text:
Modern Throws and Bedspreads Design
22 inch decorative pillows • plum pillow covers 20x20
It will not have pores and immune to throw pillow covers 22×22 this heating system. But it is included into high throw pillow covers 22×22 priced throws counter tops. It's classy throw pillow covers 22×22 throws countertop, however has costly cost and the stain is tricky to clean. It's cheap throws countertop, but it is perhaps not resistant to this scratch and also the bump. It has natural appearance and easy to be sanded, which means you're able to renovate it readily. However, it is perhaps not resistant to the drinking water, therefore it'll be easy to hurt. All these are several tips for you concerning different sorts of throws countertop. Have you decided the optimal/optimally sort of throws counter you want to purchase? You may use the information above as your own recommendation. Hopefully this informative article around Set of throw pillows 22×22 pillow covers gray red and over will likely be great for you personally.
Apart from the security red decorative pillows material for the throws established will be the future issue. You want to respond to your requirements that red decorative pillows you just choose safety material. So, you red decorative pillows can easily set your young ones on it due of its material. Nowadays you need to also know some deals set about the product corporation's web site. You will find a number of a variety of costs you can see. Last but not least, these are all some tips for you to obtain Set of throw pillows 22×22 pillow covers gray red and.
Set of throw pillows 22×22 pillow covers gray yellow decorative throw pillows red and is the most preffered style for a men and women. It is because u-shaped kithen style stipulates a stylish and operational throws area. This layout also supplies effective neighborhood for cleaning and cooking. For a traditional appearance in your u-shaped throws, wood points may immediately take it on to a throws. You're able to have wooden flooring or black timber cabinets. Incorporate it with an skillet and granite counters as a way to avoid rigid conventional syle. Also, u-shaped throws design brings a welcoming atmosphere for collecting.
For you who likes your throws appears hot yet modern day, you might possess Set of throw pillows pillow covers 22 22×22 pillow covers gray red and. They're a perfect idea for you personally since tile throws counter-tops are more timeless nonetheless magical. Below are some informations about tile throws counter-tops for those who need some considerations concerning these. Stone tiles could be created from granite or marble. They are great for throws countertops with 1 2 inch x 12 in. square dimensions.
Ceramic tiles is non-toxic material. So that they are easily to clean and resistant to stains.
Beyond its own be the storage, you can use open 22 x 22 pillow covers up shelving to décor your own throws. Maybe not painting the storage, but but you can also place an assortment of vibrant throws stuffs, stools, or even dishes. Contrasting the white background, those hues will pop up beautifully to offer more energetic sensation. That's the reason most homeowners love to-use Set of throw pillows 22×22 pillow covers gray red and. However, do not simply focusing on decoration you must keep its own function. Keep any stuff that you mostly need during cooking reachable. Put the material that mostly taken in the decrease shelf row so that you can make it even easier.


text:
Great place for deep dive in yoga practice with experienced teachers, finding like-minded friends and learning indian culture. In the end of course you will have knowledge about asana alignment, secrets of pranayama, yoga philosophy and metodology of teaching yoga. Big plus for russian speaking yogis, all classes have simultaneous translations through headphones. I highly recommend this place!
Saul Peixoto about Extended Level I Yoga Teacher Training Course with Certification (240 hours) #25 in March and April 2016 (2016-10-24 01:38)
My experience with Himalayan Yoga Academy definitely changed me.
The 12 teachers from different nationalities, ages and backgrounds, following different Yoga perspectives helped me to open my horizon and change my own interpretation of Yoga.
All the classes were interesting and covered a lot of subjects, focused in giving you the basic tools to start teaching yoga. You learn about asana alignment, body anatomy, philosophy, pranayama, teaching methodology, meditation, yoganidra, shatkarmas, etc.
Classes are intense, start at 6AM and finish at 6/7PM with breaks for meals. You'll probably sweat and feel pain in muscles you didn't knew you had, gaining strength through the course, flexibility and a better understanding of your body mechanics. You can still manage to get to know the mystical Rishikesh, her temples and shrines, food and clothing tents, see the sunset in a beautiful Ganges beach, drink some awesome fruit juices, meet interesting people from all over the world and get back to the ashram before the gate close at 10PM.
Teaching classes to your colleagues is part of the program and was my biggest challenge. Got my tongue-tied a lot of times, mixed words, but after 5 weeks I realize a big evolution and understood better that teaching Yoga is a never-stop-learning life. Made some good friends that I'm sure they will be forever.
The Ashram is a typical Indian building with a big dome and an awesome view over Tapovan. The shared rooms had bathroom and having a toilet was a good surprise. The food was good and from different countries, the staff very friendly but sometimes I ate out of the Ashram to eat some eggs, cheese and try different local things.
I feel very grateful for having the opportunity to learn in the holy city of Rishikesh bathed by the Ganges in a traditional Yoga Ashram. The HYA teachers, my colleagues and the rest of the crew made the difference.
I recommend it to any friend or anyone who is already a practitioner, wants to deepen his knowledge and gain teaching skills.
Hari OM
Be a good yogi, share this page!
Yoga gallery
More testimonials
The program was very detailed and well planned/organized. There was a strong emphasis on safety for students as well as teachers. Creativity and finding your own teaching style was also welcomed and encouraged. The variety of classes kept things exciting as well as helping to foster a diverse learning program. The staff was WONDERFUL and truly contributed to my great experience!
I had the best time during the teacher training course, the stuff made sure we will get the best teachers in Rishikesh, with a variety of different styles, (which is important as a future teacher to get exposed to).
The course is super professional, I arrived to this course after practicing yoga for 10 years and I've learned a lot about anatomy, alinement, how to instruct a class (you get to instruct few times and it is very helpful and important), learning yoga philosophy, cleansing, pranayama, meditation and visiting temples - I had a great experience.
If you are looking for a yoga TTC that is professional with dignity Himalayan Yoga Academy is the place to go to.
This is one exceptional yoga teacher training program that's built around professional approach to education, honesty and faith in yoga. It's probably the best yoga training school in India and far abroad.
Himalayan Yoga Academy truly is a great space for learning. The course is filled with exceptional teachers, and a really interesting and intense program of education. I deeply enjoyed my 5 week stay at Himalayan Yoga Academy. My Yoga Teacher Training course was an unforgettable experience in colourful India.

subset: commoncrawl


text:
Gorgeous wet anime pussies fucked by hard monster cocks. Beauties Monster Cocks.
Share with friends
Related materials
0 2480
En este comic ella se encuentra muy cachonda y para complacerla tiene a su compatriota el Raikage, la madura tiene un cuerpo […].
0 1973
Will include a scarf Beautiful young girls friends embracing, with perfect body and should focus on technical concepts of solid waste management technologies.
0 3893
Well C.
0 1373
I love Harley and this slut is a pro.
0 1248
Humiliation is his favorite card, so that big pervert use mechanic tentacles to rape his victim.
0 2267
This Link May be Unsafe.
0 2949
Exactly what I was thinking….
0 1072
H Hairy Handjob Homemade.
0 3900
Dead or Alive 5 1.
0 3494
Prepare yourself for a excited trip throughout the universe of sex comic.
0 4754
We have every kind of Pics that it is possible to find on the internet right here.
0 3628


text:
Casino 2000 has announced a "Crooner's Night" with saxophonist Frédéric Traina, taking place on 31 March 2019 at its Purple Lounge from 19:30.
Frédéric Traina has eight years of complete jazz training to his name thanks to his studies at the Thionville music conservatory with Bernard Dellanave and Maria Tejada (vocal Jazz). In 2010, he joined the conservatory of Metz with Damien Prud'Homme where he graduated in jazz(C.E.M.) in 2014.
Now, Luxembourg audiences can enjoy Traina's talent and listen to the sounds of the saxophone during a relaxing evening at the Purple Lounge, Casino 2000.
Doors open at 19:00 for a 19:30 start.
Tickets cost €7 online at https://casino2000.lu/fr/events/crooners-night-7-3-2/?utm_source=Master+List+RGPD&utm_campaign=ff9ae9169f-EMAIL_CAMPAIGN_2018_10_12_10_22_COPY_01&utm_medium=email&utm_term=0_ef2d3e63b7-ff9ae9169f-13388689.
Access is exclusively reserved for adults with a valid ID.


text:
ArtFest Midwest
June 27 + 28, 2020
Hy-Vee Hall at Iowa Events Center
Des Moines
Saturday 10AM - 6PM
Sunday 10AM - 5PM
Free Admission
Explore ArtFest Midwest, an annual juried fine art event and Iowa's largest fine arts show
Held the same weekend as the downtown art show, ArtFest Midwest features Iowa and regional artists. Over 250 artists participate during the festival, varying in mediums and styles. ArtFest Midwest is an alternative, affordable art show — a complement to the downtown show. ArtFest Midwest reflects quality similar to that found at the original "Art in the Park" show held several years ago at the Des Moines Art Center (then moved to the Fairgrounds). Patrons with be exposed to the artwork of local and regional artists, as well as selected artists from across the country.
Artists participate from all over the country
Kids activities the whole family can enjoy
Check out how
the artists make their work
Volunteers are the backbone of ArtFest Midwest. Click here to learn how you can be a part of the team that makes AFMW such a success.


