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Latest client notes all courtesy of our friends at efxnews.com
JP Morgan: On Hold, QE Extension In December
We no longer expect a rate cut and think that a decision to extend QE beyond March 2017 will be taken only in December. In addition, we think the staff will assume only a modest 0.2%-pt hit to the level of GDP from the Brexit vote, taking a tenth off 2017 and a bit off 2018.
Morgan Stanley: On Hold, Bullish EUR On Crosses.
We remain bullish on EUR. The eurozone economy has held up well post-Brexit, supported by the recent release of eurozone August PMIs. Our economists are now expecting the ECB to ease only in December instead of September, with the risk that it may not ease at all, supporting our bullish EUR view on crosses. Even if the ECB extends its QE programme or cuts rates further, we think it will not be able to push down long-term bond yields substantially to weaken the currency, as eurozone bond yields are already low or negative
Credit Agricole: On Hold, Upside EUR Risk.
In conclusion we see limited scope of Draghi making a case of more policy action being considered anytime soon, especially as its adverse effects as related to the banking sector may just intensify. As a result of the above outlined conditions position squaring related upside risks cannot be excluded, especially as EUR short positioning has risen of late.
Barclays: ECB To Adopt Wait & See Stance; EUR/USD Neutral.
This week's ECB policy meeting (Thursday) will likely be neutral for EURUSD, in our view. Without significant changes to EA activity since June, we expect the ECB to adopt a 'wait and see' response, keeping all policy settings unchanged Our own expectation for European growth is that the political and policy risks, which were already elevated for Europe, have become even more pronounced post-Brexit. We think these risk factors will eventually lead to investment weakening by the end of 2016 but do not think the ECB will factor in these political risks at this juncture.
We also expect only marginal downward revisions to the ECB's inflation projections with risks still skewed to the downside. Our expectation for further policy easing in H2 16 remains in place, however, with the ECB likely expanding its QE by six to nine months at its October or December meetings, accompanied by modifications to the programme's technical parameters. We think that this move is highly expected by the FX markets.
BTMU: ECB To Delay QE Extension To Oct Or Dec; EUR Positive.
We had for some time been calling for an extension to the deadline for QE to be announced at the September meeting but our sense now is that the ECB may well delay that announcement until the October meeting or possibly the December meeting. As usual, the reaction in the markets and for the euro will very much depend on the tone of comments from President Draghi. What is clear is that an extension to the QE timeline is widely expected by the financial markets and as long as President Draghi makes clear that this is likely to be forthcoming rather than being abandoned, then the upside for the euro should be limited.
We certainly do not see the ECB meeting this week as being any catalyst for a notable move one way or the other and while a delay in announcing a QE extension might be EUR supportive, we expect President Draghi to be explicit enough in providing forward guidance that reassures market participants that further easing will be forthcoming. In addition, President Draghi will signal technical changes to address concerns over sovereign debt securities becoming too scarce for the ECB to meet its monetary policy commitment.
Danske: ECB Will Keep The Powder Dry: No QE Extension At September Meeting.
We have changed our view and now expect the ECB to remain on hold at the meeting in September. We believe that in the ECB's view the incoming information since July does not warrant additional easing. We still firmly believe the ECB will eventually extend QE purchases beyond March 2017 due to the lack of a sustainable path in inflation.
However, for now, we expect it to keep its powder dry. A QE extension could be accompanied by changes to the purchase restrictions but we do not expect this to be announced in September. Previously, we also expected a temporary step-up in QE purchases as we looked for a weakening in economic data.
RBS: QE Extension On Thursday; Another Depo Cut In December.
We do not expect any changes to interest rate settings or to the monthly pace or the scope of the asset purchase programme (APP) at this Thursday's meeting. But we are now expecting the ECB to extend the APP from March 2017 to September 2017. We think the ECB would rather act on this timing issue now rather than delay what we believe to be an inevitable adjustment to the programme at a later date. We expect another cut in the depo rate and a further upscaling of the QE programme in December.
BofA Merrill: QE Extension; No Large EUR Impact But Risk Likely To The Upside.
We argue the ECB cannot keep its options open until December. With macro data still weak and high market expectations after a dovish July meeting, we believe a commitment to continuing QE after March 2017 is the least markets expect. While the ECB is aware of the adverse consequences of its unconventional policies, we think its communication is still consistent with a full commitment to deliver on its price target, even if the other branches of policy are not as helpful. We do not see a large EUR impact from the ECB QE extension. The distance from the ECB's inflation target is so long that we do not believe there is any investor who does not already expect the ECB to continue QE after March 2017. The market impact will depend more on the length of the extension and the technical changes to the QE program to allow extending it.
As we expect only a six-month QE extension, with the technical details left for later this year, and no changes in the depo rate, we do not see a sustained EUR move from this meeting. Once we know the technical details, the impact on the EUR will depend on how much more room, if any, the changes to the QE program will create beyond the QE extension. Moreover, the risks to the Euro from the meeting may be to the upside. If the ECB does not announce QE extension in this meeting, markets could take it as a signal of strong disagreements within the ECB on how to extend QE.
We are surprised we have not heard any ECB officials referring to scenarios for policies ahead, in contrast to what happened ahead of previous policy changes. This could suggest the internal debate has not progressed much. FX positioning suggests the market does not expect any surprises from the ECB.
Citi: ECB To Announce 3 Easing Measures.
We look for three ECB policy announcements: 1- We think extension of asset purchases for at least six months would be a first step in the right direction, 2- alongside changes to QE modalities to circumvent any scarcity issues. 3- We also expect a 10bp cut in the refinancing rate to -0.1% to be the first step, ahead of a 10bp cut in the deposit rate to -0.5% in March 2017.
BNPP: 3 Possible Changes To ECB's Purchase Rules Of Government Bonds.
We expect the ECB to announce an extension of its QE program beyond its March 2017 expiration at this week's meeting. In order to address concerns about scarcity of paper, we also expect changes to the rules governing the purchase of government bonds. Our rates team sees three possible changes 1) increasing the issue share limit; 2) removing deposit rate floor; 3) moving away from capital key based allocation of purchases. Our rates strategy team see risks that long-end core yields rise in the aftermath of the decision, even if the ECB does deliver.


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Happy Holidays from Anna, Elsa, Viola, and Hilde!
The Arendelle Guardian's ladies – both canon and OC – wish you a very Merry Christmas and a Happy New Year.
Thank you so much for reading/following this fanfiction project and I hope you stay with us.
A warm thank you to Arute, our resident artist, who so thoughtfully and kindly drew this card. I couldn't resist sharing it with our friends and readers. Thank you so much, Arute.
The AG Editor

subset: commoncrawl


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As the country begins to reopen and navigate a new normal, many local charities are stepping up to help residents impacted by current events. If you want to get involved, we have a list of Erie's top COVID-19 relief efforts that could use your support.
Charities and Organizations Offering COVID-19 Relief Around Erie
The current global health crisis has affected Erie in so many ways—physically, economically, emotionally. However, it's still possible to give back to your local community and help those in need. Looking for recommendations? Here are just a few of our favorite charities and organizations.
United Way of Erie
Established in 1887, this well-known charity works to fight homelessness and poverty in local communities around the globe. Currently, the Erie County branch is running low on volunteers—however, financial donations are also accepted.
Interested volunteers can fill out a form through the PA 211 Helpline or donate on United Way's website.
St. Paul's Free Clinic
St. Paul's Free Clinic provides free health and dental care to Erie residents—and now more than ever, they're in need of support. Although St. Paul's isn't providing care to COVID-19 patients, they're still offering free services and resources to those in need of assistance.
Are you a physician, registered nurse, dentist, hygienist, or oral specialist? If so, you can also give back by volunteering at the clinic.
Meals on Wheels
It's been a difficult time for Erie's senior population—and many of them haven't been able to leave their homes. Thankfully, Meals on Wheels has stepped in to deliver nutritious meals to those that need them the most.
Food insecurity is on the rise, but your donations can help Meals on Wheels accommodate increased demand. You can even volunteer as a grocery shopper or delivery driver!
Mask-Erie is a newly minted group of locals with one goal in mind: to provide a free face mask to every front line worker. Since the group's inception two months ago, they've created thousands of homemade masks and partnered with other organizations throughout our community to support COVID-19 relief.
You can join Mask-Erie's Facebook group to learn more about sewing and donating masks. Don't know how to sew? You can still help by providing fabric or other essential resources to volunteers.
Want to Give Back?
If you're interested in supporting COVID-19 relief efforts around Erie, we would love to offer a few more recommendations. Just reach out to Marsh Marsh Real Estate Services to learn more about giving back to our community.
Curious about how the current global health crisis has impacted your real estate goals? Give us a call to learn more about buying or selling your home during these difficult times.


