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The Fair Debt Collection Practices Act (FDCPA) has been passed by the Federal Trade to stop the mistreatment from the collection agencies. Many of them use the tricks and harassment purportedly to get their money back. Companies trouble the debtors in these ways because they don't want to bury the cost of the purchased debt in the ground.
While contacting you the first time, a collection agency has to send you the debt collection letter within the five days, detailing the original creditors. What you need to do if you think it's going wrong. The FDCPA include the possible violations.
The First Source Advantage is an international company with their offices located in a number of cities, including Amherst, New York, India, London, Sri Lanka, Kentucky, and the Philippines. the firm has been into existence for almost 40 years and has 1200 employees. It works with the large scale credit card companies.
The First Source Advantage is accredited with Better Business Bureau, but from the past few years, they have received more than 100 complaints.
Complaints received by the agency for allegedly:-
Under the FDCPA, you have the rights. If you want that the company should stop contacting you, you just need to send a request in writing. After the First Source Advantage receives your request, you need to record the date and time of every call you get because it could be a violation. Remember that ceasing the contact will not allow the cancelation of the debt that you owed.
There are two sources to stop the contact request, the First Source Advantage is allowed to confess that they won't call you time and again or they will take action against you. This is often when they will call you to the court.
During the case, a judge could declare you guilty and force you to pay financial punishments like for trimming your wages, freeze the bank accounts or force your bank to pay the money without your authorization. To fight with these, don't ever miss the orders given by the judge. If you don't go there, the case will be defaulted automatically.
There are numerous debt informational websites which suggest that taking the professional help can guide you into the direction of protecting yourself in the court while supporting your rights and get you the money that you deserve. You can receive 1000$ for every violation of the FDCPA. If you find any signs that the First Source Advantage is abusing your rights, contact FDCPA attorney. An attorney can help you to collect new evidence, guides, and defend you in a court law.
The customer complains are from the Better Business Bureau and Consumer Affairs websites.
Disclaimer: The given content in this article has a clear objective of providing information and one should refrain from using it as a legal advice. If you go for filing a claim against First Source Advantage or any other collection agency, you might not be entitled to any reimbursement.


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Offer: Sales Staff for JANSPORT Boutique – Aparrel
PEOPLE POWER COOPERATIVE – Metro Manila – People Power CooperativeVerified EmployerThis seal certifies that the information and activity of this Employer has been carefully verified by Worksvianet. People Power Cooperative (PPC) is a service cooperative of self-employed and non-regular workers and professionals who wants to improve the quality of their economic lives. Information technology introduces the concept of transforming employees to entrepreneurs in a cooperative enterprise. With expertise of pressing problems such as the issue of contractual workers and their productivity, PPC uses a model which ensures the long – term engagement of these contractual employees via Self Employment. The model eliminates the disadvantages brought about by the current status of employer-employee relationship, thus, the formation of a self-employed worker cooperative. This ingenious solution makes each member enjoy the status of a a self-employed worker by making them co-owners of the cooperative. We all are coopitalists bound by a co… – Permanent – Full-timeApply for this job.

subset: commoncrawl


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Tutor profile: Sarah E.
Subject: Geometry
What is a regular polygon and how do you find the angles and perimeter.
A regular polygon is a polygon where all the sides are equal length and all the angles are equal as well. You can find the angles of any given regular polygon using this formula, $$180/n$$ where $$n$$ is the number of angles in the polygon. To find the perimeter you multiply the single given length by the number of sides.
Subject: Pre-Algebra
How do you find an equivalent ratio? For example, find the number that makes the ratio equivalent to $$3:5$$
A ratio is a comparison of two numbers; for example, a ratio of $$1:3$$ means that for every one object, there are three of a corresponding object. An equivalent ratio is just a multiple of the original ratio; meaning, a ratio of $$1:3$$ is equivalent to $$2:9$$ and $$3:9$$. To find a ratio that is equivalent to a given ratio, you just have to multiply the given ratio by any number. So, an equivalent ratio to $$3:5$$ can be $$6:10$$ or $$9:15$$ etc.
Subject: Algebra
How do you set up a system of equations and solve for x and y? For example, the admission fee at a small fair is $1.50 for children and $4.00 for adults. On a certain day, 2200 people enter the fair and $5050 is collected. How many children and how many adults attended?
To set up a system of equations you have to read through the word problem and select important data. For the example, you have given we have... $1.50 per child (Let X=children attended) $4.00 per adult (Let Y=adults attended) 2200 people entered the fair and $5050 was earned. We can create the first equation using the costs per child, per adult, and the amount earned. $$1.50X+4Y=5050$$ This is read as the children's fee times the amount of children added to the adult fee times the amount of adults is equal to the total earned for the day. The next equation would be simply $$X+Y=2200$$ This is just the amount of children added to the number of adults equal to the total amount of people attended. Now we have the system, $$1.50X+4Y=5050$$ $$X+Y=2200$$ In $$X+Y=2200$$, we can solve for either $$X$$ or $$Y$$. Let's solve for $$Y$$ $$X+Y=2200$$ subtract $$X$$ from both sides $$Y=2200-X$$ Now that we have $$Y$$, we can plug it into the other equation, $$1.50X+4Y=5050$$ $$1.50X+4(2200-X)=5050$$ Distribute the $$4$$ $$1.50X+8800-4X=5050$$ Now we can solve for $$X$$ by combining the coefficients of the $$X$$'s and subtracting $$8800$$ from both sides. $$1.50X+8800-4X=5050$$ $$-2.5X=-3750$$ Then divide by $$-2.5$$ $$X=1500$$ So now that we have $$X$$, we can plug this into the original equation and find $$Y$$. $$Y=2200-X$$ $$Y=2200-(1500)$$ $$Y=700$$ Therefore there were $$1500$$ children who attended and $$700$$ adults.
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Analyzing Procedures for Protecting Sensitive Data
As one of the most pressing concerns in today's C-suite, cybersecurity continues to make headlines with data breaches and the devastating consequences for businesses. The FD cybersecurity team works with organizations of all sizes, across all industries, to address concerns in guarding consumer and employee data, proprietary information and infrastructure.
Our cybersecurity professionals can help you:
- Assess the current state of your cybersecurity program
- Compare your cybersecurity program and related risks to industry benchmarks
- Develop an actionable roadmap to progress from the current-state of your program to a customized, maintainable future-state
Utilizing the AICPA's proposed framework, our teams can evaluate your company's cyber risk management.
- Introducing a New Framework for Reporting on Cybersecurity Risk Management
- New path proposed for CPAs in cyber risk management
Learn More:
Podcast | Culture of Compliance: Dodging Cyber Crime: How to "Stay Woke" in Today's Online World
Podcast | Culture of Compliance: Leveraging Biometrics & Document Data Security: Smart Eye Technology
Podcast | Culture of Compliance: The Virtual CISO: An Emerging trend in Small Business Data Security
Podcast | Culture of Compliance: Utilizing Cybersecurity in Your Risk Management
Podcast | Culture of Compliance – 4 Critical Steps to Cyber Readiness with Pillar Technology Partners


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Anna over at My Life and Kids has just released her new ebook titled 75 Ways to Have More Fun at Home.
It's awesome.
Obviously, there are a bunch (75) of ideas to help you play with your kids and have more fun at home. (At $3.99 for the book, that's a little more than a nickel for each idea. Bargain!)
Most of them are free-ish, require no advance preparation or crafting skills, and can be spontaneously implemented.
What's awesome about 75 Ways to Have More Fun at Home
- Hello… FREE + EASY + SPONTANEOUS
The tip about mid-day baths is priceless – potentially sanity saving. Honestly, there are a dozen or more ideas that qualify as sanity saving.
The book resonates with me. This is from her e-book, but I could have written this too!
I love staying home with my kids – but I also find it can be exhausting, stressful and downright not fun sometimes.
Have you ever heard the saying,
If Mama ain't happy, ain't nobody happy?
Well, I don't know if I fully agree with that or not. But there is something that I know to be true.
If Mama Is Happy – EVERYONE is Happy!
But it's so hard to be happy all the time. This book gives you quick, easy and fun activities you can do in a pinch – even when you're not feeling so happy.
It's authentic. She comes right out and says there are days she just would rather stay in bed. Her princess story is enough to make me wish I still owned my prom dress. I can totally see myself doing that. (Oh wait, I did go to the grocery store in my tiara.)
The book is pretty. (I'm a boy-mom in an all boy home. Anything that includes hot pink is a winner in my world.) Seriously, it's well written and edited and it is easy to read.
It's real. Anna incudes photos from her real life – complete with real household clutter in the background and kids wearing outfits that they assembled themselves. (Um, I may have anonymously submitted a photo or two to her series on Messy Houses.)
There are ideas that fit your family. She managed to find ideas that apply to all kids – not just girls or toddlers or ten year olds.
I guarantee you, there is at least one idea that you could read and implement instantly. No planning, no shopping, no anything. Just read and do.
There is a happy mix of old and new ideas. Some of what she has listed were ideas I'd heard before and forgotten. Some were things I'd even tried before. But there were also a bunch of new and awesome ideas I'd never thought of. Having them all in one easy spot is fabulous.
This book makes me want to play with my kids. It makes it sound fun.
How Did 75 Ways to Have More Fun at Home enrich my life?
We've already implemented a few of her ideas. Sunday was a "just say yes" day for us.
I can't wait to try the toilet paper thing (#40).
My husband and I giggled as I re-enacted Anna's infamous party trick. A little bedroom bliss qualifies under the "more fun at home" heading, right? (stop that. it wasn't like that at all.)
How to get 75 Ways to Have More Fun at Home
Clicking on the title will take you to Anna's webpage (http://mylifeandkids.com). You can purchase an ebook directly from her. It's $3.99.
Or, you can click my Amazon link. I left a review of her book over there too!
Anna and I completed Content Brew together, and I was thrilled to get to know her. Before that class, I had a secret blog crush on her. (guess the secret is out now – ooops.)
When she offered a free copy of her e-book in exchange for a review, I jumped at the chance. You know how I am about playing with my kids.
[author] [author_image timthumb='on']http://thishappymom.com/wp-content/uploads/2012/09/DSC_0036.jpg[/author_image] [author_info]Houston Mom Blogger Susan Baker has a passion for encouraging weary worn out mothers to find joy in everyday motherhood. She has two elementary school boys, one engineering husband, and one cat. She has a strange fascination for eggs, socks, and books. She spends far too much time on Social Media and at Target. [/author_info] [/author]


