A Playful And Relaxed Family Home That's Bound To Put a Smile On Your face!
Thursday totally calls for a little colour, don't you think? After all - we need to start gearing up for the weekend - only one day away friends, one day away! PHEW! I can't think of a better way to get into the spirit than by taking a peek inside the wonderful home of Ulrike Lea who goes by the hashtag #coloursaremytherapy. Ulrike, who describes herself as an 'interior design lover, cyclist, crafter, Mamma and nature addict' has decorated her lovely home in Aix La Chapelle, Germany using a mainly neutral backdrop and then add splashes of primary hues in the form of furniture, accessories, ceramics, art and flowers. The look is playful and relaxed - and offers great inspiration to anyone looking to add cheerful tones without going all out!
Tulip chairs* and table*, source a vintage filing cabinet here*.
One of the key kitchen trends this season is to do away with upper cabinets (not entirely practical if you have a small kitchen, I know! But Ulrike gets away with it beautifully in this space).
This is a great source for boucheroute rugs*, pick up a vintage school chair here*, Love x Play poster from Odot studio. Source a vintage wooden racket here* (or just look in my Mum and dad's upstairs cupboard in London and you're bound to find a whole selection complete with towelling grips - John McEnroe style!!).
My home suddenly feels so serious. I might just head on over to the websites of some of the artist's featured in Ulrike's home! So many fabulous ones here, and I've tried to name as many as I could!
Has this home inspired you too?
PS I'm writing this post in the Malmö IKEA store restaurant having used my 'family card' to buy a great big semla (swedish easter bun-type thing) and a coffee (bargain!). It's surprisingly calm in here (I DEFINITELY wouldn't do the same at the IKEA on London's North circular!!).
I'm working from a little cafe by the sea this morning and the water is sparkling like diamonds. I can't tell you how wonderful it is to feel the warmth of the sun on my skin again! Spring is also in the air in this idyllic little apartment in Haga, Gothenburg. The wooden house is over 160 years old and still bears many original features including two lovely tiled stoves, wood floorboards and architraving. I particularly love the idea of sitting at the table by the window and looking out over the picturesque courtyard with a coffee right now, how about you?!
I really like the idea of placing a shelf across the middle of a window for plants. I might do this in our summer cottage kitchen! Have you done this anywhere in your home?
The wooden cabinet adds a lovely romantic touch to the bedroom. It's almost worth decluttering the wardrobe so you could down size to a unit like this - or perhaps create an overflow somewhere else in the home (Marie Kondo need never know!).
This solar system mobile seem to be popping up everywhere right now. Are you a fan? If so - you'll be happy to hear it's available here*.
How pretty is this courtyard? Just outside the muse gates are a load of little cafes, restaurants and boutique shops.
I think this is my dream 'city' apartment. It's like a total oasis and just so pretty and full of light. I've always dreamed of living in a London Mews - but perhaps this is the way to go?! Slight problem with space - with one bedroom. Hmmm. Is it OK to an acquire a 'mammas escape'?! Perhaps we could do a time share?!
Could you imagine living here too?!
For more pretty Swedish homes to feel inspired by today, take a peek at an idyllic Swedish cottage (and funky pink caravan!), a fisherman's cottage on Sweden's West Coast and a charming 19th century house on Gotland.
PS I've teamed up with a small local family run Malmö design firm to offer your the chance to win two lovely wool trivets over on instagram today.
Duvet Day In This Cosy 'Forever Autumn' Bedroom?
The walls in my bedroom were white for years (take a peek here) and it always felt so fresh and light. But it's only when I painted the back wall in a 'blushing peach' hue that I realised the power of colour - and how much more cosy a room feels with slightly darker, warm tones (I'm sure you've seen it, but just in case, there's a tour of it here). It's funny how that can happen don't you think? Yesterday I came across a tour of this beautiful bedroom belonging to Jeska Herne of Lobster & Swan and it reminds me so much of the colour in my bedroom - except she's gone all out. All four walls and the radiator have been painted in Warm Mud Brown by Cassandra Ellis. The result is a bedroom with a calm yet inviting 'forever autumn' feel and a warm, relaxed vibe.
Oh my word - while searching this picture for details to write about I spotted my very own book 'The Scandinavian Home' - what an honour! Thank you Jeska!
The pair are a big fan of antiques and many of the pieces have been collected on their travels to places like India. They also like to shop for fair-trade antiques at Ian Snow.
When it comes to DIY, Jeska and Dean are on a whole other level (their garden retreat which they created on a shoe-string budget is a fine example of this!). Dean made the bedside shelves in this room and Jeska pieced the lights together with various items collected over time. You can find similar pretty vintage lights like this on Etsy* (I particularly love this hand cut glass lamp* and art deco vintage lamp* but you'd need to be super quick, there's only one of each!).
Sheer lace curtains (source similar here*) slip in a soft pool of filtered light giving a calm feel to the space and glass cabinets provide a place to store magazines and bed linen while keeping them dust free.
Layers of linen complete the relaxed feel of the space (I love the look of this linen bedding*!). The picture above the bed is vintage.
It seems like Jeska and Dean's cat Marlo looks totally at home in their new bedroom - and who can blame him?
Is it me or have feline friends been stealing the show in home tours lately? Just look at yesterday's home and Audrey Rivet's lovely apartment!
Are you a cat person? I grew up with rescue cats and my husband and I used to have a cat called Fredrik-Bo. He was a real character - he used to go to the local cafe and eat muffins. He was really charming when he wanted to be (namely when he wanted a muffin!) but was also massively vicious, to the extent that we had to run passed him when he wasn't looking for fear of being attacked!! Needless to say, my husband has vetoed ever getting a cat again. Bah! I miss them purring away while curled up on my lap and climbing over my keyboard as I type!
Back to this bedroom though - could you imagine spending a duvet day here? There's something so calm about it and it makes me feel really nostalgic - it reminds me a little of my grandmother's home on the South Coast of England, which was really lovely!
Oh and if you love the look of the Cassandra Ellis paint - Jeska's holding a very exciting give-away to win 10 litres of it on her blog here! Hurrah!
PS Only three days to go before the launch of my online interior design service - scary Mary! There's only a couple of spaces left for the big discount - thank you so much to everyone who has signed up so far! If you'd like to be one of the first twenty to get help re-designing a room in your home from the My Scandinavian Home Studio team just send me a mail and I'll add you to the list and notify you as soon as it launches!
Hej hej! How are you?! We had such a wonderful time in the Alps (I can highly recommend Obergurgl in Austria if you love skiing!) - and now we're back it feels like spring is in the air in Sweden - woohoo! (although I'm not going to get my hopes up just yet). I hope you've had a great week too! I'm excited to get cracking with my daily posts again and thought I'd kick off with a very special home. This lovely, relaxed apartment belongs to Polish artist Margo Hupert - and doubles up as a living space and creative studio. Think white floors, art (including some of Margo's own nature inspired pieces), interesting trinkets, plants, vintage finds and the cutest furry friends. Step this way for the tour!
Just how lovely is that vintage filing cabinet / plan chest? I did a little search and found similar ones here*.
Margo makes use of light from her window to sketch. The sitting room area occupies the same space (try the Söderhamn sofa with a Bemz Urban Loose Fit cover for a similar look).
The shelves are from Tylko. Source a similar vintage industrial stool here*.
That cat looks like he might have spotted something out of the window (my money's on a bird?!). My eyes are on the beautiful dining space full of one-off pieces, natural materials and plants. Just lovely!
Still gazing out of that window, huh?!
How lovely! There's just so much warmth oozing from this home, don't you think?
It's a perfect place to get creative too - there's so much light!
Source Margo's art here and see more pictures of her lovely home here.
Would you like to take a peek at more artist's homes today? I can't think of a better way to spend a Monday, can you?! Certainly eases the pain! Here are a few of my favourites: a fabulous vintage inspired loft in a former textile factory, the lovely home of a Danish artist and an artist's studio and home in Stockholm. Time to pour a coffee!
PS In case you missed it, the My Scandinavian Home online interior design service launches this Friday - weeee! So exciting (and of course a little nerve-racking too!). Thank you so much for the overwhelmingly positive response, you've made my week! By way of thank you, I'd like to offer the first 20 people to sign-up a very big discount (200 euros instead of 300 euros) on a room design! If you'd love to be one of the first please send me a mail and I'll reply with a discount code and notify you as soon as the service launches.
A Present From Me To You: A Special Discount On Your New Room Design!
Tjena! Thank you so much for the hugely positive response to the new My Scandinavian Home Studio online interior design service! I've been smiling all week!
I loved hearing about which room you would like to re-design and why in the previous post as well as on Instagram and Facebook. We now have two sterling testers: Jodie Sperling and Nina Pethers!
Don't worry if that's not you! To celebrate the launch this Friday (1st March) we're thrilled to offer the first twenty people to sign up to a new room design a third off the usual rate (i.e. 200 euros instead of 300 euros). All you need to do is send me a mail and I'll notify you as soon as the interior design service (and website) launches together with a special discount code. The service is available to everyone, pretty much anywhere in the world.
We're so looking forward to helping you turn your home into a beautiful Scandinavian haven, one room at a time!
PS Sorry for the radio silence this week, I'm so happy to be back after the holidays. I thought I'd kick off the week with a beautiful home tour - see you tomorrow!
My Scandinavian Home Studio - Room By Room Online Interior Design Help!
Guys! I have some exciting news to share with you. Last January I sent out a survey to find out what you'd like to see more of on My Scandinavian Home - and I received so many wonderful, helpful replies! I noticed many said that although you enjoyed the inspiration, you still sometimes feel a little stuck with how to arrange a room, which colours to choose, or simply how to complete the look in a beautiful way (don't I know that feeling!). I also receive a flood of mails each week asking for similar advice. So, I put on my thinking cap.
One of the key philosophies of Scandinavian design is that everyone should have access to good design. And I felt the same should be the case with interior design.
So, I have launched an affordable My Scandinavian Home online interior design service from this fab studio. For a small fee, the team of highly qualified, passionate, über talented Scandinavian interior designers are waiting to help you pretty much wherever you are in the world!
All you'd need to do is visit the studio website, fill in a simple online form about the room you'd like decorate and complete a fun style survey on the bus home from work or from the comfort of your sofa. One of the members of the team will then contact you to discuss your needs, before sending you a room layout, mood board and product list (if required) so you can get decorating and create the room of your dreams!
I hope you feel as excited as I am! If you are stuck on a room, We're so looking forward to helping you transform your home, one room at a time!
PS It's half term in Sweden next week so I am going to be giving my husband and little girls my full screen-free attention - do you think they'll recognise me?! I won't be blogging but I might just sneak on to instagram stories from time to time (yes, I know, but!). I hope you have a really lovely, relaxing week too!