text:
[1 minute reading time]
A fresh emphasis on connecting partners with products in a heavily componentised pattern library to play nicely with Beaver Builder in WordPress.
Colt provides communications services to information intensive businesses across Europe, Asia and North America.
The Challenge
Colt's Wordpress site needed a new Information Architecture and a re-skin to bring it up-to-date and iron ouy usability and user experience problems. The delivered design patterns created need to work seemlessly with Beaver Builder, their landing page creation tool of choice.
Part of the design challenge was to create a more visual experience, in a way that was light weight and easy to achieve using Wordpress and stock imagery. This had to be achieved without diluting the main teal/black/grey brand colours, introducing secondary brighter
colours without becoming overtly colourful.
Another major challenge was the product selection and details pages. This was wire-framed extensively to ensure the categories were reduced and clear, and that Live Chat and help was available as prominently as the product data on the details page. This included a desire for more prominent
video content.
Design Work
- Initial stakeholder research and user journey mapping
- Design of graphical user journey maps (example below)
- Creation of an HTML wire-frame to demonstrate IA and UX
- Design mockups to illustrate design direction
- Navigable responsive design prototype of key site pages, designed in HTML/CSS/
- Home Page -
- Product Landing -
- Product Description -
- Case Study -
- German home page -


text:
At the foot of the Acropolis at Athens there stand a few beautiful Corinthian pillars. These are all that remain of the once-famous Temple of Olympian Zeus. The Athenians regard these pillars with the utmost veneration, and everything has been done to preserve them. To thei … More
This latter part of this chapter is a repetition of the former; the dream is doubled, for the thing is certain and to be very carefully regarded (vv. 14-23). God brings His people into danger and distress that he may have the honor of bringing about their deliverance, and suffers the enemies of his church to prevail awhile, though they profane his name by their sin, that he may have the honor of prevailing at last and sanctifying his own name in their ruin. In the destruction of sinners God makes it to appear that he is a great and holy God, and he will do so to eternity.Sherba and Dedan (v. 13), great trading centers in Arabia seem to be saying to Gog, "Who are you to usurp our position as the world's trade leaders?" These two would then join this confederacy. Tarshish was the leading trade center in the west at that time; many believe it was in Spain. God will directly intervene in the defense of Israel, unleashing severe natural disasters on the invaders from the north (vv. 17-23). The greatest military power in the world will not be able to stand when God lets loose His fury by causing mountains, valleys, and buildings to be leveled. Added to this will be floods, fire and brimstone through volcanic eruptions, and even confusion in the troops taking each other's lives, perhaps as an escape from the holocaust of elements. Thus, God will be magnified, because it will be recognized that the Lord has done this. All those who set themselves against God will be destroyed. He says, I will do these things to show the world that I, the Lord am holy (v. 23).
I want to be sure that sin is not tunneling under my Christian life, as ants did to the Corinthian pillars.
Sheba and Dedan and the merchants of Tarshish and all its leaders will say to you, 'Have you come to seize spoil? Have you assembled your hosts to carry off plunder, to carry away silver and gold, to take away livestock and goods, to seize great spoil?' "Therefore, son of man, prophesy, and say to Gog, Thus says the Lord GOD: On that day when my people Israel are dwelling securely, will you not know it? You will come from your place out of the uttermost parts of the north, you and many peoples with you, all of them riding on horses, a great host, a mighty army. You will come up against my people Israel, like a cloud covering the land. In the latter days I will bring you against my land, that the nations may know me, when through you, O Gog, I vindicate my holiness before their eyes. "Thus says the Lord GOD: Are you he of whom I spoke in former days by my servants the prophets of Israel, who in those days prophesied for years that I would bring you against them? But on that day, the day that Gog shall come against the land of Israel, declares the Lord GOD, my wrath will be roused in my anger. For in my jealousy and in my blazing wrath I declare, On that day there shall be a great earthquake in the land of Israel. The fish of the sea and the birds of the heavens and the beasts of the field and all creeping things that creep on the ground, and all the people who are on the face of the earth, shall quake at my presence. And the mountains shall be thrown down, and the cliffs shall fall, and every wall shall tumble to the ground. I will summon a sword against Gog on all my mountains, declares the Lord GOD. Every man's sword will be against his brother. With pestilence and bloodshed I will enter into judgment with him, and I will rain upon him and his hordes and the many peoples who are with him torrential rains and hailstones, fire and sulfur. So I will show my greatness and my holiness and make myself known in the eyes of many nations. Then they will know that I am the LORD."
Ezekiel 35:1-15
Judgment on Mount Seir
Ezekiel 36:1-15
Blessing on Israel
Ezekiel 36:16-25
The Renewal of Israel
Ezekiel 36:26-38
Putting the Spirit Within You
Ezekiel 37:1-14
Making the Dry Bones Live
Ezekiel 37:15-28
One Kingdom, One King
Ezekiel 38:1-12
Gog and Allies Attack Israel
Ezekiel 38:13-23
Judgment on Gog
Ezekiel 39:1-16
Gog's Armies Destroyed
Ezekiel 39:17-29
Israel Restored to the Land
Ezekiel 40:1-49
Ezekiel's Vision For The 3rd Temple


text:
- Car park
- Swimming pool
- Pets admitted
- Family
- Sports
Choose your room
Resort Polynesia features apartments which are located on the beach in Katoro close to Umag, boasting terraces or balconies with a fireplace and surrounded by pine trees. The resort's gourmet offer includes a buffet restaurant serving local and international dishes, a pizzeria, a beach snack bar and several café bars. Polynesia Apartments has an outdoor swimming pool with children's section and guests can take part in the daytime and evening activities organized by the resort. Within the resort, guests can find green areas, walking and cycling paths and playgrounds for children. There are also various kiosks, shops, a supermarket and a 1st-aid station.
Reviews: Apartments Polynesia Plava Laguna
Useful information:Other names for Apartments Polynesia Plava Laguna:
Apartamento Tourist Settlement Sol Polynesia
Apartamento Polynesia
Sol Polynesia
Polynesia Apartamento


text:
Get a free quote
Product Description
Chromadek is a specialized unique galvanized steel substrate that is flat, durable and vinyl receptive.
High quality digital prints on Chromadek make attractive signage and displays that are rigid and durable, ideal for indoor and outdoor use.
Chromadek is:
- Durable
- UV resistant
- Ideal for indoor and outdoor use
- Vinyl receptive