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italian veal ball, mascarpone, tomato and basil sauce
Cheese, Vegetables and Fruits, Veal
A delightful recipe, rich and creamy veal when added with mascarpone. When mixed with a very accessible tomato sauce... that's a sure shot, here at l'Atelier, or at home.
IngredientsRecipe for 4
Veal ball
Tomato & basil sauce
Preparation time: 45 min
Preheat your Oven at 400 °F
- Mise-en-place
Finely cut the red onion, the garlic and the red pepper. Same goes for the basil.
- Veal ball
Cut the shallot into a brunoise and put it with all the remaining ingredients inside a bowl. Make sure that the farce you are making is homogeneous. In a high heated pan, colour the meatball vigorously while making sure they are still raw on the inside before putting the in the oven for 12mins at 400F.
- Tomato & basil sauce
In a medium stewpot, on high heat, colour the red onions and then add the red peppers after lowering the heat.
After a couple minutes add in the sugar, the garlic and let everything come together for a good 5mins. At low heat, add the red wine vinegar and let the mixture cook until dry. Add in the crushed tomatoes.
Rectify and let the sauce on low heat for 10mins or so.
Taste again and add the chopped basil, off the heat.
- Montage
In a medium bowl, pour in some tomato sauce and then 2-3 veal mascarpone balls. Tomato sauce again, on top. Put a couple basil leaves anywhere you want as decoration.
The tomato sauce, the longer you cook it, the less acidic it will be. Before molding all the balls, take a teaspoon of the mix and put it inside the microwave for 20secs or until fully cooked. That way, you will know what to add for the blend to be good enough to you likings beforehand.


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Live Here, Work Here
Friendswood residents adhere to a belief of – live where you work and work where you live.
Click here to read about Shanna Kirkpatrick and Chara Christian Dance Academy.
Featured in Space City Parent
Experience the joy of music and dance!
Read more on this Chara Dance Spotlight article here.
Featured in Voyage Magazine
Meet Shanna Kirkpatrick of Chara Christian Dance Academy in Friendswood.
Read the article here.
June 3
The Summer Stride
by, Meghan Owen School Director, Chara Christian Dance Academy


text: Abstract Growth is accomplished through cell division, cell enlargement and differentiation, and involves genetic, physiological, ecological and morphological events and their complex interactions. The quality and quantity of plant growth depend on these events, which are affected by water deficit. Cell growth is one of the most drought-sensitive physiological processes due to the reduction in turgor pressure. Under severe water deficiency, cell elongation of higher plants can be inhibited by interruption of water flow from the xylem to the surrounding elongating cells. Severe water deficit stress restricts the photosynthesis by damaging the chlorophyll components (CC) and changing the photosynthetic machinery. Decreased photosynthetic amount under water deficit condition is an outcome of Inhibition of Rubisco enzyme activity and development of ATP. Proline is well known to occur extensively in higher crop plants and accumulates in higher concentration in response to different abiotic environmental stresses specially drought stress. Different types of plant physiological responses have been reported by various Plant physiologists in their findings under drought stress situation.


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Overview of Hostel
Get the real Amsterdam feel and stay in the green heart of Amsterdam! Consume culture, shop till you drop and dance the night away in Amsterdam. Stayokay Amsterdam Vondelpark is your best starting point! This modern Hostelling International hostel is centrally located right in the middle of the famo
From the airport:
Connection Bus 397 from Schiphol to 'Leidseplein', bus runs every 15 minutes and takes you to the hostel in about 35 minutes. Buy a ticket at the driver for € 5 (card only).
From Leidseplein you walk towards the Marriott Hotel. In front of the Marriott you turn left. Take the second street right is Zandpad.
From the Central Train Station:
From the train station you can take tram lines 2 or 12 to Leidseplein; from here you will see the Hotel Marriott; walk to your left when facing the main entry and proceed towards the Vondelpark, we are located on Zandpad 5, next to the main entrance of the park. The walk takes about 3 minutes.
By car:
From the highway (A10) take exit S-106. Follow the signs for Oud-West and/or Centre. At the roundabout go right, still following the signs for Oud-West and/or Centre.
You will drive on the Overtoom; follow this street all the way to the end. Here you will come to a T-junction. Turn right onto the Stadhouderskade. Zandpad is the third street on the right (small street just before the park entrance).
The street is only accessible for cars (no busses). Please note that we don't have any parking facilities in front of the hostel. You are welcome to leave your car in front of the hostel for 10 minutes while you check in and unload..
Located near
We're in a central location, five minutes' walk from the Leidseplein area and close to the museums (Rijksmuseum, Van Gogh Museum).
Conditions & Policy
Age Restriction
Check in starts at 7.30am. Rooms are available from 2pm. Before this, you can store your luggage in a locker for a small fee. We only accept group bookings for a maximum of 8 people through this site. We have a maximum stay of seven nights. - Tourist tax of 7% per night of the cost of the room excluding breakfast is not included. Please pay upon arrival. •Children under 12 years are only allowed on private (family) rooms together with parents. •Children above 12 years but under 18 years are allowed to stay in a shared room, but only in company of an adult •Children under 18 years are allowed in company of an adult. *Please note: Breakfast is not included in the rate, but can be purchased for € 7.00. PLEASE NOTE-Cancellations: If a reservation is made for one or more individuals, the following applies with respect to the cancellation of said reservation: -If the cancellation is made before 3pm on the day before arrival, the guest is not obliged to pay anything to Stayokay. -For cancellation after 3pm on the day before arrival, the guest will be required to pay Stayokay 100% of the reservation price of the first night. Stayokay and Hostelling International members do not receive member discount on this booking. Cancellation policy: 24h before arrival. In case of a late cancellation or No Show, you will be charged the first night of your stay. Check in from 15:00 to 23:00 . Check out before 00:00 . Payment upon arrival by credit cards, debit cards. Taxes not included - occupancy tax 7.00 % per person per night Breakfast included. No curfew. We do not accept customers younger than years of age. Child friendly. Non smoking.