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Walmart's Sustainable Chemistry Commitment covers formulated (chemical-based) consumable products sold in the U.S. through Walmart stores and Sam's Clubs, hereby referred to jointly as "Walmart." The commitment excludes active ingredients that provide therapeutic benefit when present in a product approved by the FDA New Drug Application process. Approximately 125,000 SKUs and 900 suppliers are covered by the commitment.
- Departments and CategoriesWalmart U.S. Accounting Departments
2-Health & Beauty Aids
4-Household Paper
8-Pets & Supplies
13-Household Chemicals
46-Cosmetics & Skincare
79-Infant Consumable Hardlines
Sam's Club U.S. Categories
2-Health & Beauty Aids
4-Tabletop & Bags
8-Pet Supplies
13-Laundry & Home Care
47-Baby Care
94-Paper Goods
In this section, we've provided several key terms and definitions that are critical components of the Sustainable Chemistry Implementation Guide.
- Chemical FootprintAs defined by the Chemical Footprint Project*, a chemical footprint is "the total mass of chemicals of high concern (CoHCs) in products sold by a company, used in its manufacturing operations and by its suppliers, and contained in packaging."
*A project founded by Clean Production Action, Lowell Center for Sustainable Production at the University of Massachusetts Lowell and Pure Strategies to transform global chemical use by measuring and disclosing data on business progress on sustainable chemistry. It provides a tool for benchmarking companies as they select alternatives and reduce their use of chemicals of high concern.
- Consumables Chemical FootprintWalmart Priority Chemicals less than all the Sourcing Action List Chemicals. See Figure 1 below.
- Contaminant of ConcernREACH defines "contaminant of concern" as "a residual that meets the criteria for classification as a carcinogen, mutagen, reproductive toxicant; or is persistent, bio accumulative, and toxic; or where there is 'scientific evidence of probable serious effects to human health or the environment which give rise to an equivalent level of concern.'" (REACH Title VII, Chapter 1, Article 57). Residuals can be defined as "trace amounts of chemicals that are incidental to manufacturing…[and] include: unintended byproducts of chemical reactions that occur in product formulation and chemical synthesis, impurities in an ingredient that may arise from starting materials, incompletely reacted components, and degradation products." (U.S. EPA Safer Choice Standard)
- Green ChemistryThe design of chemical products and processes that reduce or eliminate the generation or use of substances that are hazardous to humans and the environment.
- Priority ChemicalREACH defines "priority chemicals" as substances with certain hazardous properties that can affect human health, and/or the environment. A priority chemical is a chemical that meets the criteria for classification as a carcinogen, mutagen, reproductive toxicant, or is persistent, bio accumulative, and toxic; or any chemical for which there is scientific evidence of probable serious effects to human health or the environment which give rise to an equivalent level of concern.*
*REACH Title VII, Chapter 1, Article 57
- Retail Link®Retail Link® is an online decision support system that is a bridge between Walmart and its suppliers.
- Safer ChemicalsChemical products designed to preserve efficacy of function while reducing toxicity.*
*Source: American Chemical Society: https://www.acs.org/content/acs/en/greenchemistry/what-is-green-chemistry.html
- Sourcing Action List Chemicals (SALs)Petroleum-based chemicals on Walmart's Priority Chemical list that have been identified by Walmart and EDF because of the potential presence of contaminants of concern, as indicated by regulatory and authoritative bodies. Walmart encourages suppliers to indicate if they are using a Verified Sourcing Action List Chemical. See Appendix 7 for list of SALs.
- Sustainable ChemistryThe design, manufacture and use of efficient, effective, safe and more environmentally benign chemical products and processes.
- Transparency ScoreDefined within WERCSmart as:Number of publicly disclosed ingredients that resolve to a specific chemical identity ÷ Total number of ingredients in the full WERCSmart formulation
If a formulation contains a generic ingredient name that is publicly disclosed, that will count as one ingredient in the denominator, but it will not contribute to the numerator, since it cannot be resolved to a specific chemical.
If a formulation contains a third-party component, it will count as one ingredient in the denominator. If the supplier of that component has provided Tier 2 consent, the component can be screened against a Restricted Substances List and it may include constituents the supplier has indicated are publicly disclosed. In this case, the component's own Transparency Score will be included in the numerator of a product's overall Transparency Score. The component may contribute an amount to the numerator that ranges from 0 to 1, depending on whether no constituents in the component are marked as publicly disclosed (TS=0), some constituents are marked as publicly disclosed (e.g., TS=0.5 if half the component constituents are publicly disclosed), or all constituents present are marked as publicly disclosed (TS=1).
- Unverified Sourcing Action List Chemicals (Unverified SALs)A Sourcing Action List chemical for which the supplier has not indicated using a Verified SALs.
- Verified Sourcing Action List Chemicals (Verified SALs)When a supplier verifies their SALs do not contain any Walmart Priority Chemicals.*
*WERCSmart measurement enhancements are not yet available to suppliers.
- Walmart High Priority Chemicals (HPCs)From among Walmart Priority Chemicals, Walmart worked with NGOs, academics, government and industry stakeholders to identify a subset of chemicals as a starting point for suppliers. Those Walmart High Priority Chemicals are:
Toluene (solvent)
Dibutyl Phthalate (solvent, plasticizer)
Diethyl Phthalate (solvent and plasticizer)
Nonylphenol Ethoxylates (NPEs, surfactant), note: NPEs are a class of chemicals and not an individual CAS number
Formaldehyde (bonding agent)
Butylparaben (preservative)
Propylparaben (preservative)
Triclosan (antimicrobial) - Active ingredients that provide therapeutic benefit when present in a product approved by the FDA New Drug Application process - such as triclosan in toothpaste for treating plaque - are allowed
- Walmart Priority Chemicals (PCs)*Chemicals flagged in the WERCSmart system as being on Walmart defined authoritative and regulatory lists (see Appendix 1) within the scope of this commitment.
*Eight chemicals on these authoritative lists have been excluded because product type and/or exposure scenario indicated in the authoritative determination(s) is not relevant. These chemicals include: ethyl alcohol, cellulose, isopropyl alcohol, wood dust (all soft and hard woods), sulfuric acid, sodium fluoride, hydriodic acid, and imiprothrin.
- WERCSmartThe platform through which proprietary product formulations are provided to the Underwriters Laboratories (a vendor to Walmart supporting chemical safety and regulatory compliance.)


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This begins with my mother and I baking the Christmas cake together over our shared birthday weekend in October, evolves into a scramble over Mum's bed for the most holey, misshapen, shrivelled, old-hockey-sock-stocking on Christmas Eve, and culminates in the Rawlinson choir of doom ploughing proudly through the carols in our old school's chapel on Christmas Day. The rules are rigid (one present in the morning, but the rest after supper) and dissenters are quickly made to conform (as my brother's wife, Maia, learned swiftly when she spent her first Christmas with us last year).
And then there's food. There must be bread sauce, and lashings of it, eaten without question with the three different types of meat that are invariably made quick work of over the period of festive gorging (goose on the Eve, turkey on the Day, ham on Boxing Day and as many three-meat Christmas sandwiches as you can manage in the interim, naturally). Rigorous application of the rules makes for what we are all convinced is the perfect family Christmas, and one that we have been deploying solidly for years. All of this presents rather a problem when you are faced with the prospect of inescapable change, due to the fact that you no longer have your mother to bake your Christmas cake with, you don't have her bed to on which to choose your stockings, or her voluntary – unrequested – carol descant to send you into unstoppable giggles at the chapel on Christmas Day. On 9 May this year, breast cancer killed our mum. After she was first diagnosed, in May 2015, she underwent nine months of chemotherapy, surgery and radiotherapy. She was sustained – and she sustained us – by her characteristic courage and good humour. She was given the 'all-clear', and returned to work in September 2016 as a much-loved housemistress at the Cheltenham Ladies' College, for one final year before her planned retirement. She was enjoying being back with the girls (whom she adored and who adored her), whilst looking forward to all the new opportunities that retirement would bring. But on 3 May she was told the cancer had returned, and six days later it claimed her life. There are not words enough to describe what she experienced or what we went through with her. It was unimagined, and brutal. She is irreplaceable. Her suffering was cruel, and to us feels bitterly unjust. Of course, the rip inside each of us, the hollowness and the ache of her absence, feels even more acute at a time when we have traditionally been privileged with the prospect of spending Christmas with her, together, in our home. This year then, Christmas will not – and cannot – be the same: tradition is finally and forever broken. I know. I have, so far, burned three Christmas cakes (and have, gloriously, actually set fire to one – I have the photos to prove it). In that, we now know who was really the brains behind the Christmas cake operation, though every year she let me take all the credit.
So, we make a change. This year on Christmas Day my brothers and I will be going running. This is because we are running the 2018 London Marathon (counter-acting our love of Christmas food will be crucial in our bid to get through all 26-plus miles) to raise money for Breast Cancer Now, the UK's leading breast cancer charity, who fund research into secondary breast cancer. My family and I believe that this is a vital part of the fight to stop breast cancer taking lives. One in eight women in the UK will face breast cancer during her lifetime. Every 45 minutes another woman dies from the disease. This disease affects everyone, everywhere, every day. Each step we run will be for our mum, but it will also be for every woman and every family that has been affected by breast cancer.
Mum would have been 60 on 20 October this year, on world Breast Cancer Awareness Day, which is why we've decided to aim high, and make it our target to raise £60,000 for Breast Cancer Now.
So, this Christmas, we start a new tradition: one that is likely to be better for our bodies than a tri-carnal feast, but also one that we hope will make a difference. Every year, on Christmas Day, we will run together, and we will think of our mum, and we will talk about her together, and we will laugh at all of those foibles of hers that we are so fond of, and we will probably cry a little too. But above all, we will keep fundraising for the fight against cancer, and we will think of news ways to help to beat this disease.
Breast Cancer Now's ambition is that by 2050 everyone who develops breast cancer will live and we have now made this our aim too. You can support us by donating to our fundraising page here
To help support Breast Cancer Now's world-class research targeting incurable secondary breast cancer, visit breastcancernow.org/get-involved