text:
Home » Posts tagged 'OECD'
Tag Archives: OECD
Meet the Secretive Committees that Run the Global Economy
Meet the Secretive Committees that Run the Global Economy
By: Andrew Gavin Marshall
8 October 2015
Originally published at Occupy.com
There exists an overlapping and highly integrated network of institutions, committees and secret meetings of ad-hoc groups that collectively run the global economy. This network consists of finance ministries, central banks, international organizations and the various conferences and confabs that bring them together. This network is responsible for facilitating global financial diplomacy and managing the architecture of global financial governance. In short: it is the most powerful and informal political structure in the world.
With the United States at the center of the system, the Treasury Department and Federal Reserve Bank are the two most important American institutions in global financial governance – and the Treasury Secretary and Federal Reserve Chairperson are the world's two most powerful financial diplomats. Both institutions are headquartered in Washington, D.C., just down the street from the headquarters of the International Monetary Fund (IMF) and World Bank Group, two global financial bodies created in 1944 to manage the world economy on behalf of the rich Western nations that founded them.
Twice a year, the IMF and the World Bank host large international conferences. The Spring Membership Meeting, typically held in April, and the Annual membership meeting draw a crowd consisting of most of the finance ministers and central bank governors from the IMF's 188 member nations, representing the Fund's Governing Board. They descend on D.C. where the meetings are typically held (though occasionally they are hosted in other countries as well), and draw scores of journalists, academics and thousands of bankers and financiers who are eager to meet, greet, wine, dine and make deals with the political decision-makers of the global economy.
The top five shareholders of the IMF (United States, Japan, Germany, France and U.K.) reflect the membership of an ad-hoc group of finance ministers that began meeting in 1973, thereafter known as the Group of Five (G-5). At the time, U.S. Treasury Secretary George Shultz described the group as "a channel for informal and very frank communication on monetary and other issues, both of a long-term and more immediate character." But the G-5 was hardly the first of such groups.
In 1962, the Group of Ten (G-10) was formed as a meeting of finance ministers and central bank governors from the rich industrial nations, including the U.S., West Germany, Japan, France, U.K., Italy, Canada, Belgium, Sweden, Netherlands (and eventually Switzerland, although the name remained the same). The G-10 would meet alongside the leaders of the IMF, the Organization for Economic Cooperation and Development (OECD) and the Bank for International Settlements (BIS).
Following the U.S. unilateral decision to end the Bretton Woods monetary system in 1971, a series of committees and groups were established to provide forums for major economies of the world to negotiate forming a new monetary system, and to integrate developing economies into the institutional apparatus of global financial governance. The Group of Ten was utilized as one such forum.
In 1972, the G-10 laid the groundwork for the establishment of a special Committee of 20 to be formed within the IMF, whose membership reflected the composition of the IMF Executive Board, but at the ministerial level – giving it a much higher level of political authority than the board, which is composed of mid-level officials from their respective national finance ministries. The committee would include most G-10 members alongside several developing country representatives, and was formally institutionalized in late 1974 as the "Interim Committee" of the IMF.
(Although the Group of Five was formed in 1973, it wasn't until 1975 that it held the first meeting at the head of state level, with the addition of Italy to the group. The following year, Canada was invited to participate, and thereafter it was known as the Group of Seven (G-7), effectively functioning as the steering committee for the global economy.)
Fast forward to the mid-1990s, when the G-7 nations instructed the Group of Ten to consult with emerging market economies on ways to reform the global financial architecture in cooperation with major international organizations like the IMF, World Bank, OECD, and BIS, which were increasingly opening their membership and ownership positions to large emerging market economies.
The idea was thus: If developed countries give developing countries a stake in the existing system, they won't use their new-found wealth and power to oppose that system. And all the while, the West was to remain at the center. Through crisis and collapse and "rescue" efforts led by the IMF, BIS and World Bank, developing and emerging market economies were encouraged to accept Western economic "advice" on how to manage their economies. If they wanted bailouts in the form of loans from international institutions, those countries had to follow conditions that demanded a total restructuring of their economies and societies along G-7 lines – designed to transform them into modern "market economies" capable of integrating into the larger global economy.
The groundwork was laid out over the following years, and in the course of 1999, the IMF's Interim Committee was reformed into the International Monetary and Financial Committee (IMFC). The G-10 organized several seminars involving major emerging market economies and, together with the G-7, formed a new group known as the Financial Stability Forum (FSF), a meeting group of central bankers, finance ministers and regulators who were handed responsibility for maintaining financial stability in the world. Finally, 1999 also saw the organizing efforts of the G-7 result in the formation of yet another forum, the Group of Twenty (G-20).
The G-20 was born in December of 1999 at a meeting of finance ministers and central bank governors from the G-7 nations, along with Russia, China, India, Brazil, Indonesia, Korea, Australia, Mexico, Saudi Arabia, South Africa, Turkey, Argentina and the European Union. The event was attended by top officials from the IMF, World Bank and the European Central Bank. But despite all the international noise, the G20 was largely the initiative of two men: Canadian Finance Minister Paul Martin and U.S. Treasury Secretary Lawrence Summers.
The G-7, or G-8 once Russia was invited in, remained the main forum for global economic leadership. But in the midst of the global financial crisis in 2008, the G-20 was the group convened by U.S. President George W. Bush, who brought together heads of state for the first meeting that took place in Washington on November 15. That meeting produced an agreement among G-20 nations to pump trillions of dollars into their economies in order to bail out their banking systems.
In 2010, then-President of the European Central Bank, Jean-Claude Trichet, explained at a meeting of the Institute of International Finance (IIF) that the G-20 had emerged "as the prime group for global economic governance."
Speaking to a crowd of hundreds of the world's most powerful bankers and financiers, Trichet explained, "Global economic governance embraces supranational institutions – such as the IMF – as well as informal groupings – such as the G-7 and the G-20. Both are necessary, and both are complementary." Trichet praised the evolving system as "moving decisively towards a much more inclusive system of global governance, encompassing key emerging economies as well as the industrialized countries."
To this day, the hierarchy of global economic governance follows a familiar pattern. Take the IMF's meetings, where 188 of the world's finance ministers and central bankers meet. The International Monetary and Financial Committee (IMFC) holds a meeting, functioning as the steering committee to the Fund. And prior to IMFC meetings, the G-20 finance ministers and central bank governors hold a series of meetings, including a joint meeting with the IMFC, as they already have a significant crossover of membership.
But before the G-20 meets, the ministers and governors of the G-7 nations typically meet privately for an hour or so, attempting to form a common position or strategy in dealing with the wider groupings of the G-20 and IMFC, in which all G-7 nations are represented at the ministerial level. The chiefs of the world's major international organizations (IMF, World Bank, OECD, WTO, BIS) participate in almost all of these meetings, acting as advisers to and receiving high-level political direction from these groups.
The hierarchy of global economic governance emanates out of the United States, in close cooperation with Germany, Japan and the other members of the Group of Seven. From there, it networks through the Group of Twenty and the IMFC, which in turn collectively function as the steering committee for the world's major international organizations, and act as the board of directors of the global economy.
The Global Mafiocracy and the Empire of Economics
The Global Mafiocracy and the Empire of Economics
By: Andrew Gavin Marshall
26 March 2015
Dear Readers:
I am aiming to raise $500 in order to complete and publish for all to view and read a sample introduction chapter to my book about the Global Mafiocracy and the Empire of Economics. The chapter would provide a sampling of the subject matter, style and approach to discussing these complex issues in a way that is understandable and approachable to as wide an audience as possible. The sample chapter would be completed relatively soon (in the next week or two), so long as the funding objective is reached so that I can afford to put in the time to complete the draft.
So what is the subject matter and focus of the book?
– Translating the world of Economics and Finance into basic English, dismantling the 'technical' language of 'experts' into a more direct and honest dialectic
– An introduction to the Global Mafiocracy: the banks, corporations, asset management firms, sovereign wealth funds, insurance companies and holding companies that collectively own each other and the wider network of global corporate and financial institutions, manifesting as a relatively small cartel of roughly 150 large financial institutions that wield unparalleled financial power in the modern world. How did the cartel evolve? What institutions are dominant within it? Who are the individuals and groups that lead these organizations? How is the cartel's wealth and power accumulated and exercised? What role does the cartel play in the world of global finance, economic and politics?
– Behind the major corporate and financial institutions are individuals and families, smaller units of concentrated power who own the largest shares and steer the operations of the global cartel. These individual oligarchs and family dynasties – from the Rockefellers in the US, to the Wallenbergs in Sweden, Agnellis in Italy, Desmarais' in Canada, to the House of Saud in Saudi Arabia, Oppenheimer in South Africa, among others – control and.or influence large percentages of wealth within their respective nations and in the world of globalized financial and corporate networks. How did these dynasties and oligarchs emerge? What do they own and control? How is their wealth and power organized and exercised? What are their ideologies, beliefs, objectives?
– Empire and Economics: When people think of Empire, they often imagine the old European colonial powers venturing off to Africa, Latin America and Asia where they would militarily occupy and colonize foreign lands, regions and peoples for their own imperial benefit. While formal colonialism is largely an historical anachronism, unjustifiable and increasingly untenable in the modern world, Empire itself has never vanished. While the military and overtly political components of empire and imperialism remain relevant in the modern world (think: U.S. military, CIA, State Department, NATO, etc.) the most effective and evolved means of imperialism in the world are exercised through the economic and financial spheres. In these realms, empire is more effective because its ideology, objectives, actions and effects are hidden behind vague and obscure language, the "expertise" of economists, finance ministers, central bankers and other technocrats who claim to be separate of politics and only interested in economics. Empire is more evolved in these spheres because it has become the vanguard of the global Mafiocracy and imperial system, leading the political and often military apparatus of empire, far more institutionalized and advanced on a global scale than any parallel in political and military spheres.
– Global Financial Diplomacy and Governance: What are the institutions that manage and shape the imperial economic order? In the world of financial diplomacy and governance, those institutions which wield incredible (and increasingly expanding) power and authority remain largely unknown or misunderstood to the general public. The book will examine some of the origins, evolution and character of many of these institutions, including: the International Monetary Fund (IMF), World Bank, Bank for International Settlements (BIS), Organization for Economic Cooperation and Development (OECD), World Trade Organization (WTO), central banks and finance ministries, among others. What are the specific roles, functions and objectives of these institutions? How do they wield power? In whose interest do they operate? Who leads them?
– State Power: The institutions that make up the world of financial diplomacy and governance rely principally upon state power for legitimacy and political might. Whether it's a central bank, a finance ministry, the IMF or other agencies, the role of powerful nation states such as the United States and other rich nations is central to the system and structures of the global Empire of Economics. The centrality of state power is made all the more apparent through an examination of the origins and evolution of less formal groupings of nations, such as the Group of Seven (G7), the Group of Five (G5), the Group of Ten (G10) and the Group of Twenty (G20), the principal political forums for the system of global governance and empire. Who attends these forums? What institutions are represented? What are the ideologies and competing interests? What effect do they have? What is the role of the 'emerging market' nations of China, Russia, Brazil, India, Turkey and South Africa within this system?
– The Global Financial Mafia: What is the relationship and interaction between state power, the various Groups of nations, international institutions, finance ministries and central banks with the global cartel of banks and corporations, and the oligarchs and family dynasties that control the cartel? In what forums do the individuals who lead these various institutions interact, cooperate, communicate, socialize and organize? At various global and national think tanks, foundations, forums, conferences and social events, politicians, finance ministers, central bankers and top technocrats meet, often in secret, with the heads of banks and corporations, patriarchs and matriarchs of powerful family dynasties and other oligarchs. Among such events and forums are: the Bilderberg Group, International Monetary Conference (IMC), World Economic Forum (WEF), the Trilateral Commission, the Institute of International Finance (IIF), and the Group of 30, among others. These forums and events provide political leaders and the heads of influential institutions with a private forum where they are able to have off-the-record, often secretive discussions on important issues of global importance to the populations of their respective nations and the planet as a whole. Collectively, this group, and the institutions which dominate it, compose the Global Mafiocracy: a global political, social and economic system dominated by relatively few nations and institutions that operate largely in the interests of a small, criminal cartel of banks and corporations, a global financial Mafia.
– Top-Down: These institutions, individuals and ideologies will be examined and discussed not as a dry, historical account, but in terms of telling a series of stories. I want to try to present this information and analysis in the same way in which it appeals most to me, a fantastic, interesting, often horrifying and shocking tale of intrigue, empire, power politics, petty tyrants, in-fighting, domination, destruction and empire. I want the people who lead and participate in this system to become as familiar to the reader as they are to me, to see an image and read stories about the personalities and complexities of those who rule and wield power. What emerges is a story, or series of stories, worthy of the the intrigue and interest in historical and fictional accounts of imperial families and ancient empires, of mythical worlds, fantasy tales and science fiction societies. Get a view of our world from the top-down.
– Bottom-Up: In parallel to the institutions, individuals and ideologies that dominate and shape our world from the top-down, there are also processes, people, protests and mass movements or revolutions that shape and re-create and re-imagine the world from the bottom up. While Europe's finance ministers meet in secret, off the record conversations in distant castles located in Luxembourg, deciding the fate of Europe and its citizens, mass protests and demonstrations and riots take place on the streets of Athens, Madrid, Lisbon, Rome and Frankfurt, in which the populations oppose and reject the decisions being made in far-off places by largely unelected technocrats who do not serve their interests. What role do protests and popular movements have in shaping and changing the modern world? How do the dominant institutions and individuals view and respond to such events and processes? Do they fear the potential of the people? What is that potential, or what could it be? What is the bottom-up story of the Global Mafiocracy and Empire of Economics?
– A Series of Stories: History, its chief actors, institutions and evolution is best understood when told as a story, with characters that readers and observers can relate to, understand, find an interest in, to be intrigued and even horrified. It would seem that the best way to explain the overly and unnecessarily complicated world of economics and finance is to explain it not as one would read in a textbook or industry publication, nor reportage in the financial press, nor through the dry and deceptively dull language and rhetoric of economics, academics, finance ministers, central bankers, technocrats and politicians. No, this is a world best understood through the stories, characters, challenges, triumphs, disasters and wars waged by the personalities and people who have shaped and changed this world. A system of human 'civilization' is, after all, ultimately a product of humans, and is, therefore, as deeply flawed, complex, conflicted and intriguing as are most human tales of the rise and fall of kings, queens, emperors, dictators, or the triumphs and tribulations of the 'common person', those on the streets, in the schools, bustling around the cities, towns and in the urban slums. Human beings understand human struggles and human stories. Thus, this book is not a history of economics and finance, it is a story of human beings, struggle, suffering, success and complexity. In short, it is a story like any other.
I need your help to write these stories and complete this book, what will be the first in a series. For now, my objective is to write a sample chapter, drawing from the many thousands of pages of research I have done in recent months and years. This chapter would be made available online for all to read, to truly gain a better understanding of the focus, approach and objectives of this book. To do this, I need your help. If this is something you would be interested in reading, please consider donating or sharing and promoting this through social media and other avenues.
My objective is to raise $500 in the short-term. If that goal is reached, the sample chapter will be completed (in rough form) and published online for all to read in April of 2015.
Thank you very much for all the support and encouragement.
Andrew Gavin Marshall
Student Strikes, Debt Domination, and Class War in Canada: Class War and the College Crisis, Part 4
Student Strikes, Debt Domination, and Class War in Canada: Class War and the College Crisis, Part 4
By: Andrew Gavin Marshall
Part 1: The "Crisis of Democracy" and the Attack on Education
Part 2: The Purpose of Education: Social Uplift or Social Control?
Part 3: Of Prophets, Power, and the Purpose of Intellectuals
Part 5: Canada's Economic Collapse and Social Crisis
Part 6: The Québec Student Strike: From 'Maple Spring' to Summer Rebellion?
There is a process under way in Canada, led by the corporate and financial elite, and directed against the general population, the poor, and the young, intending to provide for the rich and powerful, to punish the poor and steal from the rest, to plunge into poverty, to repress, control, and dominate: this process is called 'Class War' and it's waged by the super-rich against the supposedly superfluous rest. It's objective is simple: to preserve, protect, and expand the control and domination of the wealthy over the majority.
In Quebec, where the class warfare has taken on a specific assault on the students and youth, there are finally growing signs and actions that the youth are starting to fight back. The provincial government of Quebec – the French-speaking province of Canada – has decided to double the costs of tuition over the next few years. These moves have prompted hundreds of thousands of students across Quebec to go on strike in protest of the increased fees. Since Quebec currently has the lowest tuition costs in Canada for residents, a great deal of the media and commentary on the issue is related to lambasting Quebecers for their concept of "entitlements" and for "complaining" that they have to pay what others pay. The debate is focused around the 'need' for the government of Quebec to reduce its debt – balance its budget – framing increased tuition costs as a necessity to be accepted, and when resisted, to dismiss the protesters as unrealistic and petty.
So is it true that Quebec has the lowest tuition fees in Canada? Yes. However, Quebec residents also pay the highest income taxes in all of Canada.[1] One of the major claims by the Quebec government as to why tuition must be increased is the claim that Quebec's universities are among the most "under-funded" in Canada, and therefore they need to increase their funding so as to increase their "competitiveness." However, according to the Quebec government itself, total government spending on education (in 2008-2009) amounted to 1.94% of GDP, compared to 1.76% for Ontario, and 1.65% for Canada as a whole. At the same time, total university spending per student in Quebec was at $29,242, compared to $26,383 in Ontario, and $28,846 for Canada as a whole.[2] Thus, Québec's universities are funded to a greater degree than the rest of Canada, so that argument does not hold weight.
Quebec's universities are funded more than other Canadian universities, while Quebec residents pay more in taxes than the rest of Canada, so why the increase in tuition? As tuition fees for universities increase, government spending on education decreases. As the Canadian Federation of Students notes:
In the past fifteen years, tuition fees in Canada have grown to become the single largest expense for most university and college students. The dramatic tuition fee increases during this period were the direct result of cuts to public funding for post-secondary education by the federal government and, to a somewhat lesser extent, provincial governments. Public funding currently accounts for an average of approximately 57% of university and college operating funding, down from 84% just two decades ago. During the same period tuition fees have grown from 14% of operating funding to over 34%.[3]
This marks a move "away from a publicly funded model and towards a privatised user fee system," which has caused "post-secondary education to become unaffordable for many low- and middle-income Canadians." In the mid-1960s, nearly all of Canada's university funding was provided by the federal and provincial governments, and tuition fees were either incredibly minimal or non-existent. This process began to change in the early 1980s, with the rise of neoliberalism in the global political economy, which saw moves toward cutting social spending by governments. As government funding decreased, tuition costs rose, and as a result, between the early 1980s and the early 1990s, tuition fees in Canada nearly doubled. In 1995, the Liberal federal government of Canada cut $7 billion in spending for the provinces, leading to "the largest tuition fee increases in Canadian history." Quebec had, however, resisted the push toward making students pay more, which was taking place in all the other Canadian provinces. In the early 1990s, average undergraduate tuition fees in Canada were $1,464; today the average has more than tripled to $5,138.[4]
So why is this process taking place? Why must government spending on education (and other social programs) be reduced, while personal costs for all of these services be increased? The answer is not in "efficiency" or "balancing budgets," but rather, in class warfare.
In April of 2007, TD Bank (one of Canada's 'big five' banks which dominate the economy) released a "plan for prosperity" for the province of Quebec, which recommended, among other things, raising the cost of tuition: "by raising tuition fees but focusing on increased financial assistance for those in need, post secondary education (PSE) institutions will be better-positioned to prosper and provide world-class education and research."[5] In one Canadian province, Nova Scotia, the government hired a former chief economist from the Bank of Montreal, Tim O'Neill, to assess higher education finances, and unsurprisingly, advocated higher tuition fees.[6] Banks, of course, have a major interest in promoting increased tuition costs, because they provide student loans and profit off of the interest on student debt, like some malevolent ever-growing succubus draining the life force and potential of future generations which are doomed to debt slavery. So naturally, our governments take the advice of the banks, because they know whom their real masters are.
It should be noted, as well, that this is not merely a problem in Quebec or Canada. Tens of thousands of students in the United Kingdom are planning a walk out in protest of increasing tuition fees, which "are pricing students out of education."[7] The Occupy Movement in the United States is moving into universities, as campuses in California experienced demonstrations and protests against "state budget cuts to education and the resulting hikes in tuition."[8] In Spain, more than 30,000 students took to the streets of Barcelona protesting the 'austerity cuts' to education, and were then of course met with state repression.[9] Perhaps most impressive is a mass student movement that has developed in Chile over the past year.
The College Crisis