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Cracking the Best Wood Used For Smoking Brisket, Ribs, Chicken, Salmon, Turkey, & Pork
If you've ever had great tasting barbeque, you may not know what all the ingredients are, but your taste buds will let you know that its more than the sauce.
Those who've mastered the art of creating the masterpiece of flavor know that one of the secrets is the smoke. The smoke from the wood is what establishes the flavor.
Knowing what type of wood to use for different types of meat is the key to getting that flavor right. Let's look at the types of wood to use for smoking barbeque ribs, brisket, chicken, salmon, pork, and turkey.
Some of the most commonly used woods in smoking barbeque are fruitwoods, hickory, maple, and oak, and mesquite. Like the way barbeque sauces range from hot to mild, wood smoke ranges from strong to mild. You can fit woods used for smoking meat into three basic categories, fruitwoods, medium, and strong woods.
The milder woods are your fruitwoods, such as apple, peach, cherry, and pear. They are best to use on fish and delicate meats like chicken because of their sweetness.
Hickory, maple, and oak woods are next on the spectrum. Use these woods on pork and some beef and game meats. Barbecue experts like Jamie Purviance claim hickory and oak as his favorite woods to use in smoking meat.
The strongest wood is mesquite, which stands in a category all by itself. Mesquite burns hot.
The type of wood you use depends mostly on what available in the area where you live. For example, alder was the wood traditionally used for smoking meat in Europe. However, oak is being used more often.
In North America, just about any type of wood from fruit-bearing trees are used for smoking meat. In addition to the fruit-tree woods, those that are commonly used for smoking meat include oak, maple, and mesquite.
1. Best wood for smoking ribs
Hickory, a popular wood to use for barbequing in the South, produces a hearty taste that is perfect for cooking pork shoulder or ribs. Hickory wood also enhances the flavor of any red meat or poultry.
Another wood from the South is peach wood. If you are in Georgia, peach wood would be a tasteful option. Jaimie Purviance, a well-known expert on barbeque and smokers, promises to take his customers back to the plantation in Gone with the Wind to experience that good tasking rib flavor by throwing a little peach wood on the coals.
2. Best wood for smoking brisket
For thicker cuts of beef like beef brisket, wood chips can offer a mellow flavor that goes throughout the meat. Since cooking brisket requires you to prepare it longer than most meats, a wood that can produce a flavor that goes throughout the meat is the best choice. Oak is very versatile and is the perfect choice for cooking brisket.
Another option for smoking beef brisket is pecan, which is considered to be a milder version of hickory. Woods like hickory and mesquite that produce stronger flavors are popular for cooking beef brisket. The flavors from these woods are intense, so you shouldn't use too much of it.
3. Best wood for smoking chicken
It's best to use a mild wood for cooking chicken and turkey. The sweet flavors you get from apple, and cherry wood is perfect in this situation.
The woods from various fruit trees can provide a lighter smoke flavor. Leaving the skin on the chicken cooked with applewood can cause it to darken. Other good choices for smoking chicken are maple, orange, and oak.
Both apple and alder are good choices to use for smoking chicken.
4. Best wood for smoking salmon
In the Pacific Northwest, the traditional wood used for smoking salmon is alder. It enhances the fish with a flavor that is light and delicate.
However, if you are in the Northeast, you might want to consider maple wood. Maple provides a heartier flavor. You can also mix in some applewood chips or chunks to get a sweeter taste.
Myron Mixon, who's known as "the winningest man in barbeque, is an American celebrity chef. Mixon likes to use peach wood and other woods like cherry and maple when cooking fish.
Cherry and maple add a bit of a sweet taste to the fish. You can find Mixon on the barbeque circuit competing with his world-famous barbeque recipes. He has won the barbeque World Championship four time. His is also a judge on the TV reality show, Destination America.
Salmon is often grilled on an alder or cedar wood plank. For the plank to five off a lot of smoke, Mixon recommends soaking it for several hours before using it.
5. Best wood for smoking turkey
The same mild wood used for cooking chicken also work for smoking turkey. Cherry and apple can give your turkey a sweet flavor. They are both light enough for turkey meat.
The woods from various fruit trees can provide a lighter smoke flavor. Leaving the skin on the chicken cooked with applewood can cause it to darken. Other good choices for smoking chicken are maple, orange, and oak.
Maple wood also provides a mild smoky sweet taste that goes well with turkey.
6. Best wood for smoking pork
The woods that work best for cooking pork are ones that are light and sweet. These are your fruitwoods like apple, maple, and peach.
When using smoke, you must remember that it's the taste of the meat that you want to enjoy, and not the taste of the smoke. Your fruitwoods provide a gentle flavor that's not too overpowering.
To introduce a stronger flavor in cooking pork, try hickory or oak. If you're feeling a little adventurous, these woods can be mixed with either apple, maple, or peach for a bolder taste. Hickory enhances the taste of almost any smoked meat, including beef and poultry.
Wood is a natural fuel source. The best type of wood to use in smoking meat depends on your personal taste and the flavor you are trying to produce.
The smoke enhances the meat. If you are adventurous, you can try mixing the woods. Hickory and apple or hickory and cherry can make an excellent combination for a flavor.
Although the wood smoke is essential, the barbeque should not be over-smoked. The meat should not be smoked for more than half the cooking time.
In addition to adding flavor, smoking the meat adds to its color. Hickory and oak wood can leave your meats with a rich dark color.


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Media Contact: Alice Ferreira, (203) 578-2610
Milwaukee, July 24, 2018 — HSA Bank, a division of Webster Bank, N.A., released a new white paper today for employers and benefit consultants that addresses the lack of understanding many employees have when it comes to complex health insurance decisions.
According to a recent survey, only 10% of employers are very confident that their employees understand the choices they are making when it comes to health insurance.* Employees may make the wrong decision on health plan based on uncertainty about plan cost sharing amounts, fear of a high deductible or out-of-pocket maximum, or lack of plan evaluation. With so many factors influencing the health plan that is right for a particular employee and their family, it is essential for employers to provide the tools necessary to evaluate plan options, and help them understand the significance of their decision and its impact on their physical and financial health.
HSA Bank's newest white paper, titled Are your employees selecting the right health plan?, provides insight into:
Why employees may choose the wrong health plan
How employees can evaluate health plans to make the best decision for their situation
What employers can do to help employees during the health plan selection process
"It's important for employers to educate employees on health plan selection and teach them how to evaluate plans," said Chad Wilkins, president of HSA Bank. "HSA Bank's Health Plan Comparison Calculator is just one way to help employees make the best decision for their unique situation."
To learn more download the white paper.
*Results from a proprietary third-party survey commissioned by HSA Bank, April 24-26, 2018, surveying 100 human resources and benefit professionals.
HSA Bank is a trusted leader in consumer-directed healthcare (CDH), focusing on Health Savings Accounts (HSAs) for over two decades and serving as both the bank and administrator. Discover how we can support your benefits strategy with our comprehensive account-based health benefit solutions that include HSAs, Flexible Spending Accounts (FSAs), Health Reimbursement Arrangements (HRAs), and Commuter Benefits. With a reputation for outstanding service and thought leadership in the CDH space, we offer one platform and one portal for all of our members. HSA Bank inspires nearly 2.7 million members and more than 35,000 employer groups to own "your" health by making it easy to access, understand, and afford healthcare. As of June 30, 2018, HSA Bank had $7 billion in total footings comprising $5.5 billion in deposit balances and $1.5 billion in assets under administration through linked investment accounts. HSA Bank is a division of Webster Bank, N.A., Member FDIC.
Client Assistance Center
(800) 357-6246
24 hours a day, 7 days a week
Business Relations(866) 357-5232
Mon-Fri 7am-7pm, CT
More Information
© HSA Bank. HSA Bank® is a division of Webster Bank, N.A., Member FDIC.
Learn about FDIC insurance coverage
By accessing you will be leaving the HSA Bank web site and entering a web site hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the HSA Bank web site. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of HSA Bank. HSA Bank shall not be responsible or liable for any loss incurred due to you using this third party site.
Click "Continue" to go on, or "Cancel" to remain at HSA Bank.


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This Boppy Floral Stripe Nursing Pillow And Positioner Pink the gallery form Boppy Feeding Pillow. Hopefully you can find the best inspiration from our gallery here.


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Zhejiang Zhongbo Mechanical Technology Co.,Ltd.(Formerly as Wenzhou Jiangbo Dairy Product Equipment Manufacturing Factory) was founded in the early of 1980s. We are located in Wenzhou, China. Our leading products are MVR( mechanical recompression evaporator)evaporator, multiple effect falling film evaporator, forced circulation evaporator, juice evaporator, multiple effect continuous crystallization evaporator, continuous crystallization salt-making evaporator, pharmaceutical extraction and concentration complete unit, automatic discharging slag equipment, mixing tanks equipment, etc., which are widely used in environmental engineering, chemical, biological, pharmaceutical, food, metallurgy and other fields of extraction, concentration and crystallization.
Our advantages:
Powerful manufacturing capability.90 employees and 10080 m2 factory.
Skilled workers and experienced engineers.
Quality is guaranteed. Price is competitive.
Zhongbo's main products:
-Herb/essential oil extraction concentration unit; Alcohol/ethanol/hexane recovery tower
-Evaporators for food and sewage treatment
-Stevia sugar production line
-Collagen production line
-Production lines for various dairy products (pure milk,yoghurt,soy milk,flavored milk,milk beverage,ice cream)
-Production lines for various beverages (fruit juice,tea,health drink)
-Sterilization machines
-CIP cleaning systems
-RO water treatment
-Stainless steel tanks
-Sanitary pumps
Our quotation is favorable compared with our competitors. Welcome to visit our factory.
Zhongbo factory owns 8 workshops,totally occupying 10080 m2.


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Why you should look aroundSince 2003, Chinese-forums.com has been helping people learn Chinese faster and get to China sooner. Our members can recommend beginner textbooks, help you out with obscure classical vocabulary, and tell you where to get the best street food in Xi'an. And we're friendly about it too.
Have a look at what's going on, or search for something specific. We hope you'll join us.
Traditional vs Simplified radicals
buzhongren, in Chinese Characters


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NUTELLA-aka, the yummiest spread on the planet.
I basically had this brilliant idea to make two nutella cookies [because one isn't enough] and stuff nutella cream cheese between the two. A WHOLE LOTTA NUTELLA GOODNESS. I am telling you, they are simply delightful. True heaven in a cookie. These were such a hit at my party that they disappeared within an hour [clearly some came back for seconds]!
The great thing is, these are so incredibly simple to make! They are obviously not the most healthy of cookies, but every once and a while a girl can eat something delicious!


