text:
Stay informed with our podcast
Retiring as a single person
Rewirement: the retirement podcast from Legal & General
Transcript: Retiring as a single person
Shirley: Hello, I'm Shirley Ballas and welcome to Rewirement, The retirement podcast from Legal & General. This is the series that explores how to reset, reinvent and rewire for the retirement you want. Every fortnight I'm joined by straight talking, honest retirees and would be retirees with different experiences, hopes, and expectations for retirement
Speaker: I think it might have been nice to have the option of thinking about reducing hours. And I haven't got that option.
Shirley: And my expert panel will be here to help too, with suggestions to help you feel confident, comfortable, and in control of your finances after you've quit the day job. Today, I'm hearing from people who are approaching retirement without a partner.
I'll be finding out what difference this makes to your financial and emotional planning, as well as hearing about the options available to those who are going it alone.
Today, we're going to hear from three people who are approaching retirement without a partner. Last time we met David, who's been working for the civil service for 42 years and lives with his father.
David: I'm a single child. I still live at home. Sadly, my mum passed away two years ago. So now it's just Dad and I.
From a pension situation, I'm probably due to get my national retirement pension when I'm about 66, 67. I'm 62 now. I'm civil servant, so I have got a civil service pension that I should be getting. If I do decide to retire before pension age, then that will be something I can maybe use.
Shirley: Liz is 55 and divorced with two grownup children. She doesn't have a pension.
Liz: I live in a little village in East Sussex. I have two daughters, 26 and 24. When I was young, and we're going back to 35 years ago, I was working in a publishing company which got taken over by Robert Maxwell.
Now I did have a few years pension that I'd built up, but he then went and killed himself and had spent all our pension pots. So I didn't qualify to get anything back from that. So I lost my pension.
Soon after that, I met my husband and we had two children. The oldest one has a disability, so she was in and out of hospitals. So again, I didn't work then for about 15 years. When she was 15, I went back to work part time. But again, I didn't really earn enough money to warrant sort of putting any away to go into a pension.
Then five, six years ago, my husband and I got divorced and he had his own private pension, which he still has, and I don't have access to. He had that. So at the moment, I'm left with nothing really, but I do have my house, which to me is kind of like my pension, I suppose.
I do not feel empowered about my financial situation when I do retire. I have a sort of plan, but it's a matter of, well I'll have to do that because I don't have anything else kind of thing. Up until a couple of years, well 18 months ago, I was working, but I had a bad accident.
I fell off a ladder when I was cutting my hedge and I completely smashed my leg up and spent four months in hospital. I'm still kind of in rehab from that. So at the moment, no, I'm not working.
Shirley: My next guest is Jenny. Jenny's a mum of two. She's always put into her pension and planned ahead, but still wonders what sorts of choices she might have to make compared to her married friends.
Jenny: Well, I'm approaching 58 and I live in Hove in East Sussex, near Brighton and Hove. I work as a social work manager and I've worked in social work, really all my professional life.
And I've got two children, both grown up, one 27 and one 21. When you're single, you're aware that your finances have just one income.
I suppose what I've noticed is friends who've been able to maybe work part time a much earlier point because they've got another income, or friends who've been able to think, " Well, I've had enough of being in my full time job for all these years, I'm going to have a break and then decide what to do."
And I suppose I know that I couldn't have a break and take some time out. And I suppose, in an ideal world, that would be great. And also I think it might have been nice to have the option of thinking about reducing hours. And I haven't got that option, because my salary ... And I still got a daughter at university. So my salary is their salary.
When I was younger, I didn't pay into a pension. I worked sort of freelancer as an agency social worker for about five years, which meant I didn't have a pension scheme at all.
And then when I got a full time job, at that stage, when you left a job, you could withdraw your pension. So I did that. So it was only really when I was in my early 30s that I even considered the need to pay into a pension. I've got to keep working until I get my state pension, which obviously isn't until I'm, I think it's 67.
So I think, I thought until I started to sit down and maybe consider the detail of the finances, I think I thought I was better placed than I actually am. I have thought at times I'd love to give up work and maybe do something more radical, go and live abroad, or do something significantly different.
But I think if I wasn't wanting to do that, I feel fairly okay about continuing to work. I am mindful of being able to at least support my children in some way. I've got a house. I still got a mortgage on my house, but I've got a house that's worth ... It's not a big house, but it's worth a reasonable amount of money. And it doesn't make sense for me to have this and for them to have no means of getting on the property ladder.
So I suppose I have thought quite a bit about moving to a cheaper area, not just for them, but also because that would potentially offer me something different. Because I do think as much as it's great living in one place and all the benefits of that, there's also that desire to have a change.
I suppose my number one would be obviously health and happiness, but I would want to feel financially secure so that I can live a comfortable life, go on holidays if I wanted to, be able to have money available to support them.
But then as somebody approaching retirement, it's thinking about contacts and friendships and social life you've got in an area. And how would you manage (inaudible) a single person? So, you know that might make it more difficult.
Shirley: Without a pension. I asked Liz how she plans to finance her retirement.
Liz: I'd like to feel secure that when I could give up work, I would have enough money to live on every month. That would be lovely. And not have to worry, and maybe the dream, buy a camper van and clear off round Europe for a couple of years.
It would be lovely to feel that confident that you could do that financially and you'd be secure enough.
I will have to sell my house and I will move to a more reasonable area of the country, which I have family in anyway, in Norfolk and Suffolk.
So the plan is at some point in the future, I'll sell my house in East Sussex and I'll move to that area, which will free up some money, which I will then invest in something. And that hopefully will help me out in my retirement.
Shirley: And when you look at how much you can sell your house for and how much you could possibly buy whatever property you're looking at, do you feel there's enough money there to live on?
Liz: Oh, will there ever be enough money to live on, to do what we all wanted to do? I'm hoping so. I'm hoping there'll be enough money to live on.
Shirley: Because also that needs to be sat down. You go through the allowance, you look at how much you're selling for, you're looking at how much you're buying for.
Then you make, if you're a list person like me, then you make your list of how much there is, how much a month do you need to live on and whether you're comfortable with that amount or do you need to keep working past the date of retirement?
Liz: Yeah. I mean, that's something I'll have to sort of cross as and when I get there, whether the money I made out of my house here would be enough if I invest it, to actually be enough for me to live on monthly.
I'm hoping it would be, but if not, then there's always the option of a part time job just to keep some money coming in. Hopefully, if you're fit and well enough, then that's an option. I could get a job behind the bar at the local pub. That wouldn't be too bad, would it?
Shirley: I couldn't think of anything more exciting actually. See if you can get me one in there. I'll come with you Liz, okay?
Liz: Yeah, no problem.
Shirley: Even if you do know your pension fund will allow you to be comfortable in retirement, there are still questions and complexities to iron out. David told me about the scenarios he has to consider.
David: My civil service pension, I can really retire at any time, but of course it does leave that gap between, if I said I would retire at 62, it still leaves a four or five year gap between then and getting my state pension. So if I did decide to take a lump sum and the whole amount, that would have to really tide me right up till I get to my state pension.
Shirley: And do you think it could?
David: I don't know. I honestly don't know, because it's one of those things. It depends on your lifestyle, what you want to do.
One thing I have got in my favour, and it sounds dreadful, but if anything happened to my dad, it would mean that I would then inherit the house. And there's a house near us that's just recently been sold for 500, 000 pounds. But that would mean looking at maybe equity release. That's fine for a sort of stop gap. And 500,000 would be very nice.
But if anything happened to me or if I became ill, I got serious illness or Alzheimer or dementia or anything like that, what happens about me going into a home or anything like that? So it's something I have really got to stand back and think about.
Shirley: And also because you're single, you've really got to have somebody you can trust, in case later on down the line, something like that happens and you do have to take equity release or any other financial situation that you have. You'll need someone you can trust.
David: Absolutely. Because I mean, you can't give a power of attorney to somebody who you know is going to sort of suddenly go off with all the money and leave you with nothing. It's difficult. I mean, I have got friends, but nobody that I could really turn and say, " I would like you to have the power of attorney," because a lot of people might say, " Well, I don't want that responsibility." Some people might say they do, but others won't.
Shirley: That's interesting. Knowing who to turn to for advice, or just having someone you can trust to talk to or manage your affairs is an important consideration for the millions of single, divorced or widowed people making the move to retirement each year.
David: It's always a bit of a minefield with regard to retirement and pension details, because there's so much out there for people to sort of be told. As I said, mentioned just now, the equity releasing's, there are so many adverts in the papers and on the television and all this sort of thing. And it's just knowing who is the right person to go to.
What's the right thing for me to do/ I mean, some people, you could speak to friends, talk to friends about what have they done, but what works well for one person doesn't necessarily work well for somebody else. Who do you go to?
I mean, if I went to the bank, they've only got their own best interest at heart. And it's the same I think with a lot of places, they're selling it to you at their angle. And I think you've got to really be aware of what's happening.
Shirley: I asked Jenny where she turns for guidance.
Jenny: I wouldn't really know where to go. And a couple of times friends of mine have said, " Oh, well, you can talk to so- and- so my financial advisor."
And I've said, " Well, how does that work? What did you pay them?" And they say, " Well, I don't know, I didn't really have to pay." So I suppose that's made me feel a bit unsure about how does that work.
But I think if I was in a relationship, I think I probably would feel a bit more adventurous about maybe moving or maybe traveling. Whereas I would be more cautious, and I'll do some of traveling definitely, but the options are slightly different when you're just doing it on your own, I think.
Shirley: I asked Liz where she would look for information on her pension future.
Liz: I wouldn't necessarily ask about pensions and I think I've left it a bit late now, and also not working, I can't put any money into it. I would ask about equity release. I would also ask that if I sold the house and I had sort of like half the money to invest, what would they suggest that I put that in? That would be what I ask.
Shirley: Well, let me ask you a question. Who do you speak to about money and finance? Who's your confidant?
Liz: My family basically, sort of my brother and my sister would be the main people I would speak to. My brother's very sensible, very switched on about things like that.
So I would speak to him for a sensible conversation, and I would speak to my sister just to sort of get it off my chest and say, " I don't know what I'm going to do." And then we'll come up with a plan or something, but it's never a very good plan. So my family basically would be the main people I speak to.
Shirley: And do you ever talk to your children about finances?
Liz: No. I don't particularly discuss it much with them. No, not really.
Shirley: Is there a reason, like for example, if you discuss it, do you think it's like a lesson for them when they move forward? Do you feel like it's, you just want to keep things more ...
See. My mother is a very private person and I feel always about sharing, even though sometimes my son doesn't want to hear about a will or a pension policy or this or that, I feel it's important to share the ups and downs I've been through in my life, so that perhaps when he comes across those kinds of ups and downs himself, maybe he can reflect back. Do you feel perhaps it would be worth talking to them?
Liz: Yes, I suppose so. I mean, my youngest daughter's probably far more sensible financially than I am. So she would probably talk to me and tell me where I've gone wrong.
So that's fine. She's very sensible. She's got her world, her life sorted. So financially, that's fine. The other one is not quite the same. And yeah, I mean they know the situation, they know that I've got a will, they know what's in it. We talk about that. But I suppose there's no point.
I don't talk about, " Oh, what am I going to do when I retire, because I won't be able to live off the state pension," because I have got a plan in place sort of, if it works. And also I wouldn't want to worry them, it's not their problem, so I wouldn't want to worry them. But yet, in a way that they could learn by my mistakes to encourage them, to look into things when they're younger and a lot earlier, is sensible.
Shirley: It's a tough decision to make for anyone to sell up and move to a new area, even if it does release some cash from your property. We'll talk a little more about the options available here later on. First I asked David what he thought the challenges were for a single person in retirement.
David: At the moment, if I retired now, I still have dad, but I mean, if I retired and he wasn't there, I would just be on my own. I'm a fairly outgoing sort of person. I mean, I would make myself go out and that for meals, or go out, but it's always very difficult.
If you go out for a meal and you're on your own, they either sit you've near the kitchen or in the middle of the restaurant or somewhere like that, or somewhere where nobody else wants to sit.
And what do you do? I mean, I've seen people on their own in pubs and restaurants and this sort of thing. And that's always, I think, a bit difficult and it's always very sad in one sense, but I wouldn't want people to pity me. I would just sort of try and find somebody to go out with, and so there were two of you to have a conversation.
So yeah, so loneliness, I think, would be one of the biggest challenges for a single person. But the plus side is obviously you can do what you want to do. So, if you want to get up early, you can get up early. If you don't want to get up early, you don't.
Shirley: You're on your own schedule.
David: You run your own show.
Shirley: You can always call me if I'm in the area.
David: Absolutely, Shirley. If I want a dance partner, I'll do that. Thank you.
Shirley: I'll try not to tread on your toes.
David: Thank you.
Shirley: How do you personally plan to find your way around the lack of workplace community?
David: Some people aren't that gregarious. They don't go out and want to do those sorts of things. And it's really, for some people, a real push to make them do something different.
And I think it's difficult. If you're working in an office, you get that daily routine, you get the same people, and you see the same people faces. They get to know you; they get to know your moods.
They get to know if you're in a good mood or a bad mood. If you're on your own, who do you talk to? You've got to really get a network of friends to be able to sort of go out to and say to them, "This is a problem. I've got a problem.
This is what I need to do." So, yeah. It's always a bit of a problem. But I think if you really want to make that effort, you can get out and do it
Shirley: My mom's 82, by the way, and she still gets out and about, and has friends and across to Liverpool and up doing her washing and ironing. Likes her own company. Never got married again after the first husband.
David: I mean, some people do and some people do like their own company. And I mean, I can quite easily spend the day in the garden or clearing the house and tidying and this sort of thing.
I just would not be able to sit. I mean, some people say, " Oh, I just like to sit down and watch the television." I couldn't do that all day every day. I mean, it's nice to watch some programs, but you've got to really sort of get out and do things, otherwise you just.
Shirley: I asked Jenny, if she thought her social life would change when she stopped working.
