In the 20-some years that I've known David Jordan, his assorted job assignments have consistently intrigued me. First he was this magazine's handyman editor. Then he left our midst and as a self-taught photographer pursued that profession for several years in St. Louis.
Now up-to-date airline fares and schedules are available to travelers electronically. For $50 you can buy a password giving you access to the Official Airline Guide's computer bank of information, dubbed the Electronic Edition, via most computer terminals with a telephone hookup.
Spendthrifts and tightwads are made, not born. To help your children learn to manage money wisely, you'll have to be a good role model and teacher from the time they're preschoolers to the days when they're attending college or heading out to work on their own.
Our 1982 Home Improvement Contest is history, but the excitement lives on. Better Homes and Gardens readers must be the most creative and imaginative families in the entire country!
You can give your houseplants a lift with a build-it-yourself plant stand. The ideas featured on these three pages are perfect indoor projects for a blustery fall weekend. Here are five of our favorite designs.
Trade School: Ticket to A Better Job?
Many industries have lagged during the past several years, but America's 7,000 private vocational schools have never done better. Enrollment at the usually profit-making trade and technical schools, also known as proprietary schools, has surged by 25 percent in the past two years alone.
New biological pest control Now you can control damaging in sects in your garden without using harmful chemicals. The predatory cat erpillar nematode (Neoaplectana carpo- capsae) can kill over 250 known types of insect pests, according to recent labora tory research at the University of Cali fornia.
Kids and Cars Is Driver Education Enough?
Beaming with youthful enthusiasm, 16-year-old Linda Moxley backed the family sedan carefully out of the driveway. Linda, a recent driver education graduate, was taking her father on only his second ride with her. Approaching the first intersection, Linda accelerated slightly to turn left in front of an oncoming car, but then hesitated and braked.
A home computer may top your family gift list this Christmas, but don't just leap at the first bargain you see. The kind of computer you'll need depends upon what you want it to do, and what it will do depends largely on what software will work on the machine you buy (see "Home Computers: Ready or Not, Here They Come," Better Homes and Gardens, March 1983).
The best advice is: Don't expose yourself to any diagnostic X ray unless there is a compelling health reason. But determining whether an X ray is warranted in a specific situation can be tricky. Does your child really need a full-mouth series of dental X rays every year? How often should a woman have mammography done, if ever?
These days more and more families face the challenge of finding assistance for older parents who cherish their independence, yet find they can use a little help. The need can range from short-term nursing care at home while recovering from a serious illness to simply having someone check in, prepare a hot meal, or run an errand.
The year is almost over, but some sharp figuring now and a few simple moves still could save you tax money this year, next year, or both. The basic strategy involves juggling tax-deductible expenditures and possibly some income between 1983 and 1984, but other moves may benefit you, too.
Well-groomed pets usually are healthier and happier than their unkept counterparts, besides looking better and being pleasanter companions. From time to time, you may want to call on a professional groomer to help keep your pet looking and feeling his best.
Just-for-you toys and gifts like these gladden the holidays for you and your youngsters. Our extra-special assortment of ideas features delightful gifts to make as well as ready-made items to buy. No matter which you select for the children on your Christmas list-- from a hand-knitted sweater to an old-fashioned sled-- you're sure to choose a keepsake gift that will be treasured for many years.
A quiet guest room, a windowed attic nook, or the secluded corner of a bedroom-- each of us would like such a hideaway for reading, thinking, writing, listening to music, or pursuing favorite hobbies.
Parking your microwave oven on the kitchen counter usually amounts to a trade-off between precious work space and quick-as-a-wink cooking convenience. In most cases there are better alternatives. Some make the space you already have work harder, and others steal a few square feet from an adjoining room.
You can count on roasting this year's turkey to perfection when you use the techniques below. You'll also find tips for thawing and stuffing the bird.
Check your favorite stores for these innovative products, or write to the manufacturer for a list of retail sources. Please don't send a check to a company, or request an order form. The prices we list are only suggested retail prices.
You've reached a plateau in your career and your chances of advancement look dim. Or you've burned out in what once was a perfectly satisfying vocation, be it teacher, homemaker, or bank president. Or maybe you're just plain out of a job.
Fashion the fanciest trostings and garnisnes tor friends and family with the Mini Cake and Food/Cake decorating kits.
It had to happen sooner or later: One of Elizabeth McCann's sixth-graders claimed she didn't have her assignment "because the computer at home lost it."