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More than 60 members and friends of the NB Branch of the Monarchist League of Canada were on hand on February 2nd at Government House in Fredericton for a special presentation to Hon. Graydon Nicholas. The Lieutenant Governor, who is Honourary Patron of the Branch, was the host of the Accession Day Tea, which honoured the Queen's Diamond Jubilee, and he reflected on the success of Jubilee celebrations held across the province.
The League itself was involved in numerous Diamond Jubilee commemorations, including flag raisings, a tree planting, a formal dinner, a childrens' activity day, and a heritage fair award program. The Tea was the last event on the group's calendar celebrating the Queen's 60 years on the Throne. Plans are advancing, however, for events to mark the 60th anniversary of her coronation in June.
As a final gesture to mark the Diamond Jubilee, the Branch presented an historic print to Government House during the February 2nd celebrations. Called "The Heart of Empire," the original painting was commissioned in 1935 to capture on canvas the Service of Thanksgiving held in honour of another Royal milestone – the Silver Jubilee of King George V and Queen Mary. The many people pictured in the foreground include members of the Royal Family as well as representatives from across the Commonwealth who were present for the occasion.
The print was gifted to the Branch in 2012 by the family of the Late Donald Whitcomb of Missouri, USA, and plans were immediately made to have it re-framed and for a suitable home to be found so that it could be enjoyed by a great number of people.
Barry MacKenzie, Chairman of the NB Branch of the League, was on hand for the presentation: "We could not be more pleased to know that this historic print will become a permanent part of the Government House collection and that it will be showcased in New Brunswick's vice-regal residence for all to enjoy."
A second special presentation to Government House was made during the February 2nd event by Christian Cardell Corbet of Riverview, who presented to the Lieutenant Governor a handsome bust of Her Majesty The Queen commissioned by the Canadian Portrait Academy in honour of the Diamond Jubilee.


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The glass body and cleverly engineered surface mounted LEDs of the Integral LED Glass MR16 range give them an attractive look that is very similar to traditional halogen lamps.
These MR16 lamps will retrofit easily into existing fittings and provide significant energy savings and longer lifetime than the halogen lamps they are designed to replace.
- Cool White light
- 400 Useful Lumens (470 Nominal)
- Dimmable
5.2W Glass MR16 4000K - Dimmable
Base Type: GU5.3
Spot Type: SMD with "COB like effect"
Optic: Designed to give a Halogen look
Material: Aluminium, Glass
Construction: Glass with Aluminium heat-sink, Injection moulded diffuser
Length: 44mm
Width: 50mm
Weight (Unpackaged Single Unit): 43g
Lum. Shape: Round
Lamp Fixing: Downlight


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- Arrive at least 15 minutes early to allow for preparation time
- Avoid wearing brightly patterned or reflective clothing, as this may not show up well on camera
- Switch your mobile off or to silent mode
- Speak clearly so your voice can be picked up by the microphone
- Look at the camera, so you can achieve good eye contact with the specialist
- Do not hesitate to ask if you need help during the video consultation
Health Insurance will pay a Pharmaceutical Prescriptions benefit when:
Bupa Health Insurance will not pay for:
- Non-prescription medicine
- Any non-TGA approved items
- Any PBS listed items which have been supplied under the PBS (for out-patients)
HCF health insurance doesn't cover:
- Services that are not delivered face to face, such as online or telephone consultations Pharmaceutical Items not registered and labelled with an AUSTR number on the Australian Register of Therapeutic Goods.
- Registered and labelled with an AUSTR number on the Australian Register of Therapeutic Goods.
Contraindications for medicinal cannabis treatment Products containing THC are generally not appropriate for patients who:
Have a history of hypersensitivity to any cannabinoid or products used in manufacture (e.g. sesame oil). Have severe and unstable cardio-pulmonary disease (angina, peripheral vascular disease, cerebrovascular disease and arrhythmias) or risk factors for cardiovascular disease—THC acts through the CB1 receptors to decrease blood pressure, increase cardiac demand and causes vasodilation. In those who smoke cannabis, there is a four-fold risk of myocardial infarction in the hour following smoking in those patients with unstable ischaemic heart disease. Have a previous psychotic or concurrent active mood disorder or severe anxiety disorder. Are pregnant/breastfeeding—there are some reports of pre-term labour and low birth weight, and cannabinoids appear in the breast milk. Patients with a past history of adverse reactions to cannabis These patients may be able to use a CBD product with no THC. This will depend on the symptoms being treated. Relative contraindications These conditions may not prevent prescribing, though should also be considered by the medical practitioner. Severe liver or renal disease. Drug dependence, including nicotine and heavy users of alcohol or other medications especially other sedatives such as opioids and benzodiazepines Paediatric and elderly patients—little is known about how these patient groups react to cannabis. As metabolism in the elderly is slower it is likely they will be more sensitive to the pharmacological effects of cannabis. Treatment should therefore be commenced at very low doses and adjusted very slowly. Individuals with a past medical history of schizophrenia or family history of schizophrenia may be contraindicated for cannabis use. Cannabis may elicit schizophrenic episodes in patients who are predisposed to schizophrenia. Other Considerations: Patients should not drive or operate heavy equipment while impaired or participate in responsibilities and activities that require focus and attention such as childcare
Care should be taken in prescribing medicinal cannabis products containing THC to patients under 25 due to the potentially adverse effects on the developing brain. A risk analysis should be undertaken prior to prescribing these products.
Products prescribed by our doctors are legal in Australia. They are imported under section 5 of the prohibited substances import regulations and a compliant with TGO 93, the quality standard for medicinal cannabis. Illegal products in Australia may not contain the ingredients they claim.
2 reasons: (1) quality assurance and (2) knowing the dose. The medicinal cannabis products that are prescribed by our doctors have to meet the quality assurance standards that are mandated by the Therapeutic Goods Administration, or the TGA. The TGA is part of the federal Department of Health and they govern all the medicines that are available in Australia. They have mandated a standard for medicinal cannabis products that is known as Therapeutic Goods Order No. 93. This ensures that all cannabis used to make medicinal cannabis products is tested for potency, tested for microbiological contamination, tested for toxins that could come from the plant, tested for any residual pesticides and must come from a 100% natural source. Any other cannabis that is sold in Australia (usually illegally) does not have to be tested and there is no way to know if it is safe to use.
All medicinal cannabis products prescribed by our doctors have to be a known concentration so patients can be sure exactly how much active ingredients they receive with each dose. With this information, a patient can tell exactly how well the product works at the first dose. If the patient needs to increase the dose, they can do this very precisely, to see if the product delivers more benefit at the higher dose. With any other cannabis, there is no way to know how much of the active ingredients are contained in the products. They do not have to be tested. All medicinal cannabis products prescribed by our doctors have to be tested and the analytical results have to be shown to the TGA before they can be used to treat Australian patients.
Patients should not drive or operate machinery while being treated with medicinal cannabis that contains THC. All states in Australia have Mobile Drug Testing.
The NSW Centre for Road Safety website states THC can typically be detected in saliva by a Mobile Drug Testing (MDT) stick for up to 12 hours after use. This could vary for each patient depending on the dose being administered. At this point in time, drivers will be penalised if they test positive for THC at a roadside MDT.
No. Medicinal Cannabis is not listed on the Pharmaceutical Benefits Scheme (PBS).
Why not?
To be considered for inclusion on to the Pharmaceutical Benefits Scheme (PBS), the product must first be registered and approved for use by the TGA. To get approval by the TGA, a company has to submit many clinical trials that take years to complete. Some clinical trials for medicinal cannabis products are underway, but they are many years away from having enough data for a TGA submission.
|Appointment Type
|Fee scheduled
|Initial Consultation
|Post Approval Consultation
|Monitoring Consultation
*Note: if you have had a screening appointment that cost will discounted from the initial consultation cost.
An admin fee of $250 is payable after the initial consultation.This covers the associated costs of making an application to the TGA and the associated back-office administrative duties.
Cancellation Policy
We respect that your time is valuable and we appreciate that you understand ours is too. We have a 24 hour cancellation policy. Any cancellations that occur 24 hours or more before the scheduled time are able to be re-booked at no additional cost. Cancellations made within the 24hr period prior to the time of the booked appointment may result in a cancelled booking fee being applied (which will be equal to the value of the fee for that booking which had been made).
Common conditions include but are not limited to:
- Chronic pain
- Cancer pain
- Spinal pain
- Mood disorders (PTSD, anxiety, depression)
- Arthritis
- Fibromyalgia
- Chemotherapy induced nausea and vomiting
- Epilepsy
- Eating disorders (anorexia, cachexia)
- Multiple sclerosis
- Sleep disorders
- HIV/Aids
- Inflammatory Bowel Disease (crohns, colitis)
- Others
The TGA requires that there is some evidence medicinal cannabis will work for your condition before they approve it, so many other conditions not listed here may be approved, if there is some support in the medical literature.