Jenny: Yeah, it does provide friendships and it does provide stimulation and structure. But I suppose I do think you can find that in other ways. I suppose I've seen people replicate some of that through voluntary work or hobbies.
But no, I think it's easy to underestimate maybe the positives of work. You know, I've lived here for 20 years. One of my sort of best friends lives around the corner. I've got nice ... You know, I obviously have got to know quite a lot of people.
It's more that, that I would be really conscious of if you move, what's that like? But then I have also got friends and even my parents who moved at a similar age to me and they very quickly make new connections and friends.
Shirley: Planning for your future when you're solo can be a different game, not just from a financial standpoint, but also in terms of your relationships, living situation and those who depend on you for support.
If that's you, hopefully today's conversations have reassured you that there are many people out there facing the same questions and decisions. In each episode, I get a chance to put these questions to the experts.
And today I'm joined by Chris Knight, the CEO of Legal & General Retail Retirement, and Joe Hemmings, a behavioural psychologist and author. It's great to talk to you, Joe and Chris. Joe retirement is a big life change for anyone to navigate emotionally. What added dimensions do you think being solo, whether that's single, widowed or divorced brings to this?
Jo: I think it's all about emotional preparedness. I think if you're single and you've been working or you're, solo and you've been working, what you've had for a great deal of your daily life is the companionship and camaraderie and company of other workers, colleagues.
And that's a big chunk of a week. You may be used to being on your own in the evening or at weekends, but to have that taken away can be quite a difficult thing for some people. So I think knowing, being prepared and planning in advance or knowing that bulk of your hours, though you may have been working well with other people, you will need to sort of think about replacing that with other company.
Shirley: Do you have many clients who are approaching a retirement change? What sorts of questions do they come up with?
Jo: The ones who've come to me are often the ones who were dreading it, who were very fearful, who wondered how that third trimester of life was going to pan out. Didn't know what to do. Needed reassurance.
But they're the ones, sometimes, who have already been thinking about it a bit. The ones who I think need it most, who probably wouldn't come to me, are those that think it's going to be fantastic. It's going to be a breeze.
It's going to be marvellous. I won't look back. And they're sometimes the ones who actually have the biggest shock to their system, if you like, rather than the ones who anticipate it's going to be quite different.
Shirley: You must hear some inspiring stories.
Jo: Very inspired by lots of people. I think together we've made a sort of plan about what they'll do, and things that they may feel a bit uncomfortable about in the first instance; they'll give it a go.
It's all about finding what feels right for you and adjusting to it. Nobody goes into retirement suddenly saying, " I'm going to go on holiday on my own. I'm going to go out for dinner every night on my own." These are things that you choose. You see if you like them, how do you adjust to them?
Making new contacts, new friends, and new associations. So it's getting that balance and knowing that things are going to change and how just taking baby steps to changing them, it doesn't have to be an overwhelming all at once significant change. But yeah, I've been pretty impressed by some of my clients.
Shirley: Are people more worried now about coronavirus?
Jo: Well, I think there are three C three key things to remember here. Due to the coronavirus epidemic, actually, if there's any positive takeaway, it's that some of these people living on their own will have met neighbours they have never met before.
So they've been a community around them that perhaps they just hadn't had the time or thought about getting to know before. But that's one of the key things. To know, actually, and we're talking about stats, but actually they're more single people living in this country than ever before.
So you will not be alone in that situation. So do not be fearful about reaching out to communities, to other people, to getting to know new people, however you do it. Via going to the gym or a local organization or community centre. That's really important.
Secondly, I say, make technology your friend, because lots of older people have got by without really using any technology at all, apart from their phones. And there's a whole world out there that's quite easy to use, that will keep you in touch with friends and relatives on video calls, that will get you onto social media. I mean, there's so much information out there. It's not that hard, even if you've ignored it up to now.
Get to learn it, because it really will be your companion.
And thirdly, on a practical level, there are so many free things to do. So even if you're fretting a bit about how far your money is going to stretch, anybody in any town or near a town, will have loads of free things to do.
They could be art galleries, museums, events. There's so much out there that costs no money at all. And it's a great way of getting out. And it's a great way of meeting other people too.
Shirley: Chris, it's great to have you back again. Our rewirerees have talked about being unsure where to go for advice. How do you cut through all the jargon that's out there?
Chris: Yeah, there is an awful lot out there, isn't there? First of all, your existing pension providers should be sending you something called a wake up pack, which will give you some useful information.
So have a look at that and go onto their websites, and maybe go onto the websites of some other providers. There's a couple of really good free sources out there.
There's Pensionwise, which is a government backed organization. You can actually get free advice conversations when you get to retirement. And lots of people find them really, really helpful. So definitely go onto Pensionwise.
There's also the money advice service, which again, it's a government thing. So it's very independent and that gives you a lot of help if you want to shop around, because people really should look to shop around.
Or your employer or your pension scheme you're a member of, probably gives you some access to financial advice too. Or you can go onto something like unbiased. com and get the name of a local financial advisor in your area.
But take time to do it. There's no rush. And if you can bring yourself up to speed and people get themselves informed, they'll feel much better about it. They'll feel much more confident to make the right decisions for themselves.
Shirley: The stats show that women often retire with smaller pensions than men. Why do you think that is?
Chris: Yeah, Shirley, unfortunately that is often quite true. And it's largely to do with what happens during a women's working lives, which tends to mean that either they or their employers pay less money into pension pots.
So for example, women are more likely to take career breaks at some point during their career, either to look after children or to look after other relatives. And they're more likely, women are more likely to have worked part time or in other kind of areas or roles, where in the past there wasn't such great pension provision. And then of course, there's that sort of famous salary gap, where women have earned less than men in the past.
So from that perspective, they often have smaller pots to work with. And the other truth is that women tend to live longer than men as well. So the smaller pots that women have tend to have to stretch that bit further. I think it's worth saying that studies sometimes show that women are a bit less confident than men in the sort of financial planning area.
That's not really true. I mean, women are just as good if not better than men, about making the right decision. So that again, if they take the time to get themselves informed and look at all their options, they can be in a much better place.
Shirley: Jo, what is a healthy, mental approach to retirement?
I stayed in bed there the day till 10: 30. I was so upset for 48 hours.
I tell you, I couldn't get it out my mind that I didn't feel productive. I have to get up. Well now with the coronavirus eight o'clock, but normally I'm up at six.
Jo: You can still do something productive Shirley, [inaudible 00:27:24].
Don't forget that. I don't think you should be too hard on yourself. I think it's perfectly okay to lie in bed until 10: 00 AM on your first day or two, after a time and possibly even your first week.
But no, I don't think it's a very good pattern to keep, but I understand how you might just want to see what it feels like. If you've been getting up for years at six or seven o'clock in the morning, there's going to be a (inaudible) just to see what it feels like to lie in bed till 10.
So I expect people to do it for a couple of days, of course. And then I think you need a sense of purpose. You feel that you've got to do something, you can't spend the rest of your days in bed.
Though there's nothing wrong with a few lie ins.
So don't be too hard on himself.
Shirley: Lots of people we've talked to say they are looking forward to more time socializing and traveling. But as David said there, you don't always want to go out to dinner alone. What other opportunities are there to enjoy these things in later life when you're on your own?
Jo: Well, as I mentioned earlier, there are opportunities for socializing through organizations, through cinema clubs, theatre clubs, whatever your interest is, art, your hobbies, walking. I mean, there it is all there before you, but there's also the possibility of dating in later life.
If you're single and you want to meet somebody. I have a lot of clients who are well past retirement age, who are still having a ball, enjoying meeting people online. And they don't have to go out for dinner on their own because they have someone to go out with.
So all that freedom, it's like being 18 again, but with a little bit more money and a little bit more sense and more liberation. So I would always encourage people to do that, if that's what they want to do. There's definitely no time limit on the dating side of things.
Shirley: Oh, I'm glad you said that. Thank you.
Jo: Oh, Shirley. You and I need to have a separate conversation.
Shirley: I would like to have a separate conversation, I think. There's a few things I'd like to ask, actually. I think David raised a good point about having someone to talk to when the unexpected happens. How important is a good support network?
Jo: Well, it's very important. I mean, but it's a two way process. So I think often you get fulfilled by supporting somebody else as well. I think, again, this is something coronavirus has showed us.
There's always someone more vulnerable than that you can help. And that makes us feel good. But yes, knowing that you've got one or two people who will be there for you, come what may, and doing that sort of swap so you're there for each other, is incredibly important.
Again, it's a safety net, a sense of security and companionship and friendship. These are things that we value so much more in retirement, because they become that much more a priority and that much more significant.
Shirley: Chris, it must be even more important to consider how you'll fund your retirement when you're on your own.
Chris: Yes Shirley, I think that's absolutely true. I think that's true both for retirees who don't have partners and for people who are retiring and don't have children. There's a million people age over 60 that don't have children.
And I think sometimes they get left out of the debate. But not having a partner or a support network can make things more expensive. So people thinking about that might want to think about having a higher rainy day fund than they would otherwise do.
People might also want to think about their insurance and making sure that they have protection there. And finally, maybe thinking about products that provide guarantees, like guarantees of income. So you don't have to worry or rely on anybody else.
Shirley: When people have divorced, their pension situation may also change. It's often the last thing on your mind to sort out. What guidance can you give on navigating this?
Chris: Yeah, look, I mean, divorce is a complex thing and pensions are a complex thing as well. So putting the two together is really doubly difficult.
And I think often pensions are the things that get left to last if you like in a divorce. So as well as getting good kind of legal advice, you might want to get good financial advice at the same time.
I mean, one interesting situation that often happens with divorce is that sort of one person, so often the woman, would end up with the house maybe, and the other person in the divorce has kept to the pension assets and that's all fair and above board and everything else, but it does mean that the one with the house, the woman might need to use the house more to fund retirement than use pension assets.
And you know, it's a bit more complicated. It's definitely not impossible, but it's definitely worth thinking about and getting some good financial advice on that too.
Shirley: Chris, are there some more practical things people can do to afford the retirement they want? Does Jenny have to choose between the neighbourhood she's always known or having a bit more cash in retirement?
Chris: Well look, downsizing into another property or an age specific property in your neighbourhood might be a really good idea.
And there are, these days, more variety of those kinds of properties available. At Legal In General, we're investing in those things too.
But if you really want to stay in your own home, then a lifetime mortgage, which is a type of equity release, might be a good option too. You're going to stay in that house forever.
And you don't have to worry about that. And the lifetime mortgage can provide you with some cash, either sort of as a lump sum or as a regular payment or some sort of combination of the both.
So it's quite flexible. So it does reduce the value of the inheritance if you want to leave that to the next generation, but you can also kind of earmark a part of your house to be left to the children or grandchildren.
That's called inheritance protection, which is becoming increasingly popular. So for many people, that's a really good option, but they should definitely talk to a financial advisor.
Shirley: When you die, does the equity release people take all your home or do they only take the portion that you've taken out for equity release?
Chris: No, that's a really good question, and people often worry about that. No, the house gets sold and then you pay back to the equity release company just want you owe them. So it's the 30, 000 pounds. And yeah, if you've paid the interest, then it's just 30,000 pounds, but you can also not pay the interest, because many people, they can't afford to pay the interest, they don't want to pay the interest.
Shirley: And then that gets taken out.
Chris: Exactly. Yeah, exactly. There used to be, in the old days, those kinds of products, but fortunately those products, they're not out there anymore. It's a much better kind of environment than it used to be, to be honest.
Shirley: Chris is equity release for everyone?
Chris: No, Shirley. It's not for everybody, but we think it would help a lot of people. But the key thing is to get some good financial advice. So, find a good financial advisor and talk to them about it.
Shirley: Thank you. Some truly helpful thoughts on making sure you're ready financially and emotionally for solo retirement. Hopefully you can have some action points and ideas to help you feel comfortable and enjoy the retirement you deserve.
You can find out more about retirement planning at legal&general. Com/ retirement. In our next episode, we'll be talking about how to fund your dream retirement. Whether you want to tour the nation on a narrow boat, start a business or pack off to the sunnier shores.
Subscribe on your podcast listening platform, and you'll get it on your device as soon as it's available. Thanks for listening.
I'm Shirley Ballas and I'll catch up with you next time.
How do you ensure you have enough money to fund the retirement you'd like? What are the options to provide you with an income? This episode tackles these questions and more, making sure you are well informed to make plans.
Shirley Ballas chats to people approaching this exciting stage in life and gets advice from financial experts - Holly MacKay, editor of website Boring Money and Emma Byron who is Managing Director of Retirement Income at Legal & General.
CEO, Legal & General Retail Retirement
Chris' focus in the Retail Retirement division is helping individuals lead longer, healthier, happier lives. Together with his team they have helped over half a million customers to live their own 'colour retirements' with a range of products and services including annuities, lifetime mortgages and care solutions.
Jo Hemmings
Behavioural Psychologist
Jo is a qualified and registered Behavioural Psychologist, relationship coach, TV and radio personality. She's the UK's best known and respected celebrity psychologist. She regularly appears on Good Morning Britain as well as many other TV shows. She is also the author of five successful books on psychology and relationships.
Listen and subscribe in your preferred podcast player
Other podcasts available
How coronavirus might impact your retirement income How coronavirus might impact your retirement income
Approaching retirement - a new beginning Approaching retirement - a new beginning
Moving from full time work to retirement Moving from full time work to retirement
Financial planning for retirement Financial planning for retirement
Attitudes to spending in retirement Attitudes to spending in retirement
Sharing money with the family Sharing money with the family