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Resort - Located along Nanai Road Fully air-conditioned, rooms are equipped with a cable TV, personal safe and minibar. Attached bathrooms have hot-water showers and toilettes. Offering free Wi-Fi , have swimming pool.
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text:
Steve Smith Financial
687 County Road 1200 N Carmi, IL 62821
steven.smith@saswealth.com
Printed from: www.stevensmithfinancial.com
What Is the History of the Federal Estate Tax?
The history of estate taxes in America has been a long and winding road. Careful estate planning is still one of the most important ways to manage and protect your assets for your heirs.
The Stamp Act of 1797 was the first federal estate tax in the United States and was passed to help fund an undeclared war with France; it was repealed in 1802. The Revenue Act of 1862 reinstated the estate tax in order to fund the Civil War; it was abolished in 1870. To finance the Spanish American War, the War Revenue Act of 1898 was passed, and subsequently abolished in 1902. Due to the costs of World War I, the Revenue Act of 1916 reinstated an estate tax that, in some form or other, has been in effect ever since.
The Economic Growth and Tax Relief Reconciliation Act of 2001 gradually increased the federal estate tax exclusion, until finally repealing the federal estate tax altogether for the 2010 tax year only. The Tax Relief Act of 2010 reinstated the federal estate tax with a $5 million exclusion, indexing the exclusion for inflation after 2011. The provisions of the Tax Relief Act of 2010 expired on December 31, 2012.
The American Taxpayer Relief Act of 2012 increased the federal estate tax rate from 35% to 40%, but left in place the higher exclusion level, which reached $5.49 million in 2017; both provisions are now permanent. It also left in place the "portability" of any unused exclusion between spouses.
The latest major piece of tax legislation is the Tax Cuts and Jobs Act, which was signed into law on December 22, 2017. This Act doubled the federal estate tax exclusion to $11.18 million in 2018 (indexed annually for inflation) while retaining the 40% tax rate. The 2023 federal estate tax exclusion is $12.92 million (up from $12.06 million in 2022). In 2026, the exclusion is scheduled to revert to its pre-2018 level.
SA Stone Wealth Management Inc. requests that you do not transmit orders and instructions regarding your SA Stone wealth Management Inc. account by email. Transactional details do not supersede normal trade confirmations or statements. The information contained in this transmission is privileged and confidential. It is intended for the use of the individual or entity named above. The information contained herein is based on sources we believe reliable, but is not considered all-inclusive. Opinions are our current opinions only and are subject to change without notice. Offerings are subject to prior sale and/or change in price. Prices, quotes, rates and yields are subject to change without notice. SA Stone Wealth Management Inc., member FINRA and SIPC, is a registered broker-dealer. SA Stone Investment Advisors Inc is an SEC registered Investment Advisor. Generally, investments are NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE. Please contact your Financial Professional with information regarding specific investments. SA Stone Wealth Management Inc. reserves the right to monitor all electronic correspondence.

redpajama_set_name: RedPajamaCommonCrawl


Line a baking sheet with paper towels and lay out the tomato slices. Lightly sprinkle them with kosher salt. Flip over and repeat. Let the tomatoes sit and drain for about 30 minutes.
Heat the oil in a skillet, add the onions, and saute until they're softened and lightly browned.
Unfold one sheet of puff pastry and place it on a baking sheet lined with a silicone baking mat or parchment paper. With a rolling pin, gently roll over puff pastry to spread the edges just a little thinner.
Leaving about an inch from the outside edge, spread the goat cheese evenly over the pastry dough. If you love goat cheese like we do, use it all! If you'd prefer a lighter touch, it's still delicious with only half.
Sprinkle the goat cheese with half of the Asiago and scatter the sauteed onions on top.
Pat the tomato slices dry with a fresh paper towel, then layer them on top of the onions. Sprinkle with salt, pepper, and the rest of the Asiago.
Roll the edges of the pastry toward the filling, pinching a bit as you go. Bake for 20 minutes or until the pastry is golden brown.
Cool slightly, top with the basil, and serve.


There are nearly three million people currently living with diabetes in the UK and experts predict that this number will reach five million within the next twelve years. As the prevalence of diabetes continues to increase, the understanding of how to manage diabetes also needs to increase.
This particular short course is just 8 weeks long.
By completing this qualification, you will improve and develop your knowledge and understanding to help provide the best care possible for people who are living with diabetes. You will also develop awareness of how the onset of Type 2 diabetes can be delayed with lifestyle changes.
This unit explores the varying functions of glucose and inclusion in the blood, the different forms and causes of diabetes as well as the risk factors associated with each type.
Those studying will examine the prevention and early intervention of TYPE 2 diabetes, paying particular attention to how the condition can be delayed or prevented through healthy lifestyle changes.
This unit explores how the condition can be managed and monitored as well as considering the mental and physical impact diabetes diagnosis can have on an individual.
Learners will develop an understanding of the ongoing care and treatment recommended to control blood glucose levels and identify how best to prevent and detect complications in people with diabetes.


World First is committed to providing a competitive and efficient service, built on the company value - "People First". It means we deal with everyone - client, supplier, partner or employee - fairly and transparently.
Unfortunately, there may be occasions when we fall below the standards you expect, and we have simple, clear procedures in place to set out how we will deal with any complaints you may have about the service you have received.
You can make a complaint by a means that is convenient for you - for example, letter, fax, email, telephone or in person, to any member of World First staff, although it may be easier for you to contact your usual dealer.
The quickest way is to email: complaints.asia@worldfirst.com. This email address is monitored during Hong Kong office hours and will ensure that we can begin investigating your complaint as soon as possible.
The complaint will be recorded on our systems, and the person handling it will respond in writing by post or email.
We will start investigating your complaint as soon as possible and aim to resolve the matter as quickly as we can, keeping you regularly informed of our progress. In our final response, we will explain our assessment of the complaint to you, along with any remedial action or redress. We will also take measures to improve any systems or processes where necessary.


The company bought some farmland in somewhere in USA, the land is selected base on many economic and risk factors, for example the state has a positive grow trend of population, i.e. there will be demand in future housing and facilities. There are already some developments in the nearby area and it is near good transportation, i.e. high way. So the demand will come typically in 2-6 years.
The company sells the land to many small investors like us and we jointly own the land.
The company has many teams to work on increasing the value of the land, including, town planning, housing project planning, and legal team and lobbying team to make sure the plan is in order and be accepted by town council. Once the plan is accepted, it awaits for developer to buy it, hence the exit.
In most cases, if 65% of the investors agree to sell, the deal will proceed, and typically the gain is a multiple of the investment.
The cost of investment is lower than property because we are investing in land before it was developed. The farmland has low downside of value depreciation.
I picked that particular land projects from the company because the company has been around in Canada/USA for 30+ years, the agent for the company has been around 8+ years and I have trusted friends who have invested before and done his home work including going to the headquarter of the company and verified his ownership of the land after making his investment, with the town council of the land he invested. I have looked at the CAGR (return) and the time length of return of the previous land projects by the same company, and I am satisfied with their rate of return.
This is new to me, but I'm glad to be trying some alternative investment product.


In order to cater diverse requirements of the clients, we offer varied range of Inverter Based Welding Machine that are durable in nature and are delivered in varied specifications. With the assistance of experienced and dedicated professionals we are able to cater diverse requirements of the clients across the nation. Moreover, we offer them at most affordable rates.


text:
Hertog van Shrewsbury (Engels: Duke of Shrewsbury) is een Engelse adellijke titel.

De titel hertog van Shrewsbury werd gecreëerd in 1694 door Willem III voor Charles Talbot, 1e Graaf van Shrewsbury. De titel verviel met zijn overlijden in 1718.

Hertog van Shrewsbury (1694)
Charles Talbot, 1e Hertog van Shrewsbury (1694–1718)

Britse adellijke titel
Shrewsbury

redpajama_set_name: RedPajamaWikipedia


In the early morning hours of December 3, 2009 I had the most amazing dream from the Lord. In this dream, Lisa and I were at a vast construction site where a large number of crews were demolishing buildings. There were many, many buildings at this site, and they were buildings of all different kinds and sizes. There were large and medium-sized buildings, like office complexes, and there were medium and smaller-sized buildings, like houses. There were also even smaller buildings, like garages and sheds.
We drove up to one particular shed-sized building, and the worker operating the demolition equipment had just begin knocking the building over. Lisa and I approached the building and motioned for him to stop, which he did. We then proceeded to remove the door from the doorframe of the building being knocked down.
The worker in the cab of the wrecking equipment machine inquired of us the reason we were taking all of the doors out of these buildings. I told him that these doors were still good and still very useful. We carried the door back to the large flatbed truck we were driving, which had a great number of doors stacked upon it that we had salvaged from other buildings. We then drove towards another building that was in the process of being demolished in order to save another door.
After I awoke, I began to pray for understanding. The Holy Spirit led me to John 10 where Jesus spoke at great length regarding doors of the sheepfolds, good shepherds, and sheep. The Lord showed me how churches, the houses of God, of all kinds and sizes were being systematically destroyed throughout our land and that the pastors, the doors, were in danger of being destroyed with them. But it was not God's will that they be lost in the destruction, because they were still good and useful for His purpose. I knew in my heart of hearts that there was coming a time of helping wounded preachers. Thank God for dreams and visions!
Please continue to pray for and support the men and women called and anointed of God who carry the mantle of ministering to God's people. Even when a church crumbles, these pastors are still good and useful and precious to the Lord!