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In Stock
A 12V 8A DC power supply unit. This unit is equipped with low voltage monitoring clean contacts, mains failure clean contacts and battery low voltage disconnect (deep discharge protection).
The unit contains 2 x output PCB's, one of which is permanently active and one of which is user selectable, for example to be controlled by a fire panel.
Removable PSU sub-plate allows replacement without removing the wall mounted enclosure.
12V DC 8A Large mild steel wall mount Power Centre


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If your Windows network has data that could be of any value to someone without proper authorization to access it, then your organization needs stronger access control. The demand for secure access poses a serious challenge to IT professionals. IT have to balance network security with the need from users for quick and easy access … Continued
Monitor File Changes on Windows Servers
Monitoring file changes is one of the simplest tasks in keeping sensitive data safe but also one of the most neglected areas in many environments. Who accessed a particular file share, and what changes happened? If you're not able to answer this question quickly, you're not alone. FileAudit addresses this weakness with an easy-to-use reporting … Continued
Force Remote Logoff after Idle Time
With UserLock, watch how IT administrators can easily set an automatic forced logoff, on all locked or open machines, after a certain idle time. This can include remote desktop sessions opened by the domain user. Resolving Optimization and Security Issues Fast and fluid access to shared workstations is key to their utility, but … Continued
Windows File Server Auditing with FileAudit
With the limited usefulness of native Windows Tools, FileAudit is a software solution that greatly enhances file and folder access auditing across Windows file servers. Windows File Server Auditing Software When native Windows tools don't cut it, admins turn to third party software to enhance security and ease regulatory compliance. Although Windows Active Directory includes native policies … Continued
Insider Threat Best Practice – without the need for an SIEM solution
With so much news focusing on external attacks, one of the greatest threats to your organization's data security, revenue, and reputation is insider threats. Insiders – employees with access to data that is externally valuable – are responsible for 28% of all data breaches. While 28% may not seem as large as the implied 72% … Continued
What lessons can companies learn from getting breached?
In a sense, getting stung can be the key to taking notice — and maybe that's a blessing in disguise. IT security is a topic often seen as solely the IT department's concern. For management, the means taken to protect the company from cyber-crime can often be viewed as an extra cost to the … Continued
Cybersecurity advice for Higher Education
Information security continues to challenge both large and small institutions alike. According to EDUCAUSE, a nonprofit association of IT leaders in higher education, information security remains the #1 issue in 2018 for the third year in a row. Perhaps this is not a surprise when you learn the education sector has the highest rate of ransomware … Continued
How are Data Breaches Detected
Sometimes the challenge with data breaches is to know they ever happened at all. Take these examples from the 2017 headlines: Company Breach Discovered Breach Occurred Verifone January 2017 mid-2016 Brooks Brothers May 2017 April 2016 – March 2017 California Association of Realtors July 2017 March – May 2017 Forever 21 November 2017 March – … Continued
Why is the Education Sector a Target for Cyberattack?
Year over year, the same industry verticals seem to remain at the top of just about every analyst briefing, industry report, and infographic that are about security, threats, and attacks. Commonly, you repeatedly see Retail, Finance, Healthcare, and Education. But why? Retail and Finance make sense – those are businesses involved with moving people's money (or … Continued
Active Directory User Login History – Audit all Successful and Failed Logon Attempts
The ability to collect, manage and analyze logs of login events has always been a good source of troubleshooting and diagnostic information. Logons are the one common activity across nearly all attack patterns. They provide one of the clearest indicators of compromise to help protect company data and thwart attacks. The need to provide a … Continued


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Students will discover a fun and age appropriate way, different approaches of drawing and composition of images through simple exercises. This practice comes from the observation and the re appropriation of collected images; it will focus on the technical mixtures. They will work on an introduction to traditional media (drawing, painting, collage, sculpture). The students having this activity must have an old t-shirt to be used as an apron during the activity. They can leave it at school until the end of the session. Activity in English.
|Thong lor, Thong lor, Klongtoey Nua, Wattana, Bangkok, 10110 Bangkok Thailand
|(+66) 081 933 9032


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EasiYo. It sounds like a rapper doesn't it?
I acquired an EasiYo Yogurt Maker recently and have been attempting to make my own yogurt in it. The Easiyo maker is technically designed for cow's milk yogurt, but I read somewhere on the internet that you can do soya milk yogurt in it and I wanted to have a go. I like the idea of adding more yogurt in my diet for these reasons|:
1. Calcium. Being vegan and not consuming dairy means I need to get calcium from other sources--I use leafy greens like broccoli and kale as well as sesame seeds in tahini. Now-a-days you can also get calcium fortified non dairy milk.
2. Good bacteria. I'm feeling like some friendly bacteria in my tum would not go amiss.
3. Protein. We drink Oatly brand oat milk and it tastes great, is high in calcium and vitamins but is low in protein. Protein makes you feel fuller longer and so I figured incorporating some yogurt into my lunch/afternoon snack would help me as I tend to mindlessly snack if I am the least bit peckish.
4. I am occasionally still having some menopausal symptoms and soya is very good for that. Is it hot in here or is it just me?
I can buy plain soya yogurt but it tends to have lots of extra added ingredients like fillers and thickeners. Being a DIY kind of gal I wanted to see if I could do it for less money and less ingredients. So I got an Easiyo maker.
In the past I have experimented with making my own yogurt but truth be told it was a helluva lot of time and work and it always came out quite runny. You had to sterilize everything, then heat your milk, the cool your milk (keeping an eye on your thermometer to get it hot enough/cool enough) then pour it into your jar, wrap it several layers of towels, blankets etc and find a warm place like an airing cupboard to put it overnight. All that and it would turn out runny--EVERY TIME. I have now come to understand that it is the nature of soya milk to make a runny yogurt and you just have to drain away unwanted "whey" and leave some tasty "curds" which is why most commercial brands add loads of artificial thickeners.
The EasiYo is pretty darned easy to use. No faffing about with heating the milk. Here is what you have to do:
1. Fill your yogurt container and lid with boiling water from the kettle and toss in a spoon to sterilize. Carefully tip the hot water out and dry with a clean towel. Take out your yogurt culture starter and let it be coming to room temperature. I like to dip the container in the hot water to warm it up a bit before you tip away the water.
|all the bits assembled
2. Get a 1 litre UHT shelf stable carton of UNSWEETENED soya milk (I can get one from between 59p and 79p) --try to get one that contains the least ingredients--some added calcium and vitamins are good but not too many artificial thickeners as weirdly too many thickeners can affect how the yogurt thickens. So can apple juice if it is used as a sweetener which is why you have to buy unsweetened. It needs to be room temperature as well.
3. Slosh some milk in the bottom of your yogurt container and throw in a few blops of plain soya yogurt--one with few thickeners but live cultures. I started my first batch using Alpro (doesn't that sound like a dog food???) but plan to buy Sojasun next time I need it. After you've made one batch you can save some and use that for your starter for about 6 times and then you'll need to buy a small pot of yogurt again.
|Mixing in the sugar, salt and starter
4. Throw in a spoonful of icing sugar. The bacteria needs sugar to help it get going and icing sugar dissolves quickly, unlike granulated sugar which needs to be heated to dissolve. Add a pinch of sea salt.
5. Put the lid on and give it a good old shake to mix it up. Put your kettle on to boil.
6. Pour the rest of the soya milk into the yogurt container and screw the lid on tight.
|I'm baffled about the red thing
7. Push the "baffle" down as far as it will go (that's the red thing--so called, I presume, because you are baffled reading the instructions trying to figure out what they are talking about) and then pour boiling water in to the top of the baffle.
8. Put the yogurt container in and the boiling water magically rises up around the sides, then close the lid of the insulated wonder jug and go to bed.
|go to bed and let the magic insulating jug do its stuff
9. In the morning, take out the yogurt container and open and marvel that it is indeed thicker. Then put it in your fridge and go to work.
|Yo! its yogurt!
10. Come home and pour the yogurt into a clean tea towel or bandana and tie it up and squeeze gently for about 5 minutes until it is as thick as you want it. It sounds like someone having a wee in the sink so if you have bladder issues, go to the loo before you drain or the sound will make you do a wee wee dance. Scrape it back into a container and refrigerate.
|before (all runny)
My mum would say that seems like a lot of work but it isn't really. It was when you had to do all that heating/cooling nonsense. This takes about 5-10 minutes the night before and 5 minutes the next day--less time than it takes to walk to shops, stand in the queue and walk home. The yogurt is creamy and thick, but not from artificial thickeners. I have noticed that each batch has been thicker with less liquid to drain away.
|after ( 500g creamy goodness)
My only complaint is I was hoping that 1 litre of soya milk would make more like a litre of yogurt, but it really makes about 500ml after draining. Shame. But 59p-79p for 500ml is better than £1.50 for 500ml and full of artificial thickeners.
|check out that lovely, thick yogurt
Plus, you can say "I made it myself" which is always good. So here is my rap about yogurt:
I'm EasiYo and I'm here to say
Eat my yogurt every day.
Yo, it's yogurt,
Yogurt's creamy
Yogurt's cool.
I pity the fool
Who don't eat my yo!