text:
Booth Applications
Vendor Booth Applications
Non-Profit Booth Applications
Salsa Contest
Helping Food Pantries Feed People
This year's Tomato Fest 2019 will take place on September 7th Downtown Auburn, New York.
Our featured concert Saturday night 8 pm at Auburn Public Theater
Jukin' Bone
By far the biggest news is that Jukin' Bone has recorded a brand-new studio album, their first in 44 years! With original members Joe Whiting, Mark Doyle, George Egosarian and John DeMaso Miralles, the band enlisted special guest Josh Dekaney on drums and percussion and wrote 9 brand new original songs and also laid down their interpretation of the classic "Today I Sing the Blues." Writing commenced in secret directly after the Sammy Awards last March (where Jukin' Bone was inducted into the Hall of Fame) and continued until recording sessions proceeded over the summer at More Sound and Near Miss, with Mark producing. Spurred on by all of the good will generated by the HOF Award, the band asked themselves the question, "what if we had another chance to finally make the record we always knew we could make?" Well, guys, mission accomplished! …..Jukin Bone Website
Festival opens at 11am Saturday
Shopping all day long Saturday!
Hand-crafted soaps, jewelry, maple syrup, wood carvings, jams, hand-woven baskets, alpaca wool clothing, metal sculpture, hand-made doll clothes and much more.
Locally grown produce and flowers.
Home improvements, communications, housewares, clothing.
Family Fun, Good Food, Crafts, and Great Entertainment
Family Fun activities 11am to 6pm Saturday in the Auburn Public Theater.
Music all over downtown: 11am to 8pm Saturday.
is available at the City of Auburn parking garage which is adjacent to the festival. The garage is located at 1 Lincoln Street.
Donations of non-perishable food items are appreciated.
Volunteers will be collecting donations at the entry points on Genesee, State and Exchange St.
Since its inception in 1985, TomatoFest has raised over $300,000 and collected more than 13,000 canned goods to help feed the hungry through donations to participating area food pantries.
All food pantries receiving donations from TomatoFest are affiliated with the Central New York Food Bank. Every $1 provides an entire meal! Last year 873,148 meals were provided in Cayuga County. Hunger affects parents and children, and your support truly affects their lives.
The first "festival", only a few hours long on a Sunday afternoon, was created to bring the community together and provide a public venue for not-for-profit organizations. A few hundred people turned out, and when all was said and done a small profit was realized. People from all over Central New York come to enjoy the great food, music, crafts, and entertainment for the whole family. The name TomatoFest was selected because the festival is held at the end of the tomato season, and the thought of canning or "putting up" the harvest reflected the support of local food agencies.
A volunteer Board of Directors provides their services throughout the year, striving to make each festival a memorable event for everyone who attends. This year's festival will be fresh and better than ever so make plans to bring your friends and family to a fun-filled weekend at the 33rd annual TomatoFest, on September 7th and 8th, in downtown Auburn, NY.
Support TomatoFest!
CONTACT FACEBOOK
© 2016 Tomatofest of CNY, P.O. Box 1611 Auburn NY 13021
Site designed by TomatoFest sponsor Coburn Design, Inc.

