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Archive for the 'Payments' Category
ING DIRECT Frees Canadians from Bank Fees with THRiVE ChequingTM, a No-Fee Daily Chequing Account that actually pays interest
Exciting news from ING this morning. I knew this was coming but not the details till now. For more details go to http://www.your185.ca/ which is a very cool URL relative to this product.
I have been preaching for some time that bank product design since 2007 is not really attacking the core aspect of post crisis consumer need which I would characterise as features that support a deleveraging environment, where people saving and paying down debt is the defining average consumer strategy. This new product from ING supports that strategy with a full featured yet cheap chequing facility.
ING Direct Canada Press release
August 18, 2010 @ 06:00AM
TORONTO – ING DIRECT today announced the upcoming launch of THRiVE Chequing, an online, no-fee daily chequing account that will enable Canadians to deposit, withdraw or transfer money for free, all while earning interest. The first chequing account made for Savers, THRiVE Chequing stems from the frustration many Canadians feel about unfair bank fees that are on the rise.
According to a recent national poll conducted by Angus Reid Public Opinion on behalf of ING DIRECT, a quarter of Canadians are simply unaware of how much they pay in monthly bank fees, which on average is about $185 annually.
SEPA – more confusion
Paul Styles nicely sums up the state of confusion amongst banks that surrounds SEPA.
Uncertainty piled on uncertainty – the SEPA story
And then came Finextra's report of 10 June 2010 which proclaimed "SEPA migration deadlines: dates floated but no decision". Uncertainty continues to reign…
A model to help understand mobile payments | Glenbrook
The world of payments is mysterious and confusing to most bankers, and mobile payments is orders of magnitude worse. Glenbrook operate on a simple categorisation that helps to follow. This is a nice review of CTIA Wirleless conference just held at Las Vegas.
Mobile Payment Themes from CTIA | PaymentsViews
- Point of Sale (POS),
- eCommerce,
- Person-to-Person,
- Bill Payment and
Non Cash Growth as a barometer of Payment Innovation
CapGemini have come out with their World Payments Report – 2009 [pdf 60 pages]. Lots of statistics, but the one that leapt out at me is this.
Japan stands out as a growth leader, despite being a mature economy. Certainly their growth potential is large given the traditional consumer cash economy, but I have to look at the North American lowly 5% and wonder that lack of innovation in payments is not a driver. Certainly there remains lots of cash transactions to convert to payments but nominal innovation in the works to migrate to electronic. The report notes that cash in circulation continues to growth in the Eurozone.
There is an interesting section reviewing the payments innovation in Asia, and a chapter devoted to summarising the state of SEPA.
Bring the banking experience forward to the transactional experience
There is an enormous intelligence in this paragraph from Dave. It centres on the reality that with each transaction, a consumer is making a decision about their banking service. That service may be merely a payment card, or it may be a BarclaysBofALloyds Card. it doesn't matter.
What has really happened is that the product experience has transferred from the old view of product, the bank account, to the new view, which is the experience. The experience occurs at the ATM, the POS terminal, the online banking session, the iphone app (oops you haven't got that!). The customer experience is in the use of the account, not in the interest rate. That rate stuff is relegated to another mind space that is related to return and investment quality. That other mind space is critical, but not at the point of transactional experience.
United we fall | Digital Money Forum
Retailers don't want to stop taking cards and go back to cash, but neither would they expect the product to be provided for free. So what is the real dynamic? Many people might sympathise with the retailers' central complaint, that interchange has not evolved to reflect the modern retail payment environment, while being sceptical that a regulatory transfer of resources from one group (banks) to another group (retailers) will result in any benefit to the consumer. But there is a dynamic, so we cannot be static in response. We as an industry (by which I mean the electronic payments industry) need to demonstrate to retailers that our products are worth paying for. As I'm learning from the Innovation in Payments work over at the CSFI, if we restrict the value proposition to the payment transaction, this is difficult. It's the value-added services around the payment transaction that create our future proposition.
This is essential stuff to consider in building new services. The traditional view of biulding a bank account goes like this:
- how many free ATM transactions
- how many free debit transactions
- at which balance will interest kick in
These assumptions are negative in nature in a consumers view. How about a value proposition that says ..
- monthly fee = $ XX
- ATM – free
- debit – free
- interest – zero
- savings account – no debit and high rates
Relevance to Bankwatch:
Of course I am simlifying here, but the point is to address the features of the account towards the requirements of the customer. Customers want simplicity, and understandabilty [I know that is not a word]. Take a look at any telco site and do the opposite. Allow customers to understand on the first page, what they are going to get.
Report: "The Role of Convenience and Risk in Consumers' Means of Payment" | Bank of Canada
This is an unusual but insightful new working paper released today, on what the Bank of Canada refer to, in a somewhat quirky fashion, as "means of payment". The survey and analysis compares use of cash, debit and credit. What is insightful, is that after establishing the consumer view on the three payment methods it tries to get at why people feel this way. When I asked Dave Birch the other day – what is the right strategy of banks and payments providers to increase their volumes? …. his answer was simple – increase share by taking it from cash. Even in Canada, cash is far and away the largest payment method. Anyhow, here is some analysis of the report, which can be downloaded at the foot of this post or at BofC site. [pdf 27 pages]
The Role of Convenience and Risk in Consumers' Means of Payment | Bank of Canada
The survey results indicate that Canadians perceive debit cards to be the most convenient payment method: 70 per cent of respondents state that debit cards are very convenient, compared to 62 per cent for cash and 59 per cent for credit cards. Credit cards are seen as the most risky MOP: 36 per cent of respondents perceive credit cards to have high risk, compared to 21 per cent for cash and 19 per cent for debit cards.
The survey also suggests that cash is the most frequently used MOP: 73 per cent use cash at least once a week, compared to 64 per cent for debit cards and 36 per cent for credit cards. While all respondents use cash, 18 per cent of respondents say they never use debit cards and 24 per cent
say they never use credit cards.
There are several conclusions embedded in their summary, although its easy to imply a 'but …. ' after each:
- cash is most used payment method
- debit is most trusted
- debit is most convenient
- credit cards are most risky
Beyond the summary are the demographic, educational and income there are impacts on the conclusions. Incidentally the survey was conducted over a reasonable spectrum of income and demographic Canadians. I won't post the tables here because they are hard to follow. For the mathematicians, I suggest you download the report.
According to the ordered probit analysis shown in Table 2, consumers with higher education and income perceive significantly higher levels of convenience for debit and credit cards. Older consumers tend to find debit cards less convenient and credit cards more convenient. Men perceive cash to be more convenient than do women, and perceive debit and credit cards to be less convenient. As confirmed by a joint test of significance, there are no significant differences across demographic groups when it comes to the convenience of cash, aside from gender.
Relevance to Bankwatch:
While noting that more detailed and granular work is required, the study concludes that perceived risk is a strong driver of consumer decisions in payment methods choice. While there are variances by income and age, the importance of risk and convenience remains. There are embedded risk issues that are common to all demographic types. Finally the use of cash remains high largely because of convenience.
There are two aspects for payments to address and encroach on cash usage – convenience and risk. What I take away from this paper is that both must be addressed to be successful.
the role of convenience and risk in consumers means of payments dp09-8.pdf
A chat with Dave Birch | whirlwind review of changes in financial services
Today I had the pleasure of a chat with Dave while he visited Toronto on business. Inevitably the conversation weaved in and around banks, payments, and what is wrong with both. As we chatted it is evident there is much change going on in the world of financial services, and that change may or may not be as expected. It appears banks are not innovating much anywhere at the moment as predicted, while on the payments front there is a host of activity and very different activity in many parts of the world.
This fits with my general theme of these times that innovation in banking will come from outside banks, and that banks will generally (not all) be relegated to a role of financial utilities. We spoke about the enormous challenge banks have to digest the mergers and takeovers which resulted from the banking crisis. The combination of mergers, new regulation, and concern for conservation of capital leads many banks down this path. Euro banks have the additional challenge of absorbing SEPA and the associated changes there which are neither easy nor cheap.
Innovation will come from non-banks, from payments providers, even credit card companies, and Dave was kind enough to provide some insight there, and show me some pretty cool stuff coming later this year.
Back to the topic of banks the one thing they generally appear to have grasped is the importance of mobile; they remain unsure how or what to implement, but mobile is important, so we can expect to see more work in that area.
Now off to read my newly autographed copy of the 2009 Digital Money Reader!


text: How do I change my personal profile data like email address, and password? Menu Home General Purchase Product Search Back Reallusion FAQ English Traditional_Chinese Japanese German Reallusion FAQ Home General Purchase Product Latest Popular Home » General » Registration and Membership » How do I change my personal profile data like email address, and... How do I change my personal profile data like email address, and password? 6/28/2017 Reallusion Support Registration and Membership You may update your personal profile data in your member account - My Account page. Also In This Category How do Mac App Store users get the bonus content? How do I Register Member/Product, and Download Bonus Content? How to find my register product? How do I register a Reallusion SE product? How do I contact the Support Team? What should I do if I forgot my member account password? Why can't I register the content pack which without the serial number? How to become a Premium member? How to fix account activation issues? On a scale of 1-5, please rate the helpfulness of this article 1 2 3 4 5 Not Helpful Very Helpful Optionally provide your comments to help us improve this article... Thank you for your feedback! Next Details Last Modified: 6/28/2017 8:13:39 AM Last Modified By: Reallusion Support Type: FAQ Article not rated yet. Article has been viewed 5.6K times. Options Print Article Export As PDF Customer Support Software By InstantKB 2015-2 Execution: 0.000. 10 queries. Compression Disabled.