"wants to be neutral in the way that Europe is toward Israel."
One could argue that much of Europe is something other than neutral toward Israel, but Hanson's point remains.
is right on the money with this. Thank goodness we're not still saddled with W's stupidity. He lacked the nuance to pull off the gaffes strategic diplomacy with which Obama has dazzled Putin, among others (Iran, China, Cuba, Venezuela, Syria).
But hey, we know Obama is willing to deal roughly with those who leave him no option: Honduras, Israel, Canada, the UK, Poland, the Ukraine..
Remember when the Dems were concerned about the military?
Neither do I, but they used to pretend better than this. Taking funds out of the military budget to fund a memorial to Ted Kennedy? It's beyond parody, as is the fact that they're not even embarrassed about it.
There is at least 1 thing government is good at ... growing.
"From the founding of the Republic to 1929, spending by governments at all levels, federal, state, and local never exceeded 12 percent of the national income except in time of major war, and two-thirds of that was state and local spending. Federal spending typically amounted to 3 percent or less of the national income. Since 1933 government spending has never been less than 20 percent of national income and is now over 40 percent and two-thirds of that is spending by the federal government."
--From Milton Friedman's book "Free to Choose"
That was in 1980. In 2008, government spending accounted for about 45% of the national income. And today? I'm afraid to learn the answer when the current administration gets done with it.
didn't the NFL just give us a taste of football's moral compass?
In 1937, in response to FDR's New Deal, US Senator Josiah Bailey co-authored a document that came to be known as the "Conservative Manifesto".
The points of the document ring as true today as they did in 1937. But who among the current republican leadership could communicate a message like this to the American people?
Immediate revision of taxes on capital gains and undistributed profits in order to free investment funds.
Reduced expenditures to achieve a balanced budget, and thus, to still fears deterring business expansion.
An end to coercion and violence in relations between capital and labor.
Opposition to "unnecessary" government competition with private enterprise.
Recognition that private investment and enterprise require a reasonable profit.
Safeguarding the collateral upon which credit rests.
Reduction of taxes, or if this proved impossible at the moment, firm assurance of no further increases.
Maintenance of state rights, home rule, and local self-government, except where proved definitely inadequate.
Economical and non-political relief to unemployed with maximum local responsibility.
Reliance upon the American form of government and the American system of enterprise.
that we had agreed to impose morality tests on would-be nfl franchisees? is the corollary that all of the owners up to now have passed this test?
shouldn't the libs mourn this kind of stuff as well? the behavior here is the kind of mccarthyism the left complains of ceaselessly, but without actual cause.
limbaugh should say "screw 'em" and buy the team alone.


Life with an Indian Prince by John J. Craighead and Frank C. Craighead, Jr.
2001, Heritage Publications Series, Volume 2, Archives of American Falconry, Idaho, 9" x 12", hardbound, mylar dust wrapper, 277 pages, color and black-and-white photos and sketches.
Journals of John J. Craighead and Frank C. Craighead, Jr. August 6, 1940 to April 11, 1941.
This adventure of a lifetime starts when the Craighead brothers receive an invitation from an Indian prince. From flying hawks and falcons to running cheetahs on gazelle, this documentary is beyond imagination. Faithfully, due to detailed journals, this journey is presented in first class fashion. The 2nd of a series of books by the Archives of American Falconry which is bound to appreciate in value.


Structural Inspections report on the foundation and supporting elements of a home. When performing a structure inspection, the home inspector will examine for a variety of signs that may include cracks in the concrete or brick and bowing and warping of support beams or joists of the foundation. You have to consider the structural inspection cost as well. The cracks may indicate a foundational shift that could compromise the integrity of the structure and sagging rafters may indicate an unsafe condition, which may cause them to either detach from the whole or break and place undue stress on the rest of the structure. The structure is the foundation of the home and must be inspected to help protect your real estate investment.
Structural Inspections gather data and provide a report on the supporting elements and the foundation of a home. The home inspector examines a variety of signs when performing a structure inspection. Among these signs are included warping and bowing of joists or support beams of the foundation and cracks in the brick or concrete. A foundational shift may be indicated by the cracks. Sagging rafters may indicate an unsafe condition and the foundational shift could compromise the integrity of the structure. Undue stress may be placed on the rest of the structure due to sagging rafters that could either break or detach from the whole. The structure must be inspected regularly in order to help protect the investment in the real estate, as this is the foundation of the home. An engineering or structural inspection is an opinion as to the integrity and structural condition of the home or building.
There are also unpredictable variables in building structures. Since soils typically move in a non-linear fashion, it cannot be predicted the amount of movement and the exact time. Wood is an imperfect material that is subject to rot, shrinkage, swelling, etc. Some other loads such as wind, snow, etc. are variable by their nature. During an inspection, many structural components cannot be seen without disassembly. In these circumstances, as in all professions, the value of a structural inspection is largely dependent on the qualifications and experience of the individual who performs it.
Our structural inspection services Our company is specialized in structural inspection in Myrtle Beach. Our team of experts is well versed in as-built / forensic inspections of existing buildings. Based on our experience and skills we provide direction to resolve framing / structural issues, including settlement concerns, fire damaged structures, foundation inspections, and warranty issues. We also verify rebar placement and footing dimensions and locations. Providing structural inspection in Myrtle Beach, we take pride in working with engineers, builders, architects, and homeowners in order to fulfill the structural engineering needs of our clients. Our inspection and design experience spans from the mountains to the beach and from the custom homes and residential tract to low-rise commercial structures. Our experienced specialists in structural inspection services can provide creative solutions in a time-efficient and cost-effective way.
If you need a structural inspection in Myrtle Beach do not hesitate to give us a call for a free quote. Our structural inspection experts would be pleased to answer your questions.


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First download Andro emulator in your device.download Andro emulator for windows 7/8/10.
After download, Andro emulator installs in device and next to log in google play store.
After this you search androdumpper app and find that app and install in your device.
the app file installs now you can enjoy using this app on your windows device.


Vsitours.com - Best Questions To Ask A Virtual Assistant. Travel ordeals on the Nomad prior to the world wide web and how to preserve and acquire improved suggestions, data right after the world wide web by heading on to professional agents and journey operators. Introducing a vacation club where you may get totally free vouchers for discounted vacation in over 70 nations.
Associated to Best Questions To Ask A Virtual Assistant, Tourism is really a booming market. With quite a few travellers flocking to various locations all-around the globe, tourism has become considered one of quite possibly the most practical business enterprise marketplaces from the world. On the other hand, air travel, automobile travel together with other facets of tourism are introducing on the planet's pollution crisis and this is starting to become an issue. Journey operators and hospitality corporates realised that some action wanted for being taken, and Eco-tourism was made being a solution to this problem.
Accountable tourism usually means all tourism right dependent on the use of pure lifetime e.g. wildlife and landscape. Character primarily based tourism include things like eco-tourism and mass tourism. This really is linked to Best Questions To Ask A Virtual Assistant.
There are two amounts of answers to the concern of why people today vacation. The first is the noticeable 1, and possibly the rationale we give ourselves and estimate to many others. We vacation so that we can easily see sights, experience other cultures, attend gatherings and study more about the globe. These are typically enjoyable motives. But you can find further causes for traveling that have significantly less to complete with what we do when we vacation, and much more to carry out with what traveling does to us. These five sets of improvements to ourselves are at the heart of what can make travel so powerful.
Scheduling air journey, earning resort reservations and arranging vacation vacation usually has improved wholly with all the arrival with the online and several persons seek to be their very own vacation brokers. As you can prepare seemingly the majority of your travel on your own, you can't do at the same time as your travel agent inside a future!


San Francisco County and California Whistleblower Attorney: Whistleblower Protection - Evans Law Firm, Inc.
In a strong statement of encouragement to whistleblowers the government recently ordered the reinstatement of a bank whistleblower who blew the lid on the bank's unlawful practices. In a complex national case against one of the country's largest banks, an employee whistleblower uncovered the bank's practice of opening unauthorized accounts for its customers and reaping fees from those accounts. We at Evans Law Firm have years of experience with these kinds of whistleblower cases, also known as qui tam cases. The cases, like this one, are very complex and drawn out and the rules governing them are very strict. We recommend you consult with counsel before coming forward with your information of wrongdoing. If you live in San Francisco County or any California county and have information that may qualify as a qui tam/whistleblower case, call Evans Law Firm, Inc. today at 415-441-8669.
Federal and California law prohibit retaliation against whistleblowers who initiate government or internal investigations of wrongdoing. In the recent case, the bank fired a local bank manager allegedly after the manager brought the bank's unlawful scheme to light. The discharged employee sought the help of the Occupational Safety and Health Administration (OSHA), the leading federal labor agency for worker protection. OSHA agreed that the termination was in retaliation and ordered that the bank re-hire her. In addition to reinstating the whistleblower's job and awarding her $577,500 in back pay, compensatory damages and attorneys' fees, OSHA ordered the bank to clear her personnel file. The bank is also required to post notices informing bank workers about federal whistleblower protection laws.
Government protection against retaliation is only one of the major incentives for whistleblowers to bring wrongdoing to light. The other is that whistleblowers stand to receive financial rewards if their allegations of wrongdoing are ultimately successful. Such actions include cases such as this one and whistleblower cases under the False Claims Act (FCA) which assist the government in recouping hundreds of millions each year previously paid out for false claims. The Internal Revenue Service has a similar whistleblower program that rewards citizens with evidence of tax avoidance schemes when that evidence helps the government recoup unpaid taxes. The Securities and Exchange Commission also has a whistleblower program for assistance with securities law violations and investment fraud cases, and the Financial Industry Regulatory Authority (FINRA) has a whistleblower program for financial industry regulatory violations, abuse, and fraud. Evans Law Firm has years of experience with all these different types of complex whistleblower/qui tam litigations, involving false claims, offshore tax avoidance schemes, securities fraud, and financial fraud and abuse. Our attorneys know what evidence the government looks for and can help sift and marshal your evidence effectively, guide your case through investigation and discovery, and represent you at trial.
If you or someone you love has information regarding a whistleblower/qui tam case in San Francisco County or any California county involving the False Claims Act, Internal Revenue Service Whistleblower Office, Securities and Exchange Commission Whistleblower Program, or the FINRA Whistleblower Office or other illegal activity, contact the Evans Law Firm whistleblower attorneys at (415) 441-8669, or by email at info@evanslaw.com. Our attorneys have experience with complex financial contracts and large insurance companies. We can help guide your case through a FINRA Arbitration, jury trial or toward an equitable settlement. We also handle cases involving physical and financial elder abuse, qui tam and whistleblower law, nursing home abuse, whole life insurance and universal life insurance, and indexed, variable, and fixed annuities.