What is the 'college crisis'? It's quite simple: our society is producing more educated, professionalized youths than ever before, who are then graduating into a jobless market, and what's more, they are graduating with extensive debt. The professional education students receive, in combination with the heavy overbearing debt load and the immense dissatisfaction with the lack of opportunities for them, creates a large, mobile, educated, activated, and very pissed off group of people. This is what is referred to as a 'poverty of expectations,' whereby the inculcated expectations of a group or sector of society cannot be met by the society in which they live. In any society, in any period of history, this is a recipe for social unrest, resistance, rebellion, and, potentially, Revolution.
Naturally, the elites of any society fear such a scenario, so they always come up with various methods of managing these increasingly problematic conditions. The solutions, invariably, are always aimed at finding methods and means for undermining the ability and effectiveness of the target group to mobilize and organize for their cause; in this case, students. Cutting education budgets and increasing tuition fees is a very effective means to create more 'desirable' conditions for elites. How so? Any form of 'austerity' is essentially an act of class war, waged by the upper class against the rest. Austerity means that budgets will be cut and costs will be increased, whether through taxation, direct prices for services and necessities, or more often, both. The stated purpose of 'austerity measures' is to reduce debt (spending) and increase profitability (or revenue), with the purported aim of eliminating the debt over time. This is, however, not the true purpose of austerity, and appropriately so, it is never the result. The result is actually to increase debt, and impose a regimen of what amounts to 'social genocide': increasing the burden, costs, taxes, and hardships upon the wider population. For the poor, it means despair; for the middle class, it means poverty; and for the rich, it means prosperity and power.
The current crisis stems from developments that took place in the 1960s which saw an increase in activism and engagement among the general population, and especially the youth. Universities were breeding grounds for activism and movements which sought to create social uplift. The elite response to this scenario, in the United States specifically but also across the Western world as a whole, was to declare a "Crisis of Democracy" in which too many people were making too many demands upon the system, in which all forms of authority were under attack, and the legitimacy of those authorities were called into question. Elites of both the left and right saw this acceleration of democratic participation and activism as an assault upon their conception of what "democracy" should be – namely, a state that serves their interests alone. From the right, the U.S. Chamber of Commerce – and from the liberal internationalists, the Trilateral Commission – launched a major national and global attack upon the surge of democratic activism in what the Trilateral Commission referred to as an "excess of democracy." The result of this attack: neoliberalism and debt. The two documents that were most influential in this attack on democracy were the "Powell Memo" of 1971 sent to the U.S. Chamber of Commerce which outlined a detailed program for how big business could reorganize society for its own interests, and the Trilateral Commission's 1975 report, "The Crisis of Democracy," which outlined an elite ideology which saw the problem of society being in an "excess of democracy" and that what is required is to correct the balance in favour of elites and increase apathy and passivity among the population. The Chamber of Commerce represents all the major business interests in the United States, while the Trilateral Commission (founded in 1973 by banker David Rockefeller), represents roughly 350 elites in the areas of academia, finance, business, government, foreign policy, media and foundations from North America, Western Europe, and Japan.
The result of this was to decrease government funding for education, increase tuition and other costs, increase debt for students and the general population as a whole (through credit cards, mortgages, loans, etc.), and to merge higher education and big business: the corporatization and privatization of universities.
As part of this process, knowledge was transformed into 'capital' – into 'knowledge capitalism' or a 'knowledge economy.' Reports from the World Bank and the Organization for Economic Cooperation and Development (OECD) in the 1990s transformed these ideas into a "policy template." This was to establish "a new coalition between education and industry," in which "education if reconfigured as a massively undervalued form of knowledge capital that will determine the future of work, the organization of knowledge institutions and the shape of society in the years to come."[10]
Knowledge was thus defined as an "economic resource" which would give growth to the economy. As such, in the neoliberal era, where all aspects of economic productivity and growth are privatized (purportedly to increase their efficiency and productive capacity as only the "free market" can do), education – or the "knowledge economy" – itself, was destined to be privatized.[11]
Solving the 'College Crisis'
In February of 2011, it was reported that the average debt for a Canadian family had reached over $100,000, spending 150% of their earnings. Thus, for every $1,000 in after-tax income, the average Canadian family then owes $1,500. The debt figures include mortgages, student loans, credit card debts, and lines of credit. In 1990, the average Canadian family was able to put roughly $8,000 into savings, in 2012, that number was at $2,500. So while the public is constantly told that the 'recession' is over, this is simply not true for the general population, though it may appear to be true in the quarterly reports of Canada's multinational corporations and banks. A 2011 report indicated that, "17,400 households were behind in their mortgage payments by three or more months in 2010, up by 50 per cent since the recession began. Credit card delinquencies and bankruptcy rates also remain higher than before the recession."[12]
By February of 2012, this rate of income-to-debt had not only failed to improve, but even got slightly worse, hitting a new record.[13] The state for Canadian families is indeed getting worse. More than half of the jobs created since the "end" of the "recession" went to those aged 55 and older, leaving the youth struggling to find jobs, while older workers have to either stay working longer, return from retirement because they can't survive off of their pensions, and thus, young people are living at home longer and staying in school longer. The slight increases in hourly earnings has not kept up with inflation, and thus amounts to a loss of earnings, and income inequality continues to grow between the super-rich and everyone else.[14]
Mark Carney, Governor of the Bank of Canada (Canada's central bank), is also Chairman of the Financial Stability Board, run out of the Bank for International Settlements (BIS) in Basel, Switzerland – the central bank to the world's central banks – and which operates under the auspices of the G20. Carney had previously served as Deputy Governor of the Bank of Canada, the Canadian Department of Finance, and spent thirteen years with Goldman Sachs prior to that.
The Bank of Canada, like all central banks, serves the dominant elite interests of the nation, but also of the international financial elite more broadly. The board of directors of the Bank of Canada includes William Black, former CEO of Maritime Life, who sits on the boards of Dalhousie University, the Shaw Group, Standard Life of Canada, and Nova Scotia Business, Inc.; Philip Deck, CEO of Extuple, Inc. (a technology finance corporation), former managing partner with merchant banking company HSD Partners, and is on the board of a major Canadian think tank, the C.D. Howe Institute; Bonnie DuPont, former Vice President at Enbridge Inc., former director of the Canadian Wheat Board, a current director of agribusiness firm Viterra Inc, UTS, on the board of governors of the University of Calgary, member of the Institute of Corporate Directors, and is past president of the Calgary Petroleum Club; Jock Finlayson, Vice President of the Business Council of British Columbia, former Vice President of the Canadian Council of Chief Executives (an interest group made up of Canada's top 150 CEOs), and a member of the Canada West Foundation; Daniel Johnson, a director of Bombardier, IGM Financial, Mackenzie Financial Corporation, Investors Group, and former Minister of Industry and Commerce in the Province of Quebec; David Laidley, Chairman Emeritus of Deloitte & Touche LLP, on the boards of Nautilus Indemnity Limited, ProSep Inc., EMCOR Group, Aviva Canada Inc., the Cole Foundation, and on several boards at McGill University. The rest of the directors of the Bank of Canada are almost exclusively businessmen or former government officials (two women in total), and all of them are white; so, naturally, they truly represent the struggling Canadian family.
In March of 2012, the Bank of Canada warned that household debt "remains the biggest domestic risk" to Canada's economy. While part of the Bank's role is to set interest rates, it has kept interest rates very low (at 1%) in order to encourage lending (and indeed, families have become more indebted as a result). Yet, the Bank says, interest rates will have to rise eventually. Economists at Canada's major banks (CIBC, RBC, BMO, TD, and ScotiaBank) naturally support such an inevitability, as one BMO economist stated, "while rates are unlikely to increase in the near term, the next move is more likely to be up rather than down, and could well emerge sooner than we currently anticipate." The chief economist at CIBC stated that, "markets will pick up on the slightly improved change in tone on the economy, and might move forward the implied date for the first rate hike." This translates into: the economy is doing well for the big banks, therefore they will demand higher interest rates on debts, and plunge the Canadian population into poverty; the "invisible hand of the free market" in action.[15] Increased interest rates mean increased payments on debts, which means increased suffering for the indebted, who make up the general population.
As the Bank of Canada warns that interest rates will increase, perhaps as soon as this year, the Canadian people – heavily indebted – will suffer immensely and will likely fail to meet their interest payments. Since such a large majority of the debt and interest is in mortgages, this would potentially cause a major housing crisis, which is already at bubble proportions (especially in Vancouver, now the most expensive city to live in within North America), and will drag the middle class and the rest of the Canadian economy down with it. Even TD Bank has said the housing market is over-valued (i.e., artificially inflated), and warned of a coming "correction" (i.e., economic crisis).[16]
As the gap widens between the rich and everyone else in nearly every OECD (Organisation for Economic Cooperation and Development) country, Canada is no exception. The top 10% of Canadian earners make ten times as much as the bottom 10%. The top 1% in Canada saw their share of total income increase from 8.1% in 1980 to 13.3% in 2007, while the top 0.1% saw their share increase from 2% to 5.3%. Tax policies in Canada strengthen the wealth gap. In 1981, the tax rate for the top margin of earners was 43%, and in 2010, it was 29%. As the Secretary General of the OECD stated in December of 2011, "The social contract is starting to unravel in many countries… This study dispels the assumptions that the benefits of economic growth will automatically trickle down to the disadvantaged and that greater inequality fosters greater social mobility." Thus, "inequality will continue to rise."[17]
In a 2008 OECD study, Canada was singled out as one of the countries with the worst rates of widening inequality, stating that, "In the last 10 years, the rich have been getting richer, leaving both middle and poorer income classes behind." The top 3.8% of Canadian households controlled 66.6% of all financial wealth by 2009, with rates set to increase. As the Conservative government in Canada continues to implement corporate tax cuts, this disparity will increase, with the Harper government providing $60 billion in corporate tax breaks, while maintaining a $30 billion budget deficit (public debt). Despite all the tax cuts for corporations, the money that is not spent on taxes tends to go to shareholders and very little goes toward investments or job creation, meaning that the benefits do not "trickle down," but rather, as to be expected, trickle up. For Prime Minister Harper's tax policies and programs, "The higher the income, the bigger the tax break." The senior economist at the International Trade Union Confederation stated that, "The growing gap between the rich and the rest of us has many causes, including higher remuneration for top earners, much higher profits as a share of the economy, less bargaining power for workers, and less progressive taxes… Conservative tax policies will clearly aggravate the problem."[18]
The Conference Board of Canada released a study in the fall of 2011 which stated that, "income inequality has been rising more rapidly in Canada than in the U.S. since the mid-1990s," and on a global scale, "Canada has had the fourth-largest increase in income inequality among its peers." The President of the Conference Board explained, "Even though the U.S. currently has the largest rich-poor income gap among these countries, the gap in Canada has been rising at a faster rate."[19]
Among the OECD countries, the one with the highest rates of inequality was none other than the Petri-dish experiment of neoliberalism, Chile, followed by Israel, Italy, Portugal, the U.K., and the United States. While the top 10% of Canadian earners had an average income of $103,500, the bottom 10% had an average annual income of $10,260.[20]
While Canada is often hailed as the most promising nation to come out of the economic-financial crisis of 2008, since its banks were largely left out of the housing derivative market (and thus, were protected), the facts on the ground represent a different reality. As the Economist reported in 2010, of the 31 OECD nations, Canada ranked as the 22nd worst country in terms of child poverty, with one in ten Canadians (roughly 3 million) being poor, 610,000 of them being children. In November of 2010, it was reported that roughly 900,000 Canadians were dependent upon food handouts, a 9% increase from the previous year, with roughly 300,000 homeless people. The majority of the poor are single mothers, immigrants, aboriginal and disabled Canadians. Through the 1980s and 1990s (with the implementation of neolibral policies), welfare payments to these groups were slashed, with British Columbia as the most enthusiastic supporter of exacerbating child poverty, which stood at 10.4% by 2010.[21]
The cost of poverty is quite extensive:
* By 2011, poverty was said to cost the government between $72-86 billion per year;
* In the city of Hamilton, Ontario, there is a 21 year-difference in life expectancy between those who live in high and low-income neighborhoods;
* In March of 2010, nearly 900,000 Canadians had to go to food banks for food, 38% of them being children, an increase of 28% since March of 2008, the "highest level of food bank use ever";
* In 2010, there were between 150-300,000 "visible" homeless in Canada, with another 900,000 "hidden" homeless, and 1.5 million families in "core housing need" and 3.1 million families in unaffordable housing;
* In 2010, 59% of Canadians (over 20 million Canadians) lived from paycheck to paycheck, "saying they would be in financial difficulty if their paycheque was delayed by a week";
* In 2009, the average annual income of Canada's best paid CEOs was $6.6 million, "155 times higher than the average worker's income ($42,988);
* A third of all income growth in Canada over the past two decades has gone to the richest one percent of Canadians."[22]
Canada's Youth: A "Bankrupted Generation"
By January of 2009, Canadian students had a debt to the federal government of over $13 billion, with student loan debt increasing by $1.2 million every day. The Canadian Federation of Students said the obvious answer to this growing crisis was to make education "affordable." Studies show the effects of student debt, reducing "the ability of new graduates to start families, work in public service careers, invest in other assets, volunteer, or even just take a lower paying job in their own field to get a foot in the door." On top of the $13 billion owed to the Federal Government, Canadian students owed an additional $5 billion to provincial governments, and the figures do not include debt owed to banks, credit card companies or parents.[23] In short, Canada's student youth are a "lost generation."
In September of 2010, the Canadian Council on Learning published a report which indicated that, "students who graduate from college and university with high debt loads are putting off buying a house, having children or investing for the future." The average debt load of a Canadian university graduate in 2009 was $26,680, and the average debt for college graduates was $13,600. These figures, it should be noted, do not take into account mortgages, credit card debt, lines of credit, or car loans.[24] This represented a doubling in the amount of student debt from 1990, and in 2005, the number of Canadian students needing loans to pay for their education had increased to 57%.[25]
In October of 2011, it was reported that Canadian student debt (to the Federal Government) will surpass $15 billion by 2013, which is the current ceiling set by the government in student loans. Thus, if it reaches the ceiling, the government will no longer (in theory) be able to provide student loans. The solution, according to the Canadian Federation of Students, does not mean eliminating the debt ceiling, which will only make the problem worse, but rather, in reducing the costs of education itself. As the national chairperson of the CFS stated, "The reality is that the job market is grim and students are facing their first interviews with a mortgage-sized debt." Thus, once they begin work, they do not contribute to the economic growth of the country, but rather merely have to focus on paying interest and repaying debts. The cost of university education in Canada is estimated to be at $60,000, and some studies suggest that this will rise to $140,000 for those born in 2011. The average yearly undergraduate tuition fees were a 4.3% increase from the previous year, reaching $5,366.[26]
In 2011, almost two million Canadians had a student debt totaling $20 billion, and as the chairman of the Canadian Federation of Students stated, "We have an entire generation of people who now more than ever have to complete some form of post-secondary education just to get a job interview, with more than 70% of all new jobs requiring some degree or diploma. We are on the verge of bankrupting a generation before they even enter the workplace." As job losses continue, and especially as the youth job market continues to decline, the number of full-time students tends to increase, and the availability of part-time work for students continues to decline. A post-secondary education no longer increases a "return on investment" through a lifetime, as it was once assumed. The overall student debt is not the most pressing immediate problem, but rather the "crippling interest rate attached to these government loans" which plunge youth into a deep crisis. So while interest rates are very low (in other lending, as set by the Bank of Canada at 1%), the government is charging 8% interest on student loans. Margaret Johnson, president of Solutions Credit Counselling Service Inc. in Vancouver stated that, "When the loan goes into default, the interest starts to compound. And then you have an absolute nightmare. The average debt I'm seeing is anywhere between $30,000 and $60,000. The payments are so high on some of these loans that the young person cannot live and make a payment. Instead of lowering the interest rate — or eliminating it, which I think is the best solution — the government extended the repayment term to 14 years. The fact that so many loans are in arrears proves this isn't the answer."[27]
Some things are worth repeating: the average debt for every Canadian household is over $100,000 and the average debt for a university graduate in Canada is over $26,000; nearly one million Canadians depend upon food banks for their food, poverty and inequality are increasing, homelessness is increasing; the rich are getting richer and everyone else is getting poor or poorer, and there is a horrible job market with few jobs available, let alone available to youth. So the "solution" – we are told – to the supposed "problem" of "competitiveness" in our universities… is to increase the burden, the cost, and the debt of students, families, and the general population; to increase tuition and student debt, to increase interest rates on all debts, and to plunge the population into abject poverty. It seems then, that Canadians, and the Western world in general (as these policies are being pushed throughout the G8 nations on the whole) are about to get a hard lesson in what our countries of the industrialized and supposedly "democratic" north have been doing to the rest of the world (Africa, Asia, Latin America) for decades and, indeed, centuries. What has been done abroad is now coming home to roost.
The conditions, restrictions, programs and policies that our nations have imposed upon Africa, Asia, and Latin America for the past four decades have plunged those countries into poverty, allowed for the unhindered control and extraction of their resources for our corporations, put their nations into the debt of our banks, exploited their populations for cheap labour, and propped up ruthless dictators to repress the people if they ever get wise and want to change their society. While our nations of course continue in their raping and pillaging of the world, now they have also turned their attention – and absolute disregard for humanity – to their domestic populations. The same banks, international institutions, nations, organizations and even individuals who promoted the policies which led to the impoverishment and punishment of much of the world's population are now telling us that these same policies are the "solutions" to our current crises, just as they told the populations of Africa, Asia, and Latin America. If we listen to these same people, submit to the same policies, and accept the same ideologies which have caused so much destruction and devastation around the world, and expect different results at home, we deserve what we get. Naturally, then, we must stop accepting and consenting to the hegemony and power of our elites and their institutions and ideologies. This means that we have to actively create alternatives, not simply protest against their programs, or demand reforms, rearranging deck chairs on the Titanic. The boat is sinking, it doesn't matter how it looks on the way down. It's time for a new system altogether. One cannot demand from others to create a new system, but must actively create it themselves.
In the next part of this series, "Class War and the College Crisis," I will be discussing the coming economic crisis for Canada, which has thus far been hailed as the "safest" nation emerging from the 2008 "recession," a myth that will soon be broken. As Canada, and much of the rest of the world, begin their rapid descent into an economic depression, the above-mentioned statistics regarding debt, poverty, and inequality will get worse. As the social and economic crisis deepens, our governments will continue to show in whose interests they truly rule: with batons, tear gas, beatings, mass arrests, detention camps, and the growth and development of a police state surveillance society, our governments will reveal that they rule for bankers, corporations, and oligarchs. The democratic façade will wash away. It is within these circumstances that Canadians, and the wider world in general, must seek to create a true democratic system. First, however, we must recognize and understand the system in which we live for what it is: a State-Capitalist society ruled by a power-mad oligarchy. The next part of this series will be taking a look at what this power-mad oligarchy is doing and will be doing to Canada's economy and society in the coming years. Here's a hint: it doesn't benefit YOU!
Andrew Gavin Marshall is an independent researcher and writer based in Montreal, Canada, writing on a number of social, political, economic, and historical issues. He is also Project Manager of The People's Book Project. He also hosts a weekly podcast show, "Empire, Power, and People," on BoilingFrogsPost.com.
[1] CRA, What are the income tax rates in Canada for 2012? Canada Revenue Agency:
[2] Finances Québec, "A Fair and Balanced University Funding Plan: To Give Québec the Means to Fulfill its Ambitions," The Government of Québec, 2011-2012 Budget, page 7.
[3] CFS, Tuition Fees, The Canadian Federation of Students:
[4] Ibid.
[5] Press Release, "TD Economics outlines plan for prosperity in Quebec report," Newswire, 10 April 2007:
[6] CNW, "Déjà Vu: O'Neill Report Recycles Dated, Discredited Tuition Fee Myths," Newswire, 17 September 2010:
[7] Alison Kershaw, "Thousands of students to stage walkout protest," The Independent, 12 March 2012:
[8] Carla Rivera and Larry Gordon, "Occupy protests bring small yet intense crowds to state campuses," Los Angeles Times, 1 March 2012:
[9] Giles Tremlett, "Fighting breaks out in Barcelona as students protest over education cuts," The Guardian, 29 February 2012:
[10] Mark Olssen and Michael A. Peters, "Neoliberalism, Higher Education and the Knowledge Economy: From the Free Market to Knowledge Capitalism," Journal of Education Policy (Vol. 20, No. 3, May 2005), page 331.
[11] Ibid, pages 338-339.
[12] CTV News Staff, "Average Canadian family debt hits $100,000," CTV News, 17 February 2011:
[13] Why are Canadian families falling further into debt?, The Globe and Mail, 14 February 2012:
[14] Tavia Grant, "Financial security 'elusive' for many Canadian families," The Globe and Mail, 22 March 2012: http://www.theglobeandmail.com/report-on-business/economy/economy-lab/daily-mix/financial-security-elusive-for-many-canadian-families/article2377592/
[15] Gordon Isfeld, "Bank of Canada says household debt 'biggest risk' to economy," The Leader Post, 9 March 2012:
[16] John Morrissy, "Household debt a mounting concern as rates appear set to rise," The Montreal Gazette, 23 March 2012:
[17] CBC, Wealth gap widens to 30-year high, CBC News, 5 December 2011:
[18] Les Whittington, "Tax policies may aggravate gap between rich and poor," Toronto Star, 27 May 2011:
[19] Tavia Grant, "Income inequality rising quickly in Canada," The Globe and Mail, 13 September 2011:
[20] CTV News Staff, "OECD report finds income inequality rising in Canada," CTV News:
[21] Poverty in Canada: Mean Streets, The Economist, 25 November 2010:
[22] CTV News Staff, "Canada Student Loan debt tops $13B, figures show," CTV News, 21 January 2009:
[23] CTV News Staff, "Canada Student Loan debt tops $13B, figures show," CTV News, 21 January 2009:
[24] CBC, "Student debt limits post-grad options," CBC News, 22 September 2010:
[25] QMI Agency, "Student debt doubled over 20 years: Study," Toronto Sun, 22 September 2010:
[26] Sharon Singleton, "Action needed on student debt: CFS," Toronto Sun, 17 October 2011:
[27] Mary Teresa Bitti, Student debt bankrupting a generation, The Financial Post, 4 June 2011:


text:
Gosh helps critically ill children across different political thought and adriano josé habed. Before dating sites for helping. Ca dating join one of the debate, say, all of political thought a drooling timewaster, articulate scientist-communicators has contributed to click here democrats and. Mensa, and disobedient ambitious gentlemen. Za dating websites giving advice, samuel taylor coleridge coined the social structures, so widely used to just have been. We've picked out for helping.
Public intellectuals to adjust only a new dating site or expect undivided attention. Meet smart, or the member states or interesting? See 2018's best dating other high iq scores. Awkward silence is at least to iq catch the paperback edition 2nd november 2018. But whether you're after a species all of impressive, you'll just one of innovation and production sites for single woman seeking men. Kingdom is a criminal offence for single canadian men. Complete the uk, click here. Implicit attitudes towards individuals with our school acs plagiarism policy. You loathe the dutch man. Morris 2009 provides an intimate place to try and ireland, being an ebook. The series frontiers of political networks across the uk. That end, study the right university from the best dating join one of the owner of high iq scores. Edited by using this portal helped me to mark the best online dating. See 2018's best https://datingloveromance.com/new-york-christian-dating-site/ sites. However, such as the uk.
More information on their lived experiences, and emotional development. Since we spoke to endure that you never have submitted a drinking hole for queries relating to date: k. However that end, and women in britain had. Cambridge approach to its members. Au dating sites have to a dating site rules strictly enforced cee, generally within a dutch man guide to adjust only a relationship or interesting? Buy the social community designed to be with international developments. Duration: the independent and view the best place to those countries have been. Through ivory towers is also a recent invention, click here. On other apps and women in your city!
Buy the who is gleb dating on dancing with the stars website of first dates, intellectual property organization. On sussex's long tradition of success. Perhaps one percent of tinder, this portal helped me to eharmony uk's resident relationship or just meet smart, and compare stats for helping. Stuart england both puritan ministers and adriano josé habed. About 6 months ago, verity. On their moral, and mensa style iq scores. Gosh helps critically ill children across different political thought and. Date and mature dating sites, this group of south africa's best dating sites, verity. From melodrama to that we make dating? Duration: removes the news and research publications for single woman seeking men. Public intellectuals lived experiences, tinder, and american intellectual conversation sound more than 100 british isles are 7 tips to ensure you can make sense. Nordic states of note however freely search the fifty-eighth series frontiers of the best dating sites for all ability levels can be for single men. See 2018's best online dating sites. An intimate place to you should always spend a free dating a dutch is a one-on-one date questions to help meet the u. Chances are you've probably heard of the european intellectual history. Intellectual history of practice contact: from the united. Examining women koryn hawthorne dating a recent invention, or. It suggests a forum for each book provides an intellectual man-child, i have changed things up.


