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FAQ for Getting an EMV Chip Card Terminal
After the current EMV liability shift, you're most likely staring at your old charge card machine and fretting about the cost of getting a new maker. Fortunate for you, the change doesn't need to be a costly one, however it pays to be educated as you consider this crucial upgrade. Right here's just what you should know through a quick FAQ.
Where Can I Get an EMV Credit Card Terminal?
All the same areas you could buy or lease a non-EMV terminal, for the most part. While some merchant companies are informing sellers that "for security reasons" all EMV acquisitions have to come directly from your processing company, this isn't precisely true. The large majority of the time supported EMV makers can be reprogramed just like their non-EMV precursors. While credit card terminal tampering has actually occurred in the past, it is not common as well as is also less conveniently attained with brand-new EMV terminals.Terminals have integrated anti-tampering features to avoid this. Naturally you should purchase from a trustworthy seller, equally as you would certainly for any type of important electronic devices acquisition. However that claimed, your provider is cost-free to either (a) bill a high reprograming charge, or (b) simply choose not to reprogram outdoors makers. While they could reprogram, there's no legislation claiming that they have to. So you might be stuck needing to purchase the maker directly, unless you change carriers. Personally, I believe rejection to reprogram and over-charging for machines is a mark of a deceitful carrier, as well as they may be overcharging you in other places too.
Do I Required NFC to Have an EMV-Compliant Bank card Equipment?
Never! And if you do not believe you'll need NFC, then don't bother obtaining a machine with NFC integrated in. NFC (Near Field Interaction) is the innovation utilized by Apple Pay and also other digital pocketbooks for contactless payments. It could be a godsend for hectic company as adoption increases amongst customers. But a lots of companies actually won't have any kind of usage for it in the near future. That won't quit seller providers from aiming to upsell you on NFC, though. NFC EMV terminals can be substantially a lot more costly compared to standard EMV terminals, so if you do not require it don't get it. You need to at the very least compare rates. Also, if it ends up in a year or 2 that Apple Pay has taken control of the world, that's no problem. You could buy a different NFC visitor without replacing your existing EMV terminal.
What does it cost? Does an EMV Chip Card Visitor Cost?
Not significantly! These terminals are actually not more costly that the old terminals. It will possibly prepare you back $200 or so. You could hire them as affordable as $150, particularly if it's reconditioned. There's no need to join to a pricey non-cancellable lease. If you prefer to rent out compared to own, at the very least try to find low-cost rental alternatives, ideally much less compared to $100 per year. If you want a cordless incurable or an NFC-capable terminal, the prices will be a bit higher. However, for baseline EMV-compatible chip card viewers, it's an attractive minor investment also for a really small business.
Do I Truly Had to Upgrade to an EMV Terminal?
Technically? No. Almost? You probably should. If you stick to your old non-chip credit card terminal, you will still have the ability to run purchases. All chip cards are also equipped with the exact same magnetic red stripe used formerly, so you can still swipe them. The distinction is that if among those chip cards that you swipe is utilized fraudulently, you will now be responsible. The reasoning behind this is that if you had actually upgraded your terminal, the fraud could have been prevented. Therefore you are held responsible. You may be lured to think that your small companies is not likely to be a victim of such fraudulence since it hasn't already occurred in the past. However consider that all of the huge sellers will certainly be updating to the EMV terminals, which is likely to drive scammers to much more at risk electrical outlets, i.e., small businesses. So I do not wish to be a fear-mongerer but also for the rather small company cost of an incurable upgrade you obtain a lot of scams protection. If it stops simply one instance of scams in the years ahead, it has most likely paid for itself often times over.
Do you have various other inquiries concerning chip cards or getting an EMV terminal? Post them in the remarks section and we'll address them! The lower line here is this: For many vendors, it's not that costly or challenging to switch over to EMV equipment and the insurance policy that the button will certainly provide you with is well worth the effort. So begin considering it, and also don't wait till the eleventh hour. I'm anticipating that in the last month before the obligation shift occurs in the US tools providers will certainly be backed up with orders, making the change much less smooth. So there's no time like the present to start checking into chip card makers. It might even be a great time to think about switching over companies if your present provider is trying to rip you off with over-priced tools. All our favorite service providers have really sensible alternatives for EMV-compliant machines!


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Our last destination in Croatia was the touristy town of Dubrovnik. Its Old Town has also been declared a UNESCO World Heritage site and was our area of concentration. At one time this historic town rivaled Venice for sea trade, gaining wealth by trading with Egypt, Syria, Sicily, Spain, France, and later Turkey. Its first pharmacy, opened in 1317, is still operating. In 1667 a devastating earthquake killed over 5,000 citizens. This, coupled with the opening of new trade routes to the east sent the area into slow decline, ending with the conquest of the town by Napoleon in 1806. Dubrovnik later became part of the Habsburg Empire.
With the help of a kind man (who was one of many offering rooms for rent) at the bus station, we were directed to the proper local bus that would take us almost right up to our hotel. Freshened up, we walked down the rather steep hill to Old Dubrovnik. The fragrant scent of blooming jasmine permeated the night air. In front of us, an area was blocked off with police tape. I then spotted a handgun just within the area. Pressed to move on, we continued our walk in the dark past the fancy Hilton hotel and through the Pile Gate.
Old Town at Night
Once inside the Old Town, we were on the beginning of the main pedestrian street called Placa, or Stradun. To our left was the Franciscan monastery and the third-oldest functioning pharmacy in Europe. A sign outside the stone monastery revealed that concerts were frequently held inside. To our right was the huge Onofrio Fountain (1438), its red brick dome contrasting with the dirty grey structure. An orange tree hugged the corner of the city wall and a joining building.
Hungry, we headed towards the fish restaurant recommended to us by the hotel clerk. It was located just off of the Placa in one of the many narrow side streets that contained restaurants, cafés, and shops. After a tasty meal of fish and seafood, we walked through a bit more of the town. Almost right in front of the restaurant was St. Blaise's Church, an Italian baroque structure built in 1715 as a replacement to an earlier one destroyed in the earthquake. Although the majority of the façade was covered in scaffolding, the large semi-circular stained glass window proudly displayed its brilliant hues. At the end of the pedestrian street was the bell tower, with several mechanical figures "ringing" the bell with regular frequency. Halfway down the tower were two clocks, one in a sun ray-like analog design and a unique one below that, with one square showing the hour in roman numerals and the minutes in traditional numbers.
Nighttime in Dubrovnik was a mixture of quiet, but omnipresent pedestrians enjoying the mild temperatures and relaxing atmosphere. After a pleasant walk around the tastefully lit old town, we took a bus up to our hotel.
Tour of the Old Town
The next morning we headed down the hill after breakfast at the hotel. It was the first overcast day we had experienced while in Croatia. Noticing tiny patches of grey-blue and a struggling sun, I hoped that the clouds would clear. Thankfully, this already began to happen as we entered through the open doors of Pile Gate. To the left on the wall was a map of the Old Town showing the damage done by bombs and grenades from October 1991 to May 1992. A man dressed in Venetian-looking traditional clothing stood on the fountain sides, holding out a box of ribbon souvenirs for sale to the many tourists that would pass by during the day.
One of our first destinations was St. Blaise's Church. Inside, the colors of the semicircular stained glass window cast a psychedelic pattern on the white columns. The morning light also illuminated the front altar, where a nun was carefully placing gardenias and Easter lily flowers. The atmosphere inside was tranquil and slightly magical with the mixture of color and light. Shortly after we left, the direction of the light changed, no longer revealing the play of color we had witnessed.
Back outside, the number of tourists had already increased. A large number were from two cruise ships that had arrived, its retired largely American passengers descending upon the town in large groups. Also represented were a large number of French, Japanese, and British tourists.
Walking the City Wall
One of the best ways to get a view of the city was to take a walk on top of the city walls. Even though it was 50 Kunas ($9), we decided it was well worth the cost. Built between the 13th and 16th centuries, these massive walls enclose the entire old city for a distance of over 2 km and 25m in height. Scattered around the walls are two round towers, 14 square towers, two corner fortifications, and a large fortress.
It was fun walking around the perimeter, peering below into walled backyards full of flowers and lemon trees. In other areas, the main wall went right up to homes. The scent of jasmine filled the air. From the wall, one also had great views of the Old Port, Lokrum Island, and Fort Bokar. To the north was a high green hill with a cross faintly visible. It was from here that much of the shelling originated. From above, the damage inflicted upon the city by the Yugoslav army in 1991 through militarily senseless shelling was more apparent. Some buildings were shells without roofs, with weeds overtaking the ruins. Bright terracotta tiles revealed their newness, contrasting sharply with the older worn roofs. In a few spots, restoration was currently underway, but the majority of the work has been completed. Although the restorations were done to reflect the original look of the city, I actually felt that the complete makeover lent a slightly artificial feel.
City Tour
After a sandwich (and expensive soda) at a side street café (where we met some colleagues and family), we went for a walk though the streets of Old Dubrovnik. The sun was now quite warm on what turned out to be another clear day. While on the main street, I met two of the young women with whom I had shared a room at the hostel in Split.
We proceeded to the 17th century baroque Assumption of the Virgin Cathedral. I had already taken photos of the large structure from above and its large stone sculptures on the roof and was eager to see the interior. On the right of the entrance was a grotto dedicated to the Virgin Mary, full of bright artificial plastic flowers, neon green vines, and some wood – a most gaudy sight in my opinion. According to the sign, the grotto was built in 1885 and was one of the oldest in Europe. I couldn't bring myself to photograph it. About the same time, our colleagues also entered the church. We would meet up with them one more time within the contained walls of Old Dubrovnik. Definitely a small place. The three-nave church contained some old paintings in the altars. It also has a large collection of treasures, including gold and silver reliquaries and the skull, arm, and leg of St. Blaise, all plated with gold. The apse was quite magnificent, complete with large rose-colored marble columns, a high chandelier, and a polyptych "The Assumption of the Virgin" (1552) painted by Titian.
One of our next destinations was the 16th century Sponza Palace. Originally it was a customs house, then a bank, and now houses the state archives. Through the large doors was an open courtyard, surrounded by multi-level arched walkways. One room was open to visitors. This was a memorial to the residents who lost their lives in the shelling – up to 200 by some estimates. Black & white photos of mostly men and older boys lined one wall. A large TV played a slide show of the destruction, also largely in black & white. Some of the scenes were quite moving and revealed the level of destruction that actually occurred. Without seeing such footage, it would be easy for visitors to forget that this seemingly intact city was once full of rubble and ruin.
Up the narrow stairs, we made a few pass-throughs of streets parallel to the main street. One street was full of fish restaurants, eagerly waiting for customers. We located the inconspicuous synagogue, the second oldest in Europe, but it was closed.
As we wandered through the tiny streets and city squares, it was apparent how tourist-centered the Old town was. Most businesses consisted of souvenir shops, galleries, ice cream stores, cafés, trendy shops, and restaurants. The open market consisted of souvenirs and a few produce items. Without the tourists flocking to the Old town and the beaches of greater Dubrovnik, I doubt there would be much else contributing to the economy.
Greater Dubrovnik
Having seen most of the Old Town, we hopped a city bus and headed for the beach areas in the Babin Kuk peninsula. The area was rather deserted. Even the shopping area had few visitors, except for an obnoxious dog and its owner. We took a path down to the coast, where two or three people enjoyed the sun. Broken bottles and rubbish littered the area – a great contrast to the rest of Dubrovnik. I guess this area would become more lively and cleaned up during the height of the tourist season. Right now it wasn't very impressive. With not much to see, we took the bus back to the Old Town.
Golden Hour of Photography
Back in the Old Town, things were much quieter than just a few hours earlier. The tourists from the cruise ships had left. As time wore on, the colors of the light became warmer and more dramatic. I retook some photos of the small Onofrio Fountain, with the pigeons bathing themselves on the upper part of the carved structure. The golden light was especially glorious on the columns of the gothic Rector's Palace (1441), revealing the intricate carvings on the tops of the columns. A cat lazily snoozed in the sun next to the column, seemingly impervious to the pedestrian traffic and noise around it. The shadows of the archways cast strong shadows against the inner walls. The decorative upper windows of Sponza's Palace gained an extra level of beauty in the golden light, as did other buildings. It was a good thing I had several memory cards along!
For supper, we ate at one of the fish restaurants on the second row of stairs which we had passed by earlier. They all offered about the same menu and prices, so the decision was made by a flip of a coin. Complimentary drinks including a local sweet desert wine and carafe of white wine was served. Mussels risotto followed a large crisp fresh salad.
After taking some night shots, we took the bus back to the hotel. The next morning after breakfast we took the bus down to the bus station and then off to Kotor, Montenegro, passing through a tiny part of Bosnia on the way.