FPS (frames-per-second) is a value that shows the current frame rate. Showing the current frame rate can be useful for debugging games that may affect Scratch's performance, such as a game that performs intense calculations.
When the flag is clicked, the timer is reset and and a forever loop starts. In this loop, a variable, in this example, "FPS," is always set to 1 divided by the current value of the timer. After this block's script is run, the timer is reset. The value of the "FPS" variable is roughly the value of the current FPS.
When the flag is clicked, the timer is reset, a variable, in this example, "Previous Timer," is set to 0 and and a forever loop starts. In this loop, another variable, in this example, "FPS," is always set to 1 divided by the current value of the timer subtracted by the value of the "Previous Timer" variable. After this block's script is run, the timer is reset. The value of the "FPS" variable is roughly the value of the current FPS.
This page was last modified on 20 March 2019, at 16:49.


text:
members: Paul (guitar, keyboards, vocals), Lara (vocals)
related bands: Maxxfemm, Layton
Paul & Lara
This futuristic brother/sister pop duo charmed audiences and gained a following by performing at various clubs around the L.A. area. Their self-released demo cd was a favorite on local stations KXLU and KUCI. In 1998 they recorded a 3-song session at a recording studio with producer Bob Hurley, "Picturella" (a song about watching too much television, was recorded and featured on the compilation Heal the Bay on Mojo Records) Paul & Lara, who now go by the moniker of "Layton" have released their first full-length entitled "Grand Design" on Leftwing Recordings.
KITT-006 Paul & Lara
"Action" 7"
KITT-000 "Recover"
from "2004 New Music Sampler" CD comp
© 2010 www.kittnet.com last updated: 06-12-10


Unsurpassed Quality in New Construction Designed & Built by Matt Junger in sought after Williams Park. White Painted Brick & Cedar Shingle exterior w/Courtyard Entry & beautiful Cedar Garage doors. Professionally landscaped lot w/covered Porch overlooking large private Backyard. Crisp, modern interior flooded w/natural light features 12' ceilings, stunning white Kitchen w/Quartz countertops & 48" Range, impeccable Custom Cabinetry throughout, Barn Doors, Shiplap, solid Oak Floors on main level & Master Ste, Limestone fireplace, custom closets, walk-up attic & much more!


I was looking through some pics on my phone the other day, reminiscing about the trip to New Orleans I took at this time last year, when I came across a photo of the Anne Rice section of the Garden District Book Shop. Anne Rice is a big deal in NOLA because she was born there and lived in various New Orleans locations throughout her life. I took a walking tour of the Garden District and we made a stop in front of the mansion she used to own. You can also take an Anne Rice-themed tour of the French Quarter, which I kind of regret not doing.
I haven't read any of Rice's work since I was a teenager, but I have a very distinct memory of reading the first four books from The Vampire Chronicles when I was 15. I read them during a summer I spent in Greece. I was there by myself, away from my friends and family, and I was terribly homesick. Her books kept me company and made me happy when nothing else did (*reminder: I was a teenager). I was surrounded by a language I only barely understood, food that was delicious but different from what I was used to, and music that I hated (I was very much in a grunge state of mind and Athens at that time was all about euro-dance). So I will always be thankful for Anne Rice and the incredible gothic world she created.
I recently bought a copy of The Witching Hour and I'm pretty excited to read it. I also want to reread the first four titles from The Vampire Chronicles, plus all the others that were published after 1995. Anyone with a bibliography this impressive can teach the rest of us a little something about what it takes to be a writer. And while I'd love to sit down with Anne Rice to talk in person, preferably over coffee and beignets at Cafe du Monde, that's probably never going to happen. So instead I searched around online for some bits of advice from the queen of gothic literature and put them together here.
Write something you'd like to read.
Write about something you can't get over.


text:
/*!
** @file SWITCH2.c
** @version 01.03
** @brief
**         The HAL BitIO component provides a low level API for unified
**         access to general purpose digital input/output pins across
**         various device designs.
**
**         RTOS drivers using HAL BitIO API are simpler and more
**         portable to various microprocessors.
*/
/*!
**  @addtogroup SWITCH2_module SWITCH2 module documentation
**  @{
*/

/* MODULE SWITCH2. */

/* {Default RTOS Adapter} No RTOS includes */
#include "SWITCH2.h"

#ifdef __cplusplus
extern "C" {
#endif

typedef struct {
  LDD_TUserData *UserDataPtr;          /* Pointer to user data */
} SWITCH2_TDeviceData;                 /* Device data structure type */

typedef SWITCH2_TDeviceData *SWITCH2_TDeviceDataPtr ; /* Pointer to the device data structure. */

/* {Default RTOS Adapter} Static object used for simulation of dynamic driver memory allocation */
static SWITCH2_TDeviceData DeviceDataPrv__DEFAULT_RTOS_ALLOC;
/*
** ===================================================================
**     Method      :  SWITCH2_Init (component BitIO_LDD)
*/
/*!
**     @brief
**         Initializes the device. Allocates memory for the device data
**         structure, allocates interrupt vectors and sets interrupt
**         priority, sets pin routing, sets timing, etc. If the "Enable
**         in init. code" is set to "yes" value then the device is also
**         enabled(see the description of the Enable() method). In this
**         case the Enable() method is not necessary and needn't to be
**         generated.
**     @param
**         UserDataPtr     - Pointer to the user or
**                           RTOS specific data. This pointer will be
**                           passed as an event or callback parameter.
**     @return
**                         - Pointer to the dynamically allocated private
**                           structure or NULL if there was an error.
*/
/* ===================================================================*/
LDD_TDeviceData* SWITCH2_Init(LDD_TUserData *UserDataPtr)
{
  /* Allocate device structure */
  SWITCH2_TDeviceDataPtr DeviceDataPrv;

  /* {Default RTOS Adapter} Driver memory allocation: Dynamic allocation is simulated by a pointer to the static object */
  DeviceDataPrv = &DeviceDataPrv__DEFAULT_RTOS_ALLOC;
  DeviceDataPrv->UserDataPtr = UserDataPtr; /* Store the RTOS device structure */
  /* Enable device clock gate */
  /* SIM_SCGC5: PORTB=1 */
  SIM_SCGC5 |= SIM_SCGC5_PORTB_MASK;
  /* Configure pin as input */
  /* GPIOB_PDDR: PDD&=~0x00020000 */
  GPIOB_PDDR &= (uint32_t)~(uint32_t)(GPIO_PDDR_PDD(0x00020000));
  /* Initialization of pin routing */
  /* PORTB_PCR17: ISF=0,MUX=1 */
  PORTB_PCR17 = (uint32_t)((PORTB_PCR17 & (uint32_t)~(uint32_t)(
                 PORT_PCR_ISF_MASK |
                 PORT_PCR_MUX(0x06)
                )) | (uint32_t)(
                 PORT_PCR_MUX(0x01)
                ));
  /* Registration of the device structure */
  PE_LDD_RegisterDeviceStructure(PE_LDD_COMPONENT_SWITCH2_ID,DeviceDataPrv);
  return ((LDD_TDeviceData *)DeviceDataPrv);
}
/*
** ===================================================================
**     Method      :  SWITCH2_GetVal (component BitIO_LDD)
*/
/*!
**     @brief
**         Returns the input/output value. If the direction is [input]
**         then the input value of the pin is read and returned. If the
**         direction is [output] then the last written value is read
**         and returned (see <Safe mode> property for limitations).
**         This method cannot be disabled if direction is [input].
**     @param
**         DeviceDataPtr   - Device data structure
**                           pointer returned by <Init> method.
**     @return
**                         - Input or output value. Possible values:
**                           <false> - logical "0" (Low level)
**                           <true> - logical "1" (High level)
*/
/* ===================================================================*/
bool SWITCH2_GetVal(LDD_TDeviceData *DeviceDataPtr)
{
  uint32_t PortData;                   /* Port data masked according to the bit used */

  (void)DeviceDataPtr;                 /* Parameter is not used, suppress unused argument warning */
  PortData = GPIO_PDD_GetPortDataInput(SWITCH2_MODULE_BASE_ADDRESS) & SWITCH2_PORT_MASK;
  return (PortData != 0U) ? (bool)TRUE : (bool)FALSE;
}

/* END SWITCH2. */

#ifdef __cplusplus
}  /* extern "C" */
#endif

/*!
** @}
*/
/*
** ###################################################################
**
**     This file was created by Processor Expert 10.5 [05.21]
**     for the Freescale Kinetis series of microcontrollers.
**
** ###################################################################
*/

redpajama_set_name: RedPajamaGithub


text:
La selección juvenil de rugby de Bermudas es el equipo nacional de rugby regulada por la Bermuda Rugby Football Union.