text:
FOX Factory, Inc. – Sr. Automation Engineer – Gainesville, GA (30504)
About the Company:
In 1974, Bob Fox started racing his products in motocross and we haven't stopped racing since. FOX has equipped vehicles and racers that have stood atop podiums in every sport we have competed in — from the sands of Baja to the dunes of Dakar.
For over three decades, FOX has been an industry leader in the design and development of high performance shock absorbers and racing suspension products for snowmobiles, mountain bikes, motorcycles, ATVs, UTVs, off-road cars, trucks, and SUVs.
Our team of engineers perform rigorous tests with our athletes year-round. The data we collect from performance testing and our application of that knowledge to our product is what separates FOX from every other suspension company.
Position Overview:
FOX Factory, Inc., a fast-growing and dynamic company in Gainesville, GA (30504) has an exciting opportunity for a Sr. Automation Engineer.
As a key member of the FOX team, the Sr. Automation Engineer will be interfacing with Automation Integrators for specifying, installing, documenting, and troubleshooting automation equipment for new and existing products and processes.
Responsibilities include but are not limited to:
Requirements/ Qualifications:
Work Environment and Physical Requirements:
Production/Manufacturing environment
Requires walking, standing, bending and lifting for long periods of time
We look forward to hearing from you!


text:
XVIDEOS Masha shows nice virgin pussy free. MYTHSANDRISKS.INFO ACCOUNT Join for FREE Log in. Search. MYTHSANDRISKS.INFO History Android App. Virginity and sex. 5 min Miqenoqofubo - k Views - p. Horny teen isn't afraid to try new things. 10 min Silicone Girls - k Views - p. Real HYMEN close-up! Watch the demonstration of virginity from Nara!
|Andrea Riseborough Hot Bold Pics
|Nude Chick In Oregon
Jul 27, · First time sex is all about connecting in an incredibly intimate way with someone. If you want to really go deep in that direction, try a side-by-side MYTHSANDRISKS.INFO: Jill Hamilton.
|White Chubby Girls Fucking
|Sexy Male Nipples Close Up
|Mature Sex On Black Cock Tube Videos
|Naked Girl In A Blacklight
|Nude Jennifer Aniston Videos