subset: commoncrawl


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Harvard Book Store and GrubStreet welcome award-winning writer LAURA ADAMCZYK for a discussion of her debut short story collection, Hardly Children. She will be joined in conversation by the prize-winning author of White Dancing Elephants, CHAYA BHUVANESWAR.
A man hangs from the ceiling of an art gallery. A woman spells out messages to her sister using her own hair. Children deemed "bad" are stolen from their homes. In Hardly Children, Laura Adamczyk's rich and eccentric debut collection, familiar worlds―bars, hotel rooms, cities that could very well be our own―hum with uncanny dread.
The characters in Hardly Children are keyed up, on the verge, full of desire. They're lost, they're in love with someone they shouldn't be, they're denying uncomfortable truths using sex or humor. They are children waking up to the threats of adulthood, and adults living with childlike abandon.
With command, caution, and subtle terror, Adamczyk shapes a world where death and the possibility of loss always emerge. Yet the shape of this loss is never fully revealed. Instead, it looms in the periphery of these stories, like an uncomfortable scene viewed out of the corner of one's eye.
"The stories are achingly open to the vulnerability that comes with forming attachments and the surprising difficulty of breaking them." —Danielle Lazarin, New York Times Book Review
"A striking blend of graceful sentences and eerie premises." ―Laura Pearson, Chicago Tribune
"Super weird, super unsettling, and super great." —Boston Globe
"With an elegant, surgical style, this excellent debut collection examines the murky divide between youth and adulthood, the infinite weirdnesses of aging, the way our childhoods warp in the rear view, and the myriad lies we must undo along the way. Laura Adamczyk is a clever, observant writer with a pleasantly dark wit and Hardly Children will thrill any reader who is baffled to realize they're an adult." ―Catherine Lacey, author of Certain American States and The Answers
Certain books were "banned in Boston" at least as far back as 1651, when one William Pynchon wrote a book criticizing Puritanism.


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UPPCL Recruitment Notification 2019 : Good news to aspirants, who are searching for UPPCL Recruitment Notification 2019 released recently. Uttar Pradesh Power Corporation Limited (UPPCL) invites online application for the posts of Technician (Line). They are fill to 4102 Technician posts. Eligible Candidates can apply for Technician jobs through online @ www.uppcl.org 2019. UPPCL Online application will be opened on 01th April 2019. Last date for submission of application 30th April 2019.
UPPCL Recruitment Notification 2019
UPPCL Stands for Uttar Pradesh Power Corporation Limited. UPPCL is the company responsible for electricity transmission and distribution within the Indian state of Uttar Pradesh. UPPCL has issued a recruitment notification from the eligible candidates for the 4102 Technician posts. Candidates, Who are passed degree eligible for UPPCL Technician Vacany 2019. Interested candidates can check the UPPCL Jobs 2019 in our website of www.ejobsinfo.com
Uttar Pradesh PCL Recruitment 2019 Notification
|Department Name
|Uttar Pradesh Power Corporation Limited
|Posts Name
|Technician (Line)
|No. of Vacancies
|4102 Posts
|Application Mode
|Selection Process
|Computer based test (CBT)
|Starting Date
|Ending Date
|Official Website
UPPCL Vacancy 2019 details
- Name of the Post : Technician (Line)
- Number of Vacancies : 4102
Eligibility Criteria for UPPCL Technician Recruitment 2019
Individuals who are looking for more information about UPPCL Technician jobs 2019 can get the details like Vacancy details, Educational Qualification, age limit, pay scale, Selection Procedure, how to apply procedure details read carefully before applying this job.
Educational Qualification:
- The Candidate should be passed High School (or) its Equivalent with Computer Knowledge.
Pay Scale :
- The Pay scale of Rs.27200-86100/- per month.
Age limit as on 01-01-2019
Age relaxation of Uttar Pradesh PCL Vacancy 2019 as per Government Laws.
- Minimum age : 18 years
- Maximum age : 40 yeas
Application Fee:
- General / OBC Candidates/ ex – soldier – Rs.1000/-
- SC/ST candidates – Rs.700/-
Selection procedure:
- Computer based test (CBT)
How to Apply for UPPCL Jobs 2019
- Before apply of UPPCL Technician Notification 2019 Read carefully.
- Visit the Uttar Pradesh Power Corporation Limited Official Website of www.uppcl.org
- Check the Uttar Pradesh PCL Notification 2019 in the home page
- Now click on the UPPCL recruitment 2019 link.
- Fill the UPPCL Online Application form.
- After filling of application download the hard copy for future reference.
Important Dates:
Starting date for Online application : 01-04-2019
Last date for Submission of online application: 30-04-2019
Important Links :
Click here –>> UPPCL Recruitment Notification 2019
Click here –>> UPPCL Website


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Area Req-300Sq.Ft
Total Investment-INR 15-20LAC
Franchise Outlet-LESS THAN 10
Establishment Year-2001
Bhukkad Baba is the perfect place for people of all ages. Whether it's for group of friends, middle age people or the old age ones. Everyone can enjoy at their best here. Our Customers Come here and enjoy the finest varieties of street food items and lip smacking snacks including grilled sandwiches, vada pavs, kachauris etc. Our famous dish is Pizza Paratha which is among the best and unique dish being only served at the bhukkad baba café.All type of dishes are being served by us including Chinese,Indian,Italian and many more which everyone loves to eat. Good quality with appropriate quantity is the thing which we focus on.
Support from Brand: -
We support the franchisee in every manner so as to make their business a success. We Provide Pre Training starting from the set up of the Business to its successful running .We also provide Post Training to the Franchise holders I.e. checking and auditing all the services being done by the franchisee at their area.


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George Davis Jr.
Granduncle of George Poindexter Munson Sr.
2nd great-granduncle of Laura Jane Munson.
- Family Background:
- Munson and Allied Families
George Davis, Jr., was married three times. Although none of his wives seems to have been Jewish, his grave and those of his first wife and a number of their children, in the Jewish section of the Church Street Graveyard, are marked off as "The Oldest Jewish Graves in Alabama" — the earliest being the baby Isaac who died at the age of one year on April 4, 1829.5 On his gravestone it is inscribed that George Jr. was a native of London and had been a resident of Mobile the last 28 years.
George Davis made a deed of gift to Betsey Davis, George Davis Jr., and "amiaboe little daughter," Adeline Davis, all minors, on 21 August 1822 at Tuscaloosa, Tuscaloosa County, Alabama.6
George Davis Jr. appeared on the 1830 U.S. Census in Mobile, Mobile County, Alabama. Others enumerated in the same household were, an unknown person one male 20-30; one female under 5, one female 15-20; one female slave.7
George Davis Jr. appeared on the 1840 U.S. Census in Mobile, Mobile County, Alabama. In his household were one male 5-10, one male 15-20, one male 30-40; two females 15-20; three female slaves; one person employed in commerce.8
George and Catherine Davis appeared on the 1 June 1850 Federal Census of Mobile, Mobile County, Alabama, enumerated 11 January 1851. His children from a previous marriage, George, Fred, Mary A., Georgiana and William, and their child, John, were listed as living with them.4
Children of George Davis Jr. and Amelia (—?—) (Davis)
- Isaac Davis5 b. s 1828, d. 4 Apr 1829
- Rosella I. Davis1 b. 1830, d. 1831
- George Davis4 b. s 1831
Children of George Davis Jr. and Roseanna Dunn
- Fred Davis4 b. s 1842
- Mary A. Davis4 b. s 1844
- Georgiana Davis4 b. s 1846
- William Davis4 b. s 1848
Child of George Davis Jr. and Catherine O'Hara
- John Davis4 b. s Nov 1850
- [S468] Dr. W. Stuart Harris, online <http://www.trackingyourroots.com/data/mobilecem3.htm>, Dr. W. Stuart Harris (unknown location), downloaded June 2002.
- [S448] Mobile County Marriage Book Book 4, p. 1, County Clerk's Office, Mobile, Alabama.
- [S448] Mobile County Marriage Book Book 11, p. 27.
- [S1118] George Davis Jr. household, 1840 U.S. Census, Mobile, Mobile County, Alabama, page Mobile, line 400; National Archives micropublication M704, roll 10.
- [S467] Bertram Wallace Korn, The Jews of Mobile, Alabama, 1763 - 1841 (Cincinatti: Hebrew Union College Press, 1970), 35.
- [S451] Pauline Jones Gandrud, comp., Alabama Records, Vol. 3 (Columbus, Mississippi: Blewett Company, 1980), 36, citing Tuscaloosa Deed Book 1, p. 194.
- [S1117] George Davis household, 1830 U.S. Census, Mobile, Mobile County, Alabama, page 384; National Archives micropublication M19, roll 3.
- [S1118] 1840 U.S. Census, Mobile, Mobile County, Alabama, p. 93.