Reseña histórica

Desde el 2009, participa anualmente del torneo juvenil organizado por el Ente regional de América del Norte y el Caribe, la categoría del certamen es M19.

Palmarés

 RAN M19 (1): 2010

Participación en copas

Campeonato Mundial M20

 No ha clasificado

Trofeo Mundial M20

 No ha clasificado

RAN M19

 Nawira M19 2006: No participó
 Nawira M19 2007: No participó
 Nawira M19 2008: No participó
 Nawira M19 2009: Ganador Bowl
 NACRA M19 2010: Campeón
 NACRA M19 2011: 3° puesto
 NACRA M19 2012: 4° puesto
 NACRA M19 2013: 6° puesto (último)
 NACRA M19 2014: No participó
 NACRA M19 2015: 8° puesto (último)
 RAN M19 2016: 5° puesto
 RAN M19 2017: 4° puesto
 RAN M19 2018: No participó
 RAN M19 2019: 4° puesto
 RAN M19 2022: 4° puesto

Véase también

 Selección de rugby de Bermudas

Referencias

Rugby en Bermudas
Bermudas
Rugby Juvenil


text:
using System.Management.Automation;
using Microsoft.SharePoint.Client;
using SharePointPnP.PowerShell.CmdletHelpAttributes;

namespace SharePointPnP.PowerShell.Commands
{
    [Cmdlet(VerbsCommon.Find, "SPOFile")]
    [CmdletHelp("Finds a file in the virtual file system of the web.",
        Category = CmdletHelpCategory.Webs)]
    [CmdletExample(
        Code = @"PS:> Find-SPOFile -Match *.master",
        Remarks = "Will return all masterpages located in the current web.",
        SortOrder = 1)]
    public class FindFile : SPOWebCmdlet
    {
        [Parameter(Mandatory = true, HelpMessage = "Wildcard query", ValueFromPipeline = true)]
        public string Match = string.Empty;

        protected override void ExecuteCmdlet()
        {
            WriteObject(SelectedWeb.FindFiles(Match));
        }
    }
}


This limit switch is engineered to withstand shock, vibration, washdowns, and outdoor environments. It features direct-acting contacts and a miniature package size to fit in applications with limited space. Use in machine equipment, material handling, aerial lifts, forklifts, off-road vehicles, and outdoor equipment.
Actuator Length - Limit Switch 0.01"
Body Height - Limit Switch 1.73"
Body Width - Limit Switch 1.58"


Calamity Hannah is a musician/singer-songwriter located in Sioux Falls, SD and Norman, OK depending on the time of year. She burst forth from her mother's wombs singing (screaming) as loud as she possibly could, and 20 years later her voice still hasn't stopped. Calamity Hannah typically plays the ukulele and sings at local gigs, but she has also performed on the piano, accordion, and oboe. She plays originals and covers and is trying to raise enough money to record an album comprised of her own music.
A glistening photo of Calamity Hannah's epic beauty and aesthetic.
If you are interested in hiring Calamity Hannah to perform at your event (wedding, funeral, party, etc.) please locate the "contact" tab at the top of the webpage.


text:
Home > Laws > 2016 Florida Statutes > Title III > Chapter 11 > Section 90
Title III LEGISLATIVE BRANCH; COMMISSIONS
Chapter 11 LEGISLATIVE ORGANIZATION, PROCEDURES, AND STAFFING Entire Chapter
Legislative Budget Commission.
F.S. 11.90
11.90 Legislative Budget Commission.—
(1) There is created the Legislative Budget Commission, which is the joint Legislative Budget Commission created in s. 19, Art. III of the State Constitution, composed of seven members of the Senate appointed by the President of the Senate and seven members of the House of Representatives appointed by the Speaker of the House of Representatives. Each member shall serve at the pleasure of the officer who appointed the member. A vacancy on the commission shall be filled in the same manner as the original appointment. From November of each odd-numbered year through October of each even-numbered year, the chairperson of the commission shall be appointed by the President of the Senate and the vice chairperson of the commission shall be appointed by the Speaker of the House of Representatives. From November of each even-numbered year through October of each odd-numbered year, the chairperson of the commission shall be appointed by the Speaker of the House of Representatives and the vice chairperson of the commission shall be appointed by the President of the Senate. The terms of members shall be for 2 years and shall run from the organization of one Legislature to the organization of the next Legislature.
(2) The Legislative Budget Commission shall be governed by joint rules of the Senate and the House of Representatives which shall remain in effect until repealed or amended by concurrent resolution.
(3) The commission shall convene at the call of the President of the Senate and the Speaker of the House of Representatives at least quarterly. A majority of the commission members of each house plus one additional member from either house constitutes a quorum. Action by the commission requires a majority vote of the members present of each house.
(4) The commission may conduct its meetings through teleconferences or other similar means.
(5) The commission shall be staffed by legislative staff members, as assigned by the President of the Senate and the Speaker of the House of Representatives.
(6) The commission shall have the power and duty to:
(a) Review and approve or disapprove budget amendments recommended by the Governor or the Chief Justice of the Supreme Court as provided in chapter 216.
(b) Develop the long-range financial outlook described in s. 19, Art. III of the State Constitution.
(c) Review and approve, disapprove, or amend and approve the budget of the Florida Clerks of Court Operations Corporation.
(d) Review and approve, disapprove, or amend and approve the total combined budgets of the clerks of the court or the budget of any individual clerk of the court for court-related functions. As part of this review, the commission shall consider the workload and expense data submitted pursuant to s. 28.35.
(e) Exercise all other powers and perform any other duties prescribed by the Legislature.
(7) The commission shall review proposed budget amendments associated with information technology that involve more than one agency, that have an outcome that impacts another agency, or that exceed $500,000 in total cost over a 1-year period.
History.—s. 37, ch. 2000-371; ss. 15, 25, ch. 2001-56; s. 1, ch. 2001-66; s. 33, ch. 2001-261; s. 1, ch. 2003-5; s. 1, ch. 2006-119; s. 1, ch. 2009-80; s. 2, ch. 2013-44.


text:
Avaya Holdings Corporation, often shortened to Avaya (), is an American multinational technology company headquartered in Durham, North Carolina, that provides cloud communications and workstream collaboration services. The company's platform includes unified communications (UCaaS), contact center other services. The company provides services to 220,000 customer locations in 190 countries.

History
In 1995, Lucent Technologies was spun off from AT&T, and Lucent subsequently spun off units of its own in an attempt to restructure its struggling operations.[7]

Avaya was then spun off from Lucent as its own company in 2000 (Lucent merged with Alcatel SA in 2006, becoming Alcatel-Lucent, which was purchased in turn by Nokia in 2016). It remained a public company from 2000 to 2007. In October 2007, Avaya was acquired by two private-equity firms, TPG Capital and Silver Lake Partners, for $8.2 billion.

On January 19, 2017, Avaya filed for Chapter 11 bankruptcy.

On December 15, 2017, it once again became a public company, trading under the NYSE stock ticker AVYA.

On February 14, 2023, Avaya once again filed for Chapter 11 bankruptcy.

Management
President & CEO - Alan Masarek
Interim Chief Financial Officer - Becky Roof
Executive Vice President - Shefali Shah
Senior Vice President, Engineering - Todd Zerbe

Acquisitions and partnerships
Since 2001, Avaya has sold and acquired several companies. Through Nortel's bankruptcy proceedings, assets related to their Enterprise Voice and Data business units were auctioned. Avaya placed a $900 million bid, and was announced as the winner of the assets on September 14, 2009. In 1985, Performance Engineering Corporation (later PEC Solutions) was formed to offer technology services to government customers. On June 6, 2005, Nortel acquired PEC Solutions to form Nortel PEC Solutions. On January 18, 2006, Nortel PEC Solutions was renamed Nortel Government Solutions. On December 21, 2009, Avaya acquired Nortel's government business as part of the company's assets sale.

In October 2019, Avaya entered into a strategic partnership with RingCentral and together, introduced a new unified communications as a service solution called Avaya Cloud Office ( "ACO"). RingCentral also contributed $500 million to be the exclusive provider of the new Avaya UCaaS offer.

Locations and customers
Avaya's headquarters are located at 2605 Meridien Parkway, Durham, North Carolina. In 2020, the company had a presence in approximately 190 countries.

The company claims that its cloud services are utilized by over 90% of the Fortune 100 organizations.

Avaya enterprise customers include: Apple, AT&T, Dell, CVS Health, as well as government orginizations.

Avaya sponsors the IAUG users' group and training programs for IT professional certification in the use of Avaya's products.

Avaya provides business related equipment for its customers with Cameras, Collaboration Units, Conference Phones, Headsets, IP Phones, Room Systems, Vantage, and Wireless Handsets. These devices are compatible with various options for the three services provided to its customers as Avaya Cloud Office, Avaya Spaces, and Avaya UCaaS.

Patents
Avaya has over 4,400 patents and patents pending. In January 2021, the company disclosed it had received its 600th patent for Contact Center technologies, which was granted for AI in "chatbot socialization."

Controversy
During the 2022 Russian invasion of Ukraine, Avaya refused to join the international community and withdraw from the Russian market. Research from Yale University updated on April 28, 2022, identifying how companies were reacting to Russia's invasion identified Avaya as one of the "Companies that are scaling back some significant business operations but continuing some others...".