subset: commoncrawl


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Searching for the perfect luxury romantic getaway in Pinnacle Vista? The Mountain Romance cabin in Galtinburg is secluded yet close to everything romantic: The Space Needle a 400 foot glass elevator that offers a bird's-eye view of our pretty city. Ride the free Parkway Trolley, grab your special someone by the hand and ride around our beautiful city. Snuggle up on the Aerial Tramway where area views don't get any better. Wish for a kiss at the Village Fountain. You get the idea; Romance will definitely be in the air.
Inside, the amenities of Mountain Romance will set your heart a flutter. The table is set for love in the well-stocked kitchen (cook a romantic meal for your partner). Plan on spending a few evening around the Fire Pit, or in front of the Fireplace. The hot tub faces the amazing Great Smoky Mountains and offers lots of bright reds, golds, and yellows in Fall. There is an upstairs loft.
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(CBS) — A cat has been reunited with his family 10 years after he vanished.
It's all because of some dedicated cat-loving volunteers and modern technology.
CBS 2's Jim Williams reports.
Oliver was two years old when he got out of his family's home in northwest suburban Lake Zurich.
The family thought poor Oliver had been hit by a car.
But stories about Oliver's demise were premature.
On Saturday night, Kim Vonesh and other volunteers who trap cats so they can be neutered and released, saw a security guard feeding Oliver and other cats.
"Six years she's been feeding him," Vonesh says.
Did we say this was in Chicago's River North neighborhood? That's 37 miles from Lake Zurich.
"How does that happen?" Vonesh says.
The volunteers got the cats to the PAWS Chicago animal shelter, where folks there found Oliver had a microchip -– and a family.
On Monday night, Laura Kleban – who was 17 when Oliver vanished — saw her cat for the first time in a decade.
"You're just as big as I remember," Kleban told the cat.
Vonesh and the other volunteers emphasize pet owners should make sure their dogs and cats have microchips, even if they're inside pets.


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Alaska Airlines, WA Restaurant Association seek to stop SeaTac vote on living wage, paid sick leave
SeaTac – July 15, 2013: SeaTac voters and airport worker supporters reacted sharply to the news that Alaska Airlines and the Washington Restaurant Association have filed a lawsuit seeking to block the SeaTac City Council from sending the Good Jobs Initiative to voters later this fall. Voters and community leaders question the corporations' motivation in blocking a popular citizen initiative that will give workers in and around the airport the opportunity to make ends meet and get ahead.
The lawsuit from Alaska Airlines and the Washington Restaurant Association asks the King County Superior Court to prohibit "the City of SeaTac and the City Clerk from taking any further steps to place the proposed Ordinance before the City Council for action or any other steps to forward the proposed Ordinance to King County for placement on a ballot for any election."
"I'm appalled that Alaska Airlines is trying to stop SeaTac citizens from being able to vote on the good jobs initiative. What are they afraid of? Why don't they want to share the success of the company with me and my community?" asked Chris Smith, a SeaTac resident and worker at Sea-Tac Airport. Continue reading


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Milkweed pests
Something is eating all the leaves off of my milkweed. I don't know what it is and I don't know how to get rid of it .can you help me?
Here is an article on milkweed pests that discusses pros and cons of treatments. Mainly, several bugs are not a serious risk to the plant and are to be allowed to endure. Any type of spray will discourage monarchs from laying eggs on your milkweed. https://monarchbutterflygarden.net/stop-milkweed-pests-ruining-milkweed-monarchs/
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If you don't have an account sign up for an account now.


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We are still shipping orders daily, but due to the evolving COVID-19 situation, some orders may experience delays. Thank you for your patience!
InnerClean is the ultimate quick detailer that wipes away dirt, dust, and body oils from virtually all interior surfaces, restores a crisp OEM sheen, and protects against harmful UV solar rays.
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Without proper protection against harsh UV sunlight, plastic and vinyl parts can crack and fade. Cleaning and treating interior surfaces with InnerClean infuses them with premium sunblockers and UV rejectors to protect them from degrading in sunlight. InnerClean freshens any interior with the crisp scent of pineapple or baby powder, while enzymatic odor eliminators destroy odors at their source.
5 – 15 Minutes
What Else You'll Need (Optional)
California Ingredient Disclosure - Cleaning Products Right to Know Act of 2017
|Ingredient INCI Name
|Ingredient CAS Number
|Ingredient Category
|Ingredient Function
|Dimethyl Siloxane, Trimethylsiloxy-terminated
|Intentionally added non-fragrance
|Intentionally added non-fragrance
Other Information
Safety Data Sheet (SDS) for this product can be downloaded from our website. Please note that OSHA's Hazard Communication Standard has different disclosure requirements than California's "Cleaning Products Right to Know Act of 2017." Therefore, information listed in Section 3 of the SDS may not exactly match the information in this disclosure.


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Reporting HMDA Action Taken for Conditional ApprovalsWith Kathleen Blanchard
- 1 Video
- 1 Multimedia
- 3 Downloads
- 2.0 hrs
Course description
Reporting conditional approvals for HMDA can be confusing; the types of conditions that are outstanding is a key factor in deciding how to report final action taken. This webinar will help you to understand the reporting requirements, how they correspond with Regulation B, and consider some process improvements that will improve the HMDA reporting process.
This webinar will cover:
the conditional approval process,
what is a conditional approval,
what is a credit decision for HMDA reporting purposes,
types of customary commitment or closing conditions and underwriting or creditworthiness conditions,
is action taken always denied if an adverse action notice is issued,
what is different from pre-2018 HMDA conditional approvals, and
procedures a financial institution can implement to clarify HMDA reporting.
Who Should Attend
Lenders, underwriters, lending managers, compliance officers, HMDA reporting staff, auditors, examiners – anyone who is involved with or needs to understand HMDA reporting.
Course Curriculum
Unlimited, personal access to our webinar library for as little as $167 a month.
Kathleen Blanchard has over 32 years of experience in banking. She has developed lending and regulatory processes as a banker and consultant and presents detailed regulatory training that is very process specific. Her banking background includes commercial and private banking lending, credit review, credit policy and procedures, risk management and regulatory compliance at both community, regional and large international banks.
Kathleen has been providing training and consulting services for banks, credit unions and non-bank lenders on their regulatory compliance processes, HMDA and CRA reporting, process development and training since 2006. She is a Certified Regulatory Compliance Manager and a BOL Guru for BankersOnline.com. Kathleen presents her views and advice on HMDA and CRA and other regulatory matters at her website, www.kaybeescomplianceinsights.com
Since 2015, Kathleen has been delivering in depth regulatory compliance consulting and training via The HMDA Academy, a unique personalized combination of consulting, training and resources delivered online to assist financial institutions and vendors in learning and applying the revised HMDA process and rules going into effect in 2017 and 2018.