text: Weekly Photo Challenge: Earth May 9, 2016May 8, 2016 ~ Jane May 9, 2016 — This week's photo challenge is Earth. On average, turtles live as long as humans, inhabiting the earth for 80 years. Share this:PrintFacebookRedditTwitterEmailTumblrLinkedInLike this:Like Loading... Related Published by Jane A girl trying to live the dream. View all posts by Jane


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Angular.js framework comes with multiple exciting and unique features such as Model View Whatever (MVW) pattern, Form Validations, communication with server, deep links for dynamic pages, data binding and dependency injection, besides tools such as directives and filters. With so many unique features, Angularjs helps convert templates into HTML code, thus eliminating the need to spend more time writing codes manually.
While not underestimating the fact that Angular.js is an open-source software, Relia Software's Product Development teams rely on the tool's most dynamic and usability features that make web application development easier. We suggest the use of Angularjs to create large-scale, complex and performance-based applications with potentially high user load. The framework is a great choice to build desktop-installed applications across Mac, Windows, and Linux systems.
Find a live-in caregiver to stay with your loved one for overnight care jobs.
- iOS
- Android
- Backend
View Case Study
Table Runner
Table runner is a subscription based food delivery startup. We were responsible to build the web and mobile apps.
- iOS
- Android
- Backend
View Case Study
Let's Talk Business
Golden Bee Building, Nguyen Kiem Street, Phu Nhuan District, Ho Chi Minh City, Vietnam.
+84 email@example.com


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A few of the many education sessions with thought leaders in the field include:
- Career Development & Mental Health: Coping Becomes Hoping
- Labour Market Trends in the Age of Disruption
- Design Thinking for Career Development
- Students Perspectives on Careers & Career Development: 2020
- The Power of LinkedIn and Social Reciprocity
- Predictors of Newcomer Employment Success: Evidence and Practice
- Indigenous Career Assessment Tools? Perspectives from Indigenous Counsellors
Interested in a more interactive session? Check out the 3 sets of Carousels taking place in the Plenary Hall. Carousel sessions are a great way to learn in a less formal setting. Presenters speak for 30 minutes then delegates rotate to another table. You get to choose two presentations within the 75-minute block!
Register by November 6 to save
Receive a 10% discount as a member of 34 supporting organizations!
Early Bird rates with both 3-day ($550) and 1-day ($275) options are now in effect for Cannexus20! Take advantage of additional discounts for members of supporting organizations, presenters, students and groups (so bring your team!).
The Early Bird deadline is Wednesday, November 6, 2019. Don't forget to consider adding a pre-conference workshop when you register!
Need help to Convince Your Manager to send you to Cannexus? We've compiled some helpful tips and a sample request letter.
Exhibits are almost sold out!
See the opportunities for profile to fit every budget in the Exhibitor & Sponsor Prospectus.
For more information on sponsoring or exhibiting at Cannexus20, contact Sandra Francescon at email@example.com or 416.929.2510 x126.
Reserve in our hotel block while you still can!
Rooms will sell out quickly!
Featured Hotel: Novotel Ottawa
Call for Volunteers
- Gain valuable volunteer experience. Whether you are interested in event planning or career development, volunteering at Cannexus will give you ample volunteer experience
- Connect with over 1,200 professionals from the career development, education, community, government and the private sector
- Expand your knowledge of career development and best practices from across Canada
- Network and attend sessions when not volunteering
Graduate Students at Cannexus
Did you know that CERIC provides support for graduate students in career development or related fields to attend Cannexus? Read about this year's Graduate Student Engagement Program (GSEP) Award recipients.
Graduate students are also invited to present posters at Cannexus to highlight their research.
What to expect at Cannexus20, Canada's largest bilingual National Career Development Conference
- Inform and invigorate yourself with engaging keynotes from Zita Cobb, Tristram Hooley & Natan Obed
- Enhance your experience with skill-building pre-conference workshops
- Participate in collaborative dialogue with colleagues at World Café (more details soon!)
- Learn about the history of Indigenous peoples in Canada with the powerful KAIROS Blanket Exercise
- Be inspired to think differently with TED-style talks at our Spark! Luncheon


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Neratec Solutions AG is offering interesting positions to motivated engineers with a background in one or more of our main technical domains:
- embedded software engineering
- analog and mixed signal hardware design
- wireless technologies
We offer a casual, open work environment, an international setting, plenty of responsibility and opportunities for personal development.
Sorry – no open positions at the moment.
- Robust and reliable IEEE 802.11n based solution for train-to-ground
- In-house developed software and hardware optimized for special requirements in transportation and industrial applications enabling unique Long Term Support, Avail-ability and Obsolescence manage-ment
- Advanced RF front end enables optimized operation nearby other WLAN/3G/4G networks
- Guaranteed performance over the operating temperature range
- Excellent performance and flexible installations in harsh industrial and mobile environments
- 2.4 GHz and 5 GHz operation
Key Features
- Configurable as Access Point or Client
- High output power and fast handoff support
- High-Speed communications, Data rates up to 450Mbit/s
- Better link span based on optimized transmitter and receiver performance
- Supports remote updates for device settings and firmware downloads
- Robust DFS (Radar detection) features
- Outdoor-proof solution
- EN50155 compliant
« Automatic failure recovery »
Neratec Solutions AG
Rosswiesstrasse 29
CH-8608 Bubikon