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Our church Other
album Site
The 100th Anniversary of the canonization of Saint Seraphim of Sarov
Sarov-Diveyevo. Russia will be the site of celebrations marking
the 100th Anniversary of the canonization of Saint Seraphim July
29-August 1, 2003.
Internet translation
to God's mercy we have witnessed the great celebrations devoted
to 100th Anniversary of canonization of St. Seraphim of Sarov. Definitely,
we have not yet fully realized the significance of this great event.
Great things should be observed from a certain distance for proper
understanding. Here some analogy from the Scriptures is appropriate.
Palm Sunday, Christ's triumphal Entry into Jerusalem. Our Lord was
hailed by the masses as the long-expected Messiah-King of Israel.
The crowds greeted him with branches in their hands and called out
to him with shouts of praise: Hosanna! Blessed is he who comes in
the name of the Lord! But despite this glorification by the people,
Passion Week has come and Our Lord has suffered terrible tortures
up to the crucifixion. Only few Christ's disciples witnessed His
Holy resurrection and the Lord's appearances within next 40 days.
Only after Pentecost the joyful news have been revealed for the
whole world. At the same day 3000 people have joined the newborn
Similar things took place during the canonization of St. Seraphim,
Wonderworker of Sarov back in year 1903.
Like on Palm Sunday, about 300 000 of people from all Russia took
place at celebrations. St. Emperor Nicholas II and Empress Alexandra
headed the ceremony. The Uncovering of St.Seraphim's Holy Relics
was accompanied by numerous miraculous healings of the sick, who
had gathered at Sarov in large numbers.
In a few years times of unrest came to Russia. Churches and icons
have been destroyed, Christians have been persecuted and murdered
in great numbers up to most dreadful crime - Murder of Royal Family
in 1918. Lots of newmartyrs and confessors appeared in this bloody
70 years after this events revival of Church has begun. Cloisters,
churches and icons have been gradually returned to the faithful,
people began to undergo holy baptism.
The second Discovery of St. Seraphim's Holy Relics in 1991 and their
Transfer into Diveevo (in the fulfillment of prophecy) can be compared
with Christ's Resurrection, yet symbolizing the reborn Church and
giving special significance to the canonization of NewMartyrs and
Confessors of Russia crowned with St. Emperor Nicholas II and His
Family. Till recently, this event has not been fully accepted by
everyone as some people doubted the appropriateness of Royal Martyr's
The present celebrations of centennial St.Seraphim's canonization
have opened eyes of those who doubted. "I will glorify the
Tsar that glorifies me" - St. Seraphim has said, and the prophecy
fulfilled as people finally realized the Holiness of Tsar Nicholas,
who has made special efforts to canonize St.Seraphim back in 1903.
We hope that the festivities in Sarov, accompanied with miracles,
will spread and strengthen faith in the world like after Pentecost.
That's why the Church should especially come out for social service.
Our priests visit gymnasia, where special room for prayers is equipped,
hospital and prison, communicate with convicts every week, despite
it was difficult to arrange.
Now we intend to build a new big church with educational complex
near the present little one to involve more people of our district
into life in God, helping to satisfy their spiritual and physical
of building the Orthodox Church in the name of St. Nicholas the
Wonderworker with teaching and educational complex in Birulevo (Moscow)
have reasons to suggest that our church in Birulevo is devoted to
the Royal Martyr Nicholas II
icon of Royal Martyr Nicholas II in our church is streaming myrrh.
(A year after icon of Mother of God Chenstokhovskaya)
Role of Royal Martyr Nicholas II in glorification of Russian saints
before and after His decease
Our church Other
album Site


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Listen now
Stream / Download now
Music is my very being. It's my heart and soul. I'm 17. Locked down during Coronavirus, the words in my head flowed out of me to the 11 songs of my first album 'intention'. My music is all about the inner voices inside our heads – voices that torment us, tell us we're not enough.
I am using my voice to empower myself and other young women like me to find their joy, their purpose, their confidence. I'm an "artivist" passionate about equal rights for all – women, LGBTQ+, and the BLM movement. I believe my generation will heal what's wrong with the world. Join me.
Check out my music
Stay up to date with Sydney's new releases, upcoming album "Intention", videos and what Sydney is up to in the world.
© Wings Media LLC 2023
Website: Rachel Pesso & North Star Sites


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Trying Quotes
A true friend is someone who accepts your past, supports your present and encourages your future
Money may not buy happiness, but it's better to cry in a Lamborghini
You don't need someone to complete you. You only need someone to accept you completely
Dogs teach us a lot of things but none more important than to love unconditionally
Be yourself; everyone else is already taken
Together is my favorite place to be
Chocolate is the answer. Who cares what the question is
When I first saw you I fell in love, and you smiled because you knew
Friendship Quotes Love Quotes Life Quotes Funny Quotes Motivational Quotes Inspirational Quotes
Text QuotesYou miss 100% of the shots you don't take (Trying Quotes) I can accept failure, but I can't accept not trying (Trying Quotes) Do, or do not. There is no try (Trying Quotes) Mistakes are proof that you are trying (Trying Quotes) Even the biggest failure beats the hell out of never trying (Trying Quotes) Spend a little more time trying to make something of yourself and a little less time trying to impress people (Trying Quotes) If people are trying to bring you down, it only means that you're above them (Trying Quotes) I'm trying to be alone without feeling lonely (Trying Quotes) You will never influence the world by trying to be like it (Trying Quotes) Stop trying, he's happy without you (Trying Quotes) Depression is like war, you either win or you die trying (Trying Quotes) Dead last is greater than did not finish which trumps did not start (Trying Quotes) He's not my boyfriend, he's just somebody I'm trying on (Trying Quotes) I wonder when the day will come when i'll no longer be constantly trying to prove myself to myself (Trying Quotes) Stop trying so hard for people who aren't even worth your time (Trying Quotes) I try so hard, and I'm never the one. (Trying Quotes) I'll never forget the first time we met, although I keep trying (Trying Quotes) I'm trying to smile but it hurts too much (Trying Quotes) I'm sick and tired of trying to hide the mess that I am (Trying Quotes) Stop trying to make fetch happen (Trying Quotes) I never tried quitting, and I never quit trying (Trying Quotes) You're not a mess, you're brave for trying (Trying Quotes) That half hour you spend trying to perfectly word your text (Trying Quotes) don't stop trying just because you've hit a wall. Progress is progress no matter how smalll (Trying Quotes) I try to keep everyone happy, but sometimes that means not being happy myself (Trying Quotes) No matter how many mistakes you make or how slow you progress, you are always ahead of everyone who isn't trying (Trying Quotes) I'm exhausted from trying to be stronger than I feel (Trying Quotes) You mean to tell me that not everyone at the door is trying to kill us all? (Trying Quotes) To be yourself in a world that is constantly trying to make you something else is the greatest accomplishment (Trying Quotes) I am not a saint, unless you think of a saint as a sinner who keeps on trying (Trying Quotes)


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09 Octobre 2020 Il y a 3 ans
Data from Tunisia's National Institute of Statistics indicate that tackling the unemployment crisis in Tunisia has eluded authorities for nine years because of the slow implementation of mechanisms to revitalize the labour market and lack of action in that regard.
The unemployment rate remained at the same level over the past nine years proves that labour market reforms have not mitigated the effects of austerity measures and cuts in public spending, subsidies, wages, fees and taxes imposed to address financial imbalances.
Tunisian authorities tried to break away from the weight of the old labour system, which was based on unqualified work forces. This factor, along with continuous political tensions, led to increased unemployment rates.
That is why international financial institutions stepped up pressure on Tunisia to accelerate control of unemployment rates and increasing growth in Tunisia's weakened economy.
Despite various support programmes for the labour market by successive governments, many Tunisians said their conditions have worsened because of the rising unemployment rate, which has reached 18% (T2 2020). This rate was 11% in 2010.
Official statistics confirm that the unemployment gap widened in rural areas compared to cities and that the segment hit the hardest by unemployment is university graduates.
Specialists said there are structural factors keeping unemployment figures at their current levels. Such conditions will be difficult to address in the absence of a clear and structured vision guiding economic recovery.
Tunisian authorities have, in recent years, adopted various measures and initiatives to incentivize the private sector to employ more university graduates, given that the public sector was saturated. The measures, however, failed to achieve their goals.
The 2020 World Economic Forum ranked Tunisia 78th out of 180 countries on the unemployment index. That means it is very far from achieving its ambitions.
The objective of the cooperation project between ILO and KOICA: Promotion of employment for youth and women in Tunisia (ICT basis) is to enhance the accessibility to more decent work opportunities of Tunisian young women and men. As the second phase of the project "Decent Work for Youth and Women" in Tunisia, the project gives particular focus to strengthen the ecosystems for ICT related start-ups in 3 additional regions and support regional action plans of the National Employment Strategy (NES).
The main objective of the implementation survey is to discuss the possibility for cooperation in the below project and to finalize the project document.
The duration of the project will be from 2021 to 2024 with a grant worth of 4.35 million USD.
The objectives of this implementation survey are to:
The Job Description of the consultancy is:
The consultant is expected to develop a study report which includes the following:
The following activities will be undertaken:
Within the framework of the present mandate, the consultant will:
The work will be guided under the auspices of KOICA Tunisia office. However, the consultant will be expected to actively work with the Korean Expert team.
Note: The above mentioned tasks to be performed are intended as a guide and should not be viewed as an inflexible specification as it may be modified following discussion with the selected consultant.
Cette opportunité n'est malheureusement plus disponible sur Jamaity. Visitez régulièrement la rubrique opportunités pour ne plus en rater.
Appel à consultants Publié sur Jamaity le 6 octobre 2020
Découvrez encore plus d'opportunités sur Jamaity en cliquant sur ce lien.