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Master of Science in Elementary Education
Degree - Master of Science in Elementary Education
Concentrations: Early Childhood Education, Elementary Education, and Reading
The Master of Science in Elementary Education (MSEd) degree program is designed to meet all criteria of the State Department of Education and to allow students to explore issues, design curriculum, and learn new strategies and techniques that will enable them to become more effective educators, through the application of theory and new research to their educational practice. The three Concentrations are structured to utilize the educational experience of the students in the program.
Admission Requirements:
Students applying for entrance to the Master of Elementary Education are required to submit an application for admission, Apply Online (www.alcorn.edu/academics/graduate-studies), Educator License, two letters of recommendation, and official transcript from an accredited school (if a student has attended more than one school, transcripts must be submitted from all schools attended). At least one transcript must document the student has a bachelor's degree.
Decisions are made only after receipt of all credentials by the Department of Education and Psychology admission committee. The department uses an admission formula to accept students. The entire application packet, including all supporting materials, must be submitted to the Graduate School.
A Standard Educator License in a teaching area is required for admission to programs in the Master of Science in Elementary Education.
Program requirements:
The curriculum requires 33 credit hours of coursework: 12 hours of Core courses, 15 hours of Required Courses, and six hours of Electives. The Early Childhood option is only applicable to educators holding certification in K-3 or K-6 endorsement areas.
Academic Track:
Students pursuing a Master of Science in Elementary Education must pass a Core Examination and Area Examination to exit.
Master Degree Audit:
Before candidacy for graduation can be confirmed, each student progression to degree completion will be evaluated to determine if student has met all academic requirements for course work and other aspects of the student's course of study and Graduate School requirements. When these requirements are met, the student is cleared for graduation.
For More Information Contact:
Dr. Tabitha Smith ▪ 601.877.4097 ▪ firstname.lastname@example.com


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Fruitmarket Ceiling
Posted by Jackie on January 20, 2010
Last week I went to a couple of Celtic Connections concerts at the Old Fruitmarket (both were brilliant, obviously!). I also got the chance to try out the new camera a bit, so the next week I'll show various Fruitmarket photos (building and bands). This is just looking up at the ceiling. It's such a brilliant venue! (did I say I really like it?!).
2 Responses to "Fruitmarket Ceiling"
January 20, 2010 at 1:46 am
Fruitmarket….rightly named, as the ceiling is alight in Raspberry Red and Blueberry Blue!!!!
January 20, 2010 at 3:31 am
I like the colors.
Sorry, the comment form is closed at this time.


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Unless you live in a dark cave somewhere in the Kerguelen Islands, you have certainly heard of Kony 2012, the advocacy video that has taken the political, nonprofit and marketing worlds by storm. A production of the nonprofit advocacy organization Invisible Children, the 30-minute documentary lambasting Ugandan war criminal Joseph Kony has become the most viral video in history, garnering more than 100 million views.
The Kony 2012 campaign is, quite simply, one of the most the most significant marketing promotions in recent history, ranking alongside the likes of Philip Morris' introduction of the Marlboro Man and Apple's "1984" Super Bowl spot.
The Kony 2012 video and its accompanying celebrity promos, college campus events and other campaign components have succeeded in creating awareness among hundreds of millions of people worldwide, generated tens of millions of dollars in donations and enlisted hundreds of thousands of new volunteers, all on the wings savvy technology use and compelling storytelling. And the controversy it has sparked hasn't hurt, either.
Social video advertising measurement firm Visible Measures found that Kony 2012 zoomed past other record-setting viral videos:
"It's hard to understand how big 100 million views is, not to mention the unprecedented speed with which Kony has surpassed the milestone ... (we) compared it to viral legends Susan Boyle and the Old Spice Guy" (which took more tan a year to hit one million views -- ER )
... In only six days, Kony is the fastest "campaign" to surpass 100 million views. Susan Boyle did it in nine. Lady Gaga's Bad Romance, which currently has over 900 million views, took 18 days. Rebecca Black's Friday, currently at 430+ million views, took 45 days. Even Justin Bieber's Baby, which has topped 1.1 billion views, took 56 days, one day faster than Miley Cyrus' Party in the USA. Modern Warfare 2, one of the biggest entertainment launches ever, hit 100 million views after 77 days ...
Not surprisingly, the video has generated a good deal of controversy. While some have groused that Russell et al "oversimplify" a complex set of issues, most of the criticisms lodged against Invisible Children have targeted the group's business practices. A widely read Tumblr blog called Visible Children was critical of the fact that 32% of Invisible Children's money went to direct services to victims.
Invisible Children responded that direct victim assistance, while an important part of their mission, was only one part. Equally crucial aims are to maximize public awareness of the atrocities which Kony has committed with impunity for fully two decades, and to mobilize citizens to push their governments to step up the pressure to capture and prosecute Kony.
In a detailed post on its blog, the nonprofit outlined how it spent its nearly $9 million 2011 budget: 80.46% on mission-centered programs; 16.24% on administration; and 3.22% on fundraising.
Obviously, I cannot attest to the accuracy of these numbers, bit I can say from direct experience working for, consulting with and volunteering for numerous nonprofit groups, that if the figures are even close, they compare quite favorably to the preponderance of major nonprofit advocacy groups.
But spending isn't the only controversy dogging Invisible Children. About a week after the video flashed its way around the world, group co-founder and video director Jason Russell of the video, was according to news reports, taken into police custody and hospitalized after witnesses reported he was naked, committing lewd acts and disrupting traffic in San Diego's Pacific Beach neighborhood.
As of this writing, details are sketchy, but both the Invisible Children staff and Mr. Russell's wife confirm that he is undergoing medical care.
Mr. Russell's personal and medical issues should in no way detract from his organization's simply Earth-moving cause marketing achievement. He and his compatriots have demonstrated as no one else heretofore the power of social the social web as part of a well-designed and well-executed integrated marketing effort.
Mr. Russell, you have my prayers for a speedy and full recovery, and my thanks for an extraordinary model of the power of savvy social media marketing.


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Kimono Maxi Wrap Dress
You will be a complete stunner in this gorgeous maxi wrap dress from SOCIALITE.
Gauzy woven fabric, covered in a beautiful pink, blue, orange, and white floral print cascades across a wrapping bodice (with internal ties) and short sleeves. Flowing wrap maxi skirt hits at the perfect length to pair with wedge heels.
- Lined.
- 100% Polyester. Lining: 100% Polyester.
- Machine Wash Cold or Dry Clean
- Imported.


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Durable and roomy, the Lagoon 2 Inflatable Kayak is Advanced Elements' tandem version of their unique Lagoon 1 boat. While slightly less maneuverable than the solo version, this boat performs well in mild to rough waters, with plenty of room for an ambitious paddling partner.
Crafted from tough, rip-stop polyester, the Lagoon 2 is ready for nature's roughest conditions. Rigid form bow and stern construction helps you slice through water with speed. Includes a built-in landing plate and tracking fin to keep your adventures on course.
In calmer waters, strap your paddle to either side using the built-in paddle loops. Perfect for the nature photographer who needs two hands and zero distractions.
Kayak Accessories Includes:
- Duffel bag
- Folding seats
- Repair kit
- Owner's manual
By the Numbers:
- Dimensions (inflated): 12' x 34"
- Dimensions (deflated): 35" x 19" x 7"
- Kayak Weight: 37 lbs.
- Max Capacity: 350 lbs.


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Yes it is the Solstice - but let's be fair - a day is a day !
In other matters I went to Kilkenny Cat last night for the open mic night and played a set of three - Mr Bo Jangles, Ti a dy ddoniau and Tanja's Song. Apparently the Welsh is not too bad ...
Working upon pronunciations and accent - after all they say that I speak Welsh with a Japanese Accent!!
Ti a dy ddoniau
A link to Ty a dy ddoniau - You and your Talents
Ryan and Ronnie
Tristan a Gwidion
Jodie MarieSo I will leave these here for links