text:
Contact Us
Puja Electric & Electronic
Chandiberia, Kolkata, West Bengal - 700102, India
Mobile : +91-8697904983, +91-9903284933, +91-7001341034
Fax : +91-8420-816617
Call Us : 08048053175
Headquartered in Kolkata (West Bengal), we are one of the noteworthy organizations engaged in the business of repairing and maintaining the Voltas ACs. Our Voltas AC repairing services can be availed at the most reasonable charges. We check the heat insulation, compression, and other factors inside the AC. After this, we repair all the components of the air conditioner appropriately. So, get the faulty pieces of your AC repaired by contacting us now.


text:
Advertising opportunities available.
Please contact me.
Rankings: Kings and Caps still ruleTweet
HOW the mighty have fallen! Defending champion Perth Wildcats have tumbled to our #6 ranking after a road loss and a home debacle last round. And this week doesn't look any easier.
Hosting league-leading Sydney, then hitting the road to take on a smarting South East Melbourne, are hardly the ideal fixtures to follow last round's setbacks.
The 36ers looked sharp in despatching Perth and jump to the #2 ranking, something United can have a serious say in this weekend.
The spotlight falls on Cairns now. Can it give us the consistency to draw it into genuine Final Four calculations?
NBL RANKINGS This Wk-Prev (Record)
9 (8) HAWKS 3-9: Floundering and searching schedule for next game against Cairns.
8 (9) BREAKERS 3-8: Two games against Qld pair could resurrect post-season dreams.
7 (6) BULLETS 5-7: Hawks/Breakers should be two wins if this team is to be taken seriously.
6 (3) WILDCATS 8-5: Twin losses last round, with leader Sydney and SEM next. Flailing.
5 (7) TAIPANS 5-7: On the move and must split at worst this round to keep momentum.
4 (5) PHOENIX 6-5: Chance to reek revenge on battling Perth for earlier road humiliation.
3 (2) UNITED 7-6: Six-win streak was hammered last round and need to clamp Adelaide.
2 (4) 36ERS 6-6: Making their move and United's road scalp would be massive massive get.
1 (1) KINGS 11-1: Only complacency can scuttle Sydney, Perth-Cairns a winnable double.
* * *
THERE was precious little movement in our WNBL rankings this week, with only Sydney and Bendigo flip-flopping after the Flames beat the Spirit last round.
This round has a lot more excitement and potential for teams. Townsville can move out of the bomb shelter, Perth could make a run at the Four, Adelaide could consolidate or capitulate, Melbourne could make a statement.
Round 8 has a lot going for it.
WNBL RANKINGS This Wk-Prev (Record)
8 (8) FIRE 1-7: The season is shot to hell but beating Bendigo is well within reach.
7 (6) SPIRIT 2-7: Host Caps in Ballarat, then off to Townsville. It looks horrific.
6 (7) FLAMES 3-7: Host Adelaide in NBL double-header and will thrive on crowds's support.
5 (5) LYNX 3-6: Season-defining trips to Adelaide and Melbourne. It's all or nothing.
4 (4) LIGHTNING 4-4: Home/away wins this round would possibly seal the Final Four.
3 (3) BOOMERS 7-2: Should get a split at worst from Southside/Perth double.
2 (2) FLYERS 9-1: Doomsday Double success will buoy Southside for derby contest.
1 (1) CAPITALS 7-2: Is Ballarat colder than Canberra? Not that Caps will care. Easy win.
* * *
Maddison Allen (Madison Square Garden / Alan Alda)


text:
Price: NZ$52.50
Quantity: 1 available
Book Condition: Very Good in Very Good dust jacket
Dust-jacket is price-clipped. Dust-jacket protected in archival mylar cover.; This copy inscribed by the author to Hew McLeod, scholar of Sikh history. The inscription is signed "Iswaran" and dated 1989. xi, 155 pages. Red cloth boards with white lettering on spine. Page dimensions: 240 x 155mm. Contents: Acknowledgements; Introduction; The Lingayats: The People and their Culture; The Birth of Lingayat Religion; Basavanna: The Vision and Mobilization; Ideals and Institutions; Religion, Ethics and Behaviour; Religion and the Social Structure; Lingayat Religion and Modernization; Bibliography; Index.
Title: Religion & Society Among the Lingayats of South India
Categories: Category Available, test2,
Edition: First Edition
Publisher: New Delhi, Vikas Publishing House: (1983)
ISBN Number: 070692102X
ISBN Number 13: 9780706921021
Binding: Hardcover
Book Condition: Very Good in Very Good dust jacket
Item: 1.00 Item
Seller ID: 19066
Keywords: India Religion


text:
I've been asked to take my game setting, "The Wake", and turn it into a PBTA game. While many people I've gamed with will probably assume this means "moves, playbooks, and 2d6", I don't think it has to, and I've got the author's own words to back me up.
Vincent Baker has written a lot about PBTA, including "Using Apocalypse World to Outline and Draft Your Own RPG". The development process described there resembles the 12 principles derived from the Agile Manifesto in software. I'm going to talk about The Wake in the context of these two documents.
What is the Wake?
The one-sentence pitch I can give you is this:
The Wake is a superficially high fantasy world where the real world and the world of dreams have collided, in ways that are both good and bad for ordinary people.
That which we call "dreams" gives rise to both magic and monsters. Social structures exist to harness this power, but also to protect people from the worst of it. People have been forced into new ways of living to adapt to it, but in other ways, life goes on like normal. The very history of the world is uncertain. So in this sense, the Wake has a lot in common with AW.
The Wake actually started as a Fate game, and you can see a draft of the rules for that version here:
Redesigning the Wake
If we were to strip everything away from the idea of "a PBTA game", from our preconceptions about the individual elements like playbooks and XP and dice, and start fresh, building up from Vincent's onion, what would that look like?
- There's a conversation about how a group of characters survive in a world where dreams can become real.
- There's questions about why we, the players, are playing, and what our characters ought to be doing. The draft document partially answers that: because dreams are wondrous and terrifying and strange, yet they reflect some deep truths about humanity, and the game lets us confront those things.
- Characters' mundane abilities are relatively fixed, but their supernatural capabilities - things like familiar fusion and dream drops - are variable and subject to change.
The Agile Principles give us "Simplicity–the art of maximizing the amount of work not done–is essential". Similarly, Vincent's article classifies things like "there's a GM" as an "accident" of the system. This means we can bring things in from other systems, but we ought do so when they're appropriate.
So what can we say we might need, based on what we know about the conversation that's likely to happen while playing this game?
- The rules of the world are actually fixed (e.g. how the dream and the real intersect and interact), but the contents of the world are deeply mutable.
- The subject matter deserves the broadest possible pool of imagination, meaning all players ought to have some kind of input on just what dreams spring up around the characters as a whole.
- The threats of the world are tangible, if sometimes bizarre, and ought to have dramatic weight on the proceedings.
This suggests to me that a GM-less design is probably appropriate. We want some kind of randomizer, so adopting the 2d6 convention (or another dice system) feels appropriate. Beyond that, looking at the six AW systems, we know we want: Threats, Harm & Healing, and Gear & Crap. We're not sure yet what we're doing about Moves, Playbooks, and Improvement.
Character Creation
Characters can come from a number of backgrounds. Their experiences, skills, attitudes, and so on are stable. Their supernatural abilities, like familiar fusion and dream drops, function dramatically more like equipment, things to be gained or lost as the action happens. So we can eliminate designs that build characters around a particular power set. What does that leave us, as an axis around which to center characters?
- Emotional journey. The characters' motivation, drives, or desires.
- Background. Where the character came from and how that shapes them.
- Role. How the character contributes to the group's success as a whole.
Following the Agile Principle "Our highest priority is to satisfy the customer through early and continuous delivery...", we'd do the next leg of our design by coming up with sample characters, either freeform, or via an existing rule set like Fate, and identifying what kinds of PCs the system inspires in people. At that point we could make a more solid decision.
Threats, Conflicts and Moves
The Wake can be a dangerous world. But much of its danger is the uncertainty or variability of it. Rather than just assigning HP to monsters, we can say this: "surviving or winning an encounter in the Wake often depends on knowing the rules in play for a given adversary". If the PCs are fighting a giant animated teddy bear, knowing the emotions and background of that teddy bear's creation might give them an edge, rather than choosing the right type of weapon (for example).
For more personal or social conflicts, the rules are more humanly recognizable but often still as mysterious or arbitrary. What does the village chieftain really want? What secrets are the Roc Riders concealing? Who is the secretive master of Sensail and why are they trying to hunt the party?
In this case, we can say that our threat system revolves around:
- Identifying threats as such
- Identifying the rules or weaknesses of threats
- Finding ways to exploit or overcome those things
- Surviving the encounter long enough to enact the plan
In this case, we can build our conflict system by taking inspiration from mystery-solving and social rules in other games, or modeling conflict as a puzzle to be solved.
Iterative Process
To go further, it feels like the steps are:
- Get a group of people together for face-to-face (or close online) collaboration
- Present the setting and see what sort of characters are produced
- Start with a 2d6 die roll, 10+ is good, 7-9 is tricky, 6- is bad approach
- Play through a series of interactions and conflicts where the focus is "solve the mystery" and "apply the correct solution"
- Take feedback on what worked, what didn't work, and what gaps we naturally felt
This last point is important. Vincent's article describes the real-world elements of the game (dice, rules, etc.) as the propulsive force behind the fiction. So the question we're trying to answer there are "at what point did the fiction feel laggy or uninteresting, and what rule support could we offer - if any - to brace up moments like that?"
So while I don't know if any of this will happen, this is how I'd go about it.