We are a team of passionate professionals who dedicate time to envision and create very special contain for yoga lovers. Creating opportunities for personal development, self discoveries and human connections.
We carefully select our articles and collaborators. We welcome informative and inspirational contributions in all topic areas relevant to the yoga lifestyle, and we love interviews!
We believe in balance and harmony, within yourself, the environment, the food you eat and the people you share it with, as a natural and honorable circle.


Mick Davis is the chief executive of the mining company Xstrata. According to an October 2011 report by Cabinet Secretary Gus O'Donnell, he was one of six donors to Adam Werritty's Pargav vehicle.
The "Directors' Pay Report 2011" by IDS revealed that Mick Davis earned £18,426,105 as CEO of Xstrata in the year till June 2011, making him the highest-earning FTSE 100 CEO of the year.
Davis is the head of the United Jewish Israel Appeal and a member of the Jewish Leadership Council.
Bankrolled the No2AV campaign with a donation of £100,000.
Simon Rocker, Shock over senior UK Jewish leader's Bibi criticism, TheJC.com, 18 November 2010.
↑ 1.0 1.1 Jim Pickard, Exclusive: Xstrata chief executive was the final donor to Adam Werritty's vehicle, Ft.com, 18 October 2011.
This page was last modified on 10 November 2017, at 08:03.


Washington, DC (July 10, 2015) – People ask me, "Michael! How do you know what's going on in DC?" Well, there are some great, GREAT public relations people out there who keep me in the loop. I went through my inbox this morning and sorted them by date so that you too can attend and share these upcoming events, dinners and offers available now in our city. Enjoy!
L'Enfant Café NoMa H Street – 11th Annual Bastille Day hosted at Wunder Garten Saturday, July 11, 2015 from 3:00-10:00pm. Entry is $7.
Le Diplomate 14th Street – Bastille Day events beginning July 11, 12, and 14, 2015 offering Large Carafe Cocktails, Mimes and specials like the Quenelles de Brochet with Nantua Sauce.
Launch Pad – Union Market, Mess Hall and RIS to Host Launch Pad Grand Finale Sunday July 12, 2015 at Union Market's Dock 5 from 1:00-5:00pm. Tickets are $25. Drinks and bites are included.
The Riggsby – Award-winning chef Michael Schlow will open his second Washington, D.C. restaurant, The Riggsby, in the Kimpton's Carlyle Hotel July 13, 2015. 75-seat mid-century feel. General Manager is Daniel Lobsenz, Executive Chef is Philippe Reininger, and cocktail and wine program is Christine Kim.
Flywheel Dupont – 2-week Tune Up starting July 13 through 26. Tailored workouts, 14-day meal plan and FLY coach. $260-300. Each bundle consists of 5 classes per week, a total of 10 classes. Sign up here.
305 Fitness – Miami on the Mall free 45-minute workout hosted Thursday July 16, 2015 from 6:30-8:00pm at the Sylvan Theater Stage. Free to sign-up.
Penthouse Pool at Vida Navy Yard – July 16, 2015 from 7:00-9:00pm is the Dar Be Dar by Tala Raassi summer fashion show featuring DeLeón Tequila cocktail specials. Free to RSVP.
Zentan Thomas Circle – Izakaya cooking class with Chef Yo Matsuzaki Saturday July 18, 2015 from 2:00-4:00pm. This Class is $40 and you get a cocktail on the rooftop (after class).
Havenly Online Interior Designer – Complimentary SoulCycle Bethesda class hosted Monday July 20, 2015 at 7:30pm. Free and free gift bag. Arrive early and RSVP here.
Black's Bar + Kitchen Bethesda – 5-couse wine dinner served with Sonoma's Moshin Vineyards will be hosted July 21, 2015 at 7:00pm. $85 including wine pairing.
City Perch North Bethesda – Farmer's Market Dinner Series begins July 22, 2015 at 7:00pm. 4-course tasting is $50 and wine flight add-on is $30. Might miss? Other dinners are scheduled for August 26, 2015 and September 23, 2015.
Macon Bistro & Larder, Chevy Chase – 4-course luncheon will be served with Circle Wine & Spirits' South African wine selections on Saturday July 25, 2015 from 2:00-4:00pm. $65.
Maple at Petworth – Wine Class: Germany and Austria. Hosted Sunday July 26, 2015 from 3:00-5:00pm. Includes 6 half glasses and antipasta. $38.
Citi Open at Rock Creek Tennis Center – 11 exciting tennis series with legends Andy Murray, Nishikori, Marin Cilic, Dimitrov, Kevin Anderson, Feliciano Lopez, and John Isner. August 1-9, 2015. Tickets start at $10 to $55 for the final tournament.
Chipotle Dupont – Will be at Dupont Circle's FreshFarm Market from 8:30–11:30am on August 2, 2015 providing $5 toward your purchase from local purveyors.
Old Ebbitt Downtown – Craft Brewhaha to be hosted August 15, 2015 from 8:00-11:00pm. $65 bucks a ticket for a lot of awesome beer and food.
Merriweather Pavilion – Trillectro Music Festival will take place August 29, 2015. Doors open at 11am. Ticket prices vary from $58 – $135.
ShopHouse Dupont – Say goodbye to eggplant and make way for summer squash. Going on now and throughout, well throughout summer.
Tosca Downtown – Foie Gras and Dark Chocolate served as part of an 8-course dinner at the Chef's Table. $125 per person (beverage is additional).
The Gibson – Summer Punches, the season's biggest cocktail trend, is now ready and made to order and meant for sharing. The 2015 summer cocktail menu also features 26 innovative libations.
RareSweets CityCenter DC – Customizable ice cream sandwiches now available this summer for $7. Flavors and sorbets like: Mint Cacao Nib, Blueberries and Cream, Passion Fruit Jalapeno, Cucumber Watercress and Mint Julep.
Joe's Seafood Downtown – Weekend brunch is now available on Saturday's and Sunday's from 11:30am–2:30pm. Items are ala carte.
Provision 14 U Street – Weekend brunch is now available on Saturday's and Sunday's from 11:am–3:00pm. Items are ala carte. Communal Boards and French Press Cocktails.
DCanter Barracks Row – Affordable French Wine offerings. Order online and have delivered to you.
Matchbox – Summer Happy Hour at all locations from 3:00-6:00pm Monday through Friday. $5 Beer, $6 Wine, $7 Cocktails and light bites like Mini Meatballs and Pork Belly.


