful spear phishing or whaling attacks;
4.) Implementing email scanning and filtering to monitor and block phishing and spam communication;
5.) Regularly training employees on phishing and related firm policies and procedures;
6.) Conducting regular simulated phishing email campaigns to evaluate employee understanding and compliance with the firm's policies and procedures;
7.) Developing remedial training and imposing appropriate consequences for employees who repeatedly violate the firm's phishing standards;
8.) And more!
Insider Threats
Insider threats remains a critical cybersecurity risk because an insider typically circumvents many firm controls and may cause material data breaches of sensitive customer and firm data. Whether due to malicious behavior—such as a bad actor who plans to sell customer account data on the dark web—or inadvertent error—such as a registered representative who loses his or her laptop or other storage media with unencrypted customer PII—insiders are in a unique position to cause significant harm to an organization.
FINRA has observed that effective insider threat programs typically integrate the following components into an overarching, risk-based insider threat program:
1.) Executive leadership and management support;
2.) Identity and access management policy and technical controls, including heightened controls, for individuals with privileged access;
3.) Technical controls including security information and event management (SIEM) and data loss prevention (DLP) tools, as appropriate for the scale and technological sophistication of the firm;
4.) Training for all insiders; and
5.) Measures to identify potentially abnormal user behavior in the firm's network.
Penetration Testing
Penetration testing (or a pen test) is an important element in many firms' cybersecurity programs. A pen test simulates an attack on a firm's internally or externally-facing computer network to determine the degree to which malicious actors may be able to exploit vulnerabilities in the network and evaluate the effectiveness of the firm's protective measures.
For example, one particular type of pen test focuses on a firm's web application to evaluate its security design and associated databases (e.g., a firm's public website where employees, representatives or customers log in to access account and position data, including PII or other confidential information). The pen test process requires an active analysis of a firm's network, applications or other targets for any weaknesses, technical flaws, gaps or vulnerabilities. Such testing often involves both automated scanning tools and manual techniques and may include social engineering.
FINRA has observed firms implementing the following effective practices:
1.) Adopting a risk-based approach to penetration testing;
2.) Thoroughly vetting their testing providers;
3.) Establishing contractual provisions that carefully prescribe vendor responsibilities;
4.) Rigorously managing and responding pen test results; and
5.) Periodically rotating testing providers to benefit from a range of skills and expertise.
Mobile Devices
The widespread and expanding use of mobile devices creates new opportunities for attacks on sensitive customer and firm data. Employees, customers, consultants and contractors may regularly use smartphones, tablets, laptops and other devices for a variety of activities, including communication, trading, receiving investment alerts, money transfers and account monitoring.
As the industry becomes more reliant on mobile devices, risks associated with this technology continue to increase. Firm and personal mobile devices are exposed to risks including, but not limited to, malicious advertisements and spam communication; infected, cloned or pirated mobile applications; vulnerabilities in mobile operating systems; and phishing, spoofing or rerouting of calls, emails and text messages.
FINRA has observed firms implementing the following effective practices for their employees, consultants and contractors:
1.) Developing policies and procedures addressing employee obligations to protect customer and firm information and "bring your own device" standards for the use of personal devices for firm business;
2.) Prohibiting the use of personal devices for firm business unless the devices have been approved by the firm, and the employee has signed an attestation agreeing to comply with the firm's policies and procedures;
3.) Including reviews of mobile device security controls in branch office audits and inspections, including for remote employees and branch office staff;
4.) Ensuring that firm compliance and technology support staff have sufficient expertise in mobile cybersecurity issues;
5.) Providing regular training to all firm employees, consultants and contractors on firm mobile device requirements and effective practices to protect mobile devices;
6.) Maintaining an inventory of all personal and firm devices used to access firm systems and data;
7.) Requiring all personal devices to maintain a separate, secure, encrypted mobile device management (MDM) application for all firm activities;
8.) And more!