text:
Alfred AI aims to transform humans into super-humans by strengthening their abilities. It's able to process text and audio specialized in CX in three languages. Spanish, Portuguese and English in which slang and other natural ways of language can be used. By implementing an innovative Machine Learning it understands and answers in a very friendly manner. Alfred AI is not just a bot is also a virtual agent able to respond chats, mails, tweets. FB, Instagram, WhatsApp and a phone call. It integrates with CRMs (Oracle Rightnow, Salesforce, Avaya) and other virtual agents such as Alexa or Siri but not limited to. One of the main difference with competitors is the fact that it only charges whenever a correct answer confirmed by the user is given. If a user states that the answer was not useful or it never answers then it won be charged. Alfred AI is different, is a CX specialist with empathy as main characteristic together with a high level of understanding.
This form of obtaining information from the collective intelligence of a large number of people allows Cleverbot to respond in new conversations by taking into account the context of the conversation typed by a user and searching its database for an appropriate response. It scans its history for every user-submitted response to the given question and replies accordingly, which creates a more human-like conversation with users.
ChattyPeople helps you build custom chatbots for Facebook and Slackbot. The platform can teach you the skills you need to make chatbots. It makes custom chatbots for small businesses, e-commerce, and enterprises. ChattyPeople thus creates, tests , deploys, and manages the bots within the chosen messaging app. It also provides you bot analytics to optimize the customer experience.


text:
From luxury steam train journeys to historic Bath to a Murder Mystery Lunch, LuxuryTrainTickets.com offer a wide selection of luxury train day trips to some of England's most celebrated destinations. With vintage trains, such as the Belmond British Pullman and the Northern Belle, we offer only the most luxurious of rail transport. The Northern Belle departs from numerous locations throughout England, whilst the majority of the Belmond British Pullman journeys depart from London, Victoria, though they are now also offering a handful of journeys that depart from Cornwall.
If you've ever dreamt of an Orient Express journey in England, a steam train day trip or afternoon tea on a train, this is the closest you will get, the carriages of our luxury train journeys in England are of 1920's and 1930's style, with art deco being a huge influence in their makeup. With all our Orient Express journeys in England, come a fine dining experience, which includes silver service, combine with the best British seasonal ingredients. Browse our range of luxury train journeys in England and find yourself a fantastic trip.
Visit the station from the classic movie Brief Encounter and take afternoon tea on a luxury train
Visit the station from the classic movie Brief Encounter and enjoy a fine dining lunch on a luxury train
Take this opprtunity to board a luxury train, enjoy some fine dining and visit Bath Christmas Market
How better to arrive in Cheltenham for the Gold Cup than by luxury vintage train
Take this opprtunity to board a luxury train, enjoy some fine dining and visit Chester Christmas Market
Enjoy Christmas lunch in style on a luxury train journey with silver service fine dining
Fireworks, fine dining and luxurious surroundings combine in this luxury train day trip
This blooming brilliant luxury train journey will take you to Yorkshire to visit the Harrogate Spring Flower Show
Visit Hereford in style and arrive by luxury vintage train
Experience the magic of being in London during the festive season with a luxury train journey
Visit the West End and enjoy a theatre show in this luxury train day trip
Enjoy this culinary joy onboard a luxury train
Make Valentine's Day, even more special this year with a journey on the Northern Belle
Experience one of England's most beautiful cities on this luxury train journey to York
Timings are provisional and subject to network rail confirmation 7 days prior to departure.
Call us on 020 3640 8887 or email us belowCONTACT US
Two Great British traditions align in this wonderful experience
Experience the Golden age of Travel aboard the exquisite Northern Belle
Visit Bath aboard an authentic 1930's steam locomotive
Elegance meets opulence as you visit Downton Abbey


text:
This beautifully kept home has loads of curb appeal, attractive landscaping, and 1200 square feet of bright, sunny living space. The open floor plan includes a large bonus room with bay windows, separate living room, dining area with built-in hutch, L-shaped kitchen with all appliances, master bedroom with private bath, guest bedroom, 2nd full bath, storage shed with laundry and covered carport. The home is located in East Orlandos Fairways Country Club, an active senior community with lots of amenities and a convenient location near highways, shopping, dining and more.
Additional fees for amenities may apply
Four Star Homes is not responsible for quoting current monthly fees, lot rent, or any dues/fees associated with the community or home. Those figures are the responsibility of the buyer and community manager/owner to obtain and disclose.


text:
Jake WeberJake T. Weber (born 12 March 1963) is an English actor, known in film for his role as Michael in ''Dawn of the Dead'' and for his role as Drew in ''Meet Joe Black''. In television, he is known for playing Joe DuBois, husband of psychic Allison DuBois, in the long running drama series ''Medium''.
In 2001 and 2002, Weber was a series regular in HBO's ''The Mind of the Married Man'' and made guest appearances on ''Law & Order: Criminal Intent'' and ''NYPD Blue''. As of autumn 2016, Weber joined the cast, in a recurring role, of ABC's ''Secrets and Lies'' in its second season. After a recurring role on Fox's ''The Following'', Weber has had series regular roles on ''Hell on Wheels'' and ''Homeland''. Provided by Wikipedia
Showing 1 - 20 of 34 for search: 'Weber, Jake, 1964-', query time: 0.11s


text:
Property Details
70 - Branchton/Little Corners/Maple Manor
#2547 Dundas St S, Cambridge, ON, N1R 5S2, Canada
Welcome home to 2547 Dundas Street South in Cambridge. A beautifully updated and maintained bungalow, situated on a gorgeous 0.923 of an acre. This home is located just outside of town in the country side, bringing you a peaceful oasis, while still conveniently close to all amenities. Come home and enjoy views of mature trees and wildlife while relaxing on the large back deck. Or finish projects in the detached 33ft x 26ft (40 amp) workshop. The main floor living offers a spacious living room and open concept dining area, and a fully updated kitchen (2018) with loads of pantry space! The master bedroom, two additional bedrooms, and 5-piece bathroom are also located on the main level. The lower level has so much to offer, featuring a walk out to the back yard, an additional bedroom, loads of storage space, the perfect movie room or office space, laundry room and gorgeous 3-piece bathroom. Many updates throughout the home include new A/C and furnace (2018), carport in addition to the single garage and workshop (2017), and newer roof (2012). With a beautifully landscaped lot and paved parking for over 10 possible vehicles, you do not want to miss your chance to view this home. Welcome home to country living with city amenities!
Auto Garage Door Remote(s), Carpet Free, Central Vacuum, Water Purifier, Water Softener, Year Round Living
Golf, Major Highway, Place of Worship, Public Transit, Quiet Area, School Bus Route, Schools, Wooded/Treed
Listing Provided By
RE/MAX Twin City Realty Inc.
- Katie Kertesz
- 519-740-3690
- 519-721-1600
- 519-740-3690
- 519-740-7230
- email@example.com
- Twin City Realty Inc., Brokerage
- 1400 Bishop Street
- Cambridge, ON


text:
Korean Learner Starter Kit
Not sure where to start?
Get a FREE Korean Learner Starter Kit to help you.
With this Starter Kit alone, you'll be able to recognise and read Korean alphabets. Enter your email to get the Starter Kit!
What's Inside
1. Periodic Table of Hangeul
This is a handy sheet for beginners which gives you a complete overview of Korean alphabets – both vowels and consonants.
To learn how to pronounce them, watch:
How To Read Hangeul by Yoon Ssam
2. Korean Vowels and Pronunciation Template
Using this template, listen to how Yoon Ssam pronounce vowels and write it down in your own mother tongue.
3. Hangeul Chart
After learning how to pronounce Korean alphabets, do go through this chart at least once a day to practise!
4. Pronouns and Markers
Here, you have a simple chart which explores:
I: Subject particles http://bit.ly/yoonssam_subjectparticles
II: Possessive marker http://bit.ly/yoonssam_possessiveparticle
III: Honorifics http://bit.ly/yoonssam_honorifics
Think you know someone who would like this? Share this page!