How to Put Music (MP3 Songs) into iPod App Without iTunes?
How to Download MP3 Songs Directly into iPod App Without iTunes?
One of the main complaints of iOS device users when it comes to music is the fact that you will need to sync it every time with iTunes. For some people, this process can be quite cumbersome especially if you are simply adding one or two music files. Well, apparently there is a way for you to download mp3 files from your iPhone, iPad and iPod touch and add it into your iPod library without using iTunes. Here's a tutorial on How to Import MP3 Songs Directly into iPod App Without iTunes.
You will need a jailbroken iPhone, iPad or iPod touch. To jailbreak your iPhone 4S or iPad 2, refer to our Absinthe untethered jailbreak guide: Windows, Mac. As for other devices (A4), read our iOS 5.0.1 untethered jailbreak guide.
Download and install iFile from Cydia.
Download and install Safari Download Manager through Cydia.
Download the MP3 file of your choice in Safari using the Safari Download Manager app.
Once the download is done, open the MP3 file in iFile.
Once in iFile, tap on the blue arrow on the right side of the MP3 file name.
You should now be in the file attributes screen. Scroll down and you should see the Add to iPod Library button, tap it.
Once tapped, iFile will proceed to create an M4A file in the directory and will add it into the iPod library automatically.
And that's it, you are done!!
Add to iPod Library option is not there in my iFile,can someone help me.
After tapping add to ipod button in mewseek an error appears of validating servers unavailable… What to do ??
Easy way to copy and add MP3 music to iPod touch 5/touch 4, iPod classic, iPod nano, iPod shuffle without iTunes at http://www.idealshare.net/2013/02/21/how-to-transfer-mp3-to-ipod-without-itunes-on-mac-or-windows/. MP4, AIFF, M4A, WAV, AC3 are also supported!
Doesn't work on iPad. Any other suggestion?
My iFile does not have an add to ipod library button.
Only the latest versions of iFile have this, so maybe you need to update. Hmmm, you're not using a pirated copy of iFile, are you?
Is there any way to transfer the downloaded mp3 to the iPod library without jail breaking the iPhone? I'm using the "free mp3" app from AppStore but I haven't been able to transfer it to the iPod without using a computer.
Note: on iPhone Mewseek still shows "Add to iPod" button but it still works. I had no problem adding the mp3 to the phone. iPhone still press the "Add to iPod" button.
Can confirm that this does indeed with Mewseek. Sure it's a little more clunky but it does work. Now to find a way to do it for free. Stinking paid hacks!
@roza: It doesn't have to be MP3 and I doubt "Free Music" has the Add to iPod Library function.
I got an app called free music .. Works perfectly .. Got it from installous ..
i have latest ifile with germlin2 but still cant find the add button in ifile, i think its just for making fool!
iFile says it using Gremlin2 package to import to iTunes. The Gremlin2 package says it is not compatible with iOS 5.
The latest version of iFile should work. Make sure it is a registered version.
Make sure that you have the latest version of iFile.
Does this work for the ipod touch 4g ?
Safari Download Manager for ios5 yet. Also, used anotehr plugin to download mp3 and went to the file by iFile but no option to Addd to iPod.
You can use any other download manager that works with iOS 5. As for iFile, it needs to be registered and is the latest version, since it comes with Gremlin library that allows you to add songs to the iPod.
Will this method work for an iPad ?
in ifile! do u have to download the song using safari downlaod manager?
this method but there no add to ipod in ifile.. any idea?
You can use any download manager that works in iOS 5. Then use iFile to import the mp3 file, although iFile needs to be registered and the latest version since Gremlin library comes with it, which lets you add songs to the iPod library.
I did all that… Still no add to ipod library button… Wgat am i missing….
Download Cydia Tweak UniversalMediaImporter http://moreinfo.thebigboss.org/moreinfo/depiction.php?file=universalmediaimporterDp and it should work.
I don't think SDM is updated for IOS 5 yet..


