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Q: Docker Compose Mysql cannot detect init.sql java.sql.SQLSyntaxErrorException: Access denied for user I have a problem about running some services regarding Spring Cloud including in mysql in docker.
I have init.sql file to create databases and give permission to user.
Here is init.sql file shown below.
CREATE DATABASE IF NOT EXISTS `springbootadvertisement`;
CREATE DATABASE IF NOT EXISTS `springbootreport`;
CREATE DATABASE IF NOT EXISTS `springbootuser`;

GRANT ALL PRIVILEGES ON `springbootadvertisement`.* TO 'springmicroserviceuser'@'%' WITH GRANT OPTION;
GRANT ALL PRIVILEGES ON `springbootreport`.* TO 'springmicroserviceuser'@'%' WITH GRANT OPTION;
GRANT ALL PRIVILEGES ON `springbootuser`.* TO 'springmicroserviceuser'@'%' WITH GRANT OPTION;

Here is my mysql code snippets of docker-compose.yml
database:
    container_name: mysql-database
    image: 'mysql:latest'
    ports:
      - "3366:3306"
    restart: always
    environment:
      #MYSQL_DATABASE: "springbootuser"
      MYSQL_USER: "springmicroserviceuser"
      MYSQL_PASSWORD: "111111"
      MYSQL_ROOT_PASSWORD: "111111"
    volumes:
      - db-data:/var/lib/mysql
      - ./init/init.sql:/docker-entrypoint-initdb.d/init.sql
    networks:
      - backend
    healthcheck:
      test: ["CMD", "mysqladmin" ,"ping", "-h", "localhost"]
      timeout: 20s
      retries: 10

When I try to run related service, I get this issue shown below.
User Service
java.sql.SQLSyntaxErrorException: Access denied for user 'springmicroserviceuser'@'%' to database 'springbootuser'

Advertisement Service
java.sql.SQLSyntaxErrorException: Access denied for user 'springmicroserviceuser'@'%' to database 'springbootadvertisement'

Report Service
java.sql.SQLSyntaxErrorException: Access denied for user 'springmicroserviceuser'@'%' to database 'springbootreport'

How can I fix it?
Here is my project file : Link

redpajama_set_name: RedPajamaStackExchange


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redpajama_set_name: RedPajamaCommonCrawl


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Branchial Cleft Malformations is a topic covered in the 5-Minute Pediatric Consult.
Phylogenetically, the branchial apparatus represents the "gills" seen in fish and amphibians.
The fetal branchial apparatus is a foregut derivative and develops in the 2nd fetal week.
Five paired pharyngeal arches are separated by four endodermal pouches internally and four ectodermal clefts externally.
Overgrowth of the second through fourth cleft creates the cervical sinus and occurs during weeks 4 and 5.
Persistence of the cervical sinus produces a spectrum of cysts, sinus tracts, and fistulae.
Overwhelming majority of cysts in newborns and infants are developmental, whereas in children and adults, they are inflammatory or neoplastic.
Branchial cleft cysts are the most common congenital neck lesion. Although congenital, usually present in older children and adults.
Branchial fistula and sinuses are common in children, but cysts are more commonly seen in adults.
Midline malformations are most often thyroglossal duct cysts or dermoids.
Cysts occurring in the laterocervical region are usually branchial cleft malformations; the most common of these are derivatives of the second cleft, followed by those of the first cleft, of the fourth pouch and thymic cysts.
Third and fourth branchial cleft anomalies are rare, with most presenting as sinus tracts rather than cysts.
Suspect congenital anomaly in the clinical setting of recurrent infection.
Cabana, Michael D., editor. "Branchial Cleft Malformations." 5-Minute Pediatric Consult, 8th ed., Wolters Kluwer, 2019. Pediatrics Central, peds.unboundmedicine.com/pedscentral/view/5-Minute-Pediatric-Consult/617070/all/Branchial_Cleft_Malformations.
Branchial Cleft Malformations. In: Cabana MD, ed. 5-Minute Pediatric Consult. 8th ed. Wolters Kluwer; 2019. https://peds.unboundmedicine.com/pedscentral/view/5-Minute-Pediatric-Consult/617070/all/Branchial_Cleft_Malformations. Accessed April 25, 2019.
Branchial Cleft Malformations [Internet]. In: Cabana MD, editors. 5-Minute Pediatric Consult. Wolters Kluwer; 2019. [cited 2019 April 25]. Available from: https://peds.unboundmedicine.com/pedscentral/view/5-Minute-Pediatric-Consult/617070/all/Branchial_Cleft_Malformations.


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You are at:Home»TV»'Banshee' Season Three January Episode Guide
'Banshee' Season Three January Episode Guide
By Rebecca Murray on December 19, 2014 TV, TV Show Recaps
Antony Starr in 'Banshee' season 3, episode 1. (Photo by Gregory Shummon / Courtesy of Cinemax)
Banshee kicks off a 10 episode season three on Cinemax on Friday, January 9, 2015 at 10pm ET/PT with Antony Starr, Ivana Milicevic, Ulrich Thomsen, Frankie Faison, and Hoon Lee back in starring roles. Cast members returning for a third season also include Rus Blackwell, Matt Servitto, Trieste Kelly Dunn, Ryann Shane, Lili Simmons, Odette Annable, and Geno Segers. Joining the cast as regulars this upcoming season are Langley Kirkwood and Afton Williamson. Denis O'Hare, Chaske Spencer, Tom Pelphrey, and Meaghan Rath will have guest starring roles in season three.
The series was created by Jonathan Tropper and Peter Macdissi and is executive produced by Tropper, Macdissi, Alan Ball, and Greg Yaitanes.
Banshee Season 3 January 2015 Episodes:
Episode #21: "The Fire Trials"
Debut: FRIDAY, JAN. 9 (10:00-11:00 p.m. ET/PT)
Other CINEMAX playdates: Jan. 9 (11:00 p.m., midnight, 2:20 a.m.), 10 (9:00 p.m., midnight) 11 (5:00 p.m.), 12 (8:00 p.m., 11:00 p.m.) and 14 (9:00 p.m., 1:25 a.m.)
Lucas (Antony Starr), Brock (Matt Servitto) and Siobhan (Trieste Kelly Dunn) exact payback on a skinhead responsible for Emmett's death. Now waitressing at a local diner, Carrie (Ivana Milicevic) faces new challenges in the wake of her revelation to Gordon (Rus Blackwell) and Deva (Ryann Shane) about her past. After Alex Longshadow's death, a new, menacing threat looms on the horizon for Lucas, not to mention Proctor (Ulrich Thomsen) and Rebecca (Lili Simmons): Chayton Littlestone (Geno Segers), hell-bent on whipping the Kinaho tribe into a frenzy of violence against their enemies. Investigating the murder of four Marines, Lucas eyes the possibility of a huge, if dangerous, heist, and attempts to reenlist Job (Hoon Lee) to help him and Sugar (Frankie Faison) pull it off.
Written by Jonathan Tropper; directed by Loni Peristere.
Episode #22: "Snakes and Whatnot"
Debut: FRIDAY, JAN. 16 (10:00-11:00 p.m.)
Other CINEMAX playdates: Jan. 16 (11:00 p.m., midnight), 17 (9:00 p.m., 12:05 a.m.) 18 (3:40 p.m.), 19 (8:00 p.m., 12:30 a.m.) and 21 (9:00 p.m., 1:30 a.m.)
As Lucas and Carrie case the tunnels under Camp Genoa, Proctor and Rebecca find themselves in a territorial faceoff with two rival drug suppliers and, later, are threatened by a pair of Chayton's thugs. Lucas and new deputy Billy Raven (Chaske Spencer) pay a visit to a decidedly unfriendly Kinaho bar. Carrie tries to end a relationship with Col. Douglas Stowe (Langley Kirkwood), who may be misrepresenting the amount of cash in Camp Genoa. Gordon hits rock bottom before resolving to turn his life around.
Written by Halley Gross; directed by Loni Peristere.
Episode #23: "A Fixer of Sorts"
Other playdates: Jan. 23 (11:00 p.m., midnight), 24 (9:00 p.m., 12:05 p.m.), 25 (5:10 p.m.), 26 (8:00 p.m., 12:45 a.m.) and 28 (9:00 p.m., 1:10 a.m.)
Lucas' secret is threatened when he's arrested by FBI Special Agent Robert Phillips (Denis O'Hare), but both men end up at the mercy of Raymond Brantley (Shuler Hensley), a mob kingpin with a deadly mobile agenda. Against Chayton's orders, Tommy Littlestone (Ricky Russert) spearheads a second strike against Proctor at a local gentlemen's club. A revenge-minded Nola Longshadow (Odette Annable) mixes it up with Burton (Matthew Rauch) at Proctor's mansion.
Written by Justin Britt-Gibson; directed by Magnus Martens.
Episode #24: "Real Life Is the Nightmare"
Other CINEMAX playdates: Jan. 30 (11:00 p.m., midnight), 31 (9:00 p.m., 11:30 p.m.), and Feb. 1 (3:45 p.m.), 2 (8:00 p.m., 12:50 a.m.) and 4 (9:00 p.m., 12:45 a.m.)
Siobhan is torn between exposing Lucas and keeping his secret. Brock seethes upon learning that his ex, Emily (Tanya Clarke), is working as a caregiver for Proctor's mom. Rebecca impresses Burton but inflames Chayton. Job and Sugar mop up critical surveillance. Carrie takes off on a thrill ride after walking out on her job. Gordon changes his mind about Proctor's plea bargain. Chayton readies his army for an assault.
-By Rebecca Murray
antony starr banshee cinemax frankie faison Ivana Milicevic ulrich thomsen
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Thread: Looking for firms providing Vermont roofing slate..!!
My new home is under construction. Apart from roofing almost all others are over. I want durable and unfading roofing. As I heard Vermont roofing slate offers high-quality roofs on homes at affordable cost, I would like to lay Vermont slates on my roof. We are planning to conduct house warming by next month. So I wanted to install it immediately. I was searching for a good agency of roofing distributors. I have gone through the web and read various reviews regarding several agencies. As you know, we can't completely trust the site reviews. So I'm here to seek your suggestions. If anyone could recommend a firm providing Vermont's roofing slate, it would be really helpful for me. If anyone here had any experience on installing Vermont slates, please share your experiences too. So that I can clear my confusions.