redpajama_set_name: RedPajamaCommonCrawl


Run time: 92 mins. Aspect ratio: 1.78: 1. Originally released: 2017. Language: English. Ex) Library Copy. Moderate wear. Typical library stampings, stickers and markings. FRONT DVD ARTWORK IS CLIPPED, PLEASE NOTE!
Run time: 92. BRAND NEW Amazing low price.


This book tells the fascinating story of two young men, one Indian and one white, who became stranded in the Rockies in early winter with only the clothes on their back. Resorting to primitive methods of making fire, weapons, shelter and clothes, they survive a frigid winter, and have numerous fantastic adventures. Although the book is fiction, it is based on a story told by a well-known fur trader who had lived most of his life among the Western Indians.
When in the seventies I turned my back on civilization and joined the trappers and traders of the Northwest, Thomas Fox became my friend. We were together in the Indian camps and trading posts often for months at a time; he loved to recount his adventures in still earlier days, and thus it was that I learned the facts of his life. The stories that he told by the evening campfire and before the comfortable fireplaces of our various posts, on long winter days, were impressed upon my memory, but to make sure of them I frequently took notes of the more important points.
As time passed, I realized more and more how unusual and interesting his adventures were, and I urged him to write an account of them. He began with enthusiasm, but soon tired of the unaccustomed work. Later, however, after the buffalo had been exterminated and we were settled on a cattle-ranch, where the life was of a deadly monotony compared with that which we had led, I induced him to take up the narrative once more. Some parts of it he wrote with infinite detail; other parts consisted only of dates and a few sentences.
He was destined never to finish the task. An old bullet wound in his lung had always kept him in poor health, and when, in the winter of 1885, he contracted pneumonia, the end was quick. His last request was that I would put his notes in shape for publication. This I have done to the best of my ability in my own old age; how well I have done it is for the reader to judge.
Brave, honest old Ah-ta-to-yi (The Fox), as the Blackfeet and frontiersmen loved to call him! We buried him on a high bluff overlooking the valley of the Two Medicine River, and close up to the foothills of the Rockies, the "backbone-of-the-world" that he loved so well. After we had filled in the grave and the others had gone, Pitamakan and I sat by the new-made mound until the setting sun and the increasing cold warned us also to descend into the valley. The old chief was crying as we mounted our horses.
"Although of white skin," he faltered, "the man who lies there was my brother. I doubt not that I shall soon meet him in the Sand-hills."
Note: The original book did not have named chapters. The chapter headings in this version were provided by the Heritage History editor to aid in navigation.


Photograph on right © Rick Sammon. All rights reserved.
One of my favorite paintings is, "Girl with a Pearl Earring" by the Dutch master Johannes Vermeer. The painting has been referred to as, "The Mona Lisa of the North." Hey, I like it even better than the Mona Lisa.
One of my favorite movies is "Girl with a Pearl Earring," starring Scarlett Johansson.
Both the painting and the movie inspired today's shoot. I wanted to recreate the lighting and look and feel of the portrait with my digital camera and bit of Photoshop work. I made the portrait in my office – I don't have a studio.
I'm kinda jammed right now, but tomorrow or the next day I will show you some behind-the-scenes shots from the shoot. I'll also share the tech info on the making of the "Girl with a Pearl Earring - The Photograph."
Okay, a quick tip: I used the Portrait Smooth effect in Topaz Adjust to smooth out the model's skin. For more on Topaz Adjust, click here.
For now, try this type of "self assignment" at home. After all, it's Sunday, a day off for many folks. Find a painting that you admire, see the light, note the props, and try to make a photograph that looks like the painting.
I teach stuff like this on some of my workshops and at my seminars. Join the fun!
Check out this fun video. Educational, too!
Juan Pons and I shot these segments during the making of our DVD on the how to shoot HD videos with the Canon 5D Mark II and Canon 7D (due out early next year).
We have fun in the videos, but we give some serious HD video - and sound – shooting tips!
Yes, the "backin' up" effect was inspired by the Gregory bothers popular video, "The Backin' Up" song on YouTube.


FRAMINGHAM, MA, Aug. 5, 2013 (Marketwired via COMTEX) — IDG's CIO Executive Council — a member-led executive organization of global business leaders working to drive value from the intersection of business, information technology and strategy — announces a new innovation workshop in partnership with Imaginatik plc, a global leader in innovation management, at the CIO 100 Symposium on Aug. 11, 2013. The workshop, entitled "The New CIO: Chief Innovation Officer," is offered exclusively to members of the CIO Executive Council and Pathways Leadership Development participants.
Luis Solis, President, NA of Imaginatik, will lead the interactive workshop program focused on the Current Innovation Maturity state of many IT organizations, the six faces of a Chief Innovation Officer, and a highly collaborative experience to help attendees determine personal next actions.
"Our CIO members sit at the helm of constant technology disruption and will walk away from this workshop with a tailored action plan to accelerate their personal innovation development," said Stenson.
The private workshop kicks off the CIO 100 Symposium in Colorado Springs, CO on Aug. 11, 2013 for CIO Executive Council members and complements the overall event theme of "Thriving in an Age of Disruptive Innovation." During the symposium, many of the CIO 100 award winners will offer their expertise on IT strategy, business model shifts and evolving customer needs. The event concludes on the evening of Tuesday, Aug. 13, 2013 with the annual gala awards dinner and reception to celebrate the achievements of the CIO 100 winning companies.
There are a limited number of non-member passes for this exclusive session. Please reach out to Pam Stenson at pstenson@cio.com for more information. For further information about the speaker Luis Solis, visit www.linkedin.com/in/lfsolis.
To learn more about the CIO Executive Council and how to become a member, visit council.cio.com/join-us/ or call +1 508-766-5696.
Imaginatik(R) is the world's first full-service innovation firm with 17 years of experience building innovation into a sustainable competence at some of the world's largest and most respected companies. Through a mix of consulting and advisory, hands-on innovation projects and program management, and award-winning enterprise software platform, Imaginatik helps clients develop innovation capability into a permanent competitive advantage. Imaginatik is the trusted partner of leading organizations including Blue Cross Blue Shield, CSC, Ladbrokes, The World Bank, Cargill, Mayo Clinic, The Chubb Group of Insurance Companies, HCA, Windsor Foods, Dow Chemical, and Goodyear.
Imaginatik is a public company whose shares are traded on the AIM market of the London Stock Exchange and is a World Economic Forum Technology Pioneer with offices in Boston, MA, and Fareham, UK. For more information visit www.imaginatik.com.
CIO Executive Council is a member-led executive organization of global business leaders working to drive value from the intersection of business, information technology and strategy. Through peer reliance, collaboration and outreach, members apply the knowledge, insights and best practices of their peers to the success of their enterprises and their own personal achievement. Launched in April 2004, by the parent organization of CIO magazine, the Council is comprised of hundreds of the world's leading chief information officers. To learn more about CIO Executive Council, please visit their website at http://council.cio.com/. CIO Executive Council is part of IDG Enterprise, an International Data Group company. Company information is available at http://idgenterprise.com/.


text:
Opthea's Lucentis/VEGF 'trap' combo outshines Lucentis alone in wet AMD
by Amirah Al Idrus |
Sep 6, 2019 11:24am
The combo beat Lucentis at reducing the area of abnormal blood vessels in patients' eyes by 38% and at cutting the total area of scarring by 39%. (Pixabay)
Roche, Novartis, Regeneron and Bayer have made blockbusters of their anti-VEGF eye meds—the first two companies market Lucentis and the latter pair Eylea. But combining Lucentis with a new drug that targets different forms of VEGF could yield even better results in wet age-related macular degeneration (AMD), phase 2 data show.
Wet AMD is caused by the growth of leaky blood vessels in the eye, which leads to scarring in the retina and the death of photoreceptors. Lucentis and Eylea combat this growth by inhibiting a VEGF protein called VEGF-A. Melbourne, Australia-based Opthea is working on a new drug that targets other VEGF proteins—VEGF-C and VEGF-D—for use in combination with VEGF-A drugs. Like Lucentis and Eylea, Opthea's drug is injected directly into the eye.
Opthea tested two doses of its drug, OPT-302, in combination with Lucentis in a 366-patient phase 2b study. Last month, it reported that the combo bested Lucentis at improving vision, as measured by Best Corrected Visual Acuity, or the best vision a person can achieve wearing glasses or contact lenses using a standardized eye chart. After 24 weeks, patients on the combination with the higher dose of OPT-302 could read an average of 14 letters more than they could before treatment, while patients on Lucentis alone read an average of 11 more letters.
Like this story? Subscribe to FierceBiotech!
Biopharma is a fast-growing world where big ideas come along every day. Our subscribers rely on FierceBiotech as their must-read source for the latest news, analysis and data in the world of biotech and pharma R&D. Sign up today to get biotech news and updates delivered to your inbox and read on the go.
Now, at the European Society of Retina Specialists EURETINA 2019 Congress, Opthea is unveiling more data showing how the combination treatment affected the structure of the eye.
The combo beat Lucentis at reducing the area of abnormal blood vessels in patients' eyes by 38% and at cutting the total area of scarring by 39%. The study also looked at fluid that had leaked into the space under the retina, finding that fewer patients on the combo had subretinal fluid after 24 weeks compared to those taking Lucentis alone.
RELATED: Kodiak's AMD med posts promising phase 1b data in 3 eye diseases
"Together with the previously reported superiority in visual acuity gains, the further data analyses support the primary outcome of the study and demonstrate that OPT-302 has direct mechanistic effects on wet AMD lesion pathology," said Opthea CEO Megan Baldwin, Ph.D., in a statement.
"These compelling results clearly support advancing OPT-302 into pivotal registrational Phase 3 development," Baldwin said on a conference call last month. "We firmly believe that OPT-302, which was designed specifically for the eye as the first 'trap' inhibitor of VEGF-C and VEGF-D, which are part of the most validated target pathway in back of the eye diseases has considerable potential to improve outcomes in wet AMDand other retinal vascular diseases."
The company is also testing the drug with Eylea in diabetic macular edema, a consequence of diabetic retinopathy in which high blood sugar damages the retina's blood vessels. Fluid builds up in the macula, which is in the center of the retina, making it swell and distorting vision. It expects topline data from a phase 2a study in early 2020.
Opthea isn't the only company seeking to improve upon today's anti-VEGF meds, which can be unappealing to patients because they are injected into the eye. Kodiak Sciences is working on a drug that has a longer ocular half-life, meaning it sticks around in the eyes for longer, which would allow for patients to go longer between injections. The company reported data in July that the candidate, KSI-301, improved vision and reduced retinal thickening in patients with AMD, diabetic macular edema and macular edema stemming from retinal vein occlusion.
age-related macular degeneration eye disease Eylea Lucentis Roche Genentech Bayer Regeneron Pharmaceuticals Australia
Researchers show Fitbits can help track flu outbreaks
By employing heart rate signals, physical activity and sleep quality, common Fitbit trackers may be able to predict the spread of the flu.
by Conor Hale Jan 17, 2020 2:20pm
Foxconn backs digital X-ray startup Nanox's $26M round
Nanox has raised $26 million to help fuel the development and commercialization of its "Star Trek"-inspired digital X-ray bed.
by Conor Hale Jan 17, 2020 10:16am
JPM: Execs on where the industry should look beyond cancer
Oncology is clearly a major medical and societal issue, but one that sees too much focus from biopharmas at the expense of other killers.
by Ben Adams, by Amirah Al Idrus Jan 17, 2020 10:05am
Amirah Al Idrus
https://twitter.com/amirahalidrus