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Happy New Year, Cosmo girls! To give you a breath of fresh air for a fun, fab 2011, we picked a hot, fresh celeb with such a bright, cute face to be this month's Online Hunk--Paul Jake Castillo.
Before his stint in Pinoy Big Brother: Double Up, 26-year-old Paul Jake had already accomplished so much, at his young age. Although he grew up in a wealthy family, he worked hard to put up his own business at the age of 22. That's why they nicknamed him Negosyo King and Richie Rich when he entered PBB.
It's no surprise that he has a huge fan base. Through his supporters' votes, he emerged the second Big Winner at PBB's final tally during the reality show's Big Night. Chalk it up to his natural leadership skills, his down-to-earth demeanor, and boyfriend-material looks--it's really no wonder that a lot of people love Paul Jake.
Most Cosmo girls probably saw Paul Jake's wild side when he was featured as one of our celebrity Bachelors in last year's Cosmo Men supplement. He also strutted on the runway--much to the delight of screaming Cosmo chicks--at last year's Bachelor Bash. Those looking for a daily dose of this Cebuano cutie can catch him every afternoon on ABS-CBN's soap Alyna.
Here in Cosmo.ph, we're giving you a special treat this January--loads of photos of this PBB hunk, dressed in relaxed, casual, date-worthy numbers, as he casually hangs out at a local hotspot. Just as the first date is a great opportunity to get to know someone, consider this first installment of photos and exclusive interview as YOUR first date with Paul Jake. Read on as he talks about his life before and after PBB, what he wanted to be when he was a kid, his musings on the past year, and his hopes for 2011.
What was your first job?
My first job, wow. My first job was when I was really, really young, maybe grade school. I worked for the family as a summer job.
What did you do there?
Wow, nakalimutan ko na 'yun. My parents wanted me to go around the company, to experience the production line, delivery, sales, from buying stuff to selling stuff.
How has your life changed since Pinoy Big Brother: Double Up?
Well, my life changed very, very, very, very differently. Grabe ang changes sa life ko. Before, I didn't care what would happen... It's more public now, 'yung buhay ko. Before, [there were] no issues, the small things you do, hindi pinapansin ng mga tao before. Now, the small things you do, they make it really, really big. Pero [on the upside], a lot of people know us, and everywhere we go, people say "Hi." Picture here, autograph here... 'Di pa naman ako sanay, 'pangit pa ng handwriting ko! (Laughs.) So, 'yun, I really am not used to it, but I'm getting the hang of it pa.
What was the first major purchase you made with your PBB prize money?
I did not [buy anything expensive], I can't remember what I bought pero I spent a lot. I made up for the time that I lost. I went out with my friends, nanlibre ako. Kasi inside the house, 'yun lang ang palagi kong iniisip e--'yung family ko, 'yung friends ko, what they're doing now, what's happening. Pero 'yung prize money, I gave some to my brothers and sisters.
Have you always wanted to enter showbiz?
Well, there were no plans of being an artista, celebrity, or entering the showbiz industry. Kasi ito, it started with my younger brother. 'Yung younger brother ko, gusto niyang ma-experience 'yung life inside the PBB [house]. E nagkwentuhan kami sa dinner table, sabi niya, "PBB auditions are up. Gusto kong subukan 'yun, how life is inside Pinoy Big Brother." E ako, loko-loko, sabi ko, "Tayong lahat na lalaki, mag-audition tayo, para sabay-sabay tayo. Tingnan natin how far we'll get sa audition." So ayun, kasama ko 'yung younger brother ko, older brother ko, boyfriend ng sister ko, ako. Apat kami, nag-audition kami. It so happened, me and my older brother, sa first stage, we competed. Nagbato-batopik lang kami. So ako 'yung nanalo, I went on to the next stage, and then, it so happened 'yung younger brother ko was in the Teens [Edition] and then ako nasa regular season, and then 'yung regular season started first. So, after PBB, 'yun.
But what really was your childhood dream?
My childhood dream? Oh. My childhood dream was actually very hysterical. I wanted to run for president [of the Philippines]. President ah, president! Sabi ko, "I wanna try running for president." Then as I got older, sabi ko, "Vice president na lang! Parang malabo 'yung president!" So [from] president, naging vice president--it went lower and lower and lower. Until now na naging "artista" [na ako] parang ayoko nang tumakbo sa politics. Pero you know, sa Cebu, it's really nice to help out. Kasi sobrang liit ng Cebu, you know everyone there. So it's a really nice place to help. Kaya nga naisip kong mag-run sa politics before. Pero now, no.
What made you change your mind?
Parang I'll be using my fame and popularity para manalo sa elections, 'yung ganun. I think I'll just help in another way na lang.
When you're not working, how do you spend your day?
Well, I try to work out, I want to sleep, I try to spend time with my friends. Kaya lang, ang hirap e, 'cause natatapos [ang taping] early in the morning. So, I rest most of the time and I try to [go to the] gym.
It's a new year. What's your resolution for 2011?
Rest more, 'cause right now, I'm leaning toward the healthy side. I wanna be healthy, I wanna live longer. Make up for the wild days before.
How was the year 2010 for you?
The year 2010? That is the time I became a celebrity! (Laughs.) So, very wild and crazy siya! (Laughs.) It's amazing, it's scary, it's shocking, it's funny at the same time.
What was the best part of your year?
The best part of my year was when I got out of the PBB house. I saw my family, friends, 'yung mga loved ones ko. Very shocking nung lumabas ako nung Big Night, nakita ko, wow, ang daming tao! [It was the] first time I've seen people in five months! (Laughs.) Ang dami, ang daming tao. So that was one amazing part of my life.
What was the worst or most challenging part of the last year?
Actually, the worst, 'cause I felt really tired and I didn't know what to do anymore, was when I got out of PBB and I went home. I couldn't go anywhere I wanted to. People would grab, people would hit us because they wanted to touch, [take a] picture, ganun, magulo na siya. So I couldn't go anywhere. I'm not saying na [I don't like that, and people might think,] "Ang yabang naman!" Pero it gets really scary sometimes, you know. E ako, I'm used to going out, like, sa kanto-kanto lang, and just go anywhere I wanted to go. And I didn't care. E ngayon, hindi na pwede, 'di ba? Especially nung fresh pa kami [out of] PBB--scary. So I just stayed at home, parang, "What am I gonna do here?" Eventually nag-mellow down [naman] siya.
Is there anything you would like to change about the past year?
No regrets?
No regrets.
Watch for more photos of Paul Jake next Wednesday!
Shot on location in Newport Mall, Resorts World.
Special thanks to Tinay Magtira and Karen Sta. Maria of Megaworld.
Stylist: Kabbie Rodriguez
Makeup: Telay Robles
Sittings Editor: Trixie Reyna
Special thanks to Allan Altera
Happy New Year, Cosmo girls! To give you a breath of fresh air for a fun, fab 2011, we picked a hot, fresh celeb with such a bright, cute face to be this month's Online Hunk--Paul Jake Castillo.


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Sevington Road, Hendon, NW4 - £300 pw Tenancy Info
2 bed 1st floor flat located close to Hendon Underground and Overground and local shops. The property has wooden flooring. Lounge with leather three seater sofa, table and chairs. Full equipped kitchen. Bran Fitted bathroom. One double and one single bedroom. One allotted parking space. Offered furnished or part furnished. Available from 13th Oct 19.
...Read Less
Descriptions of the property are subjective and are used in good faith as an opinion and NOT as a statement of fact. Please make further specific enquires to ensure that our descriptions are likely to match any expectations you may have of the property. We have not tested any services, systems or appliances at this property. We strongly recommend that all the information we provide be verified by you on inspection, and by your Surveyor and Conveyancer.


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AAKP will present a May 14, 2019 webinar on Understanding Secondary Hyperparathyroidism (SHPT) – What is it? How can it be managed? Register at https://register.gotowebinar.com/register/8410471602615141899. Future HealthLine webinars will discuss Traveling While on Dialysis in June, and Exercise and Physical Rehabilitation in July. AAKP's HealthLine page at https://aakp.org/aakp-healthline/ includes a link to their long list of past HealthLine webinars.
Category Archives: Rehabilitation (Patients)
Depression Toolkit Revised
The National Forum of ESRD Networks has revised the Dialysis Patient Depression Toolkit and added a video. Find the revised English version at http://esrdnetworks.org/resources/toolkits/patient-toolkits/new-toolkit-dialysis-patient-depression-toolkit/dialysis-patient-depression-toolkit-english and a Spanish version at http://esrdnetworks.org/resources/toolkits/patient-toolkits/new-toolkit-dialysis-patient-depression-toolkit/dialysis-patient-depression-toolkit-spanish. A related video interview with a dialysis patient has also been recorded. Find it at https://www.youtube.com/watch?v=N7Iv6JytQt4.
RSN Audio on Living Full Life 2
The Renal Support Network has published Part Two of Bill Peckham's audio on Living the Fullest Life Possible with Kidney Disease. Find it at https://www.rsnhope.org/kidneytalk/living-the-fullest-life-possible-with-kidney-disease-part-two/. If you missed Part One, see https://nwrnbulletins.wordpress.com/2018/06/22/rsn-audio-on-living-full-life/.
RSN Audio on Living Full Life
The Renal Support Network has published an audio presentation titled Living the Fullest Life Possible with Kidney Disease – Part One, featuring long-time Northwest dialysis patient and activist Bill Peckham sharing tips on getting the most out of life despite being on dialysis for twenty eight years. For example, Bill once took his portable dialysis machine with him down the Grand Canyon! Find that story at http://www.dciinc.org/newsroom/a-dialysis-patients-tale-rafting-the-grand-canyon/, and find Part One of the RSN audio at https://www.rsnhope.org/kidneytalk/living-the-fullest-life-possible-with-kidney-disease-part-one/.
7/27 SSDI/SSI Webinar
My Employment Options will present a free July 27, 2017 webinar on Returning To Work When Receiving SSD/SSI: Common Benefit Related Questions. My Employment Options is an Employment Network that helps people with disabilities return to work as part of the free national Ticket to Work program, offering Work-At-Home and Onsite jobs in 47 states. The webinars are open to anyone but limited to 250 people, so early registration and early login on the day of the webinar are recommended. For more information and registration see https://www.myemploymentoptions.com/webinar-registration-page/ and https://www.myemploymentoptions.com/ .
My Employment Options also offers free personal job placement services at any time for anyone receiving SSDI or non-retirement SSI benefits; apply at https://www.myemploymentoptions.com/ .
4/6 Employment Options Webinar
My Employment Options will hold a free Job Application Tips webinar, titled Job Application Workshop: Application Do's and Don'ts, on April 6, 2017. My Employment Options is an Employment Network that helps people with disabilities return to work as part of the free national Ticket to Work program, offering Work-At-Home and Onsite jobs in 47 states. The webinars are open to anyone but limited in capacity, so early registration and early login on April 6 are advised. For more information and registration, see https://www.myemploymentoptions.com/ and https://www.myemploymentoptions.com/webinar-registration-page/ .
My Employment Options also offers free personal job placement services at any time for anyone receiving SSDI or non-retirement SSI benefits; apply today on the same webpage.
Nat'l SW Month
March is also National Social Work month. We've added web pages to the Network 16 website describing a few skills that social workers bring to patients and facilities. Among the many things social workers do are:
- Help manage kidney disease
- Help assure quality of life
- Help with rehabilitation
- Help with education
- Help assure satisfaction
Find the flyer for facilities in this month's Network 16 News at https://www.nwrn.org/providers-and-professional-staff/nw16n.html and this month's Patient Bulletin for posting or handout to patients at https://www.nwrn.org/patients-a-family/ptedres/mon.html .