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We grow a selection of Alpine and rock plants suitable for rockeries and borders. Most Alpines have a compact habit and will tolerate extreme heat and extreme cold. Plants are hardy and generally easy to maintain, all need free draining soil.
Click on individual plants too reveal details and description
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Chloroquine Sulphate
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Motion is part of the Pixel collection.
Produced: Made in Italy
Material: 100% Silk Chiffon
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Care: Specialist dry clean only; iron on reverse.
We design timeless quality products that will last.
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text: Bill Hagan 131 Report post Posted July 17, 2017 ... or whatever it's close-to-that new name is these days for that iconic moto-gathering place is in north Georgia at Suches. So, on hearing that I'd be in Atlanta this week, JRD here -- who (lucky guy) has a place in Hiawassee -- wondered if we might meet up that way. Hmmmm. Not sure about that. Great roads, new Guzzi, AWOL spousal supervisor? No, I am very sure. I'll be there. So, we did. More pix later -- after I get back from the Apple $tore to see about my dropped and dead MBP -- but here are few. Left Cross Junction early on Saturday a.m. [Kathi the Bastille Day flags after I pulled away] Thirteen-plus hours later -- during which I was the Toyota Toad in the Road for 600+ miles -- I made it to Atlanta. Next day, rode the Stornello to Dahlonega, had a breakfast that would have appalled Kathi ... ... wandered up and over Woody Gap to T.W.O ... ... and found JRD with friends. [JRD is on the right ] Thanks for coming down, Jerry. More soon ... if Apple can fix my laptop. Bill 1 Quote Share this post Link to post Share on other sites


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If you've been tossing around the idea of cosmetic surgery, you most likely have a specific procedure in mind already. At the office of Dr. Robert Aycock, we like to take the first consultation as an opportunity to present you with your wide range of options for surgical and nonsurgical enhancement. Often two or more procedures performed during the same visit or around the same time can give you dramatic results by accentuating features you like and downplaying those you don't.
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The third part has been completed and posted. It took me a little longer than I thought, due to some lengthy editing, but it was a heck of a lot of fun.
I brought it back to semi-modern times and I made the police force small because I think of Fairhill as a small town with a close community. I considered adding a line changing the name of the town from Fairwill to Fairhill as a little joke but took it out!
I'm now handing it off to you, Ken.


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The capital of Madagascar is Antananarivo or Tananarive in French. Antananarivo is the biggest city on the island. The city is situated in the highlands of central Madagascar, and has a surface area covering 33.4 square miles with an altitude of 4,199 feet above sea level. Antananarivo was built on the summit of three hills that connect to form a Y-shape. The city has since grown to cover the hills and the hill bases. The city is bordered to the south and the west by the Ikopa River. Antananarivo was founded in the 16th century and served as the capital of the Imerina kingdom until 1710 when the kingdom disintegrated into four units. The city gained back its status as the capital of the Imerina capital in 1794 and has since retained its status.
According to world population review, the population of Antananarivo in 2017 was around 1.4 million people. 10% of Madagascar's population resides in Antananarivo and several others in the outskirt suburbs of the city - this makes the city the most populous on the island. Antananarivo's population surpasses the population of Antsiranana, Toamasina, Fianarantsoa, Mahajanga, and Toliara cities put together.
Antananarivo has many tourist attraction sites ranging from art to museums and historical monuments. The sights to see include the Rova of Antananarivo, also known as the queen's palace, which is a historical palace that housed the royal family of the Imerina kingdom. The palace was razed down by a fire in 1995 but is currently undergoing renovation. Andafiavarata palace was the prime minister's residence in the 19th century but has since been converted into a museam.
Antananarivo has a subtropical highland climate. Winter is usually mild and dry, and the summer is mostly rainy. The hottest month of the year is January, and during this period there are heavy precipitations. As Antananarivo is found in the southern hemisphere, the month with the coolest temperature is July.
This page was last modified on May 1st, 2018
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Which Country Flag Looks Like the Texas Flag?
Published on 2019-08-29
Flags That Resemble the US Flag
Published on 2019-08-20


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Pinball is one of the old classics in gaming history. Almost everyone knows how to play pinball and have probably enjoyed a pinball game at some point of our childhood. We'll never forget the fun when the steel ball bounces off every complex corner of the machine and lights them up. When the steel ball sometimes gets trapped in obstacles, we panic. The mini heart attack from preventing the steel ball fall off the out hole still excites the inner kid in us. You might even have asked your mom to get you a pinball machine for your room!
Though today pinball is not played as much as it was before, the popularity it had gained over the years and its influence to our childhood are undeniable. It is still never hard for us to see why this game has turned some people into pinball enthusiasts and inspired them to collect best and rarest of all pinball machines.
Just in case you're wondering what are the best pinball machines of all time according to the majority, we've rounded them up for you in this infographic by Pinballsales.com.au.


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Asked Questions.
all bonsai evergreens?
Bonsai literally means tree in a pot or tray. It does
not refer to a specific type of plant material. Evergreens
produce excellent bonsai material, as do many deciduous
outdoor materials (materials which lose their leaves
during winter), and subtropical and tropical materials
(plants and trees that are suitable for indoor growth).
tree died, what went wrong?
its winter, your tree is an outdoor tree, is outdoors
and has just lost its leaves for the winter.
that, what often looks like the ideal bonsai is not
suitable for your particular growing conditions. For
instance, if the tree was a conifer but was kept in
a typically warm house, its ideal growing needs were
not met. Even if it's too cold for you outside,
these plants need the chill of winter months. If you
recently purchased an outdoor plant from a greenhouse,
it's quite likely that it was not readied or
hardened for cold conditions. In this case the plant
should be kept in a bright, cool (below 50F, if possible)
room through the winter and should be brought outdoors
after the final frost.
tree could've died for any number of reasons.
Most likely it was an issue of improper care. Please
see our care guide for more information on the care
for your particular tree.
tree has wire on it, how long should it stay on?
recommend that trees remain wrapped with wire until
the wired branch or trunk can hold the bend that the
wire was used to shape. In some cases small branches
wired during the growing season (mid-spring to summer)
only need wire for a few weeks.
tree is loosing leaves. What's wrong?
you moved your tree recently?
This often causes trees to shed older leaves while
adjusting to new light sources. It is important to
make sure that your tree receives the proper amount
of light. If you're not sure check the lighting
conditions as outlined in our care guide. If you discover
that the tree needs more light, either move the tree
or supplement its light with an appropriate artificial
light source. We recommend fluorescent, mercury vapor,
and sodium lights. Incandescent lights have a limited
spectrum and produce heat that can damage your plants
when too close.
young leaves are dropping, it is often indicative
of a root problem.
In either case, we recommend that you back off on
your watering schedule. As trees lose leaves they
lose the ability to transpire (get rid of water),
and don't need as much water.
do I know when to water and how much should I water?
make sure you know the trees' watering needs.
For that, see our care guide and its watering requirements
section, plants are listed as either moist, moderately
moist, or dry.
tree that likes moist soil should not dry much below
the soil surface. Trees that prefer moderately moist
conditions should be allowed to dry to at least the
middle of the pot and can dry slightly below that.
Trees that require dry soil should be allowed to dry
to the bottom of the pot.
one can say exactly how frequently your tree will
need water. It is a living thing and its needs change
throughout the year. During the short cloudy days
of winter trees may not need as much water as they
do during long sunny summer days. It also helps to
remember that different soil mixes affect watering
an effective little trick. If you are unsure of a
tree's watering needs, take a toothpick or bamboo
skewer and stick it into the soil, making sure that
it touches the bottom of the pot and is located halfway
between the base of the trunk and the edge of the
pot. Leave the stick in the soil and check it before
watering. The level of moisture on the stick will
tell you how much water is in the pot.
just bought a starter plant. Should I pot it as a
bonsai today?
you purchase or move a plant, it's best to give
it two weeks of time to adjust to its new environment
before repotting it as a bonsai. This also gives you
some time to think about what you would like to do
with it. If you buy the tree during the winter season
it is usually best to wait until spring before repotting
or doing anything that might traumatize your plant.
It is best to repot in the spring when the tree is
beginning its growth cycle. During its growth season
the tree will root into its new soil and pot conditions
faster. The tree can be trained, wired, and pruned
in its growing pot. The growing pot and soil also
ensure more growth in a shorter period of time. Bonsai
soil mediums encourage slower growth habits.
Send Them Here:
Woodstock Lane,
Rohrersville, MD 21779
Phone: 301-432-2965
Fax: 301-432-4409
Email: firstname.lastname@example.com


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|Versione per stampa
Italy's Stock of Public Debt, Out Of Control
|New record set at slightly less than 2,080 Billion euro for italian government stock of debt, despite highest fiscal pressure in modern history. Tax burdens income more than proportionally, that in turns results in a reduction of tax revenues. In addition any opening to state-controlled companies by foireign institutions is regularly rebuffed by politicians, on self-interest, basically crimpling any possibility of modernizing Italy's old infrastarctures.
Italy cannot cope with further taxation, this is likely going to be the year where the cpuntry will have to require aids.