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Chris Cornell 11.12.12 Bowery Ballroom NYC
Photos by Kate Meyer
New York City — Chris Cornell played a very special solo gig at the Bowery Ballroom on November 12th to benefit victims of Hurricane Sandy. In an epic twenty-eight song set, Cornell treated fans to tunes from all over his career. Covers by Barrett, Bowie, and The Beatles made the cut, and even Cornell's Soundgarden band-mates joined their front-man for a portion of the show. Kate Meyer reporting from Delancey St…
chriscornell.com/
TheWaster.com | NYC


Quiz: How Much Do You Know About Gunfighters of the Wild West?
How Much Do You Know About Gunfighters of the Wild West?
The Old West wasn't the violent bloodbath that Hollywood movies would have you believe. Law enforcement was sparse, though, meaning that many men and women armed themselves for self-protection. Once in a while, simmering feuds boiled over into fights that could only be settled with gunpowder, and lawmen stepped into the fray in hopes of keeping anarchy and mob rule at bay. What do you know about the gunfighters of the Wild West in this quiz?
It's almost impossible to mention gunfighters without mentioning the Gunfight at the O.K. Corral, a fight so famous that it gets capital letters in the same format as a battle or a war. There, four (sort of) law-abiding men confronted a group of outlaw cowboys … and that half a minute of gunfire still echoes around the world's popular culture. Do you know the men who shot each other up that fateful day?
Unlike the movies, men who lived by the gun did — quite literally — die by the gun, too. For every killing of vengeance, or even justice, it seems that there was always another bullet to balance the scales. Do you know how the most famous lawmen and outlaws met their ends?
From the tragedy of Morgan Earp to the treachery of Robert Ford and the supposed heroics of Jesse James, guns and their bloody consequences created legends and lore unique to American (and world) history. Take our famous gunfighter quiz now!
Butch Cassidy was an outlaw and the head of which gang?
Doc Holliday was a famous gunfighter and _____.
Billy the Kid was part of which outlaw gang?
After the Gunfight at the O.K. Corral, what happened to the four lawmen who shot the outlaws?
They were elected to high office.
They were charged with murder.
Jesse James was a Wild West outlaw who gained infamy for which crime?
Outlaw Billy the Kid killed many of his victims with which sort of weapon?
In 1869, what act did Jesse James execute during the robbery of a bank in Gallatin, Missouri?
What was Billy the Kid's real first name?
Butch Cassidy and The Sundance Kid fled America and were supposedly killed in a shootout in which area?
In 1871, John Wesley Hardin was arrested for killing which person?
Jim Miller was a deadly gunman in the Old West. What lifestyle habit made him a bit unusual?
He always went to church.
He ate the bodies of his victims.
Wyatt Earp was famous gunman and also renowned for his ____ habit.
How did the outlaw Jesse James die?
Pat Garrett was a lawman best known for putting down which outlaw?
Harry Longabaugh was better known by which name?
"Black Jack" was a cowboy who turned into a train robber, and his life ended in which manner?
In 1899, Pearl Hart gained notoriety as an outlaw when she helped rob a stagecoach using a ______.
Who was the famous gunfighter who led the lawmen at the Gunfight at the O.K. Corral?
What was Billy the Kid's first alias?
In retribution for the Gunfight at the O.K. Corral, outlaws ambushed Virgil Earp. What happened to him?
He was maimed by gunfire.
James Butler Hickok was better known as _____.
"Deacon" Jim Miller was a vicious and deadly gunman. How did he die?
An Indian warrior scalped him.
What was William Cody's nickname?
Jim Miller may have been the bloodiest outlaw of the Old West. He may have shot and killed how many people?
Frank Loving was a gunman who had which memorable nickname?
In 1877, gunman John Wesley Hardin was sentenced to prison for which crime?
In 1889, Butch Cassidy robbed a bank in Telluride, Colorado, taking roughly $20,000 in cash. That money would be about how much today?
Burt Alvord was a gunfighter outlaw. Before he turned to a life of crime, he was _____.
Jim Courtright was a lawman in Fort Worth, Texas. What physical trait made him notable?
True or false, was Wyatt Earp always a law-abiding man?


And it should look familiar.
As soon as Facebook announced it was spinning its Messenger chat app into a standalone platform with its own apps, it was only a matter of time before someone built a game for it. The countdown clock reached zero this week when developer Clay released Doodle Draw, the first game for Facebook Messenger—available for Android and iOS.
For dedicated mobile gamers, the concept will be familiar. Essentially a derivative of the hit Draw Something (now essentially dead and without an update in two years), Doodle Draw cribs on the game that cribbed on Pictionary by prompting users with a topic or item to draw. The player's digital doodle is sent to a friend, who then has to guess what the picture is. Correct guesses earn in-game currency for players, which can then be used to purchase more colors.
Mobile games have a rich history of knocking off other popular games that came before, often repurposing popular Web-based flash games for phones and tablets. Angry Birds is often cited for repackaging popular Web title Crush the Castle, for example.
But Doodle Draw has turned the tables. The primarily Web-based developer snagged the concept of Draw Something, which had been laying dormant, and applied it to the new Messenger platform. "For us it was a bit different because we've always built games for the Web," Hallock said of making the game for Messenger, "but still easy enough." Those who don't want to play the game via Facebook's chat app can play Clay's Web-hosted version instead.
Even with a cynical viewing of Doodle Draw, which may peg it as little more than a ripoff, it's hard not to see the potential the game is tapping into. The direct connection between people makes it easy to strike up a game. Rather than opening a standalone app, connecting with friends, and awaiting replies, the action is built right in to conversation.
Hallock sees a chance for Facebook Messenger to go the way of WeChat, a massively popular messaging service based in China. "WeChat accounts for 40, 50 percent of game revenue in China, and four of the top five apps are WeChat games," Hallock said.
Being the first to test the waters comes with some issues, of course. Hallock said there have been some bugs along the way, and a feature has already been removed: Initially users could gain extra coins by inviting friends to play. "People were worried this would lead to spam invites, so we removed it. We're trying to create a fun experience, and if people think it's spammy, it's not fun," he said.
Historically, games bound to Facebook have been a source of irritation for users. Constant invites, sent to entire friends lists, make popular games an ongoing eyesore for people who don't play. Messenger doesn't allow for blanket invitations, and if other developers are as sensitive to potential spam concerns as Clay, the platform may just sidestep the traditional pitfalls of Facebook games.


An authority in stochastic processes, risk analysis and the application of 3D computer models to construction management, Col. F.H. "Bud" Griffis brings more than 45 years experience to Dawson & Associates.
Many of New York's most challenging construction projects, including the Ground Zero reconstruction and construction management for the Gowanus Expressway reconstruction, have looked to Bud for his expertise.
Prior to that, for 26 years, he served in the U.S. Army Corps of Engineers. His experience includes four years as Program Manager for the Corps of Engineers Dredged Material Research Program. He was also one of the founding members of the Corps of Engineers' first environmental laboratories at the Waterways Experiment Station in Vicksburg, Mississippi.
Since 2007, he has been heavily involved in research in second generation Magnetic Levitation Vehicles.