text:
Kitchen Supplies & Gear: Recipes by Tools
Get the most out of your kitchen gear and cooking supplies by knowing what they do and how to take care of them.
Holiday Shortbread Cookies
This special Christmas treat came to me from Scotland through a relative. I compared this recipe with one a friend makes, since her husband is of Scottish descent, and found this shortbread to be quite authentic. —Erma Hiltpold, Kerrville, Texas


text:
@article {156088, title = {Infant, control thyself: Infants{\textquoteright} integration of multiple social cues to regulate their imitative behavior}, journal = {Cognitive Development}, volume = {32}, year = {2014}, month = {10/2014}, pages = {46-57}, abstract = {
This study investigated 15-month-old infants\' (N = 150) ability toself-regulate based on observing a social interaction between twoadults. Infants were bystanders to a social exchange in whichan Experimenter performed actions on objects and an Emoterexpressed anger, as if they were forbidden acts. Next, the Emoterbecame neutral and her visual access to the infant was experimen-tally manipulated. The Emoter either: (a) left the room, (b) turnedher back, (c) faced the infant but looked down at a magazine, or (d)faced and looked toward the infant. Infants were then presentedwith the test objects. When the previously angry Emoter was fac-ing them, infants were hesitant to imitate the demonstrated actsin comparison to the other conditions. We hypothesize that infantsintegrated the emotional and visual-perceptual cues to determinewhether the Emoter would get angry at them, and then regulatedtheir behavior accordingly. Temperament was related to infants\'self-regulation \– infants with higher impulsivity scores were morelikely to perform the forbidden acts. Taken together, these findingsprovide insight into the roots of executive functions in late infancy.}, url = {http://www.sciencedirect.com/science/article/pii/S0885201414000513}, author = {Repacholi, B.M. and Meltzoff, A.N. and Rowe, H. and Toub, T.S.} }


text:
There's a storm in Adventure Bay and Ryder and the pups help find the farm animals shelter for the night, in this clip from the series PAW Patrol.
Nickelodeon uses cookies.Cookies help us understand how you interact with our site, improve your browsing experience, and serve advertising to you. For more information about how we use cookies and what your choices are, click here. Otherwise, you can click "X" to close this banner. Thanks for checking us out and happy browsing!


text:
Listings in Retail Florists near Pennsylvania
greenSinner floral & garden (197.29 mi)
in Flower Farmers, Retail Florists, Weddings & Events
greenSinner brings you local, sustainable cut flowers and plants. We grow flowers right here in western PA and source as many materials as we can locally. We use vintage or re-purposed containers and event decor and focus on sustainable practices.
5232 Butler Street
Pittsburgh, Pennsylvania 15201
United States
Review this


text:
If you are a millennial in this economy, you are probably not saving to buy a house anytime soon as recent studies show a stark decline in home ownership among adults ages 25 to 34. Although many individuals such as yourself know of the benefits associated with being a property owner you, along with a host of others in your generation, choose to rent from a landlord instead. While you may not be making plans to call a home your own in the near future, there are a number of reasons why you should consider investing in real property sooner rather than later.
Reason #1: FHA regulations are not stringent
The average borrower going the way of traditional banks for home loans is only approved when he has at least a 700 credit score and twenty percent of the asking price as down payment. Such requirements are in addition to providing years of work experience and good rental history. The Federal Housing Authority (FHA), however, grants borrowers loans with a minimum 620 credit score and three percent down payment. Granted that you have to be a first time home buyer to receive such deal, but that's not a problem for a millennial such as yourself.
Reason #2: It's cheaper to own
Even with the water and trash bills coming out of the budget, you still pay less when you own. Studies show that millennials pay more in rent than those older adults who pay monthly mortgages. In addition, living with a steady monthly payment provides more relief than constantly being in fear of the landlord raising the rent. How's that for stability?
Reason #3: Other financial perks are associated with ownership
Tax breaks are great for first time home buyers during tax season, which is definitely something that will make you smile. Even repairs, such as solar power upgrades, can be counted in your favor when filing. Owning a home also comes in handy when you are in a financial bind. Refinancing is the best way to get a large sum of money quickly when hard times or emergencies arise. The funds accrue every month that you pay your mortgage on time, which means that your diligence literally pays off.
Caymus Realty Solutions is your one-stop real estate site for buying and selling homes. We pay cash for homes and sell property at fair market price. Call us to learn more about our process.