text:
AFP and RBA websites hit by DDoS attacks
on November 20, 2013 |
DDoS Attacks DDoS Protection Specialist Defend Against DDoS DoS Attacks Stop DDoS
The websites for the Australian Federal Police (AFP) and the Reserve Bank of Australia were hit overnight by distributed denial of service attacks claimed to be brought about by Indonesians angry over the leaks that reveal Australian Signals Directorate (ASD) had been tapping the phones of high ranking Indonesian government officials, including President Susilo Bambang Yudhoyono.
The AFP's website was for some time overnight but was restored this morning, with one Twitter user claiming responsibility for bringing the sites down using the hashtags #AnonymousIndonesia and #IndonesiaCyberArmy.
The AFP said it was taking the attack "very seriously" but said that no sensitive information was hosted on the public-facing website.
"The AFP website is not connected to AFP IT systems. The AFP website is not hosted by AFP ICT infrastructure. It is hosted by a third party hosting provider," the AFP spokesperson said in a statement.
The spokesperson said he was not at liberty to divulge the name of the hosting company. The AFP said the attacks were irresponsible and would not influence government policy.
"Activities such as hacking, creating or propagating malicious viruses or participating in DDOS attacks are not harmless fun. They can result in serious long-term consequences for individuals, such as criminal convictions or jail time," he said.
"AFP Cyber Crime Operations identifies, investigates and prosecutes individuals or groups for offences committed against Australian critical infrastructure and information systems."
The RBA's website was affected by the DDoS attacks, but a spokesperson for the RBA denied that the website had been brought down.
"There has been no outage but the Bank's website has been experiencing access delays for some users," the spokesperson said.
"The bank has DOS protection for its website, which has been effectively deployed. The bank's website and systems remain secure."
The attacks come as Australia's relationship with Indonesia continues to strain in the wake of the phone tapping revelations leaked earlier this week by former NSA contractor Edward Snowden. Prime Minister Tony Abbott is facing increasing pressure from the Indonesian government to explain the revelations.
Source: http://www.zdnet.com/au/afp-and-rba-websites-hit-by-ddos-attacks-7000023451/
Link11 Discovers Record Number of DDoS Attacks in First Half of 2021
July 15, 2021 - 0 Comment
A New Wave of DDoS Extortion Campaigns by Fancy Lazarus
June 16, 2021 - 0 Comment
'Fancy Lazarus' Cyberattackers Ramp up Ransom DDoS Efforts


As Tony Baretta liked to say, "You can take dat to da bank." Robert Blake was already a bankable star - he'd been acting since age 6 - when he signed on to play the unorthodox plainclothes detective with many disguises, sidekicks Billy and Rooster, and a scene-stealing cockatoo named Fred. The role earned Blake an Emmy®, and the series ran for four successful seasons on ABC (1975-78), setting the standard for gritty, realistic TV cop shows. 12 episodes, 10 ¼ hrs, 3 DVDs, CC.


The Breeze aluminium poster case with powder coated frame and internal magnetic backing. The board has a 45mm frame and single top hinged door glazed with 3mm thick perspex and a choice of either Allen key or key lock. As standard sizes A4 up to A1 are portrait position with side hinged door. A1 up to 60" x 40" are supplied in landscape position with top hinged door and door stays.
Supplied with traffic railing fitted to the reverse and clips.
Header shapes are available in two shapes, arc and straight. The price includes a header complete with text and logo if required. An artwork proof is always supplied prior to print. Header Panels will need to be mounted seperate to the board.
Delivery normally 20-25 working days. Please call if your order is urgent.
Also available wall and post mounted.
Colours shown on this website are a digital representation only.


text:
Board Games RPG Minis Kickstarter Terrain Popular More...
May 29, 2017 by Polar_Bear
Samhain Board Game Up On Kickstarter
The Romans. They're one of history's most prolific conquerors. But they certainly met with a fair share of resistance from those they were looking to enlighten with civilization (or "enlighten" with "civilization," depending on which side of the Loricae Segmentata you were on). In Samhain, the Romans are looking to conquer the Celts, and the Celts are looking to resist. Which side of the pilum will you be on? The game is up on Kickstarter now.
From the campaign:
First Century B.C., Julius Caesar advances - unrelenting - with his legions. The Romans are now close to the heart of the Celtic lands, where the ancient traditions are still alive and instill courage and determination for the last stand against such a mighty enemy...
We are proud to introduce you to the campaign for the realization of Samhain, a board game by Alessandro and Mauro Chiabotto, published by Giochix.it, for 2-4 players that lasts about 60 minutes.
The campaign is doing well. It's more than 5x funded with still 25 days left to go.
Board Games Crowdfunding Giochistarter Kickstarter News Samhain
Sign In to Add Comments
Geek Fever Games and DPH Studioz Teaming Up
Monday Terrain Corner
Ultimate Boardgame Backpack
© 2021 BV Software | RSS


text:
Arsenal morning headlines as Napoli ace targeted as Aubameyang replacement, Ozil sent warning
All the latest Arsenal news, views and transfer rumours from football.london as Mesut Ozil, Arkadiusz Milik and Rob Holding dominate this morning's headlines
Adam NewsonChief Chelsea correspondent
Napoli striker Arkadiusz Milik is being linked with a move to the Emirates Stadium. (Image: Francesco Pecoraro/Getty Images)
Here are your Arsenal morning headlines on Monday, June 1.
Cascarino: Only Ozil can stop criticism
Mesut Ozil will never escape criticism at Arsenal until he justifies his £350,000-a-week salary, according to former Chelsea forward Tony Cascarino.
The German star signed a lucrative three-and-a-half-year deal in January 2018 but his performances have deteriorated and he has struggled to hold down a spot in the starting 11 this season under Unai Emery and Mikel Arteta.
And Cascarino feels the 31-year-old playmaker - whose languid style is often perceived as laziness - needs an inspirational dressing room leader to bring out the best of Arsenal No.10.
He told TalkSPORT: "You have to be real on this, because when you pay someone a huge salary compared to everyone else at a football club, he has to make the difference on the field.
The winners of our Arsenal Awards 2019/20 have been named
"So that's going to come with criticism, as much as you might think it's unfair and some people think it's bullying, it carries a price.
"When you watch The Last Dance and you see how Michael Jordan got more out of a player, you sort of think you wish Arsenal had that type of player to get more out of Mesut Ozil.
"Not just the manager, but a player sitting next to him in the dressing room who might be thinking 'you're not doing enough'."
Gunners chasing Polish star - reports
Arsenal continue to search for a long-term replacement for Pierre-Emerick Aubameyang and could reportedly make a move for Arkadiusz Milik this summer.
Italian outlet La Repubblica, per Football Italia, report Napoli are prepared to sell the 26-year-old at the end of the season as they do not want to lose him for nothing when his contract expires in the summer of 2021.
The Arsenal legend who Paul Scholes has described as his toughest ever opponent
Wonderkid 'confirms' Arsenal transfer move as warning sent about Aubameyang successor
Juventus have been linked with Milik but Napoli do not want to sell to the Bianconeri and are prepared to give Premier League sides a discount on the striker's £45million asking price.
Chelsea and Tottenham Hotspur have previously been linked with the Poland international but Arsenal are supposedly now the main contenders to sign Milik, who has struck 12 goals in 22 games this season.
Holding departure not ruled out
football.london understands Arsenal will not discount bids for Rob Holding this summer, although the club will not actively attempt to sell the centre-back.
How to get our daily Arsenal newsletter
In each football.london Arsenal bulletin, we'll be bringing you the latest breaking news, transfer features and comment pieces, as well as the key talking points for fans.
Simply type your email address into the box at the top of this article - or any article on the Arsenal section of football.london in fact - labelled 'Get the biggest daily stories by email' and click 'Subscribe'.
Holding has made just nine appearances for the Gunners this season and has struggled with his comeback from an anterior cruciate ligament rupture suffered against Manchester United in December 2018.
The 24-year-old initially returned to action in September but later suffered deep bruising to his knee and was kept out for a further two months.
Holding has started just once under Arteta and while not top of the Gunners' list of potential defensive outgoings this summer - Shkodran Mustafi and Sokratis Papastathopoulos are more likely departures - the club will entertain offers if they're made for the former England Under-21 international.
Rob Holding
football.london Live BlogArsenal transfer news LIVE: Jorginho shirt number, Caicedo off, Tielemans inquiry, Lokonga exitArsenal transfer deadline day news: Stay tuned as we bring you all the latest transfer rumours and news from the Emirates Stadium on deadline day


text:
Any personal interest of a reporter or presenter, which would call into question the due impartiality of the programme, must be made clear to the audience. For example, if a guest presenter or reporter had close connections to one political party and was reporting on a politically sensitive issue, it would be appropriate to alert viewers to the individual's political allegiances. Producers must ensure that all presenters and reporters are briefed about this requirement and that they have appropriate procedures in place to ensure that they become aware of any personal interests that could impinge upon the perceived impartiality of a programme or programme item. If in doubt, please seek advice from the programme lawyer.
Presenters and reporters in non-news programmes (or a chair in a discussion programme) can express their own views on matters of political or industrial controversy or matters relating to current public policy as long as alternative viewpoints are represented and due impartiality is achieved either within the programme itself or within a series of programmes taken as a whole.
"Personal View" or "Authored" Programmes
Personal view or authored programmes which present a particular view or perspective must be clearly signalled to viewers as being so at the outset. Viewers' expectations are likely to be different if they know at the outset that what is being presented to them is acknowledged as being someone's personal view. However, such programmes require careful handling and merely signalling a programme or programme item as being "personal view" may not be enough to discharge entirely impartiality requirements. Producers must seek advice from the programme lawyer at an early stage.
Undue Prominence of Views and Opinions
Undue prominence must not be given to the views and opinions of individuals or bodies on matters of political or industrial controversy or on matters relating to current public policy, taking into consideration everything that is broadcast in relation to a particular issue, over an appropriate timeframe. This requires broadcasters and, in particular, commissioning editors and senior editorial executives to think carefully about how particular subjects are being dealt with generally by the channel with a view to ensuring, cumulatively, that output is duly impartial.