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Antispasmodic Drugs | definition of Antispasmodic Drugs by Medical dictionary
https://medical-dictionary.thefreedictionary.com/Antispasmodic+Drugs
Antispasmodic Drugs
Antispasmodic drugs relieve cramps or spasms of the stomach, intestines, and bladder.
Antispasmodic drugs have been used to treat stomach cramps. Traditionally, they were used to treat stomach ulcers, but for this purpose they have largely been replaced by the acid inhibiting compoundsa, the H-2 receptor blockers such as cimetidine and ranitidine and the proton pump inhibtors such as omeprazole, lansoprazole and rabetazole.
Most of the drugs used for this purpose as "anticholinergics", since they counteract the effects of the neurohormone acetylcholine. Some of these drugs are derived from the plant belladonna, also known as Deadly Nightshade. There is also a group of drugs with similar activity, but not taken from plant sources. The anticholingergics decrease both the movements of the stomach and intestine, and also the secretions of stomach acid and digestive enzymes. They may be used for other purposes including treatment of Parkinson's Disease, and bladder urgency. Because these drugs inhibit secretions, they cause dry mouth and dry eyes because of reduced salivation and tearing. Dicyclomine is an antispasmodic with very lettle effect on secretions. It is used to treat irritable bowel syndrome.
Dicyclomine is available only with a prescription and is sold as capsules, tablets (regular and extended-release forms), and syrup.
The usual dosage for adults is 20 mg, four times a day. However, the physician may recommend starting at a lower dosage and gradually increasing the dose to reduce the chance of unwanted side effects.
The dosage for children depends on the child's age. Check with the child's physician for the correct dosage.
Dicyclomine makes some people sweat less, which allows the body to overheat and may lead to heat prostration (fever and heat stroke). Anyone taking this drug should try to avoid extreme heat. If that is not possible, check with the physician who prescribed the drug. If heat prostration occurs, stop taking the medicine and call a physician immediately.
This medicine can cause drowsiness and blurred or double vision. People who take this drug should not drive, use machines, or do anything else that might be dangerous until they have found out how the medicine affects them.
Dicyclomine should not be given to infants or children unless the physician decides the use of this drug is necessary. Diclyclomine should not be used by women who are breast feeding. Women who are pregnant or plan to become pregnant should check with their physicians before using this drug.
Heat stroke — A serious condition that results from exposure to extreme heat. The body loses its ability to cool itself. Severe headache, high fever, and hot, dry skin may result. In severe cases, a person with heat stroke may collapse or go into a coma.
Hiatal hernia — A condition in which part of the stomach protrudes through the diaphragm.
Hyperthyroidism — Secretion of excess thyroid hormones by the thyroid gland.
Inflammation — Pain, redness, swelling, and heat that usually develop in response to injury or illness.
Myasthenia gravis — A condition in which certain muscles weaken and may become paralyzed.
Reflux esophagitis — Inflammation of the lower esophagus caused by the backflow of stomach contents.
Spasm — Sudden, involuntary tensing of a muscle or a group of muscles
Ulcerative colitis — Long-lasting and repeated inflammation of the colon with the development of sores.
Anyone with the following medical conditions should not take dicyclomine unless directed to do so by a physician:
Previous sensitivity or allergic reaction to dicyclomine
Blockage of the urinary tract, stomach, or intestines
Severe ulcerative colitis
Reflux esophagitis.
In addition, patients with these conditions should check with their physicians before using dicyclomine:
Enlarged prostate gland
Autonomic neuropathy (a nerve disorder)
Hyperthyroidism.
The most common side effects are dizziness, drowsiness, lightheadedness, nausea, nervousness, blurred vision, dry mouth, and weakness. Other side effects may occur. Anyone who has unusual symptoms after taking dicyclomine should get in touch with his or her physician.
Dicyclomine may interact with other medicines. When this happens, the effects of one or both of the drugs may change or the risk of side effects may be greater. Among the drugs that may interact with Dicyclomine are:
Antacids such as Maalox
Antihistamines such as clemastine fumarate (Tavist)
Bronchodilators (airway opening drugs) such as albuterol (Proventil, Ventolin)
Corticosteroids such as prednisone (Deltasone)
Monoamine oxidase inhibitors (MAO inhibitors) such as phenelzine (Nardil) and tranylcypromine (Parnate)
Tranquilizers such as diazepam (Valium) and alprazolam (Xanax).
The list above does not include every drug that may interact with dicyclomine. Be sure to check with a physician or pharmacist before combining dicyclomine with any other prescription or nonprescription (over-the-counter) medicine.
Antispasmodic Drugs
cystitis colli
hemorrhagic cystitis
Pro-Banthine
propantheline
radiation cystitis
radiocystitis
reflux esophagitis
trachelocystitis
While the causes of the disorder are unknown, standard treatments include antispasmodic drugs, laxatives and medicines that relieve diarrhoea.
Talking therapy better than drugs for irritable bowel syndrome, study shows; The common gut condition affects up to 20% of people
While patients are currently offered antispasmodic drugs, laxatives and medicines that relieve diarrhoea, the new study suggests that psychological therapy may be more helpful.
IBS is a 'psychological' condition best treated with therapy, study claims; Researches from the University of Southampton have found that psychological therapy is better at relieving IBS symptoms than drugs
Vibcare Pharma offers a complete range of medicinal tablets, from anti-allergic, anti-cold and anti-inflammatory drugs to anti-ulcer, antibacterial, antibiotic, antihistamine and antispasmodic drugs. The PCD pharma franchise provider also supplies arthritic, cardiovascular, osteoarthritis and pain relief drugs in tablet form.
Vibcare Pharma Pvt. Ltd. Producing and Marketing Affordable Generic Pharmaceutical Drugs
Hence the adoption of analgesia protocol of combining analgesic and antispasmodic drugs in smaller optional synergistic doses proved to be an asset in providing substantial pain relief.
A programmed labour--protocol
The most popular medications are painkillers, anti-inflammatory drugs, antispasmodic drugs and over-the-counter cold and cough medications.
Every second Kazakh relies on self-treatment, health authorities say
Antispasmodic drugs will relax the intestine and relieve abdominal pain.
Diverticulitis and diverticulosis
Laxatives can relieve constipation associated with IBS and antispasmodic drugs can reduce the effects of cramping and bloating, making symptoms more comfortable to deal with - see your GP about these.
ASKTHEEXPERTS
Laxatives can relieve the constipation that is often associated with IBS and antispasmodic drugs can reduce the effects of cramping and bloating, making symptoms more comfortable to deal with - see your GP about these.
HEALTH OUR expert; Clinical director of the Independent General Practice answers your
Alternatively, antispasmodic drugs and stimulants may be used, which help the stomach to empty more quickly.
Dr Gareth: BURNING THAT FEELS LIKE A HEART ATTACK; CASEBOOK: A-Z Today: Heartburn
Antispasmodic drugs help some patients, but response is variable.
Health: Learning to live with IBS; Irritable bowel syndrome now affects around one in three people in this country, although experts are still unsure exactly what causes it. Andrew Davies finds out how one young woman has coped with the illness that first struck when she was just 16
Some doctors prescribe antispasmodic drugs or tranquilizers, which may relieve symptoms.
IBS is usually treated with antispasmodic drugs or bulking agents which help to pass material through the intestine.
Health: Millions suffer from illness with no cure
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antisocial personality (disorder)
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antispin parachute
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Broadsword Magazine - We Did It!
Monthly Fifth Edition adventures in old school printed magazine format (available in PDF, too!)
PRE-ORDER A COPY TODAY
David Hamrick
Broadsword Magazine
Norman, OK Tabletop Games
From popular internet game master and game designer, Dave Hamrick and cartographer and painter extraordinaire, Justin David Russell (Epic Werkes Studio) comes BroadSword Magazine, a throwback to the old RPG magazines of the '80s and '90s.
Over 60,000 words of Fifth-Edition compatible EVERY. SINGLE. MONTH. In fact...
It's not a "magazine"... it's a monthly expansion BOOK!
If you never experience the old RPG mags, they were more than just a collection of articles. The old magazines were expansion sets and rules supplements and they were PACKED with content.
Each issue is like getting a NEW jam-packed full-sized Fifth Edition supplement in the mail.
Full-length adventures. Never run out of campaign material with playtested, full-length adventures for all levels.
Sub-classes. Add variety to your game with brand new sub-classes for all class levels.
Monsters. Need more challenges? Look no further than brand new monsters with full stats and ecological notes.
Spells, Magic Items, Rules Supplement and more! There's so much content that all of it could exist in a book by itself.
Digital mockup of what the first issue will look like.
Each dynamic issue of BroadSword Magazine includes four NEW and ORIGINAL Fifth-Edition compatible adventures, plus new monsters, races, subclasses, magic items, and more every month in both print and digital PDF formats.
Broadsword operates under the Fifth Edition Open License Agreement, meaning that the game is FULLY compatible with modern Fifth Edition rules of "the world's most popular roleplaying game."
So expect to see plenty of ancient dragons while you're exploring lots of dungeons!
Here is the tentative table of contents for BroadSword magazine #1.
The Secret of Forsaken Peak Cross Section
Feature - The Secret of Forsaken Peak Part 1 (The Goblin Mine) by Dave Hamrick and Justin David Russell. The goblins of Forsaken Peak have been acting up lately. You're tasked by your patron (five different options with five different goals) to investigate what they're up to. This is the first part of The Secret of Forsaken Peak megadelve adventure path, set for a group of 5th-level characters.
Bonus - The Secret of Forsaken Peak Castle of Chaos Detail by Dave Hamrick and Justin David Russell. Need a place for your characters to rest in between delves? The Castle of Chaos is the perfect spot. Well, if you ignore the fact that it's managed by a bunch of insane people, that is.