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So will the U.S. Fed begin to raise rates at their next meeting, December 2015 with Canada following soon after? The Fed is not answering the question but is leaving room to wiggle: "The Committee currently anticipates that, even after employment and inflation are near mandate-consistent levels, economic conditions may, for some time, warrant keeping the target federal funds rate below levels the Committee views as normal in the longer run." (FOMC Oct 28, 2015)
Hello Japanada. I think what has to happen before rates rise is that inflation has to show up in wages alongside of higher employment rates and then we will see the general CPI overtaking the target mandate (2%-ish). Look again at the top chart comparing Canada, the U.S. and Japan... the 3 plots are similar rising and falling in concert and the question is, will the U.S. GDP start going negative. There is a good chance of it because the USD continues to strengthen against other currencies and the net trade deficit year to date increased 3.9% Y/Y as exports decreased 3.8% and imports decreased 2.4%. (US BEA, Nov 4, 2015).
Meanwhile in Canada average earnings are under pressure. (my Earnings & Employment page)... and credit creation is stalled.
The chart above are the Canadian 90+ days delinquency rates. Trouble spots continue to be auto loans and credit cards. The average auto loan climbed 2.87 per cent from a year ago to $19,649 while the average credit card debt was up 3.04 per cent to $3,745.
I did a back of the napkin ownership cost on a mid range vehicle ($49,000 plus taxes, fees and documentation of $6,500) financed with 10% down and only 2% financing over 3 years. That $49,000 car ends up costing close to $60,000 by the end of the third year and has depreciated by 50% to be worth only $30,000. If the car is sold in month 37, the cost that the consumer has paid is approximately $833 per month to drive a new car for 3 years without even adding in maintenance ($100/mo?), insurance ($100/mo?), parking ($100/mo?) repairs ($?) or disposal cost ($?) of the vehicle.
I belong to Vancouver's best and biggest car sharing non-profit society MODO and my cost for having access to over 400 vehicles as well as using taxi's and public transport is less than $150/month for two people.
While we wait for StatsCan to release new national economic monthly data beginning September 1st and for the various Canadian metro real estate boards to publish their sales and price data later in the week, here are a few charts (above) tracking inflation data. Since the 1980's inflation highs in Canada, the U.S., Germany and Japan the inflation trend has been falling and now flirting with negative rates. The MIT Billion Prices Project is indeed in a negative state Y/Y.
Governments and the private sector want inflation to offset the cost of converting debt into equity, but Mother Nature is not obliging. As I reported last June "We are leveraging the lowest priced credit for the most expensive non-productive real estate at the worst possible time in history.
Over at Bloomberg, Tom DeMark talks about the outlook for the Chinese and U.S. stock markets. "...we're heading into that period of the year when the market is susceptible to market declines September and October."
Chart Above: The biggest stock market declines since the 1980s:
Show me the Money
The Federal Government may announce a "balanced budget" going into the next election call but unless Canadian employees can reverse their debt to income ratio trend by either lowering debt or raising income, householders along with the Federal Managers will not be participating in productive economic spending in any big way.
Deutsche Bank reveals 7 reasons why 'Canada is in serious trouble,' starting with a 63% overvalued housing market. Financial Post, Business Insider, Andy Kiersz, January 8, 2015
If Treasury Yields are a measure of price and wage inflation, it's just not happening.
Government Spending
The top panel shows Canadian Government Spending vs Labour Force Participation and the lower panel shows Canadian Jobs Added on an Annual Basis all since 2008.
The two biggest line items of Federal Government Expenditures as of 3Q 2014 are:
Government spending on itself and the household sector combined with ultra low borrowing rates have not yielded growth in Canadian Labour Force Participation.
Jerry Maguire - Show me the Money
Canadian Rent
Rent vs Buy
In preparing for my recent BNN Interview (July 9th) the producers sent some queries in advance of the spot; one was "Is it time to rent or buy?". We never covered it on air but my response would have been:
It's always a time to rent or buy unless you're Hikikomori.
One should look at the fundamentals of one's present balance sheet and not rely on past performance or future speculation. If you are risk averse then buy or rent what you can pay for if the scenario of your household income were to suddenly drop. Contingencies are for the unexpected. Two income households may have a cushion, one income households have a greater risk.
I mashed up the chart above from Mercer via ZeroHedge which shows the high rent cities (petro-finance-centric) and I included Manhattan averages with or without doormen as well as the 3 hot Canadian markets of Vancouver, Calgary and Toronto.
The fundamentals don't support buying in Vancouver, Calgary and Toronto especially since interest rates are at a low (will they drop?) and rents and resale prices are at the highs (will they rise?).
There is little room for improvement on cash flow unless buying hot market real estate to rent out has some potential for improving the ability to increase the revenue. As I demonstrated in my case study last year of buying a Vancouver condo for investment, the risk of a negative return is only going to be alleviated by a 25% reduction in purchase price if comparison to a 10 year bond is rational. Also last year at the time of the study, inflation (CPI) was running at half of what it is today; a rising CPI erodes the bottom line.
The Future
Group Think
Canadians who import a lot of their news from U.S. wires and depend a lot on trade with the U.S. have a similar negative view about their children's future; nearly two thirds of respondents in a 2012 Pew Research poll in both countries believe the next generation will be financially worse off than themselves. Germans believe the same.
Three quarters of the British and Japanese and 90% of French respondents are bearish. On the flip side the bulls live in China, Brazil and Russia.
Hat Tip to Barry Ritholtz
Fed Stress Index
What, me worry?
Messieurs Poloz, Flaherty, Carney, Bernanke and Madame Yellen et al are all on the record warning about leverage and the cost of it as a major risk going forward. Chris Kimble makes an interesting observation that the St Louis Fed Stress Chart is at the lowest historical levels just as it was in 2007 and 2000 when the S&P 500 was at its highest.
The North American story is that the U.S. economy is growing, recession has been averted, the business cycle is risk-back-on and Canada as a satellite exporter to the U.S. will participate in the new joyful inflation as central banks raise rates to make sure we all stay within the 2% CPI target and not get too hot nor stay too cold. Mr Harper continues to assure that the government will evaporate the deficit by 2015 (government workers are advised to start looking for private sector employment).
Aw shucks, all is calm, all is bright in the kingdom of managed inflation so keep buying more stuff because prices are going up; but just a little bit, 2% per year, no big deal. Rates might go up 25 beeps or so, but no big deal. Your employer can hardly wait to get pricing power advantage and more productivity out of you so he can raise your pay packet and not lose you to the head hunters in Alberta.
Wait a minute; the "risk" of rising interest rates is not really the BIG risk that central banks of countries, who are autonomous issuers of their own non convertible currency, lose a lot of sleep over lately. It's the "D" word that provokes insomnia in government and the private sector. As Chris Kimble points out in the chart above, the stress at the Fed could not be much lower than it is today and sleep should be effortless. But what if asset valuations decline? Is that not the greater risk over time?
Japan: Here is what 30 years of low interest rates looks like; and here is the effect on assets and behaviour.
Canada vs Ireland
Timing is Everything
Now that we are on the seasonal down ramp into the 2014 spring bottom for sales and listings, it might be worthwhile for those Canadians who are heavily debt encumbered to look at what happens to a "C" class income generating country after their real estate bubble gets pricked by a swift change in buyer sentiment.
As for The Irish Miracle "The case is clear: an economically challenged government, perniciously influenced by the interests of the housing lobby, blew it. The entire Irish episode will be studied internationally in years to come as an example of how not to do things." (David McWilliams Irish economist writer, broadcaster and journalist)
News Item CNN November 14, 2013: Three years after turning to the EU and International Monetary Fund for €85 billion in aid, Ireland is poised to become the first bailed-out eurozone country to make a full return to financial markets.
Notice the polar opposites of the U.S. (B Class GDP) and Japan (D Class GDP) since 1Q 2000 when the DotCom bubble burst; they also experienced severe housing price deflation; Japan's slide began a decade earlier. Timing is everything.
Wealth Changes
Lecturing birds how to fly
The October 2013 Credit Suisse Global Wealth Databook contains lots of comparitive charts on recent national and global changes in wealth. This one shows the change in household wealth between 2012 and 2013. The authors point out that since 2000, Canadian per capita wealth has been rising at about 3.7% Y/Y after discounting for exchange rates.
Relative to the U.S. Canada has a more equal wealth distribution with both a smaller percentage of people with less than US$10,000 and a larger percentage with wealth above US$100,000 and the Canadian wealthy account for 3% of the top 1% of global wealth holders, despite having only 0.5% of the world's population. So far so good.
But look at the inset chart of the Canadian Trade Balance; since the pit of gloom in March 2009 the advances in wealth measures are at the expense of Canadian export production. We are not producing and selling stuff to other nations as our main activity.
As Credit Suisse points out; financial assets account for more than half of household wealth and so with fire sale credit available, Canadians have been deriving their wealth by consuming on margin fueled by their cohort bidding up financial asset prices. Indeed this wealth created by consumption is subject to all the agents continuing to agree on rising valuations. There is no room for depreciation in the model.
The plan might have looked good on a policy paper, but capital flight is not anchored to a national border and as it becomes more concentrated in fewer hands, it can very quickly flow towards markets that are deemed more exploitable. As Nassim Taleb conjects:
We have the illusion that the world functions thanks to programmed design, university research, and bureaucratic funding, but there is compelling—very compelling—evidence to show that this is an illusion, the illusion I call lecturing birds how to fly. Nassim Taleb "Antifragile: Things That Gain from Disorder"
Stocks vs Housing
Asset Bubbles Correct
We have lot's of "Eiffel Tower" price patterns to refer to that have a fully formed right side to the tower; Japan is a classic with a multiple decade reversion.
I have lined up the peaks of the Japanese, U.S. and Canadian stock markets with housing index overlays.
The Canadian pair looks to be at a crossroad and according to a Statistics Canada medium growth projection, net immigration along with net birth-death may also have a right side reversion.
Canadian GDP Update
Said the Canadian Finance Minister Mr. Jim Flaherty to the question: "How much of a kick are we going to take on the revenue side because of lower nominal GDP?"
"Significant, it's significant." I watched the interview over my usual morning bowl of gruel and also heard Jim say that "We will stay on track to balance the budget in 2015-16."
Oh Oh.
If the Government is heading towards negative spending and the trade balance is already in negative balance, then you dear private sector better get out there and start spending because the last time I looked, Canadian Producers (IPPI) can't seem to get it up. See my Canadian Deflation Update
History, Charts & Curated Readings
"Progress, far from consisting in change, depends on retentiveness. When change is absolute there remains no being to improve and no direction is set for possible improvement; and when experience is not retained, as among savages, infancy is perpetual. Those who cannot remember the past are condemned to repeat it." George Santayana Vol. I, Reason in Common Sense
March 2020
"History, real solemn history, I cannot be interested in.... I read it a little as a duty; but it tells me nothing that does not either vex or weary me. The quarrels of popes and kings, with wars and pestilences in every page; the men all so good for nothing, and hardly any women at all - it is very tiresome." Jane Austen spoken by Catherine Morland in 'Northanger Abbey'


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Parkway Cinema
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Retinoblastoma and Evidence-based Non-toxic Therapy to Reduce Relaps
Are retinoblastoma survivors genetically predisposed to secondary cancers?
New Cancer Researcher Challenges Conventional Retinoblastoma Thinking
"Abstract- Retinoblastoma is a deadly eye cancer in children, leading to death in 50%-70% of children in undeveloped nations who are diagnosed with it. This malignancy is the most common intraocular tumor in childhood worldwide.
The good prognosis in developed nations is related to early detection and advanced treatments. With the advent of intraarterial chemotherapy, neurosurgeons have taken a central role in the treatment of this pediatric condition. Intraarterial chemotherapy is a novel treatment for retinoblastoma whereby chemotherapeutic agents are precisely delivered into the ophthalmic artery, minimizing systemic toxicity.
This procedure has shown impressive results and has allowed a dramatic decrease in the rate of enucleation (eye removal) in advanced and refractory retinoblastoma. Recent reports have raised some concerns about the risk of ocular vasculopathy, radiation-related toxicity, and the potential for metastatic disease after intraarterial chemotherapy. In the authors' experience of more than 3 years, tumor control is excellent with globe salvage at 67% and vascular events less than 5%, mostly related to improvement in technique. The role of this novel approach in the management of retinoblastoma has yet to be defined. As more centers are adopting the technique, the topic will decidedly become the focus of intensive future research. In this paper, the authors review and discuss current data regarding intraarterial chemotherapy for retinoblastoma."