References

External links

Official Canadian partner site

2000 establishments in California
2007 mergers and acquisitions
Alcatel-Lucent
American companies established in 2000
Companies based in Santa Clara, California
Electronics companies established in 2000
Multinational companies headquartered in the United States
Networking companies of the United States
Networking hardware companies
Companies formerly listed on the New York Stock Exchange
Companies traded over-the-counter in the United States
Software companies based in the San Francisco Bay Area
Software companies established in 2000
Technology companies based in the San Francisco Bay Area
Telecommunications companies established in 2000
Telecommunications companies of the United States
Telecommunications equipment vendors
TPG Capital companies
Videotelephony
VoIP companies of the United States
2011 initial public offerings
Companies that filed for Chapter 11 bankruptcy in 2017
Companies that filed for Chapter 11 bankruptcy in 2023
2018 initial public offerings
Software companies of the United States


text:
CNN Is Losing One Of Its Longest-Tenured Reporters To An Incredibly Important Cause
Here's hoping the network is able to adapt to all these changes!
By Ariel Gordon
January 11, 2023 | 7:00 a.m. CST
Vega Gonzalez/shutterstock.com
It's no secret that CNN had a turbulent 2022. Now, one of the network's most senior reporters is stepping down from their position. Is 2023 shaping up to be another disorderly year for CNN? Here's what we know.
CNN Underwent Many Changes In 2022
Last year, CNN got off to a scandalous start after network chief Jeff Zucker resigned from his position. As it turned out, Zucker failed to disclose a years-long affair he was having with a colleague.
While it wasn't a good look, plenty of professionals and businesses have recovered from this kind of dirty laundry. The network pushed forward, launching its streaming service CNN+.
For the endeavor, the network recruited some big names to helm even bigger projects. However, the network made the decision to shut down the service just one month after its launch. This meant that multiple series that were in the works were abruptly axed, leaving many people either out of a job or hunting for a new network to host their project.
RELATED: 'Today Show' Meteorologist Admits Julia Roberts' Parenting Advice Has Really Helped Her Out
In November, the network announced that it had begun layoffs. Of course, that's never a good sign. By the end of 2022, people were reasonably questioning the future of CNN. Now, we're possibly seeing another sign that the network isn't through with this tumultuous period.
CNN Announces Departure Of Senior Reporter
Journalist Suzanne Malveaux joined CNN in 2003 as a correspondent. She rose through the ranks, going on to anchor one of the network's dayside news hours and host the program Around the World.
For a full decade, Malveaux worked as a CNN White House Correspondent. Now, the established journalist has announced her plans to leave CNN. However, it's clear she didn't make the decision lightly.
Now, Malveaux is moving into a new chapter. Per the Hollywood Reporter, the journalist plans to take a step back from her work to spend more time with family. As for her professional life, she does intend to explore new projects. Apparently, she's already in talks to collaborate with Nelson Mandela's great-grandson on a new project.
Malveaux certainly isn't leaving CNN on bad terms after her 20 years on the network. However, it's just another sign that CNN is still going through a period of change.
As 2023 brings this huge development for the network, it certainly makes you wonder how the network will look going into 2024. Here's hoping it adapts to the changing times and finds its footing!
Sarah Michelle Gellar Loves These Pants That Give Her A '70s-Inspired Silhouette
Rolling Stone's 'Best 200 Singers' List Left Off Some Impressive Names–Including An EGOT Winner
TBT: Tupac And Madonna Secretly Dated For Way Longer Than We Thought
Watch, Read, Listen'Today' Show Posted THAT Infamous Clip Of Katie Couric And Bryant Gumbel Learning What The Internet Is And It's Still Just As Funny as Ever
Watch, Read, ListenUnreleased Michael Jackson Outtakes From 'Thriller' Stolen With Laptop, Released On Social Media
Watch, Read, Listen'Jeopardy!' Competitor Brought His High School Grudge Against Ken Jennings To The Game


MatrimonialsIndia.Com has one of the largest databases of Hindu Kalar brides and Hindu Kalar grooms that speak Tamil. You can easily find your life partner from the 1 lakhs Tamil Kalar matrimonial profiles on this online matchmaking site. Majority of the Tamil speaking Kalar boys and girls reside in Thanjavur, Dindigul, Tamil Nadu etc. and are very dynamic and friendly in nature.
There are many Tamil Kalar profiles that have different professions like Engineer, Business / Consultant, Government / Defence. In a typical Hindu Kalar Tamil matrimony, there are a number of sacred rituals and traditions that are followed. These functions and rituals make this Kalar Tamil marriage an affair to remember. You can browse through the Kalar Tamil Brides and Grooms on MatrimonialsIndia.Com to find your perfect match for marriage.


Citation Iwatsuki, Y., F. Tanaka and G.R. Allen, 2015. Lutjanus xanthopinnis, a new species of snapper (Pisces: Lutjanidae) from the Indo-west Pacific, with a redescription of Lutjanus madras (Valenciennes 1831). J. Ocean Sci. Foundation 17:22-42.


Stress is a part of modern-day living, but not all of us are able to deal with it.
We often see with clients using our Stress Management Coaching in the Midlands and across the UK that stress is cumulative, affecting health, wellbeing and more.
At J Twenty One Coaching, we can help you to develop and utilise coping strategies to ensure you are strong, well-prepared and able to manage the stresses of life.


text:
Teachers' union on brink of losing legal status
Published : Oct 20, 2013 - 19:51 Updated : Oct 20, 2013 - 19:51
South Korea's biggest teachers' group is facing the loss of its rights of 14 years as a fully authorized labor union, after it voted against the government's order to strip membership from dismissed teachers.
The labor ministry has given the Korean Teachers and Education Workers Union, or KTU, an ultimatum that it will deregister the union, thus making it unlawful, unless it amends its constitution by Oct. 23 to ban dismissed and retired teachers from being members.
The progressive union, however, announced Saturday that it will not comply with the ministry after the members voted down changing its rule.
Under the current labor law, only employees of a workplace are qualified to become union members. But the KTU's constitution allows 22 dismissed workers to remain members. Last week, the union asked the members to cast votes on whether it should revise its bylaws, which illegally recognize fired educational workers as members.
More than 80 percent or 59,828 members participated in the vote, with 68.5 percent voting against the change of rule and 28 percent voting in favor, the KTU said.
The loss of its legal status as a labor union will bring immediate, adverse effects, observers say.
It would mean that it could no longer engage in legitimate negotiations with schools, nor be eligible to receive financial support and various benefits from the regional education offices.
For instance, the Ministry of Education currently provides the union with 5.2 billion won ($4.9 million) to subsidize rent.
Also, teachers who currently work full-time for the union will have to return to their schools, which may result in an acceleration of members leaving the union, experts say.
Meanwhile, some 6,000 teachers and civic activists gathered in Seoul on Saturday to protest the government's treatment of the union.
The KTU claimed that the government's threat to demobilize the union will actually strengthen their unity.
"After the vote, we are more determined to protest (against the government). I believe no teacher will leave the union even if we lose our status," said Ha Byeong-soo, a spokesman of the KTU.
He noted that the union is now working with other labor unions in Korea and several international organizations, including the International Labor Organization, to protest against the government's decision.
By Oh Kyu-wook (596story@heraldcorp.com)


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August 1, 2014 Posted by Our NWP 40for40 No Comment Yet
My NWP began in 1986 at the invitation of Susan Lytle at the University of Pennsylvania, Graduate School of Education and with the founding of the Philadelphia Writing Project.
As I reflect on Our NWP today, I am filled with gratitude, awe, and renewed commitment to our mission and vision. Thank you, Jim Gray, and all who have taught, nurtured, and inspired me throughout these years. You are amazing.
Opening Plenary, 2013 NWP Annual Meeting:
At this official opening bell of the National Writing Project's 40th anniversary year, I felt compelled to write to you to let you know that the NWP network—joined by our common mission and bonded through yet another round of crises and challenges, is flourishing. In a world and an education landscape that you might have some difficulty recognizing, advancing the importance of writing and the teaching of writing for all learners, is more important than ever. And you would be thrilled to see what the core belief in gathering teachers together—to learn, to write, and to create new knowledge for themselves and the field—has generated. If I started to list all of the wonderful new work, the Plenary would go on far too long, which you would not approve of, I know.
So let me just tell you a few things and then, as you know, Writing Project site directors, teachers, and colleagues will guide the way to deeper learning throughout the day. We started early—so our first sessions already took place. We still continue the practice of squeezing every moment available to create spaces for dialogue and learning. The coffee has improved since those first days of gathering chairs into circles in a ballroom like this (was there even coffee?) which does help these early morning sessions…
There are three things I wanted to share that stem directly from your legacy.
One—Teachers are really smart and have so much to contribute to one another's learning, if only we can get people out of their silos. Thank you and your pioneering colleagues for creating intensive summer institutes for kindergarten through university teachers. Knowing about writing across this spectrum has provided a generative framework for so many, many teachers over the years. While much about the NWP has been validated, exported, and replicated, this core principle is sometimes overlooked. It has generated much new knowledge and has also served us well as we make new arguments for the continuing relevance of writing and the teaching of writing in today's world. We know more collectively because we have learned together.
Two—Writing for a range of audiences and purposes is a simple idea, but profound in its execution. Again, the basic principle that teachers of writing must write themselves prepared us for the leap into the digital age. We are here—still writing and learning—with a whole new range of affordances. It is an amazing new world—and writing is at its core. The joy and opportunities for writing in this new world are immense, as are some of the challenges. For those of us in NWP though, the digital age has provided significant new platforms for our shared work. You can't miss engaging in that learning today, and our social media platforms and statistics show only a fraction of all that is underway.
And finally, I want to thank you and all of our Writing Project colleagues across these forty years, for the "Legacy of Welcome" as Vanessa Brown, my now retired colleague from the Philadelphia Writing Project, named it. The Writing Project invites people to learn, to write, to explore—to hang out, mess around, and geek out—a key word is invite and the tone is of welcome. This may perhaps be one of our most important attributes—hard to capture, to market, to monetize in today's world—but perhaps for this reason, more important than ever.
This summer's work included new institutes, intensive school partnerships, and work with a range of partners from science museums to the maker community. We launched the Educator Innovator initiative, a growing community of partners who share the vision of Connected Learning and have multiple ways to invite young people and their teachers and mentors, to learn, to grow, to create, and to write for what has become a global audience. In our Summer of Making and Connecting, Writing Project leaders invited us to learn together and, as always, to make our learning public. It is easier now to share products generated across the network, to try your hand at making something new, to explore a new genre, to immediately read an essay, a blog, or a digital story created 1,000 miles away. But it is the intentional invitation to do so and the welcome to a community that still is foundational to the active participation of so many across our overlapping communities.
So, WE ARE STILL HERE, Jim, learning and writing together in this new world. Thank you for the invitation you extended to imagine a world where these ideas could grow and generate worlds not yet created.
And yes, we will write more today, too.
Judy Buchanan is currently the Deputy Director of the National Writing Project (NWP) where she draws on previous work as a classroom teacher, Writing Project director, and a life-long passion for learning in collaborative communities of practice.