Silicone is one of the fastest growing products around the world and their demand in the automotive sector is expected to grow rapidly due to rising investment by the manufacturers in novel products and technologies.
The demand in Europe is expected to witness a moderate growth with a CAGR of over 5.6 percent on account of a slowdown in the automobile industry in this region, according to QYResearchReports.com. Germany has been spearheading the demand for automotive silicone in this region. The presence of a large number of automotive component manufacturers and its close proximity to Poland, which is the biggest automobile market in Eastern Europe, is likely to augment the demand in Germany. The North American market is expected to grow at a slower pace due to sluggish passenger vehicle production in the region.
The rise in imports from Asia Pacific and Europe is responsible for low growth rates in North America. In this study, 2017 has been considered as the base year and 2019-2025 as the forecast period to estimate the market size for automotive silicone. The consumption of automotive silicone in volume terms is also provided for major countries (or regions), and for each application and product at the global level. Market share, growth rate and competitive factors are also evaluated for market leaders Dow Corning Corporation, Momentive Performance Materials, etc.


text:
Stunned: Akron men's soccer loses first regular season game at home since 2007
By: Chris Coon
Nov. 27, 2007.
That was the last time The University of Akron men's soccer team lost at First Energy Stadium-Cub Cadet Field. On Wednesday night, the No. 6 Zips lost to Michigan State 1-0 in the 87th minute.
The defeat is the first at home since their 1-0 loss to South Florida in the NCAA Tournament, snapping their NCAA home-unbeaten streak to 48 games, which was fourth all-time.
In the 87th minute of the game, Michigan State senior forward Rubin Bega put the game away with his fourth goal of the season off a long run where he shot the ball over the head of UA junior goalkeeper David Meves, netting the ball for a 1-0 score.
"You get out of this game what you put in, and we didn't put in what we needed to win a game like this," Akron Head Coach Caleb Porter said. "Very similar to Michigan and I'm at a loss for words, I'm shocked that it could happen again. It's like déjà vu all over again."
The last game the Zips lost came against Michigan on Oct. 18. when they lost at Ann Arbor, Mich. 1-0.
"We spent the entire two days talking about how we need to be driven and how we need to do things right," Porter said. "It's embarrassing that some of the guys just didn't show and didn't put it in like I said to win this game."
The first half of the game was quiet for both teams. The Zips out-shot MSU 3-1, while both teams were tied for one shot on goal apiece.
The Zips did have a chance to score in the first half when freshman midfielder Wil Trapp shot the ball dead onto the goal, but the ball bounced right off the middle of the cross bar, where Michigan State defenders kept the ball from UA's reach.
"Individually, guys need to find what pushes their buttons and find what they need to do to get ready for a game," junior captain defender Chad Barson said. "It's that time of the year where if you slip up, you have to turn your gear in and the season's over. We're just not as a team getting results. We think everything is going to come easy to us and always going to be perfect."
In the 80th minute, the Spartans threatened to score when senior midfielder Joe Paljaj shot the ball straight toward the goal, but junior goalkeeper David Meves was able to come up with the stop for the Zips.
"Guys don't want to go make a play and make things happen, and it's just disappointing because it's that time of the year when you need people to step up and make plays," Barson said. "If you don't, then you're watching the national championship; you're watching things on TV and you're not a part of it and your season is gone."
Overall, Akron is 16-6-5 all-time versus teams from the Big Ten under Porter
The Zips are 2-0 against Michigan State under Porter and are 24-11-1 all-time against the Spartans.
Early in the season, Michigan State started off with a record of 1-5-2, but since then has gone 5-2-1 and is unbeaten in their last four games (2-0-2).
Akron will return to action this Sunday when they travel to Boca Raton, Fla. to take on fellow MAC opponent Florida Atlantic. Kickoff for the game is set for 2 p.m.