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Bylaw 1.7(a)(4-3) of this blog's charter states… "A topical post relevant to retirement must be published at least once a year"…
So, campers, how's everything going in your tent?
Just to be clear, I'm speaking of your billfolds and wallets here. Whichever is holding the wad of cash that Fed chairman Powell says is responsible for overheating our economy. All of these inflation and supply chain woes are your fault. Yes, you! You and your silly, so called "needs" for chicken thighs, boneless chuck roasts, semiconductors, and now baby formula. Dare I add new kitchen appliances too, ahem? All this rampant and plainly unnecessary consumerism is making an utter wreck of my retirement savings. Yours too, you say?
UPDATE: After writing the above only a day ago, conditions have now changed. Both Walmart and Target are complaining in their quarterly earnings report that although customers are still coming in regularly, they're now not spending enough money. It seems consumers are looking for less expensive alternatives, which in turn affects the bottom line for these retailers. It's still your fault, of course; that part hasn't changed. Wall Street traders need a scapegoat.
So with all of that as background, I'm once again instructed by the home office that it's time to again provide an annual update on my retirement situation. I also offer my regular apology to international readers, who must find America's retirement system to be confusing, unnecessarily draconian, and tragically biased in favor of the affluent. But not to worry: the same people charged with writing laws to remove guns from our streets are working on a solution to fix this too.
I knew everything was starting to become a bit dire starting last week when I rang Hank, our intrepid financial advisor. He answered his phone with a shrieking "WHAT?!" Always a charmer, our Hank.
Such are the circumstances in which I currently find myself. At the start of the year, my pension was reduced due to a fact of life over which I have zero control: the vicissitudes of the aging process. I turned age 62. Oh, the humanity. When I started retirement back in 2014, all was hunky dory with my monthly stipend because of a special supplement included in my pension. It was offered as an enticement by my employer to take an early exit. Management said,"Here's a little extra bonus for you, now go away." But there are always strings attached to any deal. In the case of this supplement, it ended on my 62nd birthday, which was last December.
Ever the planner with foresight and vision, I eagerly started preparing for this reduction early last year.
With the exception of one small IRS-allowed withdrawal for the down payment of our condo in 2017, my 401(k) was left untouched so as to continue to grow during the remaining reign of the-then bull market. Starting monthly distributions a little early would help replace the loss of that supplement. And, with aplomb along with the diplomacy and charm of a Madeleine Albright or a Dean Acheson, I attempted negotiations with my ex-wife for a graduated end to alimony payments.
Yeah, the six of you out there might recall that last part didn't go so well. I suspect my ex saw me as less a Madeleine Albright and more of a Mike Pompeo.
So here we all are facing a plummeting stock market. My retirement portfolio is taking a huge hit, and I continue to pay monthly alimony. At least I'm not alone though: even poor 'ol Elon Musk is all atwitter in coming up with enough money to actually buy Twitter. Misery loves company.
The entity that manages my 401(k) recently announced a surprise mid-year recalculation for everyone in the Plan who receive distributions using the life expectancy method. This means that starting in June, I will experience a reduction in my monthly deposit. Yet, at the same time, this will also help to preserve the nest egg by not withdrawing at the earlier rate calculated on January 1st, when my balance was much higher than it is now. It's like having to swallow Robitussin cough syrup after reading the "New and Better Taste!" label. Sure, okay, if you say so…
Although an early start to social security would greatly add to the coffers right now, that would also be a huge mistake. According to William Reichenstein, head of research at Social Security Solutions in Overland Park, Kansas:
"[A]ssuming a healthy retiree with an average life span, deferring benefits generates an 8 percent return each year that they hold off. For example, a 67-year-old would collect 108 percent of his or her expected benefit by waiting until age 68, and 116 percent by delaying until age 69. Conversely, those who collect earlier, at age 62, receive only 70 percent of their expected benefit with incremental increases each year they hold off" (see 4/22/2022 NYT article).
So for now, both Gorgeous and I will delay social security till at least our full retirement age ("FRA") and most likely later. It's hard to ignore that 8 percent.
We continue to be covered by the health insurance coverage I was fortunate enough to take into retirement (the cost of which is shared with my former employer). It takes a hefty chunk out of my monthly pension, but it'll remain in place until we both start medicare at age 65. After that, while we will remain covered by it as secondary coverage to medicare, its cost will be reduced with co-pays and deductibles mostly eliminated (similar to a Medigap policy). According to a recent estimate by Fidelity Investments, A 65-year-old couple retiring this year can expect to spend an average of $315,000 in health-care and medical expenses in their retirement. If I'm going to be that out-of-pocket, I'd rather be over-insured to help sleep at night.
And speaking of sleeping at night… let's hope we all can continue to do so in the days ahead. Try not to look too often at your own savings, stick to your plan if you can, and stop reading blog posts like this one.
Until next time…