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You can't spend a whole week talking about space and not mention Sci-fi. The two go hand in hand as generations of NASA scientists grow up watching Star Wars, Star Trek and a host of other fare that gets them excited about going where no man has gone before and exploring galaxies that are far, far away. Discovering non-mainstream Sci-Fi that appeals to you, that appeals to a particular niche interest that you may have, isn't always easy though. Thankfully, there's a new book recommendation engine that can help with that: the Science Fiction Concept Corpus.
As Wired explains, "AI Researcher Bethanie Maples has been reading science fiction since she was given a copy of Dune at 10 years old. Still, two decades and nearly 1,000 books later, the self-described sci-fi fanatic struggles to find books that delve into her most niche interests, like the link between AI and transhumanism. So last year, while working at Stanford's Human Computer Interaction lab, she teamed up with data scientists Eric Berlow and Srini Kadamati to create a book recommendation tool based on more than 100 salient sci-fi themes, from hyperspace to magical feminism."
Compiled from plot descriptions, book reviews, and user generated meta data tags the Corpus is capable of scanning a collection of over 2,600 hundred books written since 1900 to make relevant recommendations. But I can do you one better with a recommendation of my own: check out James Corey's Hugo award winning Expanse series of novels and then check out the show, one of the greatest of all-time, on Amazon Prime!
Is the Science Fiction Concept Corpus the Greatest Idea Ever?


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I'm about to reveal to you all the true depths of my nerdness. I'm a Food Network junkie. I have been for years. It's not so much the instructional stuff. I prefer more the competitive shows as well as the "cooking reality" genre. That being said, when I found out through a good friend that Restaurant Impossible would be filming here in Baton Rouge and the crew was looking for volunteers, I got ridiculously excited.
Will and I both ended up working the second day of the shoot. Luckily for us, the restaurant in question was practically across the street. We would have walked if I hadn't needed my car to pump in (have I mentioned how tired I am of pumping?). It was some pizzeria that had been open a couple of years. I had gone once to pick up a couple of pizzas for carry-out. The main thing I remember was HOLY SHIT THEY WERE EXPENSIVE. We never went back. And that sucks, as A) I do like to support locals, and B) I like to support anything in my own neighborhood – convenience and commerce at my fingertips, you know? But $21 for a margherita pizza? That merde might fly in New York City, but not good old Red Stick. Anyway, it seems that the main problem the place had was that the owner was a legitimate yankee, and came across as downright surly (read: rude jackass) to customers. The dude was nice to me when I went in, but $21?!
I'll be honest: going into this, I really could've cared less about being on TV. I'm the nerd who wanted to see how this stuff really went down behind the scenes and to meet Robert Irvine. No, I don't think he's hot. He's just interesting, you know? He's so militant. And he YELLS. But he always seems so sincere on the show – part psychologist, part dad, part businessman, part chef (duh), part contractor, part decorator. The dude just seems to do it all. Was it legit? Was it all for cameras? How did it go? I shall summarize:
- For a show that's so established, it was remarkably chaotic. We stood around for an hour and a half doing NOTHING. Then all hell broke loose and hell loosed for the rest of the day.
- From an arts and crafts perspective, there was no plan at all for some of the projects. The first major thing I got sucked into was antiquing these huge mirrors. Essentially, you use strippers (chemical – not pole dancing) to remove the back rubberized layer. This revealed the metallic reflective layer. Everyone seemed surprised that the stripper wouldn't take that off and that regular scrapers and sandpaper scratched glass. Will and I played a big part in trouble-shooting and Will really saved the day by running home to get some 2000 grit sandpaper he happened to have laying around. The designer (Cheryl was the one on this shoot) actually was kind of "briefed" by me before going on camera.
- Some people suck. They just suck. At least half the volunteers sat around with their thumbs up their asses all day, clearly only wanting to be on camera. There were 2 girls that attached themselves to Cheryl's assistant and they just strutted around after her all day. It was like a Food Network production of Heathers, only instead of bows in their hair, they all had on skinny jeans and knee-high boots to go with their flat-ironed hair.
- These Food Network people work HARD. Yes, Tom the builder ran around like mad all day. Cheryl was lovely. And they were all so nice, particularly once you had been identified as a true worker-bee vs. a Heather.
- I was the biggest nerd there. I was the only one who identified Marc Summers. I was the nerd who asked to take a picture with him. He was quite kind and gracious about it.
- Robert Irvine is a cool dude. Yes, he really does yell like that. But that man works. He really does. It's not just for the cameras. He orders everyone around, and it's your ass if he catches you standing around.
I antiqued mirrors. I cleaned grout out of a floor (Shit, I've never cleaned the grout in my own floor). I scraped paint. Will had the sexier job of hanging pictures although it stressed him out. I got positively high on Goof-Off. We both were filmed a lot, so I think that, unlike the Heathers, we have a greater shot of being in the – well – shot.
Our shift was scheduled 10-5, and Oui Oui was home with my kids. By 6:00 the tables were just going in and my boobs were about to pop. I was also terribly conscious of the fact that both my kids would be getting gnarly in that lovely pre-bedtime way that kids have.
The Chef had announced early in the day that he didn't take pictures with folks until the work was done. That's understandable. But I had reached a point where I needed to go. I regretfully told him that we had an infant at home and needed to go, but that I had appreciated the opportunity to participate. He was very nice and agreed to stop and take a pic with us since we "had worked so, so hard." Note: I have removed this since the show has not yet aired. But we had our pic taken with Robert, I swear.
In short, it was a really neat experience. If any of y'all out there find out that the RI crew is coming to town, it's worth taking the day off. It's nice to do something for others and it's just cool to see what goes on.
Now, I'm off to take some more damn ibuprofen. Scraping paint off floors makes me hurt.


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Angular contact ball bearing 3NCHAF908CA
Bearing number : 3NCHAF908CA
Size (mm) : 40x62x12
Brand : KOYO
Bore Diameter (mm) : 40
Outer Diameter (mm) : 62
Width (mm) : 12
Bearing dimensions and specification in KOYO catalogue:
d - 40 mm
D - 62 mm
B - 12 mm
C - 12 mm
Angle (α) - 20 °
a - 15 mm
r min. - 0,6 mm
r1 min. - 0,3 mm
Weight - 0,118 Kg
Basic dynamic load rating (C) - 6,05 kN
Basic static load rating (C0) - 3,8 kN
(Oil) Lubrication Speed - 71 000 r/min
Tags : KOYO , 40x62x12
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The Change of Chinese People's European Travel
The opening ceremony of the "EU-China Tourism Year" in 2018 was held in Venice, Italy. The two sides will expand the scale of tourism exchanges this year, enrich the contents of tourism cooperation, improve the tourism cooperation mechanism, and actively promote the building of China-EU partnership.
In 2017, the development trend of the European tourism market was relatively good. The number of trips to China as well as the per capital consumption of Chinese tourists in Europe has a relatively high growth. China Tourism Research Institute and Ctrip.com recently jointly published the 2017 China-Europe Travel Market Data Report. It has been pointed out that since the signing of the ADS agreement, the number of China-EU tourism exchanges has increased by an average of 10% annually, with more goodwill, more tolerance, and more. More patience is becoming the main theme of China-EU tourism cooperation. In 2017, more than 6 million Chinese citizens visited Europe at the first stop, together with more than 12 million Chinese tourists who visited Europe from other regions. Tourism has made significant contributions to local economic growth and social employment in China and Europe.
According to the data for 2017, we can see that Chinese tourists still favor traditional hot tourism destinations and attractions, and the tourist groups are mainly from the more developed large cities in the east. What is different from the past is that there is a noticeable increase in the demand for comfort and personalized experience for tourists. Website data shows that the proportion of scheduled four-star hotels is the highest, as high as 44%, an increase of 69% compared with the same period of last year; and five-star hotels have the largest increase, an increase of 72% compared with the same period of last year. Due to the convenient infrastructure and favorable policies, more young people and family groups tend to choose free travel and in-depth travel. The high-end tourism products account for the largest proportion, and more and relatively unpopular tourist routes and directions are increasing. From this we can see that among Chinese tourists visiting Europe, the proportion of tourists choosing medium and high-end tourism products has increased, visitors' spending power has increased, and tourism experiences and comfort have become more important.
By Runyi Li