This Duo combine rich, smooth vocals with sensitive and delicately spacious guitar accompaniments, performing timeless classics in a style that is unique and intimate. This Jazz Duo will delight your guests in Cheshire.
Linda singer/musician has accumulated many years of experiences and performed with some of the worlds top musicians.Her Jazz style was heavily influenced by her working with and guidance of the late Sir John Dankworth. For an intimate event in Cheshire this Jazz Duo could be what you are looking for. She is equally at home performing as a solo entertainer on luxury cruise liners, or touring with stars like Des O' Conner, Jim Davidson, Ken Dodd and the late Sir Harry Secombe also as an invited singer to perform at a party for Prince Charles.
This brilliant vocalist, performs sparkling renditions of songs made famous by Ella Fitzgerald, Frank Sinatra, Nat King Cole etc. Supported by the superb guitar playing of Roy , this is great music performed with consummate skill,affection & good humour. This Jazz Duo will delight your guests in Cheshire. The "feelgood factor"is guaranteed.
This young talented duo consists of acoustic/electric violin and piano. They have performed at venues throughout the country including the Albert Hall and Symphony Hall and have supported famous entertainers such as Barry Manilow and Chris de Burgh. This Jazz Duo is local to the Cheshire area.
The MJ Duo are two professional musicians from the Midlands who have combined their experience and talents to create a duo with a great sound and image. An excellent Jazz Duo for a small wedding or party in Cheshire.
Comprising two experienced musicians playing piano, flute and cool saxophone - plus vocals. For an intimate event in Cheshire this Jazz Duo could be what you are looking for. They will be happy to entertain you with their sophisticated swing and jazz, either as background, or for "Dinner Jazz", as a "Cabaret spot," or for after dinner dancing. They are happy to play in Hotels, Restaurants or a Jazz Club, at a Business conference, Private party, Anniversary, Wedding Reception, or a Jazz Barbecue.
The ML Jazz Duo playing smooth easy listening jazz from "Songs From The Great American Songbook" with warm elegant vocals and mellow guitar can provide an extensive repertoire in a sophisticated style for any size event from weddings and private parties, hotels, restaurants to corporate functions. This Jazz Duo will delight your guests in Cheshire. With a professional approach and commitment to live music, no backing tracks used. Also available as a trio/quartet/quintet.
The duo is small and subtle enough to fit in most situations, yet can make a large sound and visual impact if needed. Their minimal setup means they are portable and can play anywhere. If requested they can even play acoustically and so would require no power at all. This Jazz Duo is local to the Cheshire area.
These musicians offer different formulas to suits all your needs: a duo can comprise guitar and vocalist, two guitars or guitar and piano. An excellent Jazz Duo for a small wedding or party in Cheshire. The repertoire can vary from old time favourites from the great American song book to more up to date pop classics depending on the line up. Note that all this formulas can be specially adapted according to specific situations.
Some of the most notable venues they have performed at include Claridges, Gleneagles, The Royal Festical Hall, Birmingham Symphony Hall and Wembley Stadium. For an intimate event in Cheshire this Jazz Duo could be what you are looking for.
This is a world class smooth jazz duo consisting of James on Saxophone and Dan on Keyboards. Collectively and individually they have worked with the likes of: Andy Abraham, Bad Company, The Foundations, The Drifters, Mark Morrison, Junior, China Black, Kenny Thomas, The ACM Gospel Choir - to name but a few. This Jazz Duo will delight your guests in Cheshire.


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Ultimaker Announces Four New Materials for Professional 3D Printing
Variety of Properties Broaden Offering of Capabilities for Enterprise Market
Ultimaker, the leading open source 3D printer manufacturer, announced today the global offering of four new materials to use for 3D printing using the Ultimaker 2 family of products. Essential for producing the highest level of properties necessary for enterprise-grade outputs, the offerings will expand the breadth and depth of printing options.
There is a growing demand for materials that are specifically optimized for industrial 3D printing. With the introduction of these four new materials, which were previously only available on more expensive platforms, customers are able to manufacture functional prototypes, end-use parts and tools that require high-performance properties like toughness, strength and chemical resistance.
The following new materials offered by Ultimaker are formulated to ensure the highest print quality and cover a wide range of applications:
Ultimaker CPE+ (co-polyester) - CPE+ handles temperatures up to 100 ºC, is chemical resistant, tough and dimensionally stable.
Ultimaker PC (polycarbonate) - PC offers a great print quality, heat resistance up to 110 ºC, mechanical strength and toughness.
Ultimaker Nylon (polyamide) - Nylon is strong, abrasion-resistant, durable and engineered for low moisture sensitivity.
Ultimaker TPU 95A (thermoplastic polyurethane) - TPU features a Shore-A hardness of 95 and an elongation of up to 580% at break. It's suitable for applications that require slight flexibility, wear and tear, and chemical resistance.
As we continue to revolutionize Ultimaker's offerings, both with the physical printer capabilities and printing materials, our enterprise customers remain at the center of our reasoning. The four new materials are just the beginning of enhancements we will introduce throughout the remainder of 2016 and we look forward to moving the 3D printing industry forward with impressive innovations.
To learn more about Ultimaker's new materials available for 3D printing, please visit the material page.


Sports are not a inexpensive hobby. They are not just tough on 1's body but harder on the wallet. If you want some great equipment for your favorite sport, then you will need to either spend up or settle for an inferior brand, right? Incorrect. The Web has made it possible to effortlessly find several fantastic sources for inexpensive sporting goods. There are some fields in particular that appear to have thrived although.
Count all baseball store you have. You may require a big bag to match all your gear. Discover a baseball bag which can accommodate every thing inside it. There are carriers which have compartments within to make sure you know exactly where to safely location respective baseball store. It is crucial that the bag of your choice have within padding. This will shield the necessities inside from harm in case it encounters accidental drops and falls. You may want to consider purchasing elongated-formed bags. You can shop your bat inside without getting to be concerned about breakage.
The second was when I positioned a telephone contact to my mentor, a retired Nationwide League scouting director. His feedback had been introduced up from the dusty memory vaults that lengthy time scouts all seem to have.
Closet space- Don't get is great rule combined-up with somebody who just doesn't share space. This is not the story. your other fifty percent does love you, and wants you to have area also. they know men have to have a place to place their issues also. This is about men intruding in a lady's closet area she Already acquired. Don't begin moving her issues around to make space for that Evinrude motor you received for your boat, or skoot her stuff over to store your baseball equipment stores. If this courageous experiment is tried, you have just done two things: one. You proved to her that her area in the house is not valuable. 2. You also showed her that her things has smaller value than yours. Bad transfer on your component.
In the end, I elected to buy the catchers gear individually. I bought two upper body protectors, both sized differently and by different manufacturers. I have a buddy who owns a shoe shop and I could tell already he would be enlisted to include some padding below the rib perimeter area of one. The mask I bought had a throat protector and a broad body with an open wire grid. I produced sure the ears would be guarded with the new styled wrap now accessible.
Baseball is a enjoyable and exciting sport to watch and an even more thrilling activity to play. If you are interested in the sport of baseball then you will have to buy some baseball equipment. baseball equipment includes bats, balls, gloves and helmets. All this equipment can be discovered at a sports store and it will not price you a fortune. If you favor you can shop on-line for this gear and avail of additional reductions.
Scenario #1.You are strolling down the road and a guy pulls a gun on you. He wants all your money. You give him what he desires, but he still beats the crap out of you. Then he tells you not to report it or he will kill you. You go home and tell the tale that you just lost your wallet and you by no means report it.
For the Individual player there is the heavy obligation players bag which retains every thing you need to play. Pockets can maintain your shoes, gloves, batting gloves, drinking water bottles, and up to five bats! It also comes with a totally free removable 6-pack cooler bag. The size is massive, 36″L x 9″W x 10″H. You can also choose colour in between black, navy, crimson, or royal.
Overall, these bars are fantastic for races or longer riders (50+ miles, hundreds of years or lengthy races). They are extremely comfy and while there are lighter bars, you really can't get a much better bar for the cost point. You really get the best of the Easton Encounter (mild bars, great attain, larger drops and the TaperWall Technology). All of this tends to make the Easton EC 70 Handlebar a great aero and ergonomic bar. Easton is known for their baseball gear, but their carbon aero handlebars truly can't be defeat. They place a great deal of research into it and have perfected the artwork of aero handlebars.