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It may be time to trade in your German lederhosen for a Scottish kilt!
Ancestry.com is updating its databases and altering the results for some users. The new findings of ethnic origins has sent some users into a full-blown identity crisis. If you previously had your DNA tested by Ancestry and have already found your family's ethnic origins, you might want to go back to the AncestryDNA web site and check again. The results may have changed.
Some patrons are seeing their prior genetic and ethnic histories undergo an entire transformation, leading users to somewhat jarring realizations.
You can read more in an article by Liam Mannix and Alexandra Gauci in the Sydney (Australia) Morning Herald at: http://bit.ly/2vvGdig.
Comment by DickEastman:
This change in reports shouldn't surprise anyone. In fact, similar changes have happened before at other companies and I suspect we will see more in the future.
As the various DNA testing companies keep adding more and more DNA information, both from their own customers as well as from other, public, DNA studies, the historic DNA information in their databases becomes more and more refined. That's another way of saying that the DNA information becomes more and more accurate over time.
Which results do you wish to believe? The results you obtained a year or two ago that was based on less historic information or the new results available today that are based upon a lot more historic information? Then again, how about the results you might obtain a year or two in the future that are based on still more historic information?
No reputable DNA testing company ever creates a database of historic DNA information and then "seals it" forever and ever. All the DNA testing companies are constantly adding more and more data and are refining their algorithms that compare your DNA results to all the millions of previously-identified historic records. You certainly can expect your test result to be tested again and again as more data becomes available.
I encountered something similar a couple of years ago with a different DNA testing company. The initial test results identified 50% of my ancestors as coming from two adjacent European countries. Those results contradicted my 35 years of manually chasing my family's history without the benefit of DNA. I was convinced those first DNA test results were inaccurate.
About six months later, I went back and checked the DNA testing company's web site once again. Lo and behold! Those 50% of my ancestors had now packed up and moved to a different, but nearby, country. In fact, their "new country" agreed with all the manual research I had found in the past 35 years of poring over written records.
Similar or same test results will probably happen to millions of other genealogists. Please don't be surprised if it happens to you.
Now, how do I cancel my order for a custom-made kilt?


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by Matt Brown
I have a $400 multimeter in my toolbox. I'm not sure why, but at some point in the recent past, I decided I needed to measure voltage with an accuracy of less than one-tenth of one percent and current down to ten microamps. Sitting on top of it, is that red multimeter that Harbor Freight occasionally gives away free with any purchase. Guess which one gets used most often?
by David Zipf
Flat tires suck. They're always a hassle and they ALWAYS come at the most inopportune or annoying times. As a former tire changer/ tire repair man, I've seen all sorts of weird stuff in people's tires: nails, screws, screwdrivers, spark plugs, large chunks of metal (I'm not making any of those up either). In the old days I'd be going to a repair shop to fix my tires, but these days, I just do it myself.
by Nikita Rushmanov
When most people hear the word alignment, they think of two things-- lasers and alignment racks. There is a preconceived notion that in order to achieve an accurate alignment, you need a $50,000 alignment rack. That is simply not true. With a little ingenuity and math, you can achieve extremely accurate alignments without any expensive tooling whatsoever. When racers hear the word alignment, they think of strings and levels.
Have you ever looked at your service manual for a torque spec, only to curse, "What the hell were those engineers thinking?" We certainly have, but there is always a way to get things done by the book. The perfect example of an impossible torque spec is the driveshaft to differential flange on a 240sx. In this case, it's impossible to get a socket on the nut because there is not enough room between the flange and the differential housing. Additionally, the hex head of the bolt on the other side is jammed against the flange, so you can't torque that either. As a result of this, a lot of 240 owners we know never actually use a torque wrench on their driveshafts, instead opting to torque to "2 uga ugas" with an open ended wrench. To compliment this, we've also seen a few 240 driveshafts rattle loose, or in some cases come off completely, punching holes in the floor pan.
So what's the solution? Let us show you!
by David Zipf
You've been using the wrong tool to change your oil filter. Read our latest Wrench Tip to find out what you've been missing out on!
by Mike Kojima
Setting the gap on your piston rings is an important step to building an engine that performs at its best. Getting your piston rings to have the optimal seal is perhaps the most critical aspect of good engine building. Of course you want to spend time assuring that your machine work and cylinder wall finish is correct for the type of rings used but a lot of people neglect blueprinting the ring gap.
If you drive an older car with keyless entry, you will notice over time that the buttons stop working. The general solution is to simply replace the battery. But sometimes that doesn't actually fix anything. Other times only one button isn't working while the rest are. If this is the case, the real problem lies deeper and fortunately, it's an easy fix with some simple tools and about 5 minutes of time.
Fender benders suck. Even a light knock can craze paint, crack light lenses, and put holes in bumpers. While the damage usually isn't structural, replacing all those plastic bits can be a real hassle and it gets expensive fast. And then there's paint: not only do you lose your car, but a respray is never quite as good as the factory paint. Surely, if you have been in a minor parking lot scuffle, there's a better way of dealing with plastic damage than to chuck the bumper and start from scratch? Luckily enough, there is.
by Dan Barnes
It was an epiphany when I walked into a race shop and saw the interior tin work of an under-construction Rolex GT car mocked up entirely in white illustration board, clecos and blue tape. I made a mental note: I can do that! I can even afford that! Now my projects turn out better with the use of old cereal boxes, scissors and tape.
Cleaning small parts can be a real hassle. If you're rebuilding, say, a carburetor, with lots of little jets, needles, and pins and screws, it can be very easy to break or lose something. Some parts refuse to come clean, even when scrubbed with strong solvents (brake calipers are a great example of this). So what's a car guy to do?
MotoIQ Proudly Presents Our Sponsors:


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"The children of the Philippines are worth it," actress and TV host Anne Curtis wrote on her Instagram post when she finished the 42 kilometer London Marathon last April. Anne, a UNICEF Celebrity Advocate ran the London Marathon to raise funds for children affected by the Marawi conflict. She finished the race in 5 hours and 12 minutes.
Initially, Anne planned to raise P84,000 representing her second 42 kilometer run dedicated to the youth. But she exceeded that amount by 603 percent and collected P507,000 in donations. She matched the amount as promised, bringing her total pledge to P1,014,498.
Also Read: Futkal: Bantayan Island Kids Winning in the Game of Life
Marawi City, the capital of Lanao Del Sur, is still reeling from the effects of the May 2017 armed conflict between militant groups and government security forces.
"More than a year later, over 100,000 children remain displaced, are living with host families or in temporary evacuation centers, many unable to return to school," says UNICEF Philippines Chief of Mindanao Field Office Andrew Morris. "A similar number of children who have already returned to their homes in 'cleared' areas of Marawi City remain fearful of renewed fighting and continue to bear the psychological impacts of their prolonged period of displacement."
UNICEF and its partners have done much to address issues brought about by the siege but it's going to take years before Marawi residents return to life as they know it.
"UNICEF calls for a multi-year peace-building and recovery approach for Lanao del Sur, and more vulnerable parts of Lanao del Norte, as well as the expansion of essential services to reach children and women in all communities throughout the province," says Andrew.
It's a marathon with no finish line in sight just yet, but one that Marawi's people will conquer one day with the help of institutions and individuals willing to go the extra mile—literally, in the case of Anne—for them.


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Maria I. Bustamante DMD
Welcome to Seven Star Dental! As the treating dentist of the practice, it is my privilege to care for you. My goal is to listen, guide and support you so that you can obtain optimal dental health and the cosmetic goals you desire.
I live my life by the golden rule and apply it to all aspects of my practice. From the top quality products and state-of-the-art technology to the best continuing dental education courses and a seven star atmosphere. I am happy to deliver the excellent dental care my patients deserve!
Spear Dental Education: 2011- Present
Advanced dental education in restorative and cosmetic dentistry
Advocate Illinois Masonic Medical Center, Chicago, IL (GPR): 2004-2005
Intensive training in areas including: Implants, restorative and cosmetic dentistry, oral
surgery, sedation, internal medicine
University of Kentucky College of Dentistry (DMD): 2000-2004
Associations in Learned Societies:
American Academy of Cosmetic Dentistry
American Academy of Facial Esthetics
Areas of Interest
Veneers Invisalign (clear aligners)
CEREC (same day crowns)
Full Mouth Rehabilitation
General Dentistry
Botox and Dermal Fillers
Office Manager
We welcome you to Seven Star Dental! My name is Maria, and I will be the first person to greet you for your appointment. I am passionate about getting to know all of our patients and making sure they receive quality service and attention from our front office. It is my role to make sure you have everything you need when you visit with us. We love working here, so I know you'll love being a patient here!
Favorite Activities
In my free time I enjoy spending time with my husband experiencing local art and cuisine. I also love traveling and experiencing new cultures.
Dental and Administrative Assistant
Welcome to Seven Star Dental! My name is Ellen and you will see me both in the treatment rooms and in the front office. I assist Dr. Bustamante clinically during your dental procedures, and your comfort is my first priority! I love establishing great relationships with our patients and ensuring a great dental experience. I will also help schedule your appointments and answer any treatment questions both in office and over the phone.
Favorite Activities
When I'm not working I enjoy being outdoors especially during the fall. I enjoy hiking, working out, going to coffee shops and exploring new places. I also have two hedgehogs, Sonic and Morty.