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The Sanchez was far more than a sighting or burial mound.
Sanchez Mound was a station to help survivors find their way back home. It exists on the torn continental coastline of Northern Florida, Southern Georgia, it centers in a beautiful, natural space called Ponte Verde, Florida.
Remember at this time there was just one group of humans who had not only surveyed the planet once but had constructed Artifacts around the Earth all based on the same universal geometry. When the earth was struck these megalithic Artifacts were knocked over, strewn around and jacked up to the thirtieth parallel where their remains can be seen today. This was the advent of the tropic of Capricorn and Cancer.
The Sanchez and Fire-Tower mounds inhabitants hosted the very earliest Human migration. Some West Africans used wind and ocean currents to find their ways from West Africa to Brazil, and then up through the Cuban straights (water levels were very low) to Miami where they paused for sustenance and direction creating the Miami Circle then moving on up to Ponte Verde, by now they were a family group returning home.
When the groups arrived at Sanchez, they spent a moment resting then moved inland. It appears once they established Tower Mound, they walked due North and started a new line of stronger statements as they continued towards the Plains: Letchworth/Love, Lake Jackson, Velda, Yon, Cayson, all on the same parallel with, where possible, paths between them.
A lot later, as the ice caps dissipated, pilgrims waiting in Siberia began following the herds across Beringia and moving South
Once these groups reached what would later become Maximum glacial moraines or the southern reach of the glacier, they joined with others continuing along the thirtieth parallel to where their remembered stories told them they should be. This feeling of returning home still creates a cultural movement.
When we ask our Indian communities where they came from, they say "We have always been here." These early people were big, light-skinned healthy humans. They were the people who later became Indians and kept the dream of unification alive while waiting at their post for those who could and did, later return
By the way, there were no "Red" people.
Tribes on the West of Africa are still by far the largest and most athletic groups, and many of them have straight black hair. The Hebrew genes seem to have been the initial set we inherited.
Mongolians have straight black hair, they came over the top and down the west coast, but the straight black hair we are looking at is not Mongolian. The Olmecs are an instance of straight black hair coming through Beringia then flowing down the West coast.
The San Tribe or Bushmen are tall, athletic and have very kinky hair. These groups coming from the southern Latitudes had deep brown eyes. These Bushmen settled around the coast to Australia. There are lots of places to trace their DNA. The Africans returning through the West coast, really only had St. Helenas Island to drop any DNA, then it was water all the way to Brazil.
The Indians in this area will be tall, swarthy-white, have straight black hair, dark brown eyes, and Hebrew(white), African (black) genes.
The "men of old" did survey the globe one more time.
Thank them that we are here.
Quick notes:
I was so intensely studying the ground that I wandered off the reservation… the boundaries of State-owned land. Through my wandering (totally lost) off the Letchworth Indian Mound site for several hours I met the land-owning stranger who turned out to be a wonderful person, he gave me water and offered to take me back to the Letchworth mound.
While standing by his truck looking South down the rolling horse pasture, he mentioned that he and neighbors found very few artifacts and no arrowheads. In five hours of lost crisscrossing the area, I found two snail shells, no debitage the owner said his neighbor found one spear point over the years.
Then (Scott) told me There was no chert on his seventy-five acres except for over there (pointing down the hill) I've found many small pieces of flint.
The presence of many small pieces of flint suggests this could have been the village sharpening post.
Many of us that have tried knapping realize its an acquired skill which many people aren't up to. You can talk the talk but walking the walk sometimes mashes your fingers and makes you want to pay someone who knows how to do it.
The absence of large flakes suggests that the tools may not have been made there but could have been brought there for sharpening. Ex: A six-inch blade breaks in half. two arrow points can be re-knapped from the knife when a tip breaks off the arrow point it can be retouched into a scrapper. A lot of small pieces suggest a lot of retouching and sharping, the smaller the pieces demonstrate a deepened caring for a particular lithic piece.
About Flint arrowheads: They were proceeded many years before by hunters simply sharpening sticks and hardening them in the fire to make arrows or spears.
A further investigation may help Archeologists determine the size and texture of the village.
Add to that, Lake Miccosukee may be a Paleo Pond.
So, If you are the person who returned me to the Letchworth mound site I am deeply grateful.
When deeply lost I asked Siri "where am I?" She gave me this address.
If this is being sent to the wrong address please know you have one heck of a good neighbor. His name is Scott, I hope to meet him again.
Ancients had stargazing down,
Posted by KA Report on Thursday, October 10, 2019
A female amphibious tetrapod crawls up onto the beach, the land is crawling with hairy land creatures, and one of them rapes her. She crawls back into the water and has her young, most likely ending that lineage.
male amphibious tetrapod swaggers onto the shore and rapes a land-based female animal returns to the water, and that female land animal's lineage remains on land and is changed forever.
Many amphibians which made it onto land, quickly evolved nose and ear hair to protect their orifices from a smoke-particle filled environment. Many mammals maintained their Nose and ear hair as they found land environments too harsh for life and returned to the water.
Sapien-Sapiens still maintain their smoke cravings. Humans inhale many different substances for different reasons. The merge factor is smoke. Those humans who developed a high tolerance for smoke and lousy air became strong among ancient survivors.
A pregnant Earth warbled herself into a cosmic pattern moving around the sun, found an uneasy space in the planetary system then Calved. She flung off two lumps of earth, one much larger than the other. Eve, our tonight-moon, worked out well and helped balance the new planet in its proper orbit.
The second and smaller clump of the earth to calve did so in an elliptical and slightly irregular orbit. When this smaller and erratic clump came whizzing by it created havoc on the planet. We called this smaller moon, Lilith. She was trouble. Every time Lilith came by in her drunken orbit rivers overflowed, planetary menses altered dramatically and young boys had wet dreams.
Lilith became the Succubae then later the witch of Halloween riding on her broomstick in front of a full moon.
Lilith's irregular and elongated orbit brought her close to the earth several times each year, eventually bringing her into brushing contact with the earth. This contact was not a head-on collision. This clump had initially flown off because of Earth's absolute need of equilibrium. This return event created a harsh bumpety-bump which emptied oceans, rivers, ponds. This accident created the mess which started the first water take-up of the maxima.
The first procedural action of the earth is to maintain its balance. After Lilith brushed into Earth her iron (which initially came from the Earth) merged back into the center of the planet making it less than perfectly round.
Earth has the capability of moving water over and around Her surface. The reallocation of water maintains balance. Once stasis has been achieved water freezes in place to create Earth's orbital stability. Ice caps manage these dramatic events.
If we can imagine that during the large drought which created the first diaspora out of Africa, the sea level was almost 400' lower than it is now. The continents were larger so not so distant.
Use of a Google map makes this more visible. This on- line wind and tides chart makes it much clearer.
Here is a very informative animated chart of wind and tide directions which were probably in play during archaic times. The oceans were down 400 feet making mountain islands more visible and directional sailing more possible.
St. Helena island, 16.31 degrees south, 5.67 degrees west, has a current elevation of 1,051 feet. When the water level was lower by 400' that would have been a 1,500' beacon island for sailors. The currents run from the South West coast of Africa directly to St. Helena Island and from St. Helena Island directly to the eastern shoulder of South America.
There is a constant wind current from the bottom of South Africa straight to the Islands of St Helena another island a little farther north, Ascension Island would have been another rest haven for sea voyagers heading for the Brazilian coast in the northern part of South America.
Ascension Island, 7 degrees, 57min. South, is at 1, 215-foot elevation. Adding 4oo' of elevation (lower water level) to that gives a 1,600' beacon Island. This Island would be a back up if you missed St. Helena's.
If this route worked it would be easier to understand how Bushman art shows up on south American cave walls along with unsutured Nephilim skulls.
The story is that the X2A Haplo came with them.
It is implausible that a universe of energy compacted to the size of a green Pea exploded into chunks of hard stone whizzing throughout space. It is more believable that it blew into a fine dust floating throughout empty space without constraints.
Notice in the family home we are unaware of the fine dust particles floating through the air in the room. When we check under of the bed, we find this wispy accumulation has bumped into constraints of the walls, bed legs and lack of circulation. The dust forms into flocks. The slightest breeze sends them off in various directions.
I have a water feature in the backyard. It contains about 25 gallons of water and a few stones. It is noticeable that any dust fallen into the water never escapes. The Wind cannot move or retrieve it. In fact, it settles to the bottom of the tank and structures itself to become mud.
Again, dust caught in water never escapes as dust. Flocks of dust settling on a bare floor will continue to move around until they are constrained.
During the big bang, event Hydrogen was available in gas form. As the dust exuded Oxygen, it mixed with hydrogen and water formed. The ball of water was full of particles which began flocculating once constrained by the surface tension of the inner bubble wall. As this constrained dust flocculated into the mud, Earth began to form.
I know, you know, I don't know nor do others but we're all trying to put the puzzle back together.
The internet, youTube, and Google Earth have triggered a huge paradigm shift. The image and idea of fifty white men pulling long roped- up blocks of four-ton rock were painful to watch and are finally gone.
The evidence is revealing a race of Giants that could weigh up to a ton each. Very large, strong and intelligent Megalithic people. We should never diminish their physical participation in Rite Building.
A new line of thought of why they built in stone is that they had a fresh memory of the cataclysm and all that had been lost. A heavy stone was the most permanent vehicle to rebuild on.
Rite is the first time an event is performed. Ritual describes these Rite activities performed over, and over again. The Megalithic Rite was to capture the sun's markings, direct and build a foundation then show others how to use their work, after which they picked up their tools and moved on.
Others having been shown this
geometry became very sophisticated in creating large beautiful spaces.
Megalithic work is clear to see once you've noticed it. Megalithic foundations around the globe survived the floods and other cataclysms. Most of their work was later built upon by others.
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Recently published in Ancient Origins, it is noted that DNA studies indicate that people could not have crossed the Beringia land bridge to enter the Americas 13,000 years ago because the Although this finding by geneticists is surprising, it adds more mystery to the archaeological evidence that anatomically modern humans were in South America tens of thousands of years before Ice Age people could have crossed a viable land bridge between Alaska and Siberia.
There is confusion between the identity of the Solutrians and Clovis people. Most of the 562 Federally recognized tribes believe they were always here in America. There is an Ancient strand of unidentified DNA present in many tribe's Genetic pools. Most of the over the top people appeared around six thousand years ago. Linguists have counted 296 different Indian languages in America and believe it would have taken at least thirty-five thousand years to evolve that many different styles of speaking.
The hypothesis which grows stronger every day is that
An Adamic race of huge white toned people marooned in the Americas after the breakup of the single continent, Pangea existed in a severely diminished fashion. Their relatives struggled for survival on other continental shores as the other parts of Pangea slowly drifted away from each other. So this Adamic strain of DNA has from the beginning existed in the Americas. There is a remote chance that these Giants also contained the original Hebrew gene.
Drought conditions correspond to glaciations in a one to one manner. As the maximum glacier continued, the water uptake created a massive South African drought. As the drought moved North from South Africa, a tribe of straight haired Africans (West Africans tend to have straight hair whereas the Aborigines on the East coast have tight Kinky hair).The X2 gene of the Aboriginals first came from West Africa into Brazil on the prevailing wind currents.
During the drought, water levels were up to four hundred feet lower than now. The continental shelves show the land masses were larger and closer together. There is an island almost centered between Africa and Meso-America named St Helena. Research shows many caves located at the base of St. Helena Island, located in the Mid-Atlantic between Africa and Brazil. Jamestown would have been a thousand feet above the water at that time almost visible from either shore with wind currents moving from West to East.
These straight haired black Aborigines appeared to have deep water canoes. We have cave paintings of the San tribe using such boats in some of their trips to India and Australia.
in Meso-America, there are caves 300 feet under water which contained an Aboriginal skull of a young woman and it is in proximity to a large unsutured skull.
The first of the Adamic race had unsutured skulls which were one of their impediments towards evolution.
The drought caused by the planet righting itself after the cataclysm occurred drove the East Africans up into Mesopotamia and on to India, Australia, and New Zealand. The West Africans (straight haired) Swam, paddled and sailed from West Africa to Brazil using St. Helena Island as a stopover.
Island authorities say that the Island has a complicated history. Napoleon was jailed there for years, and before that, it was used as a slave trade stop over. Authorities said there are the bone remains of over five thousand slaves resting there. They will eventually check the DNA of these slave bones. At this point, everything seems to have been washed off the Island by weather making ancient DNA finds impossible.
Because of the East African explorers traveling easterly over land and along coastlines, towards India and Australia, their DNA has been easier to track. The Aborigines traveling to Mesoamerica via St. Helena Island had no place to drop DNA before they reached Brazil.
The mixture of African Aborigines and the Native Americans created an admixture of what later became the first North American Indians. This mix happened around thirty-five thousand years ago.
These explorers created small communities which had all but died out by the time Earth warmed enough for migrants to move down from the North. As the glacier melted, it created vast grasslands in North America which spawned large groups of animals the hunters were of fond of following from North to South. These people met again at the Ohio Valley and created a DNA-rich environment such as had existed in Mesopotamia and the mid-East.