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2023 Compliance Trends: Staying Ahead in an Evolving Regulatory E...
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VIEWpoint Issue 2 | 2022
The Internal Revenue Service (IRS) has issued highly anticipated final regulations on the significant changes made to the foreign tax credit rules by the Tax Cuts and Jobs Act (TCJA) ( P.L. 115-97). The final regulations retain the basic approach and structure of the 2018 proposed regulations (NPRM REG-105600-18). The final regulations also eliminate deadwood, reflect statutory amendments made prior to TCJA, and update expense allocation rules not updated since 1988.
Also adopted are proposed regulations on overall foreign losses, published on June 25, 2012 (NPRM REG-134935-11), and a U.S. taxpayer's obligation to notify the IRS of a foreign tax redetermination, published on Nov. 7, 2007 (NPRM REG-209020-86).
A separate set of 2019 proposed regulations were also issued (NPRM REG-105495-19).
The final regulations make extensive changes to the rules on the determination of the foreign tax credit. Many of these changes were required to implement the TCJA, including the items discussed, below.
The final regulations provide details on how income is assigned and expenses are apportioned to the Code Sec. 951A global intangible low-taxed income (GILTI) and foreign branch foreign tax credit separate limitation categories added by TCJA.
The regulations provide that, for purposes of applying the expense allocation and apportionment rules, the portion of gross income related to foreign derived intangible income (FDII) or a GILTI inclusion that is offset by a Code Sec. 250 deduction is treated as exempt income. This means that fewer expenses will be allocated to the GILTI category, resulting in a higher foreign source taxable income, a higher foreign tax credit limitation, and a larger foreign tax credit offset with respect to GILTI income.
The regulations also address how the balance of foreign tax credit carryovers prior to the TCJA are allocated across new and existing separate categories. Under a default rule, foreign tax credit carryovers remain in the general category going forward. A taxpayer can elect to reconstruct the carryover regarding a foreign branch. The final regulations provide a simplified rule under which taxpayers can assign foreign tax credits to the foreign branch category proportionately, according to the ratio of foreign taxes paid or accrued by the taxpayer's branches to total foreign taxes paid or accrued by the taxpayer in that year.
The regulations modify the proposed rule for determining foreign branch income based on the U.S. tax-adjusted books and records of the foreign branch. The proposed regulations disregarded transfers of intellectual property (IP) between a foreign branch and its owner if the transfer would result in a deemed payment that reallocates income between the foreign branch category and the general branch category. The final regulations limit the rule to transactions that occurred after the date of the proposed regulations and include an exception for transitory ownership.
The regulations provide rules for the treatment of GILTI for purposes of the interest allocation rules. In general, a controlled foreign corporation (CFC) must allocate and apportion its interest expense among groups of income for purposes of determining tested income, subpart F income and other types of net foreign source income. A U.S. taxpayer must characterize the value of its CFC for allocating and apportioning its own interest expense. A CFC allocates and apportions its interest expense using either the modified gross income (MGI) method or the asset method. The U.S. taxpayer uses the same method to characterize the stock of its CFC. The regulations take into account gross tested income from a lower-tier CFC with respect to an upper-tier CFC for allocating the upper-tier CFC's interest expense when applying the MGI method.
Dividends, interest, rents and royalties (look-through payments) paid to a U.S. shareholder by a CFC were generally allocated to general category income to the extent that they were not treated as passive category income. Because this type of payment made directly by a U.S. shareholder is not included in the GILTI category, the regulations provide that the look-through payments are assigned either to the general category or the foreign branch category. The payments cannot be assigned to the GILTI category.
The final regulations also address certain potentially abusive borrowing arrangements involving loans by U.S. persons to foreign partnerships that artificially increase foreign source income and the foreign tax credit limitation without affecting U.S. taxable income. Under the regulations, the interest income attributable to borrowing through a partnership is allocated across the foreign tax credit separate limitation categories in the same manner as the associated interest expense.
The final regulations related to statutory amendments made by the TCJA apply to tax years beginning after Dec. 31, 2017. Regulations that contain both rules that relate to the TCJA and rules that do not relate to the TCJA generally apply to tax years that both (1) begin after Dec. 31, 2017, and (2) end on or after Dec. 4, 2018.
The regulations on the deemed paid credit under Code Sec. 960 apply to tax years that both begin after Dec. 31, 2017, and end on or after December 4, 2018. The final OFL regulations apply to tax years on or after the date the regulations are filed in the Federal Register. The final foreign tax redetermination regulations apply to foreign tax redeterminations occurring in tax years ending on or after the date the regulations are filed in the Federal Register.
Proposed foreign tax credit regulations address changes made by the TCJA, and also respond to issues raised in the 2018 proposed regulations on the foreign tax credit (NPRM REG-105600-18). The proposed regulations address:
Under the general rule, a taxpayer may allocate research and experimentation (R&E) expenses to the foreign tax credit separate limitation categories under the sales method or the gross income method. The proposed regulations revise the sales method to provide that R&E expenses are only allocated to income that represents return on intellectual property. When applying these rules, gross intangible income does not include dividends or amounts included under subpart F, GILTI or Code Sec. 1293. As a result, none of a U.S. taxpayer's R&E expenses are allocated to the GILTI category. The proposed regulations eliminate the gross income method for purposes of allocating R&E expenses.
Stewardship expenses are related and allocable to dividends received or to be received from related corporations. The proposed regulations provide that stewardship expenses are allocated to subpart F and GILTI inclusions, to Code Sec. 78 dividends and all amounts included under the passive foreign investment company (PFIC) provisions.
Under the Code Sec. 818(f) allocation rules that apply to life insurance companies, expenses are generally apportioned ratably across all gross income. Under a new rule, the proposed regulations allocate expenses in a life-nonlife consolidated group solely among items of the insurance company that has reserves (separate entity method).
The final foreign tax credit limitations provide a matching rule for a U.S. partner that makes loans to a foreign partnership. Under the rule, the partner's gross interest income is apportioned between U.S. and foreign sources in each separate foreign tax credit limitation category based on the partner's interest expense apportionment ratios. The proposed regulations provide the same rule for loans from partnerships to U.S. partners (upstream partnership loans).
Portions of the 2007 temporary regulations on foreign tax redeterminations (T.D. 9362) are reproposed so that taxpayers can provide comments on the rules in light of the changes made by the TCJA. The proposed regulations address foreign tax redeterminations that affect the deemed paid credit under Code Sec. 960; procedural notification rules; and penalties for failure to notify the IRS of a foreign tax redetermination.
The proposed regulations require taxpayers to account for foreign tax redeterminations of foreign subsidiaries on an amended return that reflects the revised foreign taxes deemed paid under Code Sec. 960 and any changes to the taxpayer's U.S. tax liability. This reflects the repeal of the pooling mechanism to account for redeterminations of foreign taxes.
A transition rule provides that post-2017 redeterminations of pre-2018 foreign income taxes must be made by adjusting the foreign corporation's taxable income and earnings and profits and post-1986 undistributed earnings and income taxes in the pre-2018 year to which the redetermined foreign taxes relate. The proposed regulations also provide that the foreign tax redetermination rules cover situations in which the foreign tax redetermination affects whether or not the CFC qualifies for the high-tax exceptions under GILTI and subpart F.
Additional provisions in the proposed regulations:
The proposed regulations are generally proposed to apply to tax years that end on or after the date the proposed regulations are filed in the Federal Register, with exceptions. For example, the rules for R&E expenses are proposed to apply to tax years beginning after Dec. 31, 2019. However taxpayers on the sales method for tax years beginning after Dec. 31, 2017, and before Jan. 1, 2020, may rely on the proposed regulations if the rules are applied consistently. Thus, a taxpayer on the sales method for its tax year beginning in 2018 may rely on the proposed regulation, but must also apply the sales method (relying on the proposed regulation) for its tax year beginning in 2019.
Rely on Doeren Mayhew's international tax advisors to help navigate the final and proposed regulations, and remain compliant. Contact us today for assistance.
This publication is distributed for informational purposes only, with the understanding that Doeren Mayhew is not rendering legal, accounting, or other professional opinions on specific facts for matters, and, accordingly, assumes no liability whatsoever in connection with its use. Should the reader have any questions regarding any of the news articles, it is recommended that a Doeren Mayhew representative be contacted.
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I'm quite aware that atheists are often despised, but recently I was disturbed to read that "in at least seven nations [atheists] can be executed if their beliefs become known …"
This statement was made in an article published last December by Robert Evans: "Atheists around World Suffer Persecution, Discrimination." But I can also report good news. The April edition of an excellent on-line periodical called The Interfaith Observer just published ten articles under the general heading of "Welcoming Atheists & Humanists into the Interfaith Community."
Some non-theists will not want to accept this welcome, perhaps because they are uncomfortable with the word "interfaith." I hope we will respect the way people prefer to use theological language, and not try to impose our favored terminology on others. But some humanists/atheists/agnostics will appreciate The Interfaith Observer for recognizing non-theism as a valid lifestance.
For more, see:
Roger Christan Schriner
To subscribe to Theists & Atheists: Communication & Common Ground, click the "Follow" link on the upper left.


text: Take The Survey: Help WVU Learn More About West Virginia Weelunk Staff August 4, 2017 Researchers at West Virginia University are interested in knowing more about community life in West Virginia. Specifically, they are interested in learning what makes a community safe. The Quality of Community Life in West Virginia research study is being conducted by Dr. James Nolan (principal investigator) from WVU and Robert Nicewarner (Sociology Ph.D. student) who will apply the findings to his doctoral research. The purpose of the study is to identify social factors that may influence the life experiences of West Virginia residents. Researchers are considering that the study's findings will be useful to community members, government officials, and public policy makers as they work together to improve conditions for all West Virginians. Take the study » *This study has been reviewed and approved by WVU IRB (Protocol #1707651914) and it is on file. Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pinterest (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Pocket (Opens in new window) Leave a Reply Cancel ReplyYou must be logged in to post a comment.


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Block babies is a user-centric game that is easy to play. This blockchain based game was released on 3rd July, 202, by Vulcan Forged, a premium blockchain game studio, incubator and also a high volume marketplace.
Ever since its release, the game has taken the world by storm. It is because of the innovative gameplay that this game features. The characters of this game are adorable babies. However, the players should not make the mistake of thinking that the characters are just innocent and cute babies. They are definitely more than that!
The babies or the characters of this game are the star performers who fight against the competitors to come at the first position on the nursery leaderboard and gain experience. Every character possesses some attributes that include patience, adorability, playfulness, appetite, sleep skills, intelligence, kindness, and dexterity.
The babies are the gateway for players to gain experience and earn subsequent rewards.
The Ultimate Team
All the team members have extreme power and the characters' eyes gleam with passion. The babies do not possess any characteristics of their own. However, it doesn't mean that such characters are of no use to you. If you want some contenders in your team who will help you win against your rivals, these characters are the ones you can count on.
You can purchase these babies and they will help you in the fight against your competitors. Different babies of different teams have different attributes. For instance, the babies of the force team will help you fight against your competitors, the defense team babies help stop a rival's attack, and the babies of the attacking team will help you attack. The babies of this game will always help you to win.
Vulcan Forged recently enables Fiat-on-ramp allowing players to buy $PYR tokens using their credit card directly from the website, Block Babies is one of the many Vulcan Games that include a TCG called Berserk, an upcoming MMORPG called Vulcan Verse, a 3D Board game Incarnate and many more.


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The sharks have returned to destroy everything in your path. Survive as long as you can, eat humans to get your blood back, and increase the score to unlock the best underwater beasts to complete all the missions and beat the highest scores. Find out what happens when the shark's even angrier aquatic friends join him on his vacation in Florida!