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By Product Type
Primary Antibodies
By Research Area
Frontotemporal lobar degeneration (FTD) and amyotrophic lateral sclerosis (ALS): a short tale of two neurodegenerative diseases.
Frontotemporal lobar degeneration (FTD) and amyotrophic lateral sclerosis (ALS): a short tale of two neurodegenerative diseases.
Neurodegenerative diseases, such as amyotrophic lateral sclerosis (ALS), Alzheimer's disease (AD), frontotemporal dementia (FTD), Huntington's disease (HD), Parkinson's disease (PD), spinocerebellar ataxia (SCA), and spinal muscular atrophies (SMAs), are incurable and debilitating disorders.
ALS (also known as Lou Gehrig's disease) is a common adult-onset neuropathological disease. Typical symptoms include hand and leg weakness, loss of ability to initiate/control movements, and slurred speech. This disorder is marked by the loss of motor neurons in the brain and spinal cord, and atrophy of the frontal and temporal lobes.
The majority of pathogenic mutations are present in TAR DNA-binding protein 43 (TARDBP/TDP-43), fused in sarcoma (FUS; Figure 1), ubiquilin2 (UBQLN2; Figure 2), SOD1 (Figure 3), and also in the non-coding region of C9orf72.
Figure 1. Immunohistochemical staining of paraffin-embedded human gliomas tissue slide using 60160-1-Ig (FUS/TLS antibody) at a dilution of 1:1000 (under 10x lens). A heat mediated antigen retrieval step was performed with Tris-EDTA buffer (pH9).
Figure 2. Rat brain tissue lysate was subjected to SDS PAGE followed by western blot with 23449-1-AP (UBQLN2 antibody) at a dilution of 1:800 incubated at room temperature for 1.5 hours.
You may like: Proteintech's new molecular weight markers for monitoring protein separation during SDS-polyacrylamide gel electrophoresis, verification of Western transfer efficiency on membranes (nitrocellulose, PVDF, or nylon) and for estimating the size of proteins.
Figure 3. Immunohistochemical staining of paraffin-embedded human brain using 10269-1-AP (SOD1 antibody) at a dilution of 1:50 (under 10x lens).
|Ataxin 2
|P150 Glued
|Profilin 1
FTD is a disease caused by progressive nerve cell loss. The majority of cases have brain atrophy in the frontal and/or temporal lobes. FTD is known as young-onset dementia and is characterized by behavioral abnormalities including a decline in cognitive, motor, and language function.
Most common FTD mutations are related to the TARDBP/TDP-43 protein (Figure 4), TAU (Figure 5) pathology, or the fused in sarcoma (FUS) gene.
ALS and FTD have been classified as belonging to the same family spectrum diseases, where hexanucleotide repeat expansions (HRE) of GGGGCC in C9orf72 is a key genetic cause player. Recent studies by Davidson Y et al. have confirmed the high specificity of Proteintech C9orf72 antibodies, highlighting their great value for research and diagnostic purposes.
Figure 4. Immunohistochemistry of paraffin-embedded mouse brain tissue slide using 10782-2-AP (TDP-43 antibody) at a dilution of 1:200 (under 10x lens).
Figure 5. Immunofluorescent analysis of (4% PFA) fixed mouse brain tissue using 10274-1-AP (TAU antibody) at a dilution of 1:50 and Alexa Fluor 488-conjugated AffiniPure Goat Anti-Rabbit IgG(H+L).
|AP Repeat
|GP Repeat
|GR Repeat
|TDP-43 (C-Terminal)
|GA Repeat
|PR Repeat
New drugs should be developed to have neuroprotection properties via the improvement of synaptic plasticity, reduced oxidant and inflammation damage, or rescue mobility dysfunctions.
With an increasingly aging global population, the economic as well as human impact of neurodegenerative disorders is expected to increase unless reliable tools and care strategies can be developed.


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It's about time you put the 6th November in your diary! ? Why?
TAG: Research
Internship Opportunities with Frontier!
- April, 10
- 641
- Current Students, For You, News
- More
Top 10 Resources on The CORE – The Job Search Engine… and all of its extra features
Our next Top 10 Feature on The CORE is the super-functional job search engine. Use this tool to search for jobs sourced by the Career Development team and opportunities from across the country powered by Indeed.
- July, 6
- 1442
- Alumni, Careers Service Colleagues, Current Students, Employers, Events, For You, Graduates, Jobs, News, University Staff, Volunteer Organisations
- More
Unitemps Roles to Check out This Week
Looking for a job for now or the summer holidays? Or maybe something a bit more permanent?
International Women's Day
Today is International Women's Day 2017, a day when people all over the world come together to celebrate the triumphs, development and strength of women, as well as raising awareness of the injustices still being forced onto people across the globe. The objective is to work towards eliminating them and empowering women in their successes.
- March, 8
- 933
- Current Students, Events, Graduates, News, University Staff
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Last Minute
French Country Christmas Decorating from the Dollar Tree
Sunday 12/2/2018
Every morning I'm anxious to read what my blogger friends have to share. Recently many of them have been sharing their own homes decorated for Christmas and some DIY Christmas decorating.
Yesterday I received a post regarding last minute Christmas decorating from the Dollar Tree and was amazed at what they have to offer. You can tell I haven't been in for a while.
It's always sort of razzled my brain at how stores can sell things for only $1.00. What did it cost to make and ship? Doesn't make sense to me. I am however grateful - very grateful because the Dollar Tree just keeps amazing me with their products.
Gorgeous French Country decor that you can simply do with products from the Dollar Tree.
How gorgeous are these boxwood orbs used for the holidays? You can use them in so many different ways, here's just a few.
Boxwood orbs at the Dollar Tree $1.00. These Boxwood orbs at Hobby Lobby $3.99 -$9.99. Even at Ikea there $9.99 for a 7" one.
Beautiful burlap ribbon used on these trees. Try something new this year.
Spool of Burlap Ribbon $1.00 at Dollar Tree. Hobby Lobby for $1.99 - $3.99 a spool.
These gorgeous ornaments are exclusive to the Dollar Tree.
Use whatever size metal bucket you have to sprinkle holiday cheer throughout your home.
Hobby Lobby does have quite a few different metal buckets and I have to say, for not a lot of money - but also not for a $1.00.
Currently, these are $4.99 at Hobby Lobby - Wow!
I can't believe that you can buy a gorgeous white pitcher for just a $1.00. It's unheard of. Hobby Lobby as several of these ranging from $9.99 - $19.99.
Now this wreath wouldn't take much yard to make and I'm sure the Dollar Tree's yarn is much smaller than the kiln that you would buy at Hobby Lobby. But who wants a bunch of left over yarn?
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Business to Consumer (B2C/DHD) furniture transport
Products are collected at a business address (such as an importing agent or furniture retailer) and delivered to a private home or project. Additional services are available. Carefree delivery and service adapted to the circumstances are the key words.
- Two-man delivery service.
- Receiver is contacted for delivery appointment.
- Additional services such as delivery in room of choice, furniture assembly and disposal of packaging.
- Drivers are trained and experienced in handling furniture and fragile items.
- Cash on Delivery is possible.
- Use of rolling equipment especially designed for furniture transport.
- Track and Trace system available.
- One contact person for all B2C/DHD deliveries across Europe.