Poverty point Louisiana occurred around six thousand years ago. This large pyramidal mound, built from people moving up from the South, was created before the Egyptian pyramids.
These people migrated up through Cuba and continued up the East coast of North America until they reached the thirtieth parallel at Ponte Verde then they turned inland (East to West) and created a line of small sighting mounds From the Atlantic to the Ohio Valley.
When migrant hunters came down from Canada, they merged with the remnants of these early people thus creating a mixture of DNA from Solutrians, Denisovans, Clovis, San tribe aborigines.
The hypothesis is that the large people who inhabited Pangea suffered DNA degradation after the collision destroyed the atmosphere and although it took many generations they finally lost out to this hostile environment. We have instances of a significant number of large people with six fingers, six toes and double rows of teeth. Their genetics seem to have devolved significantly into this debilitated human condition. This condition witnesses the degradation of the "giant gene."
Legends of happy American giants are still extant in stories like Paul Bunyon and Babe his blue ox, or Jack and the Bean Stalk or giants standing on giants shoulders to reach Heaven. The Jolly Green Giant, Gulliver's travels.
It is a mystery how the Aborigines who moved up into Mesopotamia ahead of the drought mixed with the Jews who had gone out of Assyria into Sumeria and down into the melting pot which became Mesopotamia. By the time the admixture of Jews and Aborigines happened, the Jews had had enough time to figure out the Kabbalah. This Kaballa information exists in the geometry of building foundations around the planet.
The ancient Hebrews from Assyria were remnant traces of the Adamic race which had survived after the continental split up.
These people had maintained the Adamic indigenous knowledge throughout their diaspora into their new world continent. These Jews carried the knowledge of Geometry and building down into Mesopotamia and on to other places. So for Jewish genes to have gotten into North American Indian bodies this way it would have taken a much longer time. Aborigines would have had to come up the East coast of Africa into Central Asia, meld awhile then start the long journey along the coast to South America.
Focusing on the years 35,000, 13,000, and 6,000 with the realization that Catastrophes cause drought and drought causes migration One can see a steady migration ahead of droughts and long pauses waiting for glaciers to melt away.
There is confusion about the identity of the Solutrians and Clovis people. Many North American tribes believe their ancestors were always here in Americas. Genetic Science corroborates an Ancient strand of unidentified DNA is present in many tribe's Gene pools.
Most of the Explorers who arrived traveling over the Siberian land bridge appeared around six thousand years ago. Linguists have counted 256 different Indian languages in America and believe it would have taken around thirty-five thousand years to evolve that many different styles of speaking.
Speaking with authorities on the Island of St. Helena they say that the Island has a complicated history. Napoleon was jailed there for years, and before that, the island served as a stopover point for slave traders. Authorities say there are bone remains of over five thousand slaves resting there. Geneticists will eventually check the DNA of these slave bones. At this point, all ancient remains seem to have been washed off the top of the Island by weather making ancient DNA finds impossible. There is hope that divers will discover ancient artifacts in the underwater caves at the base of the Island.
Because of the East Africans traveling over land and along coastlines, their DNA and pathways have been easier to document.
Western African Aborigines traveling to Meso-America via St. Helena Island had no place to drop DNA before they reached Brazil.
The Appalachian mountains were pushed up leaving deep ravines in the lower end of the chain. These ravines are very idyllic. I have been there with Pastor Calloway and can report first hand that it is a special place. There is huge bio diversity in the ravines. Each ravine has a pure spring coming from it and in the afternoon I have seen streams turn into solid gold. Of course it was iron pyrite but when the sun hit on it in the afternoon visually the entire stream glittered gold. All of the Ravines lead down into one larger stream that comes out of the garden into the Apalachicola river. This river has four heads: Chattahoochee river, Fish pond creek river, Spring Creek river, Flint River.
Rediscovered by Pastor E.E. Callaway. The Garden is now kept by the Florida bureau of Natural Resources and can be visited at will
In the area known geologically as "New" Appalachia, especially where there are softer limestone rocks that yield to the constant solution by water and weak acids, numerous caves are a distinctive feature of the physiography. The chief caverns lie within or border the Great Valley region of Pennsylvania, Maryland, West Virginia, Virginia, and Tennessee. Caverns of the Shenandoah Valley in Virginia provide well-known and dramatic examples of underground passages, rooms, watercourses, formations, and other cave features that honeycomb much of the land below central and southern Appalachia.
Located just south of Torreya State Park along CR 12, the Apalachicola Bluffs and Ravines Preserve can be reached from either SR 20 in Bristol (drive north on CR 12) or from I-10. Driving north from Bristol, go 1.6 miles to Garden of Eden Road, turn left at the sign, and continue 0.4 mile to the parking area. From I-10 exit 174, head south on CR 12 for 20.3 miles, passing Torreya State Park. Turn right at Garden of Eden Road. There are no facilities at the trailhead.
The awful tilt of the Earth was caused 4.5 billion years ago by collision
with one of it's moons. The bulge in the center circumference of the planet is formed by this collision and can be seen in photos from outer space today.
This catastrophic collision created the first world flood, 4.5 billion years ago. The flood waters did not come from glacial destruction but from shattering earth quakes, volcano's, tsunamis. Water pouring from tilted oceans, rivers and streams as the continents tore apart. This was the destruction of Pangea.
This first cataclysmic world flood enabled the water uptake which, over
millions of years created the maximum glacier. It was the destruction of this Maximum glacier by a comet, thirty four thousand
years ago which created the huge ensuing flood. The influx of so much fresh water quickly shut down the climate conveyors and reverted the climate immediately into the minor Drias glacial period. Another Asteroid destroyed this newly formed minor Drias glacier thirteen thousand years ago. The heated destruction of this glacier happened quickly and created Noah's flood.
"From 1990. The sacred pole of the Omaha tribe, perhaps its most important religious symbol, is returned to the tribe following over 100 years as a museum artifact at the Peabody Museum of Harvard University."
imploded reducing
all energy to an
which exploded
with a Bang
blending gasses
with mineral
and Oxygen emanated
through-out this galactic material.
metallic dust particles
floating in this globe of water
formed an earthen ball
in midst of this fluid field.
Two agglomerations spun
from the emerging Earth
forming two erratic moons.
The inner moon called Lilith
by the Jews was smallest
of the two moons.
We called the
large moon
The new earth
from the water
with two moons
orbiting overhead.
approximately 335 million years ago
Evolution occurs one sex act at a time.
was very good
for millions of years.
13.8 Billion years ago.
Water is a fluid which exists naturally in four different forms: gas, liquid, solid and a fourth made up by a molecular exchange which enables strong surface tension.
( Water holds the greatest surface tension of all fluids. When the bubble is forming a molecular exchange occurs which solidifies into a layered sandwich like surface which disappears when the bubble breaks).
In the Beginning of our Universe gases prevailed. Hydrogen quickly merged with Oxygen in the mineral dust and formed large pools of water packed with galactic metal particulates. Galactic dust began floculating within the water-balls creating mass and proportional gravity.
These floculating metallic dust particles created electrical charges adding magnetism to the forming planet. As these stones deepened in physical frequency they began emanating oxygen then as the planet passed through these huge gas clouds, lightning entered the picture.
Coagulants and flocculant's are the solids/liquid separation of suspended particles in solution. Such particles are characteristically very small and the
suspended stability of such particles (colloidal complex) is due to both their small size and to the electrical charge between particles.
Water subsided and earth arose out of the mist.
"And God said, 'Let the waters under the heaven be gathered together unto one place, and let the dry land appear: and it was so.'" This first piece of earth was called UR, later to become Rhodenia.
Earth solidified into a balanced orbit with other forming planets all held in proper relation to the sun.
Millions of years past as life formed on earth. The Planet became rich with creatures.
Illustration 1: the evolutionary products of water.
Earth's orbit was very regular there were no seasons, it was a pleasant place for life to thrive. It
only took a short time for stand up intelligence to take control.
Evolution occurs one sex act at a time.
More Bible
4 "There were giants in the earth in those days; and also after that, when the sons of God came in unto the daughters of men, and they bare children to them, the same became mighty men which were of old, men of renown."
Illustration 2: An unsutured skull
Illustration 3: An unsutured skull
There was a group of Giants which came after that."
these were an evolved group of dark skinned Cousins of the first Nephelim. This cousin group of Homos had evolved collapsible skulls and the ability to develop melanin in their skin. The sutures made child birth safer and allowed the skull to expand to host enlarged brains. This was a darker race of extraordinarily large people who lived in the Garden of Eden with red Adam.
Earth has the observable ability to distribute and re-distribute resources around it's globe in order to maintain proper balance. The extra "mist" began evaporating and was deposited on the Arctic and Sub Arctic poles of earth as balancing glaciers.
Water pick up and its redistribution is a lengthy process which deposits water as snow creating snowy glaciers. Water pick-up created desert drought conditions as it crept slowly up the land mass of Africa, herding humans before it.
There was a long period of well balanced and extraordinary growth.
Human intelligence developed on the Savanna and these peaceful Nephelim children of God peopled Pangea; they learned how to follow the sun. As time passed they discovered geometry in the shadows surrounding their walking staffs.
Where did Adam come from? Adam's genes filtered out from the San tribe who evolved the first diaspora out of drought stricken sub Saharan Africa.
"6 And it came to pass, when men began to multiply on the face of the earth, daughters were born unto them…
the sons of God saw the daughters of men that they were fair; and they took them wives of all which they chose."
75 million years ago Toba volcano
The Toba super eruption was a super volcanic eruption that occurred about 75,000 years ago at the site of present-day Lake Toba. It is one of the Earth's largest known eruptions. Wikipedia
An international team of scientists has found that the climatic events that ended the ice age before last are surprisingly different to those of the last ice age.
65 million years ago Chixalube asteroid impact
The Chicxulub crater is an impact crater buried underneath the Yucatan Peninsula in Mexico. Its center is located near the town of Chicxulub, after which the crater is named. Wikipedia
5.4 million years ago, the worst tragedy of all!
the Earth was struck by a large object.
The impact knocked the earth off it's axis by 23 degrees. This accident created seasons and triggered a first huge flood.
Everything was knocked back.
This was an evolutionary bottle neck a serious extinction event. The light skinned Nephelim became seriously diminished in numbers during this bottle neck event.
The Nephelim skull found in an underwater cave in Peru was left there before the debilitating impact of Lilith.
The impact fractured Pangea and the new continents began drifting apart.
Civilization had to begin again with a smattering of people and a very bleak future.
34 million years ago meteor impacts.
The extinctions are related to several large meteorite impacts. One such event caused the Chesapeake Bay impact crater, and another at the Popigai crater (100 km) of central Siberia, scattering debris perhaps as far as Europe. New dating of the Popigai meteor suggests it may be a cause of the mass extinction.
A leading scientific theory on climate cooling at this time is decrease in atmospheric carbon dioxide, which slowly declined in the mid to late Eocene and possibly reached some threshold approximately 34 million years ago. This boundary is closely linked with the Oligocene Oi-1 event, an oxygen isotope excursion that marks the beginning of ice sheet coverage on Antarctica.
13 million years ago comet impact
Nano diamonds found across North America suggest that major climate change could have been cosmically instigated
Roughly 12,900 years ago, massive global cooling kicked in abruptly, along with the end of the line for some 35 different mammal species, including the mammoth, as well as the so-called Clovis culture of prehistoric North Americans. Various theories have been proposed for the die-off, Note the burn layer.
A new approach from the South West of Africa to the Eastern shoulder of Meso America looks to have been very possible. Modern computerized wind and tide charts show how this worked.
Here is a very informative animated chart of wind and tide directions which were probably in play during archaic times. The oceans were down 400 feet making mountain islands more visible and directional sailing more possible.
This wind chart and Google Maps helps make the story clear.
A link to Google Maps
There is a constant wind current from the bottom of South Africa straight to the Islands of St Helena another island a little farther north, Ascension Island would have been another rest haven for sea voyagers heading for the Meso American coast in the northern part of South America.
St. Helena island, (Jamestown) 16.31 degrees south, 5.67 degrees west, has a current elevation of 1,051 feet. When the water level was lower by 400' that would have been a 1,500' beacon island for sailors. The currents run from the South West coast of Africa directly to St. Helena Island and from St. Helena Island directly to the eastern shoulder of Meso America. Ascension Island, 7 degrees, 57min. South, is at 1, 215 foot elevation. Adding 4oo' of elevation (lower water level) to that gives a 1,600' beacon Island. This Island would be a back up if you missed St. Helena's.
Please look closely at this San tribe cave art. This is a large movable sail, steep ended, sea faring canoe. With a dark skinned Giant walking up the path. Check out his little legs.
If this route worked it would be easier to understand how San's Tribe (Bushman) art shows up on south American cave walls along with unsutured Nephelim skulls. This could have been another DNA route out of Africa.
The ancient Nephelim unsutured skulls found in an underwater cave in Peru could have been deposited there when Pangea was peaceful and whole, They were the light skinned children of God who inhabited the Earth.
When the Earth started drifting apart some species got stranded others died out. This was an extinction event for the light skinned Nephelim in Peru. It became about those Nephelim who had developed melanin in their skin and sutures in their skulls.
Members of the San tribe migrated up from Southern Africa into Mesopotamia where their blood lines mixed with the Jewish population that had been pushed out of Syria. These Jews passed the understanding of Kabbalah into the Tarot of that time.
Civilizations became very condensed as drought moved up the continent pushing civilizations ahead of it.