Real Estate Professionals was founded in 1997. Locally owned and operated and the largest "non-franchised" office serving Paradise.
Situated in the beautiful Northern California Sierra Foothills, Paradise is all it's name implies! Just above the Sacramento Valley floor at approximately 2000' elevation, our small community of 28,000 is the perfect place to retire. In addition to our Auditorium & Theatre on the Ridge, we are just 10 minutes from metropolitan Chico, which also offers many cultural and educational events.
We are a full service company and our goal is to help you find the property to call home. If you're selling, we can help you sell for top-dollar. Choose us and we promise to make your experience a pleasurable and memorable one!
If you would like more information about our area, please ask for a Relocation Folder which includes "101 Things to Do", Maps and local Paradise and surrounding area information.


Our fast-growing community of informal advisors is a key General Crypto asset. These highly intelligent, hand-picked individuals advise our team on everything from the latest digital asset to their thoughts on future trend shifts about to take hold in the industry. Complimented by their independent thoughts, we're able to compile a wide array of information to base decisions upon.
If you're interested in joining the General Crypto Community, and our #collaborators Slack channel, please drop us a note with some information about yourself and your experience on our Contact page.


I ended up flying this year, so I won't be able to bring you that Baby Doll wood That I promised you Steve. Look forward to visiting with you.
As usual Me and the gang will be there along with Al and Josh of SS Calls in booth #6 . I see there is gonna be a group beside us selling goose and duck calls , could be interesting Guess Ill have to break out the Long boxes and compete with them .
Should be interesting, with the Tools of the Trade on the other side.
Good luck!! See you there.
I shared a booth with MIKE LANGLEY a couple of years ago. He had a bunch of duck calls with Echo inserts. When the young guns saw that, you might as well take a break, and put in the ear plugs. Unbelievable.! They were competing with a booth -- 30 booths away.
Well, I rekon I will be there if you are coming to see me. Looking forward to it my friend!
I will be there Thursday thru Sunday. Look forward to seeing everyone again.


text:
Circassia
Historical Circassia
Circassians
War and Exile
Europe & USA
Books + Reviews
Circassian World
Headlines /
Remembering "Circassian Genocide and Exile" in Turkey in 2018: Rival Circassian Organisations Marched Separately!
As has been the case in the past ten years or so, this year rival Circassian diaspora organisations have held separate rallies and events to commemorate the "21st May - Day of Circassian Genocide and Exile" in Turkey.
KAFFED- The Federation of Caucasian Associations
The first event took place near the small Black Sea settlement of Kefken in the town of Kocaeli during the weekend of 12-13 May 2018 and was organised by the Ankara-based umbrella organisation KAFFED (Federation of Caucasian Associations), which is generally accepted to be the largest Circassian & Caucasian diaspora organisation in the country. The rationale for this early a date for the event was that a large group of KAFFED members would be going to the homeland afterwards to participate in the main event in Nalchik on 21st May 2018, as KAFFED's official slogan for this year's commemorative events was " In the 154th year we are on both sides of the Black Sea".
At this visually impressive gathering, thousands of pre-dominantly Circassian and, to a lesser degree Abkhazian, activists who had arrived from different parts of the country, descended on a historical beach, namely the Babalı Beach, on the evening of 12th May holding torches and singing laments in memory of their ancestors who had lost their lives during the genocide and mass deportation. The solemn event seemed to be an intra-community affair to remember the fallen during the exile with no obvious desire to attract media attention or raise political issues.
The Babalı Beach is a historically symbolic location, especially for the local Abkhazian community, for this is thought to be the place where hundreds of Abkhazian deportees arrived, having had to leave Abkhazia following a failed uprising against the Russian rule in Abkhazia in 1878-78. The presumed significance of Kefken was discovered in the mid-1990s when small groups of activists from various diaspora organisations began to visit this place as part of "21 May commemorations" well before these events started to draw masses.
While Kefken provided Circassian and Abkhazian activists solace and solemnity in the late 1990s to grieve privately for the tragedy that had befallen on their communities, after the late 2000s, and especially in the run up to the 2014 Sochi Olympics, questions began to be asked about where to hold these events to attract more media interest and to better politicise the "Circassian Question", for Kefken lies some one hundred miles east of Istanbul and reaching it requires serious off-road skills. The result was to hold these gatherings in locations near the Russian Consulate General in the centre of Istanbul. However, KAFFED did not officially join the protests outside the Consulate but held its own gatherings a couple of miles down the road on the shores of the Bosphorus. After the Sochi Olympics took place in 2014, KAFFED returned to Kefken once again to hold its main commemorative event there, while individual KAFFED member organisations held their own local gatherings in their own localities.
ABHAZFED- The Federation of Abkhazian Associations
Interestingly, the largest Abkhazian umbrella organisation, ABHAZFED (Federation of Abkhazian Associations), which was set up in late 2009 mostly, but not solely, by Abkhazian community centres separated from KAFFED, which they saw as a Circassian organisation, has also been holding its own commemorative events in Kefken for the obvious historical significance of the place for the Abkhazian community as explained above. However, ABHAZFED's gatherings almost always take place separately and at different dates from those of KAFFED's. At times, these meetings even took place on 31st May, which, for a while, was accepted as the date symbolising Abkhazians' deportation from Abkhazia in 1878. This year, however, ABHAZFED held the event on 21st May.
CERFED (The Federation of Circassian Associations), CDP (Pluralist Democracy Party), United Caucasianist Groups
A large rally, at least on a par with, if not bigger than, that of KAFFED's in Kefken, took place outside the Russian Consulate General in the Taksim district of Istanbul on the eve of 21st May. This is the location that symbolised much of the Circassian diaspora political activism in the early 2010s when thousands of activists from different informal organisations, such as the Caucasus Forum and Patriots of Circassia / Circassia Movement, marched with banners and Circassian flags chanting demands from Russia to officially recognise "Circassian Genocide and Exile". After 2014, the informal groupings in question began to be losing ground and saw their members quietly joining formal and established organisations with similar political leanings.
This year, another umbrella organisation, CERFED (Federation of Circassian Associations), has been joined by recently reinvigorated United Caucasianist groupings and community centres as well as members of a political party, CDP (Pluralist Democracy Party), with claims to be representing Circassian political demands in Turkey, to march the Istiklal Street in Taksim to gather outside the Russian Consulate General. These groups are opposed to KAFFED on a wide variety of issues, including those concerning stances taken in both Russian and Turkish politics. In fact, the Russian Foreign Ministry even issued a statement a day before the protest, warning Russian citizens to stay away from the area for potential disturbances where the march would take place.
It seems that even though the composition of the march-goers may change, the marches in Taksim, Istanbul, will continue to take place for the foreseeable future.
CW Newsletter
Subscribe to Circassian World Newsletter
Obituary: On Barasbi Bgazhnokov (1947-2020), by Sufian Zhemukhov
Jehovah's Witnesses were acquitted of extremism charges in Kabardino-Balkaria!
Circassian activists achieve demolition of monument to Russian soldiers in Adler
Representatives of Circassian society have begun collecting signatures to an appeal to Putin about a new monument in Adler
Circassians: Victims of Ethnic and Linguistic Genocide by Emre Başok
+ Journal of Caucasian Studies
+ Int. Circassian Studies
+ Nat Press
+ Adyghe Heku
+ George Hewitt
+ John Colarusso
+ Baragun Vladimir
The largest gathering on 21st May in memory of "Circassian Genocide and Exile" takes place in Nalchik
Circassians around the world commemorate " Circassian Genocide and Exile" of 1864
Reflections on the Caucasus: 21 May 1864-2010
CW's aim is to raise awareness of Circassian culture, history and contemporary politics in global academia, journalism and policy making circles to pave the way for "Circassian Studies" to be recognized as a constituent part of Caucasian Studies.
Nationalism, politics, and the practice of archaeology in the Caucasus
How Russian state pressure on regional languages is sparking civic activism in the North Caucasus by Mikail Kaplan
Act of Kabarda 1805: the New Document About Zhankhot Kushiku, The Last Grand Prince of Kabardia, by Albek and Astemir Abazov
An Illustrated Description of the Russian Empire by Robert Sears
Follow CW
© 2021 All rights reserved. | Circassian World | 2005 - 2018