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In the last two months, working from home has gone from an appreciated perk to a business necessity as businesses, schools, and other organizations around the world shut their doors to help slow the spread of the coronavirus.
This unprecedented shift to remote work was jolting as businesses scrambled to operate virtually. Some companies went on an emergency hunt to buy employees laptops and other tools for working at home. Employees needed to have reliable Internet access and the ability to transmit data securely. Companies needed to figure out how to collaborate outside of the office conference room, and employees quickly got up to speed on how to use Slack, Google Hangouts, and Zoom.
But this shift to remote work was more than a change in location. Even employees who were used to being remote had to cope with the "home office" becoming more crowded with partners who needed their workspace or with children who were home from school and needed help doing box math assignments. Employees who weren't used to working from home (WFH) suddenly had to manage being motivated while coping with feeling isolated.
A few weeks into our "new normal," and while some employees are settling in, others find it's still difficult to get work done. Through it all is the underlying stress and worry about how to stay safe during the pandemic while wondering when the restrictions will end.
It is a lot to handle, so it's understandable that some employees may still be unproductive and distracted. But fortunately, there are ways you can help your employees and stay engaged with them through this crisis and beyond.
Acknowledge business as "unusual." While it's tempting to expect you and your team to power on through this crisis, it is essential to remember that it's not "business as usual." Of course, you can expect work to get done, but it's also vital to give support, encouragement, and flexibility whenever possible.
Emphasize communication. When there's a crisis (and even when there isn't), it's essential to keep your team up-to-date on status and strategies. Being transparent goes a long way in establishing trust. This authentic approach is always necessary, but in times of crisis, it is critical. Remember, it's okay to acknowledge that business decisions may change as events evolve.
Even as you address business issues--both related and unrelated to the coronavirus, take time to check in with your team. How is the transition going? Do they have the tools they need? How can you support them as they navigate this strange period? Make sure the communication goes both ways. If you haven't been in contact with a team member in a few days, give them a quick check-in call to make sure they're coping and are on track. There's no such thing as too much communication during this period.
Other ideas include:
Continue managing and developing. The stay-at-home restrictions are going to last weeks, if not longer, but your business still needs to move forward. For employees, even with stress and distractions, being productive is healthy. And, as a leader, it is important to continue managing and developing employees. Studies, like one from Harvard Business Review, have found that effective managing of employees is a crucial driver of employee engagement.
A performance management platform, like SyncHR's integrated solution with Bridge, can help you streamline these steps to stay more engaged with your team:
Keep--and share--a positive outlook. How you as leaders frame this time will heavily influence how employees see it too-- and this perspective has ramifications for the future. Yes, it's an uncertain time, but your team has shown its agility in quickly setting up to work from home. You've collaborated to discuss best practices on making this pivot work, and you've demonstrated flexibility in managing the workload. You and your team may have used more creativity to problem solve, and you may have had to give employees more autonomy than before. Your group may have seen your commitment to their physical and mental well being or your determination in clearing roadblocks that make doing their jobs more difficult. These messages will resound with your team, keeping them engaged, long after this crisis is over.
Our team here at SyncHR is taking these same steps with our remote staff during the pandemic. We're also consulting with our customers about better ways to engage with their employees using our HCM platform and Performance Management & Online training solutions. If we can help you navigate this time more efficiently, please contact us.
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Pamela is a freelance marketing writer who specializes in Human Resources and HR technology. With 16 years of HR and writing experience, combined with a journalism degree and an MBA, Pamela delivers compelling content that engages the audience and effectively conveys the marketing message.
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Went to Montauk before returning to travel nursing. Stopped on the way at Our Lady of the Island. Beautiful place to walk about, contemplate life, and get away from it all..
Visit the main church for spectacular stained glass then Walk the Avenue of the Saints for Long Island views.
Continued the 2 1/2 hour journey from Brooklyn with the next pause,
Beautiful state park with camp sites available during the summer, but the best part..
Across the street are hiking trails. Beware of Lyme Ticks in warm season and hunters in the winter.
View from above the trail.
On to the main attraction, The Montauk Lighthouse
Walked along the construction site path to find the beach.
The Hoodoos – these magnificent creatures line the beach and are eroding at a rapid pace. The picture below is from the top of the Hoodoo and those following show erosion at beach level.
While there surfers were hitting the waves. Fun to watch.
Next: More Montauk


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An inspiring Jollibee service crew has gone viral after she was pictured taking a break from work to attend her online classes. Her co-workers were amazed by her diligence. Soon, thousands of netizens also showered her with praise.
"Walang nakakapagod sa pagtupad ng pangarap," said Jan Dominique Agravante, a service crew at Jollibee who was pictured studying on the floor of a Jollibee stockroom.
A graduating student taking up Business Administration, major in Marketing at the Pamantasan ng Lungsod ng Marikina in the Philippines, this young woman is taking advantage of this year's online classes.
She has been a working student for nearly 4 years, juggling time for her duty hours at work and her class hours back in school.
But the COVID-19 crisis proved to be more useful to Agravante and other working students like her. Instead of having to commute to her job and her school, she is now able to do her online classes even while she is at work. She only asks permission to take a break so she can attend the online classes as scheduled.
Agravante's co-workers admired her hard work and determination to study, despite the circumstances.
"Every time na umaattend ka ng online class na naka uniform ka sobra kaming ginanahang mag tropa. Sobrang nakaka proud kasi kahit walang maayos na table and internet connection gumagawa ka pa rin ng way," wrote one of her co-workers, Jirah Nicolas.
As expected, Agravante was surprised that her co-workers admired her so and that they would take a photo which would go viral on Facebook. She now encourages other students like her to study and work harder so they can all reach for their dreams.
"Walang nakakapagod sa pagtupad ng pangarap," she said.
"Sa lahat ng gagawin natin, mapa-online class man iyan, trabaho, or sa bahay lang, kailangan nating isapuso lahat ng gagawin. Be productive everyday kahit na may pandemic po tayong nararanasan."


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Biking is one of the more popular activities people have taken on during the pandemic which is why you've been seeing tons of al fresco cafés mushrooming in the neighboring areas outside Metro Manila. Cafes in Pampanga, Rizal, and Tagaytay serve as a pit stop for cyclists or people who simply just want a break from the quarantine life in Metro Manila. Another aesthetic café you can add to the list is Pugpog Biker's Highlands in Bulacan.
Pugpog Biker's Highlands is a new al fresco coffee shop in Bulacan that overlooks the Angat River and the Sierra Madre mountain range. If you really want the best view, you should grab a table at the café's viewing deck or go play on the swings!
Pugpog Biker's Highlands does offer caffeinated drinks and all-day breakfast items to jumpstart your day like Hotsilog, Longsilog, Tapsilog, and Daingsilog. If you want to pair your rice meal with coffee, they have a Breakfast Combo (P200) that bundles your choice of silog and your choice of coffee: Café Americano or brewed coffee.
If you're bringing a group with you, Pugpog Biker's Highlands has meal sets that are good for sharing. The Highlands Meal A (P1,230/good for 3-4 pax) includes Kare-Kare, Seafood Veggies, Chicken Wings, Rice Platter, 1.5-Liter Softdrinks, and a free Bulalo Soup; the Highlands Meal B (P1,310/good for 3-4 pax) includes Lechon Kawali, Pancit Canton, Pork Sisig, Calamares, Rice Platter, 1.5-liter Softdrinks, and free Bulalo Soup.
The Highlands Meal C (P1,490/good for 3-4 pax) includes Beef Bulalo, Pork Sisig, Fish Fillet, Beef Estofado, Rice Platter, 1.5-liter Softdrinks, and the Highlands Meal D (P2,140/good for 5-6 pax) includes Sinigang na Hipon, Beef Estofado, Fried Chicken, Pork Sisig, Crispy Chicken Fillet, Rice Platter, and two bottles of 1.5-liter Softdrinks.
For dessert, Pugpog Biker's Highlands also has you covered! Choose from the Banana Split and the Banana Nutella Crepe which is made with buttery crepes, Nutella, slices of banana, and topped with vanilla ice cream.
Ready to hit the road? Pugpog Biker's Highlands is open from 7 a.m. until 10 p.m (last order 9:00 p.m.). The café is located along Pugpog Road, Sta. Cruz, Angat, Bulacan (in front of Uratex Foam Angat and right after Welcome Angat Arc).
Follow Pugpog Biker's Highlands on Facebook for more information.