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International buyer
Our business area Large Corporates focuses on companies with sales exceeding SEK 5 billion.
Lending to international buyers
To borrow from SEK, a company's operations must be linked to Swedish interests and exports. The export industry link can be direct or indirect in the form of subcontracts and the exports may comprise of goods or services.
SEK offers various types of financing solutions tailored to actual needs and is able to finance Swedish exporters as well as their customers abroad.
To a lesser extent, we also offer various forms of factoring services. While borrowers may have Swedish or foreign owners, they must be creditworthy.
When financing Swedish exporters, it may also be possible for SEK to finance a foreign holding company if the loan is used in the Swedish operations. Our loans can be made with short or long tenors and in different currencies — read more about our products under the respective headings above.
A guide to the Swedish export credit system
Contact us
Angelo Morano
+46-8-613 83 74
Andreas Karlegård
+46-8-613 83 92
David Lindström
+46-8-613 83 13
Johan Sverdrup
+46-8-613 88 57
Maria Hultén
+46-8-613 85 34
Per Edlundh
+46-8-613 83 98
Peter Lager
+46-8-613 83 07
About SEK
Financing Guide for Large Export Deals
SEK in one minute


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Home » Culture
Category Archives: Culture
South Africa – A Canary in a Cage?
by Brian T. Lynch, MSW
Having come of age in the 1970's, South Africa holds a special place in my heart. Although I'd not been there before recently, the forced social separation by apartheid laws to reinforced White domination was a global disgrace, and I felt it. I signed petitions to get my college to divest from companies doing business there. Nelson Mandela's political imprisonment was an international affront to justice that bothered me.
The spontaneous street protests in Soweto by Black high school student in the 1980's was inspiring while the fact so many were shot dead shocked everyone.
And so I celebrated along with the rest of the world when Apartheid was finally dismantled, Mandela was freed and the first free elections were held. It was a triumph of the human spirit over oppression and it sent a message of love and freedom to the world.
When my wife and I recently booked a trip to South Africa, we were excited by the prospect of viewing great African animals in their natural habitat, but equally interested to see how this iconic country had fared during their 27 years of freedom.
The safari portions of our trip were spectacular, far exceeding our expectations. The landscapes, the plant life and geography were beautiful and so dramatic. All the people we met were friendly and welcoming. I felt I had come home to our mother continent where humanity itself was born.
Yet it was sad to learn how difficult the transition to self-rule has been for the people in this developing nation. We learned a lot about South African culture and it's politics, much of which is just now seeping out to Western news outlets.
I can't begin to do this topic justice from just a 12 day tour, but I can highlight some of my impressions.
Our tour guide on the trip was a brilliant, very engaging "colored" man (his term) who self-identifies as being from the Khoi-San tribe.
This is actually a joining of the names of two tribes indigenous to South Africa. The Khoi-San are genetically and linguistically among the oldest groups of humans on earth. It was they who Dutch settlers first encountered in 1656. Of course oppression and hardship followed the Khoi (or Khoe pronounced coy) and the San tribes throughout the colonial period under the Dutch, and then the English in the 1800's.
After three-hundred years of colonial rule our tour guide, like most colored people in South Africa, is bi-racial with some Dutch and English ancestry. Colored people were oppressed in colonial times and still are today, although less overtly.
During apartheid, the designation of "colored" also applied to people from India who were brought there as slaves, and to any other group held in low esteem. If a black African wanted to appeal his designation as a colored person, a pencil was pushed through the person's hair and they were told to shake their head. If the pencil fell out they lost their appeal.
The hope of inter-racial harmony and social unity that animated the successful struggle against apartheid in the in the 1970's and 80's has since given way to economic and political oppression by other factions. South Africa has among the greatest wealth inequality in the world. In our guide's telling, it is the black African immigrants from the North who mostly hold the reins of power, Among these are certain dominate tribes, such as the Zulu for one example. There is a social hierarchy among these black African tribes while middle-class white South Africans are not in power and colored South Africans are at or near the bottom.
The degree to which society is stratified along tribal traditions is evident in the parliament where everyone insists on speaking in their own dialect or language despite the fact that virtually everyone speaks English. This means everything said in parliament has to go through interpreters and is fraught with misunderstandings.
Not surprisingly, it is global corporations who appear to be pulling all the strings in South Africa. As we road in our bus for hours from one site to another we saw miles and miles of eucalyptus trees planted in perfectly straight rows awaiting lumber harvesting. We saw miles and miles of other single crop plantings as far as the eye could see. It was corporate industrial farming on a grand scale harvesting crops destined for international consumption. I couldn't help but wonder what native species of animals and plants were displaced by all this cultivated land. I wondered if beautiful giraffes or lions had once roamed here. Does loss of habitat contribute more here to species decline than poaching?
The only small farming we saw was tiny gardens between certain shacks in huge, crowded shanty towns that dotted the lands outside the major towns and cities. On one side of the roadway you might see a square mile or more of closely packed shacks made of corrugated tin or wood planks with electric wires extending down to them like ribbons from a maypole. Sanitation is provided by long rows of outhouses along the periphery of these villages.
On the other side of the road you might see large gated communities of small, brightly colored masonry houses with modest flower gardens and a little driveway. There is razor wire on top of all the walls surrounding these communities. These four or five room homes were described to us as middle class enclaves. Only in the township of Soweto did we see a community where rich, middle class and poor housing existed in proximity.
Poverty is rampant everywhere, even in the wealth city areas. The unemployment rate in South Africa is currently approaching 50 percent. Crime has become an essential activity for survival among some South Africans. We learned that the country has an affordable and extensive railway system which is now plagued by long delays because robbers steal the electric lines to sell the copper.
Evidence of corporate industrial farming and its impact was just as evident in Swaziland, which is an independent nation within the northern mountain region of South Africa.
Here lives the only remaining sovereign king on earth. He disbanded the constitution when he took power and is the sole law of the land. A Western educated man with 13 wives, his most recent wife is just 19 years old. He is also one of the top richest men on earth living in a land of great poverty and very inadequate health care. Many people here still rely on medicine men when they are ill.
As we road through a rural landscape we passed hectors after hectors of sugar cane planted in neat, endless rows. Our tour guide told us all this sugar cane belonged to Coca Cola. Asked if the land was owned by the company we learned that all the land is leased to Coca Cola by the government, which is the Swazi king. Still, every child goes to school and has a school uniform. Parents who can afford it buy their child's books and uniforms while poor parents apply for them from the government.
Back in South Africa the same is not always true. While every child is required to go to school and wear a uniform, in some rural farm areas there is a gap between sixth grade and eight grade. Parents who can afford it send their children to private 7th grade classes. Education stops at the 6th grade for those who can't afford a private school. In this way there is a steady supply of laborers to work the fields.
Water resources have recently become a huge issue in Capetown, a city of twelve million people who are expected to run out of water sometime in April. Water conservation signs are everywhere, starting at the airport. In our hotel a four minute hourglass egg timer was glued to the shower stall to help guests take shorter showers. (Currently the recommended shower time is two minutes, not four).
Almost all of Capetown's water comes from ground water reservoirs. So the environmental cause of this water shortage is a lack of rain due to five years of drought. But there are political causes behind the crisis as well. Endless squabbles and debates in the national government have resulted in years of delay in constructing a desalination plants.
I couldn't get a clear answer as to whether there were sufficient aquifers under the city to dig municipal wells, but an hour's drive south brought us to the wine district what water is abundant.
Here there were reservoirs filled with water as well as ground wells to irrigate the vineyards. There were lush fields of grapes in this fertile valley waiting to be picked and turned into that famous South African wine. Some of these vineyards are over 300 years old.
As my wife and I traveled around and observed all the contrasts and disparities, we got the sense we were not seeing South Africa backsliding towards it's past, but rather a glimpse into our own future here in the United States. A future dominated by corporate servitude and stateless billionaires. South Africa, the cradle of humanity, is a place of awesome beauty and friendly, descent hard working folks. But the politics right now is frightening. The resources and economy of this developing country is increasingly falling under the control of private international companies and powerful foreign states, especially China. It is not unlike what we see happening here in the United States.
These are among my impressions, my cultural snap shots that a camera can't capture. Since we returned home South Africa has been on our minds and in our hearts every day. A beautiful land. A beautiful people with high ideals and aspirations trying to find their way in a world full of economic wolves.
The Promise Makers of Wall Street
by Brian T. Lynch, MSW
Not long ago a dollar was backed by the promise that it could be exchanged for gold or silver. To back up that promise the US gold reserve was established at Fort Knox in Tennessee, for example. The confidence of our people, and of the rest of the world, in our currency was far less certain than it is today. The gold standard was perhaps a necessary step towards establishing the good faith of the US Government.
Look at a dollar bill and you will see that it is a Federal Reserve Note. Before the creation of the Federal Reserve Bank, many banks issued their own currency, or "bank notes". The worthiness of those bank notes wasn't consistent. The Federal Reserve Bank standardized and stabilized our national currency. It's important to remember that the word "note" is another word for an I.O.U. A bank note is a promise that a coin or a paper document can be exchanged for a stated amount of tangible value.
The important point for this discussion is that all currency is a form of debt. A U.S. Dollar is a government backed loan. Our trust in its worthiness has become an intrinsic faith in our government's ability to guarantee its face value. (Which is why the Congressional Freedom Coalition's talk of not raising the national debt ceiling is so dangerous.)
I recently saw "Junk" on Broadway. It is a play partially based on the story of Wall Street financier Michael Milken. It is a cautionary tale of money and corruption. Milken's new approach to finance made him a billion dollars over just four years in the 1980's. He was like a god on Wall Street and all the normal rules didn't seem to apply to him, until he got caught breaking the laws he ignored.
More than that, Junk is the story of the paradigm shift Milken pioneered in how modern bankers and business leaders have come to understand wealth and power. It is a view of wealth that can be summed up by the slogan, "debt is an asset". Specifically, any financial instrument that reliably conveys the promise of value to another person or entity can be used as a form of currency. Government regulated Federal Reserve Notes are no longer central to the exchange of wealth. Nor is any physical collateral or real estate necessary. It seems almost any promise of payment for money owed is sufficient to make financial transactions on Wall Street. These creative financial instruments often have cleaver name and deceptive structures. They are increasingly complex and difficult to understand or regulate. But they all have one thing in common, they are all based on debt. They all create wealth on a promise.
In Milken's case, he began with generating cash by selling very high risk, but high yield bonds and then using those bonds as collateral to finance corporate takeovers. These "junk bonds" (as they are still called) were used like currency to finance "leveraged buyouts" of other businesses. Whole divisions within companies purchased in these buyouts often had to be chopped up and sold off to pay back these high interest bonds.
The charges brought against Milken were ordinary financial crimes, such as insider trading. But his creative financing lead to a whole new banking culture that upended how business was conducted around the world. It has lead to an economic environment where new methods for wealth extraction competes against more conventional methods of wealth creation on a global scale.
The growing methods and culture of wealth extraction transfers wealth but doesn't create new wealth. It doesn't grow or manufacture anything. It only creates more opportunities for the wealthy to grow richer while disadvantaging mid-sized businesses and manufacturers. It is one of the drivers leading us into the next gilded age, but it hard to see just where it is taking us. It is harder still to know what we can do make our economy work for everyone again.
Should I Stand or Should I Kneel?
by Brian T. Lynch, MSW
Are the NFL players who kneeled in protest at the National Anthem to be reviled, or were they being courageous?
Did they insult our nation, or is their freedom to action what our flag stands for?
Were the protesting players disrespectful or patriotic?
These questions vexed the nation in recent days. People argued and took sides. Tempers sometimes flared. Angry posts or tweets were exchanged. And somewhere in a Russian troll farm cyber warriors were smiling.
This National Anthem flap is a perfect example of how we are being manipulated by higher powers in the media sphere every day. Some of the bad actors are foreign, such as the Russia operatives at the Internet Research Agency in St. Petersburg, with its army of automated bots, who took to Twitter once again to polarize our public discourse over the NFL protest flap.