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Set of Six Horse Coasters
This beautiful set of six horse coasters is just superb and would make a wonderful gift for any horse lover.
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Did You Know?
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Sterling continued its relatively tame fightback yesterday, pushing nearly 1% higher. However, the stand-off between the UK and Europe remains deep. Europe waited for the UK to formally trigger Article 50, the formal process to leave the EU, whereas the UK stated it will wait until a new prime minister is in place. This now appears to have been accepted by the EU. The contest for a new Conservative Party leader began yesterday. The bookies have backed Boris Johnson as the front runner, with Theresa May as a close second.
Across the pond, a Fed rate rise has now been pushed back by the markets. Markets suggest the next rate rise will be in January 31st 2018. Earlier in the week, Federal Reserve Governor, Jerome Powell, warned that global risks have shifted further to the downside since the UK stunned the world and voted to leave the EU. Economic markets are now pricing in an interest rate cut, rather than a hike for the rest of the year.
The weekly jobless claims figure from the US is released this afternoon, where economists will be watching to see if it can continue its good run of form. The UK current account is released early Thursday morning, with the figure forecast to narrow slightly to -28.1b.


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Manila ranked 9th in Top 11 most expensive cities in Asia in 2018
Shanghai reclaimed its title from Hong Kong as the most expensive city in Asia according to the eighth annual edition of the Wealth Report Asia released by Swiss private banking group Julius Baer on Dec 4. The Philippine capital, Manila, is ranked 9th.
The report tracks luxury expenditure trends among Asia's high net worth individuals, or people with a net investable wealth of $1 million or more, excluding main residence property. This year's report shows the cost of luxury living, as measured by the Julius Baer Lifestyle Index, rose 2.91 percent in USD terms, compared to a 1.42 percent gain in 2017.
The Julius Baer Lifestyle Index 2018 compares 22 goods and services across 11 Asian cities. The overall basket of goods and services in Shanghai rose by 4.8 percent in US dollar terms, and is also the most expensive city for six of the index's items — hospital accommodation, watches, ladies' handbags, wine, jewelry and skin cream. Kuala Lumpur remains the least expensive city on the list.
Let's take a look at the top 11 most expensive cities in Asia in 2018.
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