The Battle of Dragard Mine by Dave Hamrick and Justin David Russell. The residents of Dragard Mine discovered something important in the old mountain. Whatever it is, the Beastmen of Kalibar want to get their claws on it. Dragard Mine is an adventure for a group of 11th-level characters and uses Dave Hamrick's original mass combat rules system.
Comes with a double-sided fold out map of Dragard Mine.
Evadimus's School for Gifted Spellcasters by Dave Hamrick and Justin David Russell. How do wizards learn their first spells? At wizardry school, of course! One of the most famous of these schools is Evadimus' School for Gifted Spellcasters. This adventure is for 0-level characters that takes wizards-to-be from commoner to 1st-level caster over the course of a school year.
Trial of Heroes by Dave Hamrick. Every year, the lords of South Castle come together to test adventurers all over the land; not for their sheer might and power, but for their ability to think and work as a team. The Trial of Heroes follows the tradition of RPG magazines of offering up level-agnostic challenges for characters of any level.
One-Shot Adventure by Dave Hamrick. A one-shot adventure in the vein of the old "Side Treks" articles that'll work as a nice little side quest. Theme and plot too-be-determined, although it will be centered around 2nd-level characters.
How to Keep Your Players Engaged by Dave Hamrick. You know the situation: you're explaining an awesome landscape or a tense battle and for whatever reason you can't seem to get your players' attention. Either they're looking at their phones, chatting it up, or just off in la-la-land. Dave Hamrick explains how he keeps his characters engaged in his games and shares some tips on how you can get your players engaged, too.
Rules Supplements
10 New Cantrips by Dave Hamrick. Everyone has that one or two favorite cantrip that they love to use frequently. But in the end, there isn't a whole lot of variety when it comes to cantrip. Dave Hamrick offers up 10 more cantrips for characters to use.
Mass Combat Basics by Dave Hamrick. To accompany the Battle of Draggard Mine adventure, Dave Hamrick's crafted a full set of easy-to-use mass combat rules that capture the feel of Fifth Edition and lets characters be heroes on wider level.
New Playable Race: Laicosts (Mousefolk) by Dave Hamrick. A DMDave classic, laicosts are scallywag mouselike humanoids that stay in tight knit communities. The article will expand on their world and introduce the playable mousefolk.
Traps & Puzzles Featurette by Dave Hamrick. Need some non-combat challenges for your dungeon encounters? The Traps & Puzzles featurette helps you do just that.
3 New Arcane Subclasses by Dave Hamrick. The first stretch goal hit for the project was opening up three new subclasses. These subclasses are Wizard Teacher Arcane Tradition, Madness Sorcererous Origin, and Warlock Patron of Forbidden Lore.
2 New Subclasses by Dave Hamrick. Another stretch goal opened up two new subclasses. These are as-of-yet undetermined, but will probably be related to Forsaken Peak.
3 Mass Combat Feats by Dave Hamrick. The second stretch goal hit opens up new feats for mass combat campaigns. These will coincide with the mass combat rules.
Monsters by Jack by Jack Hamrick & TBD. My son Jack draws a monster and artists bring it to life.
7 New Uncommon Magic Items by Dave Hamrick. This was a bonus stretch goal--I'll be creating 7 uncommon magic items for you to put into your campaign.
10 New Monsters by Dave Hamrick. More monsters! Already, I have a library of hundreds of monsters on DMDave. What's 10 more?
Random Wilderness Tables by Dave Hamrick. Need some ideas for wilderness dressing? This chart of 100 random wilderness encounter will help spice up your adventures.
Double-Sided Poster by Justin David Russell. The front cover art and the map for Dragard Mine will be featured on this amazing, high-quality double-sided poster.
With each stretch goal, more content will be added to this already-awesome list. Keep an eye out here on the Kickstarter page as well as communications to see what's coming down the pipe for the first issue of BroadSword Magazine.
The best part? The first adventure is already penned and ready to go and the other three adventures are in final draft stages. You can read the original draft on DMDave's website.
The Goblin Mine, the first part of The Secret of Forsaken Peak.
That means that as soon as you sign on to this Kickstarter, you can get a digital copy of the first adventure, The Secret of Forsaken Peak: The Goblin Mine by Dave Hamrick and Justin David Russell. It's the first part of a HUGE megadelve adventure path that will be included in the magazine.
We're nuts for the classic RPG 'zines of the '80s and '90s.
However, it costs quite a bit to create a high-quality magazine, thick with original art and solid, playtested rules, all compatible with 5th edition.
Printing a magazine like this takes some serious capital. That's why we're Kickstarting it. We want to make sure we have the funding necessary for print runs tiny to gargantuan.
And we don't want to cheapen it. While the magazine will intentionally have an old-school-vibe to it (black-and-white interior, pen/ink illustrations, etc.) it will still be printed on the highest quality paper available with perfect binding.
"So what's up with BroadSword magazine beyond the first issue? And why should I be excited about it (aka, why should I pay for 12-months of issues?)"
Great question! Here's what you should look forward to with the magazine:
1) Issues #2 - #6 are already mostly planned out. While we've still got a few nitty gritty details to plan on, here is the "themes" for the issues following #1:
Issue #2 - Horror. To coincide with Halloween, BroadSword will have adventures, articles, and supplements geared around horror stories and monsters.
Issue #3 - Science fiction. New rules for science fiction along with an accompanying adventure.
Issue #4 - Winter. Winter based adventures, holidays, and more.
Issue #5 - Downtime+. Downtime is a cool feature of Fifth Edition, but kinda falls apart at higher levels. The adventures and articles in this issue will address this problem.
Issue #6 - Gear. Looking for cool, new items for your characters or NPCs? This issue will feature cool weapons, magic items, and more and adventures to compliment them.
2) We're taking submissions for issues #2 and up. As much as I love creating content, to ensure that we can work on a tight schedule, we will be taking submissions from other creators in the community. This includes artists, adventure-crafted, article-writers, and even homebrewers. And we're paying for the content!
3) DMDave has 500,000+ words worth of content to fall back on. Worst case scenario (somehow, no one on earth submits anything), we still have 7 months worth of content to fall back on with DMDave.com. That's nearly 600 articles and 500,000+ words worth of original Fifth Edition content.
4) Multiple Printer Sources. We have three different printers ready to go (include, two of which are associated directly with the business) to print issues in advance. There will be no logistical snafus to slow down printing. And even if there are, we'll be sure to communicate.
5) Total transparency. Subscribers of the magazine will have full transparency of all the forthcoming content. You'll be able to see what's going on and even offer input either on DMDave.com, our social media accounts, the official BroadSword discord channel and more.
6) Experience & Research. I have been in ecommerce for nearly a decade. In addition to experience serving customers online, I have done plenty of research and worked closely with other publishers to ensure that any issue that could come up is addressed ahead of time.
We're 100% invested in this project and want to make sure that it succeeds.
Now it wouldn't be a fun Kickstarter if we didn't have a whole mess of Stretch Goals to offer, too, now would it?
Here is what you can expect to get along with the magazine should we match these goals:
We know that not everyone is a "grognard" like JD and I. That's why this book is not only available in Print format, but Digital format (PDF) as well.
As we noted above, the adventure is already completed and ready as both a FREE "blog" version which you can read now and a "preview" version which you'll receive after the Kickstarter ends. However, the finalized PDF for the magazine will have all new art, get a thorough playtesting analysis, and come with a lot more bonus content.
Plus we'll partner with other companies and use their experience in digital production to make sure that the finished products are 100% perfecto.
One of the most exciting things about BroadSword magazine is that it features the outstanding art of world-class old-school artist Justin David Russell (Epic Werkes Studio). JD is a traditional illustrator, using pen/ink and oil paints to make his creations.
Check out some of his art below:
The cover art to BroadSword #1/The Secret of Forsaken Peak
Did I mention that there might be some DRAGONS in DUNGEONS? ;)
"Sorry, laddie, but yeh won't be a-tossin' THIS dwarf!"
A recent image by JDR, a warrior stumbles upon something... scaly.
What's this pigman? That's how JDR draws goblins!
This time, we're offering both preview and playtest material for those who want to try the content out before its official launch.
What's the difference between the two?
A playtest involves running at least one of the adventures. Playtesters are acknowledged in the magazine's credits, and have a real say in the difficulty, balance, and playability of the final creation. We'll send backers information on how to sign up.
A preview just means an early look, without providing any formal feedback and without a listing in the credits. No signup or reports required.
Everyone who pledges at the $10 level or more gets a FREE copy of Broadsword Magazine preview.
Here is what you can expect from each of the pledge levels.
Supporter - You just love us and want to show your support. Awwwww, thanks! :)
Broadsword #1 PDF only - You just want to read it and print the magazine at your leisure. This pledge level is only $10 and includes all the cool DMDave/JDRussell content.
Broadsword #1 Print and PDF - You want to get the first issue of Broadsword in a print-ready PDF format as well as the printed collector's copy. This pledge level is only $15 and will include all stretch goals.
Broadsword 3-Month Subscription (Print & PDF) - You want to see what's up with the first three issues of Broadsword magazine in both printed and PDF format. This pledge level is only $42 (you save $1 per issue) and includes all stretch goals.
Broadsword 6-Month Subscription (Print & PDF) - You're down with Broadsword and want to see the first six issues of this milestone series in both printed and PDF format. This pledge level is only $84 and includes all stretch goals (you save $1 per issue).
Broadsword 12-Month Subscription (Print & PDF) - You're so enthusiastic about Broadsword, you want the first twelve issues of the mag coming straight to your inbox and mailbox. This pledge level is $144 and includes all stretch goals (you save $3 per issue).
We're launching Broadsword Magazine with options for advertisers, too!