text:
Man On The Moon
Welcome to my personal ad, I'll try to entertain you as well as provide enough information about myself that you might make an educated decision so as to see if we might be a good fit. My name is Cory and I work as a contract web developer. Since I spend a lot of time at home, I prefer to meet someone that has a job where they are gone frequently. It's just become my opinion that spending too much time together wears thin on any relationship so that is my preference. I'd like to meet a lady that has her shit together, no drugs or excessive drinking. I like intelligence. Hmmm, what else? Well, a few years ago I took a fall when I was uninstalling the Dish on my roof and sustained a pretty significant injury. My back developed a scaly infection due to the pus filled orb that kind of hung from the center and attached somewhere between my shoulder blades and where my ass meets my lower back. It was the first case where doctor's saw an actual exoskeleton that had developed on a human being. It's not a big deal, I just have to have a bag strapped to my leg that needs to be filled with preservation fluid every six hours and have a metal viewing device strapped to my face that looks like an optometrist diagnostic machine. Other than that I'm totally mobile and ready to party! I'm an open book so let me know if you have any questions.
Your comment will be posted after it is approved.
Leave a Reply.
September 2020


text:
How may we help you?
Frequently Asked Questions
Other users may have asked the same question and chances are, we've posted the answer here!
New Customer & Moving
- How can I open an account with CPL?
- How do I switch my electricity to CPL?
- How do I change the name on my account?
- How can I transfer my electricity service to a new address?
Contract & General
- What if I need more time to pay my bill? What payment options are available?
- I'm on a variable price plan. How much will my bill change each month?
- My lights were turned off! How can I get them turned back on?
CPL Prepaid
- What is CPL Prepaid?
- Where is CPL Prepaid currently offered?
Billing & Payment
- How can I find my account balance?
Still Need Help?
In case of power outage or gas leak, please contact your local utility.
Residential Energy
Sign Up
All Products
Customer Service
All Products
Monday-Friday: 7:00 a.m.- 7:00 p.m. CT
Saturday: 7:00 a.m.-4:00 p.m. CT
Move Your Service
All Products
Postal Service
CPL Retail Energy
PO Box 180
Tulsa, OK 74101-0180
Pay by Mail:
CPL Retail Energy
PO Box 180
Tulsa, OK 74101-0180
Power Outage & Emergency
Small Business Energy
Sign Up
(Mon - Fri: 8:30am-5:30pm EST)
Large Business Energy
Request a Quote
(Mon - Fri: 8:00am-5:00pm EST)


text:
Contact Chad
Contact Information
Our Company
Contact Chad Arnold
© Indy Mortgage Team, a division of GVC Mortgage, Inc. All rights reserved. NMLS# 2334. 4770 S Emerson Ave Ste G, Indianapolis, IN 46203. This is not a commitment to lend. Borrowers must qualify. Program guidelines are subject to change without notice. Loans not available in all states. Indy Mortgage Team is not acting on behalf of HUD, FHA, or any other federal or state government agencies. Call 317.353.3677 for details.
About Chad Arnold
Mortgage Expert with 20-years of experience, 9 years of running my own mortgage office -The Indy Mortgage Team. Since 1997, I've overseen the generation of over $1 Billion in funded loans for home mortgages. Because of my experience, I'm extremely good at analyzing files and helping people other mortgage companies turn down to find new homes. I also assist future buyers, whose credit is not quite where it needs to be, by helping them understand how credit works, and what they need to do improve their scores to qualify for home ownership.
What people are saying about Review(s) for Chad Arnold
Sort by Feature
Sort by Date