The truth is that Russia has been doing this type of thing for years; Using social media platforms on the internet to post extreme and inflammatory messages on opposite sides of every issue. This is just one of Russia's many methods to sow discord and to splinter our national unity. Their goal: Polarize our politics, widen our political fault lines, pit us against one another and make America ungovernable. Russia is targeting other democracies this way in Europe as well.
But Russia isn't the only player fomenting disunity and despair. They may even be minor players next to some of our own "stateless" oligarchs who benefit from governmental paralysis at every level. These billionaires don't want to pay any taxes, support the public commons or be told what they can and can't do. They are among a oligarchs from around the world who control more wealth and power than most countries. They see self-governing entities as obstacles to be overcome in pursuit of wealth, or as competition in their exercise of power, and some have been messing with our politics and social perceptions for years.
To borrow from a prior article:
… there is strong evidence that the rogue interests of certain Western billionaires and Russian oligarchs have converged. Breaking down the economic barriers that keep wealth and power in check under civilian controlled democracies, and the goal of undermining the strength and unity of Western democracies (strengthening Vladimir Putin's global influence) are essential aligned.
This is the bigger picture. It is a picture so large it's hard to take in and even harder to accept as true. Yet here we are, confronted by a clear case where a foreign power used Twitter to influence the personal conversations we are having with each other.
Mainstream media also has its part to play in this NFL protest story and countless others like it. It is the "for-profit" news outlets that select what we will be talking about tomorrow. NFL players protesting during the National Anthem is a real money topic. It attracts a much wider audience compared to another story about race relations. It's important to remember here that we are the commodity the broadcast media delivers to advertisers. What they choose not to cover, we don't talk much about. A simple internet search for "NFL protests" proves this point. Lost in the hoopla about the flag is any discussion of why there is a protest.
So what was the protest about?:
1. Police in this country kill too many civilians.
2. If your skin is black, you are twice as likely to be one of those killed.
NFL players were trying to bring attention to these issues, one superimposed on the other. On average, police kill about two people per day. For perspective, in all of Great Britain police kill about two people per year. If the rate of police homicides were that low in the US there wouldn't be enough of them to reveal any sort of pattern. But a pattern does exist, and African-Americans are too often the victims.
These same racial patterns come up time and again in the American justice system because we have a pervasive and persistent problem with race. Whether we are looking at statistics about arrests, convictions, incarcerations, police stops, etc., the same pattern is superimposed on the data. Racial disparity, by far, is the more stubborn of the two problems listed above. We do need to address it. The other part of the problem, the high number of police killings, is a more solvable problem. We can all agree that the fewer number of civilians killed the better. That might mean better police training, better vetting of applicants and changes in police tactics or philosophy.
But here's the thing. When we try to have that discussion, the social media platforms light up with extreme, emotionally charged messaging that polarizes our public discourse. Conversations quickly become adversarial. Efforts to separate one issue from another to make problem solving easier are sabotaged. Fake news stories begin popping up to further cloud the issues and crazy websites emerge to sustain the divisions thus created. These are often organized disinformation campaigns to reinforce political disunity. They can be so successful that we sometimes can't even agree on the same set of facts. We get locked into an ideological battle and don't how we got there. We can't see the nefarious forces at work behind the scenes.
To understand how this is happening we have to consider the massive social media platforms though which we can broadly and anonymously communicate with millions of strangers. Never before have we had a cyber presence where everything we write or reveal about ourselves exists forever and is available to anyone. The whole internet is a gigantic, ever growing database that can be searched and analyzed. It's a mercurial universe of ones and zeros. Yet, to an ever greater degree, our world view is molded by our social media experiences. Even as we become more enmeshed in the cyber world, this new medium is increasing falling under the influence of powerful people with weaponized information technologies and the motivation to alter our perceptions, our behavior and our culture. Our vulnerability to manipulation by bad actors has never been greater.
We need to educate ourselves about this new virtual world in which we find ourselves. We have lost control over our public discourse and need to win it back. We have to learn how to recognize when we are be targeted with propaganda messaging and how to resist falling victim to it. We mustn't let our authentic narratives become hijacked by those who would alter our perceptions to serve their own ends? If democracy is to survive, if America is to survive, we have to overcome our differences and fight back against those who want to see our people's Republic fail.
E pluribus unum and Our Call to Be a Beacon
by Brian T. Lynch, MSW
As we fall into the shadows of the propaganda wars raging to divide us, it is more important than ever to hold our focus on the principles and values that united America in the first place. From our founding we were uniquely conceived in the world of nations that existed in the 1700's. We are the first nation built on shared values rather than shared religion, tribe, geography, common language, ethnicity or race. We are still an experiment well conceived, if poorly lead. From the beginning we place the universal needs of human beings and the universal rights of every individual at the center of a system of self-government. From the start, and throughout our history, we are a nation of truly global diversity united by common dreams and shared values.
"E pluribus unum" is our motto. It's printed on our currency. It means "out of many, one." This is the essence of who we are as a nation or, more accurately, what we strive to become as a people. We are bonded by nature to all who hold "… these truths to be self evident." We fought and died in a bloody civil war that tested whether this nation, "… or any nation so conceived and so dedicated can long endure." We are still here. We are still called to be a beacon for a world in which ethnic and cultural diversity is a new and scary transition. If the United States of America can't be both diverse and united after 241 years, if our experiment to make self-government work in a pluralistic society falters, what hope is there for a world where massive cultural migrations are challenging nation identities unaccustomed to such diversity.
In this spirit of unity I recommend this recent article by Rebekah Entralgo in ThinkProgress. It is a brief article that highlights one example where our history and ideals are being undermined.
Online racists celebrated Miller's performance.
Algorithms Hidden Impact on How We Think
by Brian T. Lynch, MSW
Algorithms are powerful programs that increasing influence an individual's world view. Their ubiquitous use may explain our growing political polarity, our growing knowledge gap in current affairs and even why our neighbors seem radicalized. But for impressionable or vulnerable individuals the impacts can be devastating.
Dylann Foot Roof is a case in point. You will recall he was a 21 year old white male who killed nine people in a 2015 massacre at a historical black church in Charleston, South Carolina. He left behind a manifesto that showed he was involved with white nationalist websites on the internet for about three years. A recent report by the Southern Policy Law Center details how Google search engine algorithms served a key part in radicalizing this young man who grew up in an otherwise stable, normal home.
Increasingly, algorithms decide what gets attention, and what is ignored; and even what gets published or censored in our search for knowledge on the internet. It is a powerful force with unforeseen consequences at best. Just as easily they can be used for sinister purposes as well if we aren't careful.
The following are excerpts from a report presented by the Center for Internet and Human Rights (CIHR) entitled, Ethic of Algorithms. It serves as a good primer on what these powerful programs are and can do. CIHR promotes academic research about technology and society to inform public and academic debates.
- Algorithms are increasingly used in hiring (and firing), deciding who gets a job and who doesn't. It is among the most powerful gate-keeping function in society.
- Algorithms influence how we perceive the world, often without us realizing it. by channeling our attention.
- Facebook algorithms decide what we see or don't see. Newsfeed algorithm filters content without our knowing why.
- Facebook won't say how the algorithm works, It's proprietary. Without knowing the exact code, nobody can evaluate how your newsfeed is composed.
- Complex algorithms are incomprehensible to outsiders but they have values, biases, and potential discrimination built in
- Without algorithms many applications would be unusable. We need them to cope with the enormous amounts of data. But we must be aware how they work
- Algorithms are not neutral, but rather they perpetuate the prejudices of their creators.
They must be known to the user
"Since algorithms make increasingly important decisions about our lives, users need to be informed about them. Knowledge about automated decision-making in everyday services is still very limited among consumers. Raising awareness should be at the heart of the debate about ethics of algorithms."
We are already at the point where regulating computer algorithms is essential for our collective well being, yet most people aren't even aware the threats and problems they pose. I know I wasn't until very recently. I hope this brief blog posting and the links above encourage others to explore this topic further.
America at the Crossroads of Crisis
by Brian T. Lynch, MSW
His very name has become a dog whistle for expressing White outrage against growing minority influence in America. Trump! Trump! Trump!
His mantra, "Make America Great Again," resonates with so many White people because they hear, "Make America White Again."
As a country founded by immigrants and supported through slavery and exploitative labor practices for much of its formative years, the growth of a powerful, comfortable middle class in the last half of the last Century seemed like a coming of age. The rise of the middle class after World War II was vindication that our founding principles were virtuous and the diversity of our pluralistic society was our strength. We were now a world power and an exceptional example of a place where merit, innovation and hard work paid off. We were proof that immigrants can do well here. Of course the payoff was always more difficult for minority groups to achieve, especially African-Americans and South American migrants.
But now there has been some fundamental shifts in the fabric of America. The political and economic power of the middle class has been on a long, slow decline for decades. At the same time the population of minority groups and the flow of immigrants from our Southern borders have grown. Minority groups, taken together, make up nearly half of our citizens. Globalization of business has increased competition for good jobs and higher wages while domestic pressure has increased to give minority groups greater equality of opportunity. A bloody clash of cultures has arisen on the world stage adding anxiety for those of us who worry that America is losing its cultural identity. (A growing worry in Europe as well). And all the while, the American majority, made up of mostly White Protestants of Western European distraction, is being stretched and fractured by growing wealth inequality. The wages and ownership interests of most White Americans is declining while wealthy White elites are growing ever richer.
It is understandable that the timing of middle class economic decline and the growth of minority interests would seem like a causal correlation. It is also understandable how powerful interests might exploit this apparent cause-and-effect for their own benefit, but the truth is far more nuanced, and cloaked in deceit. In an ironic juxtaposition, the New York Times published two excellent articles on the same day that highlight both our sad cultural polarization and the sinister impact of inequality on our public institutions.
In his July 13, 2016, article titled, "For Whites Sensing Decline, Donald Trump Unleashes Words of Resistance," Nicholas Confessore writes:
"In countless collisions of color and creed, Donald J. Trump's name evokes an easily understood message of racial hostility. Defying modern conventions of political civility and language, Mr. Trump has breached the boundaries that have long constrained Americans' public discussion of race."
What follows is an excellent expose on the cultural landscape in America. Then in an article titled, "How Private Equity Found Power and Profit in State Capitols," the journalist detail how private equity firms are manipulating state and federal governments to pass legislation even more favorable to their financial interests.
The slow but steady economic decline of the middle class has taken most of us decades to recognize. That it was a planned assassination of the middle class perpetrated by corporate capitalists in the 1970's has yet to sink in. And efforts by the elite perpetrators to distract us from their deeds by blaming the poor and pitting us, one against the other, rages on.
It may be indirectly true that minorities are somehow responsible for the economic decline that White Americans are experiencing, but certainly not in the direct ways as portrayed in the press or on the internet. It isn't really true, for example, that undocumented immigrants are taking away jobs from White Americans. It is true that immigration has created a growing pool of cheap, non-union labor that puts downward pressure on wages. It is also true that the pool of cheap labor has grown exponentially through the corporate globalization of commerce. But the bigger truth is that wealthy corporate capitalists have put us all in an economic vise. Almost all of us find ourselves in that proverbially overcrowded lifeboat that is about to capsize.
We seem to be at a crossroad. We can choose the Trump path to social dissolution and toss as many "others" overboard as we can, or ignore that we in the lifeboat because of the wealthy corporate capitalists (until we sink) or we can link arms to forge a new path that restores democracy and a civil economy for everyone. The only real option is to come together and face down the true source of America's decline, the corporate global capitalists who are hoarding the fruits of our labors.