Just like the old RPG magazines, we plan on doing some throwback ads both on the rear and interior covers, as well as four pages at the rear of the magazine, and a center insert with smaller ads (kinda like a "trading post").
What's a throwback ad?
Black-and-white, artwork of questionable integrity, etc. You may even reference your fancy, new fangled world-wide-web webpage on the interwebs.
Even though these "website" things sound like a fad. Obviously.
What do ads cost?
Ad prices are fixed right now, meaning no matter how many people jump on this Kickstarter, we're going to keep the rate the same for the first issue.
That means your ad could be seen by thousands of qualified shoppers for an extremely low rate (cheaper than newspaper ads, but with a more targeted marketing).
For those who are worried about too many ads, don't worry. These ads are mostly for fun to add to the old school vibe. The kitschier, the better! Plus, we're only giving up 5% of the entire magazine for this ad space.
Here are the current ad tiers:
Full-page/full-color advertisement (only 3 available). These advertisements will be printed on the back of the magazine cover and on the interior covers just like in the old school magazines. Starts at $300. Plus, you get one month of advertising on DMDave.com (100,000 impressions per month), newsletter mentions, plus Instagram and Facebook shoutouts.
Full-page/black-and-white advertisement (only 4 available). These advertisements will appear in the back of the magazine on the last 4 pages. Starts at $225. Plus, you get one month of advertising on DMDave.com (100,000 impressions per month), newsletter mentions, plus Instagram and Facebook shoutouts.
2.5" by 4.75" advertisement (Black/White) (only 40 available). These small ads will appear throughout the magazine, again adding to the "old school vibe" of Broadsword. Starts at $40. Plus, you get 8,000 impressions on DMDave.com.
Plus, all advertisers get a PDF copy and physical of Broadsword #1!
Even if you don't have a business, you can use the ad to say thanks! Or give a shoutout to somebody you love, or even propose to JD Russell.
Ad-Ons for Additional Issues
Some of you have expressed interest in getting both an add and the full subscription plan. Here's how you can do it:
1) Select the advertising plan that you want to do.
2) Adjust your pledge amount up by one of the following subscription plans (it already includes the first issue):
3-month subscription: +$36 (includes shipping, US only)
12-month subscription: +$165 (includes shipping, US only)
3) Email me at hamrickbrands@gmail.com or contact me via Instagram to confirm your intention.
For details on how to do all this, here's a guide for add-ons: How to Do Add-Ons
So who are the creative nut jobs behind this incredible project? Here are the folks involved in the creation of Broadsword Magazine:
Justin David Russell (Epic Werkes Studios), Artist and Creator is also a grognard roleplayer, having played just as long (if not longer). He's the creator of the The Forsaken Peak adventure path's setting, the illustrator of all the maps, interior artwork, and cover illustrations for Broadsword magazine. He's one of the hardest working illustrators in the roleplaying world today. You can see his artwork above.
Dave Hamrick, Designer and Publisher has been a roleplayer and GM for nearly 28 years. He's also a full time writer and author, business owner, and game designer. He's the guy that maintains DMDave.com and writes most of the material for it (over 500 articles with nearly 1,000,000 words of original Fifth Edition content), including all adventures in the first issue of Broadsword magazine. This isn't his first rodeo, either. He's owned an Amazon business for four years as well as multiple digital media sites and has countless contacts in both the game and product fulfillment industry.
Still not sold? Check out what folks have to say about our content:
"Amazing content and takes into careful consideration all mechanics and lore surrounding not just 5e but prior editions." - Facebook fan
"Great Content. Good ideas and monster creation." - Facebook fan
"Keep up the great work, DMDave, really enjoy all your creations!" - Patreon fan
Regarding the launch of BroadSword magazine:
"Cool! This sounds awesome and I'm looking forward to checking it out when it goes live. Always looking for 5e adventures done in the vein of old Dungeon Magazine." - Kickstarter Follower
"Yes, and yes. Did I say yes? Yes I did." - Kickstarter Follower
"I'm super pumped for this can't wait I'll definitely be get the year subscription on launch." - Kickstarter Follower
From Kickstarter Backers:
"I have a 0% chance to be able to write/edit/make something like this happen but for the last year or so I have been hoping that SOMEONE would make a magazine similar to Dungeon. I am just a print kind of guy, PDFs don't do it for me." - Kickstarter Backer
"Thank you and I'm excited about this. I was a very long-time subscriber to Dragon, Dungeon, and Kobold Quarterly so this is exactly what I've been waiting for!" - Kickstarter Backer
20,500 + Followers on Instagam (with a 20%+ engagement rate)
The entire magazine is drafted and ready. We've sourced the costs with manufacturers and they're just waiting for our final art. The only thing missing are the commissions and backer elements as well as any necessary adjustments from playtesting. All of the interior cartography is completed as well as is the cover art and most of the interior art. However, there's still a little work to do in art, adding in any extra details, playtesting, editing, and development, not to mention layouts and final designs.
However, Dave Hamrick, the lead designer has been a professional game and product designer and fulfillment specialist for four years. He already owns his own Amazon business and has an extremely popular website with 150,000+ monthly viewers. Plus, he has multiple contacts in the book industry and China and a printer is already lined up with deposits pre-placed. In addition, he's working closely with veterans of Kickstarter projects, with over 5 projects between them. Finally, he writes for a company that specializes in product development and design with over 100 employees. All of these experts are assisting in consultation on the product to ensure success of the Kickstarter itself and its subsequent fulfillment.
For future issues, submissions will be accepted to ensure regular content and DMDave has nearly 600+ original articles on his site to pull from if need be (including a ton of previously unreleased articles).
Plus, we're giving ourselves 4-5 months before the first issue to create the first six issues' worth of content. Our printers are already prepared for monthly editions and will have proofs/artwork/etc in their hands 2-3 months in advance of printing. Any hiccups in transport, content creation, etc. will be communicated to all subscribers in advance so if there are any problems subscribers will have plenty of advance notice. If the magazine ends for any reason, any outstanding fees will be returned to subscribers in a pro-rated format.
There are no additional projects on the table. This is it. Nothing to get in the way or screw up logistics.
We require no external review or approval from other companies to make this magazine happen, and we've been working on it long enough to see it is coming together well.
Pledge $1 or more About $1.00
You get the project news and updates, and your name gets mentioned in our acknowledgements section. See project description for details.
Broadsword Magazine #1 PDF Only
Get the first issue of Broadsword magazine in printable PDF format. Broadsword magazine includes four new Fifth Edition-compatible adventures, new monsters, subclasses, spells, and more.
PDF Digital Copy of Broadsword Magazine #1
Broadsword Magazine #1 - Print + PDF
You get the very first copy of Broadsword shipped directly to you. It includes four original Fifth Edition-compatible adventures, new magic items, spells, subclasses, and more. Over 66-pages of fresh content to liven up your RPG games!
Broadsword Magazine #1
Broadsword Magazine 3-mo Sub (PDF Only)
Get 3-months of BroadSword Magazine sent straight to your inbox! The magazine includes 4 all-new, original Fifth Edition-compatible adventures, plus new monsters, spells, magic items, subclasses, and more.
2 More PDF Issues of Broadsword Magazine
Broadsword Magazine 3-mo Sub (Print+PDF)
Not only do you get the first issue of Broadsword magazine in your inbox, but you'll get it in your mailbox, too! The magazine includes 4 all-new, original Fifth Edition-compatible adventures, plus new monsters, spells, magic items, subclasses, and more.
2 More Issues of Broadsword Magazine
2.5" x 4.5" Ad in Broadsword #1
Get a 2.5" x 4.5" black-and-white ad in Broadsword Magazine #1 in both print and PDF format. The ad will be a part of the Gamer's Guide section highlighting cool businesses and game-related stuff. The rate is fixed, no matter how many issues we print--we will target 1,000 issues to start, but could do as many as 10,000 or more! Plus, you'll receive a free print copy of the book.
2.5" x 4.5" Advertisment in Broadsword Magazine #1
Get 6-months of PDF format only. Broadsword delivers 66 pages of new and original Fifth Edition-compatible content each month, with four adventures, plus new magic items, spells, subclasses, and more. Plus, you get downloadable PDF copies as well.
Broadsword Magazine 6-Month Subscription
Includes both PRINT and PDF digital copies.
Save $1 per issue when you order six-months of Broadsword. Broadsword delivers 66 pages of new and original Fifth Edition-compatible content each month, with four adventures, plus new magic items, spells, subclasses, and more. Plus, you get downloadable PDF copies as well.
Broadsword Magazine 12-mo Sub Digital
Get 12 months of Broadsword magazine in printable PDF format sent directly to your inbox. Each issue of Broadsword magazine includes four new Fifth Edition compatible adventures, plus new magic items, spells, subclasses, monsters, and more.
11 More PDF Issues of Broadsword Magazine
Broadsword Magazine 12-Mo Subscription
You save $3 per issue when you get 12-months of Broadsword sent directly to you in both PRINT and DIGITAL format. Broadsword magazine includes four new monthly Fifth-Edition compatible adventures, plus new subclasses, magic items, spells, and more.
11 More Issues of Broadsword Magazine
Full Page/B&W Ad in Broadsword #1
Get a full-page/B&W ad in Broadsword Magazine #1 in both print and PDF format. The rate is fixed, no matter how many issues we print--we will target 1,000 issues to start, but could do as many as 10,000 or more! Plus, you'll receive a free print copy of the book.
Full-Page/B&W Ad in Broadsword #1
Full Page/Full Color Ad in Broadsword #1
Get a full-page/full-color ad on the back cover or interior covers of Broadsword Magazine #1 in both print and PDF format. The rate is fixed, no matter how many issues we print--we will target 1,000 issues to start, but could do as many as 10,000 or more! Plus, you'll receive a free print copy of the book.
Full-Color/Full-Page Advertisment in Broadsword #1 (Covers)
Mar 26, 2019 - Apr 25, 2019 (30 days)