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'use strict';

angular.module('myApp.weatherView')
.controller('WeatherController', ['$scope', 'WeatherService', '$interval', function($scope, WeatherService, $interval) {
    var self = this;
    var interval;
    self.probe;
    self.remaining;
    fetchLast();

    var check = function(){
        var elapsed = new Date() - self.probe.created;
        self.remaining = parseInt(600 - elapsed / 1000);
        if(self.remaining <= 0){
            $interval.cancel(interval);
            fetchLast();
        }
    }

    function fetchLast(){
        WeatherService.fetchLast()
            .then(
            function(d) {
                self.probe = d;
                interval = $interval(check, 1000);
            },
            function(errResponse){
                console.error('Error while fetching Contacts');
            }
        );
    }
    $scope.$on('$destroy', function(){
        $interval.cancel(interval);
    });

}]);


Well that did not go as planned! The original bead pattern, that I carefully drew on graph paper, is a failure. I got 3 rows of done, tried it out on the walking stick and decided " I do not approve. " So… after taking apart the offending beadwork I restarted sans pattern. I'm liking this ,only 4 rows in but I think it is a keeper.
I like the pattern and the colors. I think that a true artist has many "trys" before being satisfied. And if that is a sign of a true artist, I must be one too, because I've taken out SO many patterns so far.
Yep. I do better if I let the pattern develop as I go. Weird, right? Drawing them out never works for me.


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Heikki Alfred Tikkanen, född 3 oktober 1930 i Åbo, död 17 maj 2012 i Esbo, var en finländsk  tidningsman.

Tikkanen anställdes 1954 som politisk redaktör vid Helsingin Sanomat, var 1961–1966 chefredaktör för Ilta-Sanomat och 1966–1976 andre chefredaktör samt 1976–1990 ansvarig chefredaktör vid Helsingin Sanomat, som under denna tid blev Nordens största dagstidning.

Källor

Finländska chefredaktörer
Avlidna 2012
Män
Födda 1930
Personer från Åbo


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Pawfect Pets
For Shearly Pawfect Pets Founder Michelle Carpin, grooming is much more just grooming — it's a form of art, a mission that includes education and gaining an animal's trust.
The full-service grooming business on South Michael Street in St. Marys began with a soft opening in August 2017, Carpin said.
Carpin, who lives in Weedville and has been grooming for 12 years, has two dogs of her own, Bentley and Penny.
Originally, Carpin said she wanted to go to school for horse training, and considered attending veterinary school. She also worked at The Dog House in Reynoldsville, learning much of what she knows from Founder and longtime groomer Kathie Simcox. Carpin also has experience in at-home mobile services for dogs, such as basic nail trimmings and clean ups.
There are many things Carpin enjoys about the business, including helping pet owners notice possible underlying issues. SPP refers many dogs to the vet, she said, which is part of the reason she got into grooming.
A big part of the mission is also education. People may not know common information, such as it can be damaging to shave a dog's plush/double coat and irregulate their body temperature, Carpin added.
"I love making dogs more comfortable, and sending a finished product out the door," she said.
Carpin also uses holistic-health products, with all grooming products being natural. With a background in nutrition, she has many "dog food conversations" with pet owners.
Grooming is also a mental and emotional business for Carpin – she gives dogs who have been "blacklisted" by other groomers a chance.
"A lot of groomers don't have the patience or experience (it takes) working with difficult dogs," she said.
These dogs who tend to have issues are often just misunderstood, Carpin says, and take longer to trust the groomer and decrease the dog's anxiety.
It's also best to start bringing a dog as a puppy, Carpin says, getting them used to routinely visiting the groomer at a young age. Soon enough, the dog and the groomer become friends.
Grooming also means knowing a dog's boundaries and reinforcing good behavior, Carpin said. She recalls not being able to touch some dogs with a comb, and now they are excited and happy to visit the shop.
Carpin's two full-time employees, Taylor Ehrensberger and Alexis Lowe, are training to be groomers — one currently bathes and blow dries the dogs, and one blow dries and brushes, she said.
"When you're grooming, you have to have an eye for art," she said, adding it takes skill to work with the skeletal structure of the dog and sculpting the different types of coats.
SPP also offers cat grooming, which many groomers do not, she added.
The shop was closed for nine weeks due to COVID-19, Carpin said. SPP is offering curbside services, too, which includes pet owners being able to pull up to the back door, as long as the dog isn't a "runner" or fear-aggressive.
Carpin says she loves having her business downtown, buying products from other businesses and supporting one another. Her goals include expanding the shop's retail section.


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BANK AIMS TO UP ITS RETURN ON MONMOUTH
A subsidiary of Amboy Bank is seeking approval for an all-residential project at the corner of Monmouth and West streets, below. (Click to enlarge)
On the agenda for a special meeting of the Red Bank zoning board tonight: yet another plan for a major development on the site of a former filling station on Monmouth Street.
Yep, that same place at the southeast corner of West Street that was the subject of not one but two prior approvals in the past seven years, neither of which resulted in so much as a shovel going into the ground.
Amboy Bank, which now owns the property, wants to build townhouse-style apartments there under the name Courtyards at Monmouth. So why not just dust off the approval won by Rumson's George Coffenberg, who relinquished the project to the bank shortly after getting his approval for a project, also dubbed called Courtyards at Monmouth, in early 2008?
Because in the interim, Red Bank's governing body changed the zoning laws and included the property in a so-called "train station overlay" zone that allows for buildings up to 50 feet tall and densities of up to 35 dwelling units per acre, up from the prior limit of 25.
Coffenberg's plan, approved by the planning board, called for 20 luxury apartments over streetfront stores on the lot, which also includes two large vacant homes and a small cinderblock building.
The bank, by contrast, is going for 57 units in four-story buildings without any office or retail space — elements that local officials and business interests have repeatedly said is vital if the Monmouth Street corridor is to function as a conduit to connect the downtown and station area, thus revitalizing the stretch between Maple Avenue and the depot.
"Residential on the first level tends to put up a pedestrian barrier" in that it doesn't invite visitors to continue walking down the street the way shops do, says Red Bank RiverCenter executive director Nancy Adams. "We prefer retail, because it tends to be a more active use."
Still, RiverCenter, an independent agency charged with promoting business downtown and on the West Side, will speak in favor of the plan tonight, she says.
"It looks nice. I'll say that," says Stephen Raciti, an architect who heads RiverCenter's Visual Improvement Committee, which advises the planning and zoning board on storefront aesthetics.
Bank officials did not respond to a request by redbankgreen for comment. But a source familiar with the bank's aims says that, "with all the vacancies in Red Bank the bank felt the retail component didn't make sense."
The plan needs a density variance because part of the property is outside the overlay zone.
The borough's Environmental Committee has weighed in with a finding that the proposal shows "too little open space, not enough setback" from the street.
In 2003, a company called Building and Land Technology won approval to develop 24 condos at the site. But that OK was challenged in court over procedural issues. Eventually, BLT won its case, but abandoned the plans.
Here's he agenda, with details of the variances being sought: 4-29-10zoningboardofadjustment
And here's the train station overlay zone ordinance: 2009-39
Posted on April 29, 2010 at 6:57 am, filed under Government, Housing, Land Use & Zoning, Parking, Real Estate, Retailing and tagged amboy bank, BLT, courtyards at monmouth, lawsuit, monmouth st., red bank nj, townhouses, train station overlay. Bookmark the permalink. Follow any comments here with the RSS feed for this post. Trackbacks are closed, but you can post a comment. Email this story.
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Union Power Minister Piyush Goyal said that the financial impact of the UDAY bonds on the Centre is 'zero'. But the fact is that several state-owned banks are taking a big haircut immediately.
Union Power Minister Piyush Goyal told Mint newspaper that the financial impact of the UDAY bonds on the Centre is 'zero'. But the fact is that several state-owned banks are taking a big haircut immediately. The loss in net interest income, if one assumes Rs three lakh crore of loans will be converted, could be close to Rs 8,000 crore, annually—the average lending rate is 12% while the coupon on the bonds is 8.5%– and that's a conservative estimate. Assuming the tenure of the loans is even ten years, that's a hit of nearly Rs 80,000 crore. Given the government owns a majority stake in these lenders and is hard pressed to even infuse Rs 25,000 crore of capital, can this be called a zero impact?
The minister is overstating the case by passing off a mere re-arrangement of finances—and that too at unfavourable terms to one party—as reform. All that has happened is that the banks have been presented with a fait accomli to accept a conversion of their loans into bonds. The alternative would have been lose the money altogether. The unfortunate truth is that when lenders are owed large sums–the total outstandings of discoms is over Rs four lakh crore—and their owners are not willing to bat for them they have little choice but to accept the terms of the borrower or live with a default. That they have no say in the coupon rate—only 8.4% for the Rajasthan bonds irrespective of the tenor—is in itself shocking.
It is true that since the bonds will be issued by state governments they carry a lower risk and to that extent some capital will be freed up. But the bonds yield less than those of sovereign bonds when in fact it should be the reverse because these bonds will not qualify for SLR status. Without an SLR tag money market players like mutual funds or insurance companies will not touch them. The Reserve Bank of India (RBI) may have allowed banks to hold these to maturity shielding them from mark to market losses. But would be little consolation to banks who want these off their books as soon as possible especially since there is a moratorium on principle payments.
The question is why state governments —who the minister calles the architects of the scheme—could not have been asked to take a haircut? After all they have proved to be inefficient—–accumulated losses of discoms at the end of FY14 were Rs three lakh crore with Rajasthan topping the list with Rs 80,000 crore and Uttar Pradesh following with Rs 70,700 crore. The average ATC losses are 22%, across the country, while for Uttar Pradesh these are 32.36%. The states also behaved irresponsibly by not raising tariffs or not funding losses from their own budgets but intead piling on the loans from the banks. So why could banks not have been repaid some share of their dues—at least 15 to 20%? The states should have been asked to pay off some part of their dues and subsequently issue bonds if they needed to. That way the coupon on the bonds would have been benchmarked to the market not rigged the way they have been. This is no reform.


I'm Dave and not only new to S2000 but also my first forum. Love my new toy but have some questions.
Live West suburbs of Chicago. While I like my local Honda dealer not sure I want my S2000 there.
When I break it out in spring I'm looking for suggestions on where to service with S2000 specialist.


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