redpajama_set_name: RedPajamaCommonCrawl


text:
Gertrud Elisabeth Boëthius, född 9 mars 1883 i Uppsala, död 9 oktober 1960 i samma stad, var en svensk konstnär och teckningslärare.

Hon var dotter till läroverksadjunkten fil. dr. Per Gustaf Boëthius och Hildur Elisabeth Beronius. Boëthius studerade vid Konsthögskolan 1909-1911 och i Axel Tallbergs etsningskurs. Separat ställde hon ut i Mora 1910 och hon medverkade i samlingsutställningar arrangerade av Sveriges allmänna konstförening. Hennes konst består av porträtt och Uppsalamotiv. Vid sidan av sitt konstnärskap arbetade hon som teckningslärare.

Referenser

Noter

Tryckta källor
Svenskt konstnärslexikon del III sid 209, Allhems Förlag, Malmö. LIBRIS-ID:8390296

Svenska målare under 1900-talet
Kvinnor
Födda 1883
Avlidna 1960
Svenska tecknare under 1900-talet
Gertrud

redpajama_set_name: RedPajamaWikipedia


Holiday Open House! Join us for our last event of 2018 with a big BLOW OUT SALE! Saturday, December 15th, 10 AM – 6 PM. Your last call for stocking stuffers, Christmas gifts, and gift certificates!
Join us for a MEGA SALE weekend at Salvaged! Our 1st annual Midnight Madness | Black Friday | Small Business Saturday Event….and there are crazy sales & doorbusters you won't want to miss. Pay CLOSE ATTENTION as each day offers something different!
Nestled in a convenient location right off of RT 1. in Lewes, Willow Marie & Co. has made their home at the historic Sandy Brae Stables. In addition to the fabulous retail boutique located in the original farmhouse, the Willow Girls are lovingly restoring the historic stables and are turning them into a venue for intimate weddings, gatherings, meetings, workshops, bridal showers, and the like.
Join us for our last event of 2017 with a big BLOW OUT SALE! Your last call for stocking stuffers, Christmas gifts, and gift certificates! Saturday, December 16th 10am-6pm.
SIP & SAVE LOCAL on SMALL BUSINESS SATURDAY, Saturday, November 25th from 9AM – 6PM, Opening One Hour Early! Specials, Discounts, Door Prizes, and more.
You are invited to the Haute Living by Allserve Building Co. Showroom & Design Center Debut, November 17th from 4pm to 8pm. Envision | Consult | Design | Construct | Furnish.
It's been quite a while since we have updated and so many things have changed and so much progress has been made! Between keeping the stores full and getting through the holidays, we have been working long and hard trying to wrap the remodel up! So far, everything is coming together beautifully and we can't wait to share the final product. So, without further ado….let's get started!
Today I want to share with you a topic that I'm passionate about but most are scared of. What topic could this possibly be that scares the daylights out of most? COLOR! Yes, I said it color. From early adulthood I decided that any color can work as a neutral and to decorate with colors that made me feel happy.