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We have a technological sub-structure in accordance with national and international norms on the pioneer of science. We are a strong family who follow scientific and technological developments related to our field.
We build relationships with all our stakeholders based on honesty and trust. We protect confidential information and proprietary rights of all institutions, organizations and individuals that we cooperate with, not only in the field of activity we serve.
We carry out our activities objectively and objectively. We avoid all kinds of behavior that would put the nature and humanity in danger.
We establish long-term partnerships with our employees and with our collaborators in the frame of respect.


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I informed you that I take medicine for depression and nervousness. I don't take antipsychotic medicine. They are not the identical thimg. If I needed them, nonetheless, I would take them. Now, these are the info, and that is additionally what I instructed you just some weeks ago, proper right here on this weblog. I don't know which thread it was on, however that is what I informed you then, and that is what I telling you now. It is the truth. Now, if you want to name me a liar, then I suggest that you point out how I've lied.


text:
Your Money|Frugality Can Be Acquired, but It Can't Be Bought
Frugality Can Be Acquired, but It Can't Be Bought
By CAITLIN KELLY MARCH 1, 2008
Ralph and Mildred Pasucci in their home in Hampstead, N.C., where they moved to lower their cost of living. Credit Matt Born for The New York Times
Consumers, long held up as the saviors of the American economy as it rose, are taking some of the blame for its fall. Consumers, their critics now say, were too eager to buy big, expensive houses and to fill them with the latest electronic gadgets. Consumers used their houses as piggy banks, these critics go on, to pay for their profligate ways. The question is, How do consumers learn how to deal with their finances? How do they learn how to save, invest and manage their money?
While some life skills, like learning to drive or how to roast a chicken, seem pretty straightforward, a lot of people remain in the dark when it comes to managing their personal finances.
"Money remains the elephant in the room," says Manisha Thakor, a financial adviser and co-author with Sharon Kedar of "On My Own Two Feet: A Modern Girl's Guide to Personal Finance" (Adams Business, 2007). "Personal finance, like parenting, is something we all are expected to just pick up as we go along." This is true, she said, across the economic spectrum, with even the best-educated high-earning adults often financially illiterate.
Those eager to learn often face a tidal wave of information, Ms. Thakor said. "It's too much and they give up."
Lena West, founder and chief executive of xynoMedia, a company in Hastings, N.Y., that builds blogs and online communities, acknowledged that she learned about finances the hard way.
"When you're in serious debt in your 20s you have to learn pretty quickly," she said in a recent interview. "Sink or swim. I won't go into the specifics about my debt, but it was hefty — enough for it to still be affecting my life 10 years later. I dug out by educating myself, doing loads of work on my self-esteem and, most importantly, changing my relationship with money."
Richard Andrews, 62, a former financial journalist living in Springfield, Vt., said he learned the most useful lessons about handling money from his family.
"My parents weren't particularly sophisticated about finances, but all of us had small allowances beginning when we started school," he said. His father made him and his sister "compute how much money we would need for a year, using the Sears, Roebuck catalog to price clothing, and adding in items like school lunches and bus fare."
"What I learned from the clothing allowance was that if you want to save money, you can," he said.
Mr. Andrews said he applied that lesson later in life. By choosing to live in rural Vermont, and without the costs of raising children, Mr. Andrews and his wife, Stephanie, a former schoolteacher, lived below their means, thereby saving enough for early retirement and lifelong world travel.
Neither of them ever earned large incomes, he said.
"I have always thought of money as freedom," he said. "It seems to me that other people think of it as something else: power, status. The freedom for me is from having to work or to take the job you really want."
In a culture constantly bombarding consumers with advertising coupled with peer pressure to buy the biggest, best and latest version of everything, resisting these messages is crucial, Mr. Andrews added. "Be Jones instead of trying to keep up with him."
Parents are not the only source of knowledge about financial matters. In some cases, people will follow their friends' lead or be swayed by broader economic conditions, like the generation that grew up in the Depression.
Ralph and Mildred Pascucci, 73, both freely admit that the lessons of the Depression have powerfully affected how cautiously they have handled their finances for decades.
Now retirees, they moved from Long Island to Hampstead, N.C., to reduce their cost of living.
"We spend time chasing C.D. rates from one bank to another. Bonds and investments we leave to others," Mrs. Pascucci said.
"Conservative — which is a much nicer word than frugal or thrifty — best exemplifies our attitude about finances since the day we were married, almost 49 years ago, until today," she said. "In the early years, no matter how tight the budget, there was always a savings plan involved. Always."
Mr. Pascucci said their three children "have learned from us that a home is their best investment," though, he added, "They seem to be more sophisticated in refinancing their mortgages to their advantage."
Others were always thrifty.
Sally Chiappa, a 30-year-old administrative secretary in Baltimore, said she began handling her own money when she was 5, with her first bank account. Whatever funds she received in gifts, baby-sitting and pet-sitting jobs, went into savings.
"I just knew that saving my money was something that I could do and that I enjoyed watching my balance grow," she said.
Ms. Chiappa said she remains fiscally conservative. "I spend no more money than I keep in the bank and don't use credit cards. I have had absolutely no debt for at least five years and my credit rating is also around 800, and I'm proud of that." She saves $2,400 a year from a salary in the low $30's, hoping to buy a house.
Brian Geldin, 31, who works in public relations, said he learned to save money by watching the careful spending decisions of his mother, a speech teacher, and father, an audiologist.
"Ever since I can remember, I've always had a savings account, and they did teach me that I would earn interest by putting money into savings," said Mr. Geldin, who lives in Queens. "I wouldn't consider myself financially savvy, just that I'm frugal in my purchase decisions and try my best to save money for something really important."
Unlike many young graduates who find themselves drowning in credit card debt on top of student loans, Mr. Geldin said he avoided this trap by watching what happened to college friends.
"Several of them took out credit cards and seemed to get pretty high finance charges for not being able to make their payments on time. Knowing that I wasn't earning very much money with part-time work, I didn't want to get myself into debt by missing credit card payments, so I skipped the opportunity."
Fernanda Echavarri, 22, a recent graduate of the University of Arizona who moved away from home at 19, credits her father, a project manager for a construction firm, with teaching her to save.
"Even when I was 16 and making baby-sitting money, Dad would force me to put it in the bank. He always gave me the 'what if's' — if I got a flat tire or my car needed repairs."
Ms. Echavarri said her father also made clear that living on her own included financial self-sufficiency.
She works in a clothing store, where customers easily spend $700 on a dress while she buys her clothes second-hand. "I'm used to it by now. I'm very aware of the money I have."
As she began to earn what she calls "real paychecks," Ms. Echavarri said she saved $20 or $50 from each one, no matter how small.
"I'm used to it by now," she said. "It's been hard, but it feels good."
A version of this article appears in print on , on Page C6 of the New York edition with the headline: Frugality Can Be Acquired, but It Can't Be Bought. Order Reprints| Today's Paper|Subscribe
A column on anything and everything that hits you in the wallet.
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Main / Sport / How does a thermal power plant
A thermal power station is a power station in which heat energy is converted to electric power. In most of the places in the world the turbine is steam-driven. Thermal power plants are power stations which convert heat energy into electric energy. Thermal power plant is a collective term which includes fossil fuels. At present % or MW (Data Source CEA, as on 31/03/) of total electricity production in India is from Coal Based Thermal Power Station.
Almost two third of electricity requirement of the world is fulfilled by thermal power plants. In these power stations, steam is produced by burning some fossil fuel. Electricity demand varies greatly by season and time of day. Because thermal power generation can flexibly adapt to changes in demand, it plays a central role . Thermal Power Plants also called Thermal Power Generation Plant or Thermal Power Station. Definition: "Thermal power plant" as the title infers is the place of.
It is also obvious that water is needed to produce electricity in hydropower plants. However, many are unaware that almost all thermal power. The 10 biggest thermal power stations operating in India are all coal-fired, with seven of them owned and operated by state-run National. The steam is converted into mechanical energy in a turbine, which powers a generator to produce electricity. Solar thermal power systems have. Beyond generating electricity by so-called "conventional" power plants, ENGIE The thermal electricity supplied by ENGIE in numerous countries is based on a. Coal-based thermal power plants are the main source from which sulfur dioxide ( SO2) is released. Since the beginning of the 21st century, there has been a.
The installed capacity of Slovenské elektrárne thermal power plants is MW. Thermal power plant burn fuels to boil water and make steam. The steam is then used to spin a turbine which is connected to a generator that. Thermal power plant is also referred as coal thermal power plant and steam turbine power plant. Before going into detail of this topic, we will try. What is thermal generation? Thermal generation refers to the process of generating electricity from heat. There are four thermal energy fuels: coal, natural.
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Man accused of middle of the night home invasion, released from hospital and booked.
A man accused of a middle of the night home invasion and assault has been booked into a jail.
Anne Arundel County Police say 29-year-old Philip Koletty was released from an area hospital on Friday, two days after breaking into a couples home on Gambier Harbor in Pasadena.
Upon being awoken by the burglary in progress, the male occupant confronted Koletty which resulted in the two men cutting each other with knives.
Soon after arriving, police found Koletty hiding in a nearby wooded area and took him into custody.