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YouTube site
Pages of Special Interest;
* Hazel McCallion - Mayor of Mississauga *
Other Table of Contents;
# 0260-2000
Comments added Oct. 1/01 as the City is set to change the by-law.
A public meeting will be held Oct. 3 - 2001 7 pm, at City hall.
The City has a whole set of changes and could even
If you would like more information or to get your name on the list to speak
Dec. 5/01. There appears to be a survey that you can ask for.
Down to business, what are the details of interest?
It is noted that this tree By-law should be City wide but that alone means it will likely not be supported by most of City Council.
City staff made it clear that this by-law would not interfere with development and the by-law is being changed to make it even more so. It is also increasing the rates from $35 to $200 for persons removing trees that are not dead, dying or hazardous. Still $35 for trees that are dead, dying or hazardous. People were upset over $35 they are very upset over the increases. On top of this cost, a person has to hire an Arborist to write a report about their tree(s) and they are not cheap. Many people complained about how hard City staff made it for them to get permits.
City staff claimed the Tree By-Law was written so it didn't discriminate between developers and normal home owners. But the Tree By-law clearly spells out that certain properties like nurseries and golf courses are not covered as well as the City, Peel Region and "any other government authority or utility corporation". This allows the hydro corridor to be clear cut for development. One gentleman stood up and noted a tree By-Law in another county that did in fact cover government trees, maybe the City should follow that model. They were also noted as having a 2:1 replacement planting for trees cut down.
The size of the tree that can be cut has increased from tress with a diameter between 6 to 12 inches (15 to 30 cm), needing a permit to 20 inches or 50 cm. The number of trees you can cut is also in the mix. A class "B" permit allows for 5 or more trees 8 inches (20 cm). I am not going into details here. None the less by increasing the size of tree so much this means most trees will not be covered. An important decision was made, that being, this Tree By-Law doesn't take into consideration the kind of trees that is being measured. Many trees will never get to be 20 inches across. In fact the City admits this will cut down greatly on people needing to get permits (about 12 per-year), and 99% will be developers. The City doesn't suggest how many people decided not to cut down a tree as it would be too much bother.
I noted there is no City plan for greening the community. That is to say how much and how many trees or other large plants should be in an area to gain what benefits. When it comes time to negotiate with the land owner who wants to clear cut their property it would be helpful if there was a plan for that community to show a certain percentage of community should be home to trees and hedges. That provide a benefit to the whole community. I noted that if a people were going to plant replacement trees for the ones that are cut down, on a different part of their property then they should get a deal or no cost. An idea that the Councilor generally agreed with. This is where an over all plan comes in, after all, the concern is the slow loss of green in a community with no reasonable replacement.
Educating the public;
To follow up on this, City by-laws are there to protect the whole community, from the value of your home to your own safety. Using the City's by-laws as just a guide they show how we try and protect, what we are becoming aware of, as elements of the community that are valuable to the whole community. In this case trees increases property values and protect our health. Unfortunately their efforts don't jump right out at the persons who see little beyond what they want. Those in the community who will take all the benefits from living in our City (with its rules), but none of the personal responsibilities to keep it a wonderful place to live in. And yes they are a loud lot.
The City does have a list of the benefits from trees but it doesn't go into details and doesn't use dollar figures that would impress the many who just don't get it.
I noted the City should not charge for trees that need to be removals they are dead, dying or hazardous. After all there is a by-law saying these tree need to be cut down due to safety concerns. The Ward 1 Councillor did note that it was the Mayor who insisted that there had to be a fee for dead, dying or hazardous trees permits. Sounds like she wanted to upset people as it was known at that time getting a permit for trees that had to come down or were coming down on their own, was what many complained about.
Most people agreed that developers should be ,mostly impacted by this by-law but remember our Mayor is the Queen of development, so that is not going to happen. Even if it is reasonable.
The Councillor also had a straw vote for the recommendations or not. I suggested that vote on keeping it the same and was a lone supporter of that. In regards to the vote the Mayor has said the City doesn't do them. The vote was not noted ahead of time, as more people would have come out for that. The Ward 1 Councillor noted many Ratepayers groups were at the meeting but not the Cawthra Ratepayers' and Residents' Association.
City staff said they never refuse a permit, as only City Council can do that, instead they refund the money so you have no permit for the work and therefore can be fined.
Some good examples of why a Tree By-law was needed, that were noted at the meeting. First time land owners and new comers who cut down trees for a garden then decide a garden is too much work. People who move in, cut down trees and move out in a year or two. People who move into a treed community and don't want to do the work a tree calls for. Most people who were pro-tree made it clear that if you want to live on property with few to no trees, buy property in an area with few to no trees. Don't cut down your trees and still enjoy the benefits of your neighbours trees. Some people wanted this to be put on a ballot.
There are many other things to say but this is all I can right now.
Your Financial Donations are Greatly Appreciated


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Skincare brand Pestle & Mortar doubles revenues on UK and global growth
Irish skincare specialist Pestle & Mortar has won contracts with M&S in the UK and Harvey Nichols in Hong Kong and is set to double its revenues this year as a result.
And the company is also ramping up its international expansion with debuts in Australia, Russia and the United Arab Emirates coming soon.
The Irish Times reported that the company has ambitious plans for a Chinese website too, based on really fast growth for the beauty sector in that market and also the company's existing links with China as all of its packaging is sourced there.
Co-founder Sonia Deasy told the newspaper that the company reached €3 million in revenue last year and expects €6 million this year as its contracts with big names and its global growth plans kick in.
She said the brand will be available in 45 M&S stores in Britain and the Republic of Ireland by the summer with a focus on the top performing locations. M&S became interested in the band following its appearance on TV shopping channel QVC.
The company recently moved into a new and larger head office in his hometown Naas, which it said is important as a showcase for the brand when dealing with distributors from abroad.
Deasy was speaking on the sidelines of the EY Entrepreneur of the Year Awards CEO retreat in Hong Kong, having been chosen as a finalist in the emerging category of the annual awards. She also said that the label's appearance in Harvey Nichols in Hong Kong should give it greater exposure to Chinese consumers and will add to the brand's appeal given the importance of Harvey Nichols for high-end shoppers.
Copyright © 2023 FashionNetwork.com All rights reserved.


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Govt Banned Imports of Solid Plastic Waste
The Centre has banned import of solid plastic waste into the country including in Special Economic Zones (SEZ) and by Export Oriented Units (EOU), an official statement said.
The Environment Ministry has amended the Hazardous and Other Wastes (Management & Transboundary Movement) Rules, 2016, in order to strengthen the implementation of environmentally sound management of hazardous waste in the country.
"The amendment has been done keeping into consideration the 'Ease of Doing Business' and boosting 'Make in India' initiative by simplifying the procedures under the Rules, while at the same time, upholding the principles of sustainable development and ensuring minimal impact on the environment," it said.
The Rules also have exempted exporters of silk waste from requiring permission from the ministry.
It also said that electrical and electronic assemblies and components manufactured in and exported from India, if found defective, can now be imported back into the country, within a year of export, without obtaining permission from the ministry.
"Industries which do not require consent under Water (Prevention and Control of Pollution) Act 1974 and Air (Prevention and Control of Pollution) Act 1981, are now exempted from requiring authorization also under the Rules, provided that hazardous and other wastes generated by such industries are handed over to the authorised actual users, waste collectors or disposal facilities," the statement added.


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Buoyed by the performance of smaller parties in the Bihar Assembly elections, some regional and local outfits in Uttar Pradesh are likely to revise their strategy for the 2022 state assembly polls to prove that small is big.
These outfits representing Dalit and backward classes are having a re-look at their electoral stand after the recent by-elections to seven UP Assembly seats showed that split in non-BJP votes ultimately benefited the ruling saffron party.
SP chief Akhilesh Yadav intends to forge an alliance with smaller parties, which includes Pragatisheel Samajwadi Party (Lohia), the outfit floated by his estranged uncle Shivpal Yadav, who in turn has given a positive response.
The SP had tied up with the Congress in the 2017 UP assembly polls and with the BSP in 2019 Lok Sabha polls but failed to halt the BJP juggernaut.
The SP might have a local tie-up with RLD and Mahan Dal in western UP, party sources said.
In the 2012 UP assembly polls, over 200 registered parties had fielded their candidates, while in 2017 there were some 290 parties vying for electoral laurels.
The BJP had tied up with Apna Dal (S) headed by Anupriya Patel and Shuheldev Bhartiya Samaj Party (SBSP) led by Om Prakash Rajbhar keeping in mind their clout among Kurmi and extremely backward classes respectively.
BJP MLC and UP vice president Vijay Bahadur Pathak said the party has cordial ties with its allies and the bonds will get stronger in the days to come.
Sources in Congress too said that the party was toying with the idea of forging an electoral alliance with smaller parties for the 2022 UP assembly polls.
The political front of Chandrashekhar Azad's Bhim Army party -- Azad Samaj Party (Kashiram) -- besides Owaisi's All-India Majlis-e-Ittehadul Muslimeen (AIMIM) party, Qaumi Ekta Dal of gangster-turned-politician Mukhtar Ansari and Peace Party headed by Mohammed Ayub are also likely to jump in the fray in the UP assembly polls in 2022.
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The M. W. Grand Master has offered the following brethren first appointment or promotion within
Mark Grand Lodge and they will be invested at the meeting at Great Queen Street, London on
Tuesday 12th June 2018
W.Bro Graham Pattendon Rose & Lily 354 P.G.Stwd
Fist Appointments
W.Bro Geoffrey Cheshire Broxbourne 428 P.A.G.D.C
W.Bro. Maurice Smith James Parsons 974 P.A.G.D.A
W.Bro Colin Dixon Halsey 1489 P.G.Std.B
W.Bro Chris Scott Ravenscroft 920 P.G.Std.B
Through Other Provinces/ Districts
First Appointments
W.Bro Mark Walton Rose & Lily 354 P.G.J.O Becomes V.W Germany
The M.W. Grand Master Has also offered promotion within Grand Lodge and they will be
invested at the meeting at Great Queen Street on Tuesday 11th September 2018
W.Bro Maurice Freeman Ravenscroft 920 to P.G.J.O Becomes V.W
W.Bro Edward Long Halsey 1498 to P.G.J.O Becomes V.W
W.Bro Mark Saunders Elstree & Radlett 1315 to P.G.J.D


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Our Cigars
All of our cigars are hand rolled in the old Cuban style tradition. We only use the best Cuban seed tobaccos from around the globe.
Our Story
Sabino aka "The Cigar Roller" has been performing Cuban style cigar rolling demonstrations in the Dallas/Fort Worth area since 2000. While on vacation in Costa Rica he stumbled upon a brand new cigar rolling school where he learned his trade in 2000.
Sabino's biggest event was Super Bowl XLV. Other large events include NCAA final four and several other large sporting events. He has also rolled cigars for some of the largest and celebrity filled weddings and events.
While wedding are his biggest clientele, his cigar rolling demonstrations have been enjoyed by VIP guests at golf tournaments such as The Byron Nelson, Colonial and several corporate and private golf tournaments.
Meet the Team
We have several cigar rollers on staff. We have plenty of cigar hostesses to cater any size event. We stock plenty of hand rolled cigars to service any size event.
The Cigar Roller
Sabino has been entertaining guests with his cigar rolling demonstrations in the Dallas/Fort Worth area since 2000. He has performed at weddings, golf tournaments, sporting events, corporate and private events.
Cigar Ambassadors
Cigar Ambassadors
Cigar Ambassadors are available to cut and light cigars for guests. Great for any event – golf tournaments, corporate or private events.
Next Steps…
Request a quote to make your next event a memorable one.
Email is always the best way to get a quote.