text:
is fiji water really untouched
Fiji sells it as such, that untouched is the way nature intended for water … Water is one of the most valuable resources we have on earth.
Peter Seligman, Conservation International's Chief Executive, told the programme the carbon negative claim was based on "the concept of being carbon negative". Because they come from Fiji and Fiji alone, it means that the water in those particular bottles is hard to get. In September 2009, the American investigative journalism magazine Mother Jones said its signature bottle was made from Chinese plastic in a diesel-fuelled plant. I used to drink it. You'd have to do all the work of obtaining water from a rock, or you could pay $5 for a bottle and be done with it. You are our people. Also, the company uses a particular square bottle that makes the product stand out from the rest for marketing purposes. Fiji is also classified as artesian water because of the natural filters that it goes through. In fact, production and packaging costs money for Fiji Water. In 2010, the Fijian government tried to raise taxes again, and Fiji shut down its plant for a short period of time. It recognised that Fiji Water provides drinking water to some villages near the plant and put money towards clean water projects across the islands. That collected water sits in a pool untouched by nature's elements because of the underground aquifer located in Fiji's largest island, Viti Levu. Fiji water will always be established as one of the best bottled waters in the industry, and that alone warrants a higher price in comparison to other. Fiji water is of lower quality than tap water in Cleveland. It can easily make a consumer's eyes shift towards the direction of their bottles. Insulted by this fact, the Cleveland Water Department decided to compare Cleveland's tap water to Fiji's water. Fiji Water is the No. Only the reality is, you are drinking water that was manufactured in China and many people in Fiji struggle for access to clean water. If you find yourself aligning with any of those folks, you can move along, nothing to see here. Fiji's slogan states that those who drink the bottled water don't even have to go to Fiji in order to enjoy it. The market is estimated to be worth over £2 billion in the UK alone. Part of Fiji's brilliant marketing technique is psychological. In 2008, the Fijian government wanted to raise taxes on Fiji Water, which until that point had enjoyed tax-exempt status, and in response, Fiji Water laid off workers. The bottled Fiji Water is sourced from an artesian aquifer located in Viti Levu, one of the greatest islands of Fiji. The artesian description qualifies it to be a more "pure" form of water because it doesn't go through any mechanical or industrial processes for purification. The water in Fiji bottles comes from rainfall that was collected even before the Industrial Revolution.
If you live in Fiji, you are almost certainly correct that Fiji water is the best water to drink. Celebrities on America's West Coast, from Gisele Bundchen, the model, to Lady Gaga, the singer, and David Beckham, the footballer, are all photographed with it. To be able to give another person your undivided attention is a gift. All rights reserved. Without it, our site might not function properly. 5 ways to remind yourself of your interconnectedness. That certainly accounts for one reason why it's expensive—the demand for water bottled from the mountain of Fiji is just great. 3, Explaining White Privilege to a Broke White Person, The First Myth of Patriarchy: The Acorn on the Pillow, The Reality That All Women Experience That Men Don't Know About, 10 Things Good Men Should Never Do in a Relationship, What We Talk About When We Talk About Men: The Top 12 Issues Men Face Today, White Fragility: Why It's So Hard to Talk to White People About Racism, Relationships Aren't Easy, But They're Worth It, The Lack of Gentle Platonic Touch in Men's Lives is a Killer.
Mazda 6 Bluetooth, Auto Ordnance M1 Carbine Reddit, Michael Yerger Height, Luke Wilson Net Worth 2020, Subaru Pronunciation New Zealand, Funny Nicknames For Glenn, Sky Bet Ticket Code Checker, Gratitude Prayer To The Universe, Your Song Chords In D, Golperu En Vivo Youtube, Ben Spencer Mp Family, Medina Islam Actor Height, Secretary Of State Michigan Sos Express, Lg Smart Fridge Wifi Password, Motley Crue Guitar Tuning, Shawn Woods Harpoon Trap, Zac Mirabelli And Elizabeth Weber, The Gate Inn Cutthorpe For Sale, Amir Arison Married, Char Aznable Quotes Japanese, Cork Ipad Case, 2 Bow Bimini Top, 2011 Infiniti G37 Rear Seats Fold Down, Winchester Recoil Pad, Dry Climate Facts, How Much Soda Ash To Raise Ph, Babar Bhatti Age Iman Ali, Slack Modal Tutorial, Best Motherboard For I7 9700k Reddit, Faith Song Cast, Fenty Beauty Statistics, Jove And Europa Summary, St Ives High School Gifted And Talented Test, Harbor Freight Battery Charger Review, Bernedoodle For Sale Georgia, Samantha Birthday Wishes, Easy Taboo Cards, Gta 5 Replace Car Pack, Tribal Marauder Meaning, Fa20 Oil Consumption, Dajjal Is Here, Contrat Max Nba 2k20, Sébastien Ricard 2019, Pinjra Drama Story, Fck Concrete Meaning, Willie Revillame Son, Is Michael Afton The Crying Child Or The Older Brother, Love, Rosie Script, Kate Mckinnon Spouse, 2006 Honda Odyssey Axle Nut Torque, Best Nes Rom, Wickes Zendesk Login, Kasia Name Meaning, Who Is Emma Noom Commercial, The Survivalist Path Zhivchik Tarkov, Luke Shuey Wife, King Fergus Costume, Nordstrom Clear The Rack Dates 2020, Drake Bell Car Accident, Bonita Kaftan Stockists, Dirt Late Model Bodies For Sale, Sportsgb Discount Code, Rock Type Weakness, What To Give A Constipated Goat, Royalton St Lucia Room Service Menu, Argumentative Essay On Energy Drinks Should Be Banned, Nombres Indios Argentinos, Zuko And Azula Age, Armaros Fallen Angel, Ikea Screw Sizes, Angola Inmates Mugshots, Jon Spoelstra Net Worth, Betsy Gonzalez Instagram, Wolverine Defect Form, Dead Birds On Porch Meaning, Ksp Flyby Finder, Aoc Net Worth, Awesome Kong Husband, Craigslist Fayetteville Nc Farm Garden, Danielle Sparks Lewis, Sharp Aquos Dolby Digital,
is fiji water really untouched 2020


text:
package org.xcsp.common.structures;

/**
 * This class allows us to represent a transition that is a useful object when defining finite automatons.
 */
public class Transition {

	/**
	 * The source state, where the transition begins.
	 */
	public String start;

	/**
	 * The value (object) labeling the transition.
	 */
	public Object value;

	/**
	 * The target state, where the transition ends.
	 */
	public String end;

	/**
	 * Constructs a transition from the specified arguments.
	 *
	 * @param firstState
	 *            the first state, where the transition begins
	 * @param symbol
	 *            the symbol labeling the transition
	 * @param secondState
	 *            the second state, where the transition ends
	 */
	public Transition(String firstState, Object symbol, String secondState) {
		this.start = firstState;
		this.value = symbol;
		this.end = secondState;
	}

	@Override
	public String toString() {
		return "(" + start + "," + value.toString() + "," + end + ")";
	}
}

redpajama_set_name: RedPajamaGithub


Read Romans 12:1-2 out loud.
God's transforming Word encourages us to live in harmony with people who are different, embrace unpopular people with humility, respond to hurtful people with kindness and overcome evil with good.
Meditate on the following verses.
Note the people the Spirit of God brings to your mind.
Make the decision to treat them as God instructs in His Word.
Watch out for thoughts that pop into your mind that encourage you to justify ungodly behavior.
Overcome your own evil heart with good.
Father, I praise You for being the God of transformation. I want to be a part of a body of believers who brings your love to everyone and anyone. Convict me when my flesh reacts in ungodly ways. Help me choose to love and encourage and include everyone You bring across my path. Let the change in my heart bring glory to You. Amen.


The centre, which is housed in the Old Prison, was launched in July 2010 and helps to raise awareness of the Cotswolds Area of Outstanding Natural Beauty as well as encourage people to explore and enjoy the landscape and natural beauty.
Denise, from Chipping Norton, will be responsible for raising the profile of the centre and attracting more visitors through its doors by holding a series of events, group visits, talks and children's activities.
Denise joins the Conservation Board from Gloucestershire Geology Trust and formerly Oxfordshire Geology Trust where she was a project director. She also brings to the role a wealth of experience in primary, secondary and further education teaching.
Commenting on the appointment, Board Director Martin Lane said: "We are delighted to welcome Denise to the team. She has a great deal of energy, enthusiasm and ideas that will help put Escape firmly on the Cotswolds map.
Denise added: "I am looking forward to working with the Northleach team to help increase the potential of Escape as a vibrant visitor centre for the Cotswolds."
Escape to the Cotswolds will be open Wednesdays to Saturdays, including Bank Holiday Mondays, from 11am to 4pm. Volunteers are also being sought to help out during opening hours. If anyone is interested in volunteering, they should call the Conservation Board on 01451 862000.
The Old Prison is currently being purchased from Cotswold District Council by the charity organisation Friends of the Cotswolds.


LAS VEGAS – Today, 75 low-and moderate-income tenants and manufactured homeowners asked Housing and Urban Development (HUD) Secretary Ben Carson at the Manufactured Housing Institute (MHI) Conference in Las Vegas, "where will we go".
Carson insulted tenants and manufactured homeowners instead of offering real solutions that would solve our nation's housing crisis, Secretary Carson announced proposed rent increases for the lowest income people.
"Trump's lackey Ben Carson clearly demonstrated that he doesn't care about people like me that he is sworn to serve," said Jordan, a senior housing resident in Chicago and a grassroots leader with Jane Addams Senior Caucus and People's Action.
"Ben Carson insulted and dismissed us while telling the corporate investors in attendance that they should keep profiting off the housing crisis. Ben Carson's job is to help solve the housing crisis for people, not profiteers. We came to Las Vegas today to remind Secretary Carson to do his job," said Patricia Norberg, a manufactured homeowner from Delaware and a grassroots leader with MHAction.
"The nation's housing crisis has reached emergency levels. A person working a full time minimum wage job, can't afford a two-bedroom apartment in any county in the U.S. More than half of all Americans spend over 30 percent of their income on rent and utilities, and I'm one of them," said Kendra Moore, a Section 8 tenant in Los Angeles and a grassroots leader with POWER and People's Action.
"How dare the Trump Administration's response to that crisis be to make things worse. We demand a HUD that's fully funded to meet 100 percent of the real needs of American people," she said.
"Carson is out of touch and patronizing. He thinks poverty is a state of mind. He needs to do his job and push for a massive reinvestment in community-owned and public housing. We need him to make a true commitment to alleviating the conditions of poverty and the dismantling of the racist structures embedded in our housing system," said Trenise Bryant from the Miami Workers Center and Homes for All.
The group, representing a multiracial, multigenerational collection of housing justice organizations from across the country, demanded that Ben Carson turn his attention to the raging housing crisis that threatens them, their families, and millions of people in America every day.
They told Carson to do his job to faithfully execute the mission of his department, and to advocate for a radical rethinking of the HUD budget to meet one hundred percent of our community's housing needs.
Groups participating in the event included: MHAction, People's Action, CarsonWatch, Center for Popular Democracy, Right to the City/Homes for All, POWER, LA Community Action Network, Long Beach Residents Empowered (LiBRE), Miami Workers Center, Jane Addams Senior Caucus, Progressive Leadership Alliance of Nevada, Make the Road Nevada, Make it Work Nevada, SEIU Nevada, NextGen America, For Nevada's Future,Make the Road Nevada, Alliance of Californians for Community Empowerment, and New York Communities for Change.
People's Action is a progressive multiracial working class network of more than one million grassroots leaders, with 48 member organizations and 600 local staff across 30 states.