Work with Current and Former Military Service Members to Find the Best Housing Solutions. Students will learn how to provide the real estate services at any stage in the service member's military career that meet the needs of this niche market and win future referrals. When military staff and their families relocate, the services of a real estate professional who understands their needs and timetables makes the transfer easier, faster, and less stressful. This certification program focuses on educating real estate professionals about working with current and former military service members to find the housing solutions that best suit their needs and take full advantage of military benefits and support.


Environment: Found in a silicified ferruginous gossan. Ni analog of herbertsmithite. Atacamite group.
Locality: 132 North deposit, Widgiemooltha, Western Australia, Australia Link to MinDat.org Location Data.
Comments: Dark green druze of gillardite and lighter green gasphite in a complex gossenous matrix.
Location: 132 North Mine, Widgiemooltha, Western Australia, Australia. Scale: Specimen Size 3.6 x 1.7 x 2.6 cm.
note: Specific Gravity of Gillardite =3.76 gm/cc.
U=PEGillardite x rElectron Density= 96.03 barns/cc.


It gives citizens of the European Economic Area (EEA) certain rights when you use services that process personal data. To allow you to exercise these rights, we made changes, so you can now better control your data.
If you believe we have the wrong data about you, or that your data is incomplete, or you want to delete your data, or you want to object to the processing of certain forms of data or just want to access it and receive a file from us containing this data, feel free to contact us.


Manual jobs in European manufacturing are being transformed as blue-collar workers take on more intellectual tasks. This is a consequence of the increasing use of digital tools and the growing importance of quality control in production. The severe losses of middle-paying jobs in the manufacturing sector during the economic crisis raised concerns about its future role and contribution to economic progress. However, not only has the recovery brought back employment growth in manufacturing, but there has also been a shift towards higher-skilled professional occupations, especially in machinery and equipment as well as motor vehicle production, as described in Eurofound's 2017 European Jobs Monitor report.
Social Europe: Job polarisation in Europe: Are mid-skilled jobs disappearing?
This upgrading of employment in manufacturing is further borne out by Eurofound's latest report on the future of manufacturing in Europe, which looks at the types of tasks performed by workers on the job. We carried out case studies on five occupations within manufacturing: car assembler, meat-processing worker, chemical products machine operator, hand-packer and inspection engineer. The case studies suggest that intellectual tasks involving information processing and problem solving are becoming more common in manufacturing jobs where physical tasks traditionally predominated.
Two main factors are contributing to this trend, one purely technical and the other more institutional. First is the rising use of digitally controlled equipment in production. This not only requires that workers in manual, semi-skilled occupations have more developed ICT skills, but also increases the literacy- and numeracy-related tasks they have to perform, such as reading technical documentation or dealing with numerical information. The spread of automation and the use of advanced machinery in production are also driving up the importance of problem-solving intellectual tasks, with shop-floor workers being tasked increasingly with troubleshooting production lines and handling errors.
The second factor adding to intellectual tasks in manufacturing occupations is the increasing use of quality control and standards in production. This is driven by regulation, consumer demand and the increasing complexity of production processes (as exemplified by global value chains). Quality standards impose a certain degree of formalisation on the production process, with the use, for instance, of benchmarking documentation, detailed planning and performance indicators. Many of these quality-control procedures are at least partly carried out by shop-floor operators, whose task set has broadened to include documenting problems, assessing numerical benchmarks, filling in forms and so on.
Conversely, the importance of physical tasks is generally decreasing because of automation, although with the extent of this differs depending on the comparative advantages and efficiency associated with manual versus machine task performance. Tasks that require workers to exert strength, in particular, are in decline, but tasks that require dexterity remain an important part of some shop-floor jobs, notably in the context of operating machinery.
Such changes have significant implications for job quality. The decline in physical tasks, combined with more restrictive safety regulations limiting direct contact with machinery, has the benefit of reducing physical workplace risks for some manual occupations. This together with the upgrading of work in terms of intellectual tasks has contributed to job quality improvements in traditional manual occupations in manufacturing. However, automation technology is not spread equally across industries and is far from becoming mainstream in many jobs where human labour is still preferred, mainly due to the comparatively low costs and the still very significant technical challenges involved in their automation.
The reshaping of manufacturing occupations poses significant challenges for our societies. The skills of the workforce must keep pace with technological change, and education systems have to be modernised to meet the needs of ever-changing workplaces. Employment regulation and industrial relations systems must also evolve to maintain their effectiveness as occupations transform; in times of rapid economic transformation such as these, their mediating role becomes particularly important for the translation of technical change into socioeconomic progress for all.