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Karlheinz Stockhausen died few days ago.
In my opinion Karlheinz Stockhausen is one of the greatest composer born in the first half of the 1900, together with Olivier Messiaen, Dmitri Shostakovich, Benjamin Britten, Luciano Berio, Pierre Boulez and Steve Reich.
Stockhausen's music might be hard to approach and his taste for very spectacular performances has been regarded as megalomany from some critics, as it is the case for the helicopter string quartet where each of the string quartet players has to play on a different helicopter. However his originality and enormous influence on much of later music cannot be mistaken.
I suggest to visit Stockhausen's official website, there is also a section called multimedia with several audio clip from his production.
A video with an example of Stockhausen experimental music can be found on the blog of Ensemble Intercontemporain.
An interview in English to Stockhausen can be found here on you tube. It is worth watching it even if the interviewer's main interest seems to be provoking. My favourite answer from Stockhausen is "I didn't break it, I just left it as it is" when asked on his relationship with classical and romantic music.
"Im freundschaft" for clarinet solo (composed in 1977) is his major contribution to the clarinet repertoire in my knowledge.
Sunday, 9 December 2007
Stockhausen 1928-2007
Karlheinz Stockhausen died few days ago.
Upplagd av Paolo på 09:26
2 comments:
- jodru said...
Check out 'Harlekin'. That's his magnum clarinet opus.
- 9 December 2007 at 18:43
- Paolo said...
Thanks Jodru, do you know of a recording that you would like to suggest?
- 9 December 2007 at 19:53


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Hurray, it's summer! Berlin feels like it's skipped spring and went straight to shorts-and-sunscreen-weather. And what a difference that vitamin D makes! The sun got me itching to change everything! Which would explain why my apartment is an absolute mess of stuff I want to get rid of and new wooden bits that are waiting to be built. Yes, in proper DIY style…
Tag: instagram
Phone stories: Thunder roads
Oh 2017, what a crazy one you've been. I've just come back from a three-week road trip through Canada and the US and finally find the time to go through some of the photos I took in the last few months. I feel like I may have been in a creative hole for a while but I think that was mainly due to the fact that I left little to no time for breaks in between… things. That is now changing, I have an incredibly quiet December ahead of me and couldn't be happier to finally be able to reflect a little on the past year and on everything that's ahead. You'll definitely hear from me before the year ends, there are so many cool photo series and little snippets that deserve to be shared! But first up, here's an Insta round-up of the last few months…
Phone stories: If you wait
I'm sitting outside a bar in Stavanger, Norway right now, the sun is shining on my face and on the pink, blue and orange houses across the street. A delicious craft beer is fuelling my creativity (such a cliché travel blogger moment) and boy, apparently it has been three months since I last said hi on here. Wait, what? Yeah, and I absolutely can't promise it won't happen again. Somebody evidently took a bit of a break from blogging and tried to get out of their Berlin media bubble. I stayed offline whenever work allowed me to (thanks work!), went on tons of crazy adventures that could and perhaps will one day fill entire books. Of course I never stayed off Instagram for that long. So, here's a long overdue selection of snaps from November until April.
My phone tells stories: This is water
I'm travelling to Curacao and Japan this month (eeeeek!) and also find myself (and about five different notebooks) in the middle of two very exciting and intense projects, so my mind has already forgotten about anything that happened between August and September. Luckily dat ol' iPhone's photo roll hasn't. Here are a couple of snaps from Austria (Alps), Bavaria, Austria again (Carinthia), England and mild summer days in Berlin. Also, I'd actually like to show you extracts from David Foster Wallace's speech "This is Water" which has inspired me in so many ways recently. Here is the full piece.
My phone tells stories: Loose ends
I'm currently sitting in the garden of Clärchens Ballhaus, an old Berlin restaurant and dance hall. The birds are chirping, some mosquitos are up for a battle (guess who's winning). I'm trying out Snapchat filters, answering some questions for da Travelettes gang, texting with my sister (it's her first long-haul flight to the US in a few hours and she's all by herself. Crazy stuff. You can do this grrrrl ♥), there a glass of white wine next to me (day-drinking much) and it's the last day of July. It's been a great last three months because for the first time in a while, I somehow managed to shift down a gear or two.
My phone tells stories: One spring I wasn't aware of the fall
I'm struggling a bit to find my routine at the moment because there is none, the only constant is the number of balls in the air that I sometimes manage to juggle better than at other times. I spend about one-third of my time in an office with other humans, one-third traveling and the rest at home at my desk. The latter is currently (and now in particular!) driving me nuts, but fingers crossed it's a phase that will pass soon.
Anyway, back to the reason for this post: A colourful recap of the last few weeks powered by my photo roll. I was at the Leipzig bookfair and if you're German and into books, here's a selection of reads that I've either just finished or that are piling up on my bedside table and don't get the attention (and time) they deserve.
My phone tells stories: Winter magic
Boom, it's nearly March! And March means it can't be long til summer. Take note, Berlin skies! The last couple of months somehow managed to be the close-to-perfect mix of work and play, action and chill, dance moves and naps and home and travel on a silver plate. Yeah, that's a first, I know. I was with my parents over Christmas, took long walks with the dog around Laacher See lake (which I just read a rather interesting article on by accident, not sure my parents are aware of that "imminent danger"), was offline in Norway, worked non-stop in January, got lost and found in Istanbul (and then again, and again) and drove a car again alongside Portugal's coast after a very long time (and then got pulled over by the police with Paul Kalkbrenner in full blast, rockstar game strong).