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(CN) - An Indiana gambler cannot be banned from a riverboat's blackjack table for counting cards, the state Court of Appeals ruled.
Thomas Donovan visited the Grand Victoria Casino and Resort, located on a riverboat in Rising Sun, Ind. He supplemented his income with blackjack earnings as an "advantage player," counting the cards that had been played and adjusting his bets accordingly.
Donovan had a deal with the casino that he could play blackjack and count cards if he did not bet more than $25 per hand.
But a new pit boss refused to honor that arrangement, and Donovan sued the casino for breach of contract.
He argued that because the casino catered to tourists, it could not exclude a patron arbitrarily. The casino operators countered that, as a private company, the casino could exclude anyone, so long as it did not violate civil rights laws.
The trial court ruled for the casino, but the appellate court overturned that decision, citing the rule-making authority of the Indiana Gaming Commission.
"The Commission did not enact a prohibition against card counting, and Grand Victoria did not seek a prohibition by rule amendment," Judge Bailey wrote.
The court concluded that Grand Victoria "may not exclude (Donovan) from blackjack because he counts cards."
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Circulating in social networks is this photo of the lightning strike that fell on the San Rafael de Heredia chuch Wednesday affternoon.
The electric discharge struck the temple, that has lightning rods.
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According to a person who witnessed and confirmed the event, the lightning "even blew away the umbrella he was carrying."
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The Eastern Shore's Premier Legal Firm
Welcome to Braden, Thompson, Poltrack, Mundy & McQueeney, LLP. Established in 1996, our attorneys and staff have long strived to serve the community among the Eastern Shore's preeminent legal service providers. As the largest law firm in Queen Anne's County, we are uniquely suited to provide aggressive, effective legal representation in a friendly and intimate environment. Located only minutes away from the Bay Bridge, we have worked to not only build a presence in the Eastern Shore, but also provide exquisite legal services to clients across the entire State of Maryland. With well over 100 years of experience in all areas of legal practice, our attorneys are eager to earn your trust and cultivate a relationship as your faithful "family" law firm. We look forward to working with you!
Areas of Practice
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- Finance
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Lunch & Learn Fisherman's Inn, Grasonville
Tuesday, September 6, 2022
Come have lunch on us and discover unique ways to honor a loved one, planning in advance and how you can save your family thousands! Seating is limited.
To register please visit http://bit.ly/2AvTo83, or give us a call at 410-604-3862.
Ryan Helfenbein is partner of Fellows, Helfenbein & Newnam Funeral Home and familiar columnist for Outlook by the Bay magazine. In his upcoming educational presentation, he'll touch on topics such as green burial, veteran's benefits, creating a meaningful celebration of life, pre planning, pre payment and much more. We will answer your most difficult questions.
We are also pleased to partner with Braden, Thompson, Poltrack, Mundy & McQueeney, LLP in order to promote and serve your estate planning needs. Joey McQueeney is a partner at the firm who will provide an array of information and answer any questions about important estate planning instruments, including advance healthcare directives (a/k/a living wills), powers of attorney, wills, and trusts.


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The next Democratic governor?
As Arlen Specter and Ed Rendell depart the political stage, State Treasurer Rob McCord will emerge as a leading Pennsylvania Democrat, just because he's a statewide elected official who's still standing after the Republican sweep last month.
I've known Rob for many years, and it was always clear he had political ambitions. He's now in position to be a credible candidate for governor in four or eight years, though he might have to deal with U.S. Senator Bob Casey, who ran for the office in 2002.
In a radio story today on WHYY, I note that McCord's been using the visibility of his office and the state's leverage as a stockholder to pursue an agenda of corporate reform, especially in the campaign finance area.
His work could be seen as demagoguery, but demagoguery and good works often come in the same package.
McCord says he understands some will see what he's doing as grandstanding, but thinks that most will agree he's raising important important issues and taking the right stand on them. He also says he doesn't look for fights or seek publicity as a first step. He says he tries to get change in a collegial and quiet way, but won't shy away from a public fight if it's necessary.
One example, he says is his suit to get into closed meetings of the state Gaming Control Board. Click the audio player above, and you can hear his explanation of that battle. I asked the Gaming Control Board for their side of the tale McCord tells, but they declined comment.
WHYY is your source for fact-based, in-depth journalism and information. As a nonprofit organization, we rely on financial support from readers like you. Please give today.


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Question: Uploading Genome From Ensembl
7.1 years ago by
Scroggins, Sheena • 30
Scroggins, Sheena • 30 wrote:
How do I upload the Zebrafish genome from Ensembl to my user history in Galaxy? I'm trying to map my RNA-Seq data using TopHat and need to map it to the Ensembl version of ZFv9, but Galaxy only has the UCSC version built in. The Ensembl version is slightly different. Thanks, Sheena
ADD COMMENT • link •modified 7.0 years ago by Jennifer Hillman Jackson ♦ 25k • written 7.1 years ago by Scroggins, Sheena • 30


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Prices starting at $664 for return flights and for one-way flights to Mazatlán were the cheapest prices found within the past 7 days, for the period specified. Prices and availability are subject to change. Additional terms apply.
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You can quickly and easily book cheap flights from Cleveland with Orbitz.com. The Cleveland Hopkins International Airport is situated approximately nine miles southwest of the city's central business district. Both domestic and international flights are provided by the airlines serving the Cleveland airport, including American Airlines, Delta Air Lines, Southwest Airlines, United Airlines, and US Airways. The airport was the first in North America to have an airport-to-downtown transit connection. It was also the first airport to have an air traffic control tower and airfield lighting system.
Parking is available at the Cleveland International Airport 24/7. Color-coded cards are available to assist visitors in locating their vehicles in the on-site parking garages. Parking garage tickets are dispensed automatically at garage entrances. Acceptable forms of payment include personal checks, cash, and credit cards. The airport operates an economy shuttle parking lot at a rate of $8.00 per day. Smarte Cartes are also available at the airport at a rate of $2.00.
Travelers using the Hopkins International Airport can take advantage of its connection to the Cleveland Rapid Transit system. In addition, the airport is also served by a dedicated taxi service comprised of 75 vehicles for the convenience of travelers. Rental car services are offered at a consolidated facility off the airport grounds. Transportation to and from the Hopkins International Airport can be quickly arranged through Orbitz.com.
Travelers who are looking for a snack or meal prior to boarding their flight will find that the Cleveland airport offers a variety of dining options, including Cinnabon, Dunkin Donuts, Auntie Anne's Soft Pretzels, Sbarro, and Subway. Finding breakfast or even a quick lunch or dinner is always fast and easy. Using Orbitz.com will help you to locate cheap flights from Cleveland and help you to find and book the best rates on all your ground transportation needs.
Mazatlan is one of the most popular tourist destinations in Mexico. It features sunny beaches and luxury resorts. Orbitz.com can help travelers locate cheap flights to Mazatlan. The General Rafael Buelna International Airport is located 12 miles from downtown Mazatlan, Mexico, in Sinaloa. Fourteen airlines service the airport, including American Eagle, Delta, WestJet, Aeromexico and Enerjet. Orbitz.com can help you find low-fare rates with many of these airlines.
There are several methods of travel throughout Mazatlan. Airport taxi services offer metered rates to many locations in and around the city. Limos are available for rent by the day or by the hour, and airport shuttle services provide complimentary shuttle services to many resorts in the area. Orbitz.com can provide information on local car rental agencies and help you book a rental.
Mazatlan has a hot and humid climate. January through March are the coolest months with average temperatures around 80 degrees and lows in the upper 60s. The hottest months are July through September with temperatures in the mid-80s and low 90s.
Mazatlan provides visitors with a selection of things to do and places to see. The Huana Coa Canopy Tours provide outdoor activities for the older teen. Young adults can experience hiking, rock climbing and rappelling. Bibi Fleet Sports Fishing offers salt-water fishing around Mazatlan. The El Faro Lighthouse is located on top of Cerro Creston, which offers excellent city views of Mazatlan. Orbitz.com helps travelers locate the best deals in travel, including cheap flights to Mazatlan.
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