text:
Home » Awards » SFWA Names Recipients of the Damon Knight Memorial Grand Master Award and the Kevin O'Donnell Jr. Service to SFWA Awards
SFWA Names Recipients of the Damon Knight Memorial Grand Master Award and the Kevin O'Donnell Jr. Service to SFWA Awards
Posted on March 2, 2015 by John DeNardo in Awards // 0 Comments
The Science Fiction Writers of America have named the recipients of this year's Damon Knight Memorial Grand Master Award and the Kevin O'Donnell Jr. Service to SFWA Award. Congrats to Larry Niven and Jeffry Dwight!
Press release follows…
LARRY NIVEN NAMED SFWA DAMON KNIGHT MEMORIAL GRAND MASTER
SFWA is pleased to award Larry Niven the Damon Knight Memorial Grand Master Award, one of SFWA's highest honors, for his invaluable contributions to the field of science fiction and fantasy. In addition to his contributions to the genre, Niven has influenced the fields of space exploration and technology. His iconic Ringworld is a classic of the genre, and influences readers and writers alike.
"One of the great honors of being SFWA president is the announcing the latest Grandmaster recipient. One of the drawbacks is only getting to name one at a time when we have several worthy candidates. Still, I take great pleasure in naming Larry Niven as this year's Damon Knight Memorial Grandmaster.
"As Lev Grossman said in Time Magazine about Niven's work, "It's a bravura demonstration of technology and psychology both playing off and feeding back into each other. This feedback loop — so fundamental to great science fiction's power — is at the heart of Niven's work: we create tools, and our tools shape the world, but they also shape us, in unintended and unexpected ways." ~SFWA President Steven Gould
Niven has written fiction at every length, speculative articles, speeches for high schools and colleges and conventions, television scripts, political action in support of the conquest of space, graphic novels, and a couple of comic book universes. He's received multiple Hugo Awards, a Nebula Award, and many others.
"I've always wanted one of these. It does definitely mean I've gotten old. I've been publishing fiction for more than fifty years now. I'm convinced I picked the right career." ~Larry Niven
Previous recipients of the award include Gene Wolfe, Connie Willis, Joe Haldeman, Andre Norton, Samuel R. Delany, and Ursula K. Le Guin. The award will be presented at the 50th Annual Nebula Awards Weekend, Palmer House Hilton in Chicago, Illinois, June 4 through 7, 2015.
JEFFRY DWIGHT TO RECEIVE THE 2015 KEVIN O'DONNELL JR. SERVICE TO SFWA AWARD
SFWA's transition to the new website, its presence on the web, and the long-term survival of its discussion forums would not have been possible without the support and oversight of Jeffry Dwight. He was crucial to SFWA's modernization and the ease of that process. We are happy to thank him officially for his service and support through the Kevin O'Donnell Jr. Service to SFWA Award.
"SFWA's early days on the web started on GEnie but, when that service shutdown, Jeffry Dwight, more than any other person, was responsible for helping SFWA transition onto the modern internet. We are incredibly lucky to have had access to his help and resources over the years." ~SFWA President Steven Gould
The award will be presented in Chicago at the 50th Annual Nebula Awards Weekend.
About the Nebula Awards
The Nebula Awards are voted on, and presented by, active members of SFWA. Voting will open to SFWA Active members on March 1 and close on March 30. More information is available from http://www.sfwa.org/nebula-awards/how-to-vote/.
About the Nebula Awards Weekend
The Science Fiction and Fantasy Writers of America's 50th Annual Nebula Awards Weekend will be held at the Palmer House Hilton in Chicago, Illinois, June 4 through 7, 2015. The weekend will include tours and workshops, including workshops on self-publishing and IP law and other legal issues of interest to writers.
The cost to attend is $70 for members and $80 for non-members, and the Weekend is open to both SFWA members and non-members. For more information, please see http://www.sfwa.org/nebula-awards/nebula-weekend/, or contact Steven H Silver at events@sfwa.org.
About SFWA
Founded in 1965 by the late Damon Knight, Science Fiction and Fantasy Writers of America brings together the most successful and daring writers of speculative fiction throughout the world.
Since its inception, SFWA® has grown in numbers and influence until it is now widely recognized as one of the most effective non-profit writers' organizations in existence, boasting a membership of approximately 2,000 science fiction and fantasy writers as well as artists, editors and allied professionals. Each year the organization presents the prestigious Nebula Awards® for the year's best literary and dramatic works of speculative fiction.
Media: For information on obtaining press passes, interviews with nominees, or questions about the event itself, please contact SFWA's public relations manager, Jaym Gates, at pr@sfwa.org.
Neal Barrett, Jr. Named 2010 SFWA Author Emeritus
Gene Wolfe Named Damon Knight Grand Master Recipient
FINALISTS: 2014 Nebula Awards (with Free Fiction Links!)
The SFWA Introduces New Medals to Honor Nebula Award and Norton Award Nominees and Recipients
Jeffry Dwight
About John DeNardo (13012 Articles)
John DeNardo is the Managing Editor at SF Signal and a columnist at Kirkus Reviews. He also likes bagels. So there.
Contact: WebsiteFacebookTwitterGoogle+YouTube
Cover & Synopsis: RINGWORLD: THE GRAPHIC NOVEL (Part One) by Larry Niven & Sean Lam
Larry Niven's Ringworld and Known Space Stories
WINNERS: 2014 Nebula Awards
SF Tidbits for 9/28/09
TOC: The Best of Larry Niven
Mission to Pluto
From space.com:The first spacecraft ever aimed at the planet Pluto is hours away from launching into space on a nine-year mission to the distant, icy world. A Lockheed Martin-built Atlas 5 rocket is poised to launch NASA's Pluto-bound probe New Horizons at 1:24 p.m. EST (1824 GMT) today from Complex 41 at Cape Canaveral Air Force Station in Cape Canaveral, Continue Reading →
A Dozen Doses of Free Fiction From Robert A. Heinlein and Fritz Leiber
Here's a short batch of free fiction from two legendary authors Robert A. Heinlein and Fritz Leiber, courtesy of free sampling from Baen's Free Library...
I still have fond memories of The Science Fiction Hall of Fame, Volume 1, a superb 1970 anthology of twenty-six short stories that were chosen by members of the SFWA as the best stories that existed before the institution of the Nebula Awards. The reason I mention this is because it has come up three times this week while web Continue Reading →
The third book in Christopher Paolini's bestselling Inheritance Cycle (following the fun Eragon and the not-so-much-fun Eldest) will be called Brisingr and features another awesome cover by John Jude Palencar. The book will be released on September 20th, three days earlier than originally planned in response to booksellers hoping to have book launch parties. SFX reviews Halting State by Charles Continue Reading →


AlphaBetty Saga level 330 is a Word Frenzy level. To pass this level you have to do 8 words of 5 letters. Complete this challenge to pass this level.
Any advice or help to pass AlphaBetty Saga level 330 would be appreciated!


text:
Read Next Guns N' Roses Plot North American Stadium Tour
Home Music Music News
September 30, 2020 12:15PM
Helen Reddy, Australian Singer of 'I Am Woman', Dies Aged 78
"It is with deep sadness that we announce the passing of our beloved mother, Helen Reddy, on the afternoon of September 29th 2020 in Los Angeles."
Jessica Lynch
Jessica Lynch's Most Recent Stories
Montaigne Reveals Her Favourite Hidden Gems of Tropical North Queensland
Win A Travel Package To Tropical North QLD And Experience One Of The World's Most Stunning Locations
The Famous Faces We're Most Excited to See in The Stan Original Series 'Poker Face'
Helen Reddy was best known for her 1971 feminist anthem 'I Am Woman'.
HelenReddyOfficialFB
Award-winning Australian singer and actress Helen Reddy, best known for her 1971 hit "I Am Woman", has died at the age of 78, her family has confirmed.
In a statement issued on the official fan Facebook page for Reddy, her children Traci Donat and Jordan Sommers revealed the sad news of the trailblazer's death.
"It is with deep sadness that we announce the passing of our beloved mother, Helen Reddy, on the afternoon of September 29th 2020 in Los Angeles," they began, adding, "She was a wonderful Mother, Grandmother and a truly formidable woman. Our hearts are broken. But we take comfort in the knowledge that her voice will live on forever."
Sommers also posted a sweet photo of his mother on Instagram, alongside three purple hearts.
The sad news comes following the release of Netflix film I Am Woman, which follows Reddy on her path to fame and examines how her hit track became a feminist anthem, though Reddy admitted in a 2013 interview that she had "no idea" the song would have such a huge impact.
"That was a big surprise," Reddy told the Chicago Tribune. "I think it came along at the right time. I'd gotten involved in the Women's Movement, and there were a lot of songs on the radio about being weak and being dainty and all those sort of things."
"All the women in my family, they were strong women. They worked. They lived through the Depression and a world war, and they were just strong women. I certainly didn't see myself as being dainty," Reddy added.
Australian actress Tilda Cobham-Hervey portrayed the icon in the biographical film, which was directed by Unjoo Moon.
"Helen was a real trailblazer in that respect," Cobham-Hervey told Adelaide Review of the anthem that served as the film's title.
"She was asked to create this album and was looking for songs to sing on it, and there were just none that represented her experience as a woman. So she sort of went, 'well, I'll have to go and write one'. She tucked her daughter in, then was lying in bed when the words 'I am strong, I am invincible, I am woman' started going through her head. That became her song."
The Aussie singer also had a slew of other hits throughout the 1970s, including "Delta Dawn", "Angie Baby", "Leave Me Alone (Ruby Red Dress)" and "Ain't No Way To Treat A Lady", and was the world's top-selling female singer in 1973 and 1974.
In 1973 Reddy won a Grammy for "I Am Woman" and famously said in her acceptance speech that she wanted to thank "God, because She makes everything possible".
Reddy had reportedly been diagnosed with dementia in 2015 and had been living in a Los Angeles nursing home for professional entertainers.
She is survived by her two children, Traci and Jordan, as well as her grandchildren.
In This Article: Helen Reddy, helen reddy dies, I am Woman, Netflix