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What is UpLook?
This is a portal for thoughts about the world of international development (ID) from someone who is at the very start of their career.
I will be sharing resources for people in a similar position, showcasing some of the work that I'm up to as well as giving more general thoughts on ID as and when I think them.
Who is writing?
Freelance writer. Social Sciences student at University of Bath. E Africa addict. Blogger. All tweets personal. LinkedIn: http://linkd.in/sYjTdb


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Ceremony teams for this year are already starting up, and we have connections with troops that are involved. Although our troop does not have enough older boys to have our own team, boys who are interested can participate with another troop. If a boy is interested, we can make it happen.
Meanwhile, March 1 March 7 at Beaumont there will be a ceremony team seminar offered. Participation is for any Ordeal member and up, and not just those who are on a ceremony team. This will be a fun day of instruction, games, and movies. This is an all-day event, but not a camping event. I would like to see a large contingent attending from Troop 760.
We need to get signed up for the seminar soon. Those who are interested should sign up at the upcoming troop meeting.


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Sales Have Ended
Sales Have Ended
Come hang around with us for this Childrens' Books Swap and enjoy family bonding time to watch a Disney movie: MOANA. Movie starts at 4.30pm.
Bookworm Kids Alert! Enjoy quality family bonding time over a movie while allowing our children to experience the joy of sharing and exchanging books!
Apply some yogic concept to our lives and let's take a step back and look at the way we shop. Sometimes, we have a tendency to hoard and perhaps buy more than we need. How about we try to SHOP WITHOUT adding on to the CLUTTER?
Gather all the good childrens' books (in good condition) you have finished and come swap them for "new" books with others!
Before you come, take a look at the book and ask yourself if you would gift it to a friend as a present. If you would, then it probably would pass for exchange.
Limited to exchange of up to 20 books per child.
Everyone requires a ticket to enter the venue, regardless of age.
Collection of all books & movie 'MOANA' starts
Collection ends and books are sorted out.
Time to pick and choose your "new" books!
End of screening and event.
#yogaseeds #yogaseedskids
Limited slots available.
For enquiries, email email@example.com or call/whatsapp 8322 1251.
Before this session, you might like to join us for:
3:30pm to 4.15pm - Kids Yoga: Bliss Out the Monkeys (6 to 12 yr old, $10 per child)
Mindful kids = happy kids! Let our children have great fun with each other in this safe, positive and creative environment.
Our children live in a stressful world of school pressures, incessant lessons, computer games, malls and even competitive sports. The profound effect on their innate joy is usually not for the better and yoga can definitely help our little darlings to counter these pressures!
In fun and lively ways, we learn yoga postures and basic breathing techniques to bring about focus, increased concentration, self-relaxation, self-esteem and body awareness, which help them navigate life's challenges with ease.
Bring joy to our cute little monkeys in this 45-min session filled with songs, games, stories and laughter where they can enjoy themselves totally in a nurturing and non-competitive environment, that is sure to bliss them out!
Limited slots. Book now at https://blissoutthemonkeysyoga.eventbrite.sg
These events are part of:
Spark in the Park at Aramsa
Light up our weekend on 3–4 June.
Experience a wondrous weekend together with us to spark off new inspirations and enliven our spirits. New experiences await to awaken, freshen, and provoke new perspectives.
Connect to nature and to ourselves through a series of trial activities amidst lush greeneries and our visits to the garden will never be the same again.
Let us rise and shine to a breath of fresh air and embrace these brand new experiences that will energise our body, mind and soul.
For the FULL PROGRAMME, visit https://www.facebook.com/events/761392570708657/
#yogaseeds #sparkinthepark
For more details or enquiries, please contact us at firstname.lastname@example.com or SMS/Whatsapp 8322 1251.
To receive more event updates from Yoga Seeds, sign up on our mailing list at http://eepurl.com/bws-1P
For more enquiries, email email@example.com or WhatsApp/SMS 8322 1251


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From Somalia, With Love by Na'ima B. RobertWritten by Yasmeen Amer
Na'ima B. Robert is an extraordinary writer, masha Allah (praise be to Allah). She is good at making her stories interesting, like I-can't-stop-reading-now sort of interesting. One of the books she has written is called, From Somalia, With Love. I enjoyed that book very much.
The book is based on a girl named Safia, whose father comes back from Somalia. She calls him Abo. It is the Somali way of saying "father". If you never knew your father because he was in another country, you would be happy he came home, right? I would. But in Safia's point of view, when her father came home, it ruined everything.
Something happened to Ahmed, her brother, and Safia began spending more time out of the house. What's more, she began hanging out with bad company. Abo only knew her when she was a baby so Safia thought he was not interested in her and did not care about her.
Abo was not used to America. He still had his cultural practices. As for the rest of the family, even if they were Somali they were used to being American. Sometimes the boys would help out in the kitchen but when Abo came in the room, they would stop because in Somali culture, it is considered eeb which means shameful. When Abo came to America, the family changed their way of doing things so they would fit Abo's practices. Everything changed and Safia did not like it.
My favourite part in the book is when it shows how much fathers love their children. Safia somehow ends up in a car with a guy she hardly knows -- I am not going to tell you how because it would ruin the story for you ""- and just as the boy is about to do something bad to her, Abo appears and deals with the boy quite nicely. What makes this my favourite part is that although Abo does not tell Safia that he cares about her, he really does and he shows it by saving her.
I think that this book is mainly for youth around twelve and up. I would suggest that it is more for girls but boys could read it too, if they are interested. This book also shows us the goodness of our deen (religion) and how simple it is. It also teaches us to have good faith in the rules of Islam that were put out for us and to follow them.
I highly recommend this book as I certainly enjoyed it. I did not want to put it down. When it was time for me to go to bed, I did not want to. I read it whenever I could. But of course, that is just my opinion. You might have a different one. I hope that you will be interested in reading it and enjoy it as much as I have.
Yasmeen Amer is a grade seven student at Abraar School.
This article was produced exclusively for Muslim Link and should not be copied without prior permission from the site. For permission, please write to email@example.com.


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Swoon Fall 2016 is forthcoming on November 5, 2016. Check out the swoony details on the authors you'll be meeting! To RSVP to the evening, check out the event page on Facebook. And for a full histo…
Category: Surprise
Swoon Spring 2016 – Meet the Authors!
Can't wait to host with this spectacular line-up! See you on March 12th!
Swoon Spring 2016 is forthcoming on March 12, 2016. Check out the swoony details on the authors you'll be meeting! To RSVP to the evening, check out the event page on Facebook. And for a full history and all bios of past Swoon authors, check out our Readers page.
Dina Del Bucchia is the author of Coping with Emotions and Otters and Blind Items. Daniel Zomparelli is the Editor-In-Chief of Poetry Is Dead magazine and author of Davie Street Translations. Together, they make up the duo behind the podcast Can't Lit, and the poetry collection Rom Com (Talonbooks), out now.
Christopher Evans is a writer and student, originally from Victoria, BC. His fiction, non-fiction, and poetry have appeared in magazines and anthologies in Canada, Australia, Ireland, South Africa, the UK, and the USA. His play Drifting was produced for the 2014 Brave New Play Rites Festival…
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Holy crap, it happened.
My talented co-writer's first book comes out in April! Emily Wight is a hilarious writer (I know this for a fact) and an excellent cook (so I've been told, although she's never cooked for me. Hmmmm…) and her cookbook will no doubt be a big hit!
Check Emily out at http://wellfedflatbroke.com/
Much has happened since we last spoke. Spring has sprung in Vancouver, and we have been playing outside without winter coats. We finally finished all the cheese I bought in early December. I am now raising a Ninja Turtle (Donatello, specifically), and bearing the brunt of his ninja attacks which are not stealthy but do sometimes hurt.
And that book I've been thinking about and talking about and fretting over for months went to the printer, and then emerged fully formed this past week! I have real, hard copies here in my apartment, which I can hold and look at and worry about making sticky. I filed my reference copy between books by Nigella Lawson and Fannie Farmer, in hope that some of their magic rubs off.
These are fast-paced times.
And there is so much to talk about, recipe-wise, but we've hardly had a moment to catch our breath…
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mCPU Meter – standard application, the main and only objective of which is to display information about the load level on the CPU and RAM. In addition to a color scale that displays this information, data is displayed even in percentage value. Due to the fact that the application supports by cores, more detailed information is displayed that allows you to delve deeper into the process.
Download gadget mCPU Meter for Windows
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Remarkable necklace in jasper
Jasper Necklace
Gemstone: Jasper
Jewelry: Princess necklace for women / Mens choker
Gemstone color: Green
Pendant size and cut: 22x30mm oval
Length: 18 inches
Metal: 14 karat gold filled
Jewelry weight: 22 g
Sex: For women and men
Handmade by Deomar Pandan
Processing time: 1-3 business days
Ships from the Philippines
Note: *Jewelry box's weight may raise shipping fee.
Looking for a different design? See all Jasper Jewelry