Although your retirement may seem like light years away, it's wise to create a retirement budget and work with a financial advisor to determine if you're on track.
Why? Only two out of three workers feel confident about having enough money during retirement, with only 17% feeling very confident according to the 2018 Retirement Confidence Survey. They also found that today's workers feel behind in retirement savings and are planning on working longer to make up for it. To help you prepare for this important life milestone, here are our tips on how to create a retirement budget.
How Much Does It Cost to Retire in Indiana or Michigan?
There are several factors that will affect the amount you personally will need to retire, including the age you retire, your spending habits, and inflation. Another major factor is where you live during retirement. For those looking to retire in Indiana, you should budget at least $1,133,273 for retirement, with an average of $45,331 for annual living expenses. In Michigan, you should factor in at least $1,098,594 to your retirement budget. This information can be a good baseline to see if you are saving enough money in your 401k or IRA or other savings accounts.
Earned income: The Social Security Administration defines income as any cash that is received or given in-kind that pays for food and shelter, like wages from a part-time job.
Unearned income: This category consists of any payments you receive like Social Security, pensions or annuities, other benefits from the government like unemployment or disability, and any interest income from savings accounts, certificates, or investments.
Check out TCU's Retirement Income Calculator for more detail.
Housing: This should include your mortgage or rent, property taxes, insurance, utilities, any condo fees or other fees that may apply.
Food & Entertainment: Estimate your monthly grocery shopping bill, any restaurants you may frequent, and other fun things you may do for entertainment, which could include cable tv and/or internet, Netflix, Amazon Prime, memberships (gyms, online gathering places, warehouse clubs), and even vacations.
Personal Care: Add up what you will expect to spend on clothing and other personal care items.
Getting Around: In the transportation category, calculate your costs around your vehicle payments, auto insurance, gas, vehicle registration, or public transportation fares.
Healthcare: Factor in the possibility of healthcare costs changes, especially between ages 60-65, when you become eligible for Medicare. Add in more than you think in that category, and consider dental, eye care, and hearing. Give yourself an emergency bucket as well. Healthcare is the biggest factor that can make or break a budget because this is the largest expense category in retirement given the average retirement age.
Charity and Gifts: Most people feel compelled to give back to their communities when they are older. If tithing, donating to charity or gifting (spoiling the grandkids!) will be part of your life, add this into your budget.
Emergency Savings: Things go wrong all the time. That's why you want to stash some extra savings away for a rainy day to fix broken appliances, cars or technology.
Having a budget for retirement will help you get a clear picture of the amount of money you'll need to live out your golden years and give you a better idea of what you should be saving today. TCU has several ways to help you save for retirement, including high-interest savings accounts, certificates, money market accounts, and IRAs. Use our Retirement Calculator to see how far your nest egg will take you for a quick snapshot. You can also use the Social Security Administration's calculators to get an idea of your monthly Social Security benefits. To get a personalized retirement plan, please set up an appointment with a TCU financial advisor.
Disclaimer: This article is for educational purposes only and doesn't constitute tax, legal or accounting advice. Please consult with an attorney or tax professional for guidance. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA /SIPC , a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution.


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Africa, as I see it
Understanding Africa's problems
Stephen Ekokobe Awung
I was inspired to write this note from the questions I receive from state and none state actors in my duty as a community organiser in Germany. This note will help people who want to understand the socio-economic and political affairs of Africa and also the challenges faced by African immigrants living abroad from an African perspective. Africa, as I see it is a personal but objective view on the underdevelopment of Africa by Africans and the West.
Stephen Ekokobe Awung was educated in Cameroon and Germany. He is a web developer and political analyst. He has written many critical essays and literary works that have been published in many international journals and anthologies. He is a member of the International Society of Poets.
Stephen is a community organiser and executive chairman of the African People's Convention in Kassel, Germany. He is also an elected member of the foreigners' advisory council in the municipality of Kassel, Germany that represents the interest of migrants. Steeve, as he is fondly called has won many awards in poetry and has also presented his literary works in many occasions in Germany. You can please contact the author for comments or errors through email: awung@apc-kassel.com
Solving Africa's problem
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Is Obama's 'Pivot to Asia' enough to maintain US Influence in East Asia?
Steve Micallef
Bildung auf der Seite der Armen, Arbeitslosen und Benachteiligten
Roland Mierzwa
IS SOCIAL PROTECTION A RIGHT?
Eric Dalinpuo
Entgleist! Wie der Rechtsstaat in Deutschland unter die Räder gekommen ist
Prosper Christian Otto


text:
Danton Heinen
#43 - Boston Bruins
Position Center
Birthdate July 5, 1995
Birthplace Langley, British Columbia
Draft 2014 - Round 4 (116 overall) by Boston
+/- 13
6/12/19 STL L 1-4 0 0 0 0 0 0 0 2 - - 22 15:09
6/9/19 @ STL W 5-1 0 0 0 0 0 0 0 1 - - 14 10:18
6/6/19 STL L 1-2 0 0 0 0 0 0 0 1 4 - 12 8:18
6/3/19 @ STL L 2-4 0 0 0 -1 2 0 0 1 - - 17 11:52
6/1/19 @ STL W 7-2 0 1 1 0 0 0 0 1 1 2 18 14:20
5/29/19 STL L 2-3 (OT) 0 0 0 -2 0 0 0 1 - - 17 15:26
5/27/19 STL W 4-2 0 0 0 0 0 0 0 1 3 - 16 12:00
5/16/19 @ CAR W 4-0 0 0 0 0 0 0 0 0 - 1 16 13:47
5/14/19 @ CAR W 2-1 0 0 0 0 0 0 0 1 1 - 13 10:26
5/12/19 CAR W 6-2 1 1 2 3 0 0 0 2 3 1 16 14:38
18-19 BOS 77 11 23 34 13 16 1 0 114 9.65
17-18 BOS 77 16 31 47 10 16 2 1 135 11.85
16-17 BOS 8 0 0 0 -3 2 0 0 7 0


All week we have been trying out EASY recipes from the Internet. When possible, I'm trying to make them even easier because we are SWAMPED over here. This one DELIVERED! It was VERY easy and VERY yummy!
Place the chicken breasts in a 9x13 pan. Salt and pepper the chicken. Cover the chicken with slices of Swiss cheese. Pour cream of chicken soup and then one can of milk over the cheese. Cover with panko.
Cover pan with aluminum foil and bake for 45 minutes. Then bake uncovered until panko browns.
We served it with couscous and broccoli.


تَأَثُّرٌ-تَأَثُّرٌ [أ ث ر] (مصدر: تَأَثَّرَ). كَانَ تَأَثُّرُهُ شَدِيدًا : إِحْسَاسُهُ، اِنْفِعَالُهُ. لَمْ يُظْهِرْ أَدْنَى تَأَثُّرٍ.
but that shouldn't affect your opinion of yourself.
ineffectiveness of sedatives, and then hydrophobia.
Well, that's very moving. It's a shame I don't vote. Hmm.
No, I'm just screwin' with you. It's a hangover.
but she must have made quite an impression.
Don't see any signs of vasculitis.


If you are a veterinarian or vet-nurse/tech with surgical experience and wish to help us help animals in the Caribbean please contact us. Our space fills up fast!!
CAH is a very small veterinary hospital that provides the only veterinary care for small animals on the island of Carriacou, (part of Grenada). We are a stand alone non-profit and all proceeds go to helping the animals of Carriacou. It is run entirely by volunteers and their donated supplies. Life on Carriacou is very third world. Starbucks and McDonalds are a million miles away. However, it is a truly beautiful unspoiled tropical island. Carriacou Animal Hospital`s Visiting Vets program is the foundation and driving force of our efforts. We invite volunteer vets with surgical experience to come and stay in our beachside bungalow for two weeks or longer. CAH also accepts vet-nurses / vet-techs from April - November. Normally you will be provided with accommodation at the clinic, which is a beach front house. The rooms are basic, the water is collected rainwater, you can walk to the beach in 10 seconds! Expect to share your room and bring a spare mosquito net if you have one.
In as much as there is one, daily routine consists of checking, cleaning and feeding all clinic dogs and in patients. Answering the telephone and dealing with enquiries. Admitting any operations for the day / surgery as required. Drop in clients for vaccines / flea & tick prevention / health issues and emergencies. The clinic does not have x-ray or blood machines so only basic diagnostics can be carried out. A basic knowledge of tropical disease will be useful – heart worm, ehrlichia, flea and tick prevention. There is a protocol for most surgical and anaesthetic procedures, this is mainly due to the limitation of drugs available, however it has proven to be safe for dogs that are invariably being returned into yards.
Various day trips will be arranged during your stay (which will need paying for - between $40 and $100 US dollars). There is wifi at the clinic so keeping in touch or researching is easy. There is a kitchen with basics – cooker/ fridge/ freezer so you can take advantage of the local fish (Tuna 10ec a kg!!). You can also BBQ on the beach if you like. You will need mosquito repellent and sun screen.