text:
C. S. Forester Society
Cecil Scott Forester, novelist and creator of Horatio Hornblower
C. S. Forester
C S Forester's Crime Noir
Dulwich College
The first chapter – C.S. Forester and Dulwich
The Armchair Strategists
Tape Aids for the blind
CSF aboard the 'Loch Loyal' in 1964
The Pursued – Finding a lost novel by C S Forester
The Annie Marble books are available!
Hornblower
Names from Hornblower – 2
Names of Ships from the Hornblower Books
The romantic side of Hornblower
New publication of the chronological first three Hornblower books
Brief reviews of the Hornblower books
About the Loire
Hornblower Nautical Glossary
Origins of "The Happy Return"
Hornblower's Historical Shipmates
Lord Hornblower picture surfaces again
He did it or he did it not
Poll page !
Reflections Online
Two Men in a Boat Rowing Two Rivers
A Hornblower miscellany
Hornblower's Place Names
C. S. Forester's Hornblower One More Time
C.S. Forester's sinister and suburban world
Hornblower's proteges
Carronades
'Cradle of Writers'
The Swedish Horatio Hornblower Society
CSF writing 'Hornblower and the Hotspur'
Tom Hanks' WWII Drama 'Greyhound'
Kent Rasmussen, a long time buff
Chance encounter : Terence Morgan
End of a raider
C.S. Forester Society (U.S.) Gazette
Complete list of all the names mentioned in the Hornblower books !
Entirely fresh source for 'African Queen' !
Reflections – the Magazine of the Society
AGM 2019 Gallery
AGM 2019 video
The Admiralty Board Room
First steps towards a Navy – Ken Napier
eMembership
[ Sitemap]
Unfortunately the Corona situation and the corresponding worldwide travel restrictions have not "ebbed away" as we hoped they would when we set the date of our AGM for 22 – 25 October 2021. We have therefore decided to cancel the AGM at that date and hold instead a Virtual Meeting on 23 October 2021 at 22:00 hours CET (Central European Time).
The "real" AGM is postponed, but not forgotten. Based on how the Corona situation develops, we plan to hold it in the spring of 2022 in Roses according to the program already distributed.
Ludwig Heuse
C.S. Forester
C. S. Forester is one of the great writers of the twentieth-century. His novels are distinguished by the famous Hornblower stories, and by 'African Queen' which was made into the famous film. He wrote many further works which prove a pleasure to explore.
His life – born in Egypt, brought up in south London, a failed medical student, the archetypal struggling young writer – covered both world wars, the last strains of the glory days of British Empire, and a move to Hollywood and final residence in the United Sates.
Two features that have ensured CSF's enduring success are his prose style – simple, disciplined and keenly expressive – and his continuing observance of 'the man alone' as he describes Hornblower.
The C. S. Forester Society was established in 1998 to celebrate and promote the enjoyment of Forester's literary works. This website offers you a brief biography written by his son John Forester – a loyal and enthusiastic member; listings of his works and publication details; links to associated enthusiast and contact groups; and literary and anecdotal comments in our magazine 'Reflections' and the new 'Reflections online'.
Membership of the Society is free and we warmly welcome contributions to 'Reflections online'
Kingsley Amis : Fiction like (this) is bound to deliver, so why waste time on new stuff?
Raymond Chandler : Quite fascinating and wonderfully exact.
Winston Churchill : I find Hornblower admirable – vastly entertaining.
Ernest Hemingway : I recommend Hornblower to everyone literate I know.
"Star Trek" : Captain Kirk is Capt. Hornblower of the sailing ships. [He] was a great hero, and Hemingway said is is the most exciting adventure fiction in the human language."
Boris Johnson : The true master of the genre.
C Day Lewis : So actual and breathlessly exciting that the reader will be feeling himself gingerly all over.
Please have also a look to our poll page
26 responses to "Welcome"
Jim Cripps | August 23, 2018 at 14:55 | Reply
Is the Hornblower series still being printed and if so, by whom? Did any publisher have a matching set of these novels?
Lawrie Brewer | August 24, 2018 at 21:10 | Reply
Dear Jim
Thank you for your enquiry to the C S Forester Society.
Very many of C S Forester's books remain in publication. The chief British publisher has always been Michael Joseph which now belongs to Penguin Books. You will find a list of CSFs in print by them, here: – https://www.penguin.co.uk/search/?q=c+s+forester&ps=100
Also, the Folio Society is printing the complete Hornblower series. The first set is available below, and will be succeeded by all the others: – https://betatest.foliosociety.com/uk/the-hornblower-saga.html
And of course, you can get second-hand copies on eBay. Also, Amazon is a good source.
Please let me know how you get on and when I can help further
Lawrie Brewer
Editor, C S Forester Society
Ryan W | February 5, 2020 at 15:33 |
Where did CS Forester go for his research for the Hornblower books?
Nautical terms and all of that.
I basically wanna know everything on how to sail ships of the line.
Andy Edgar | August 29, 2018 at 19:37 | Reply
I'm a lifelong Hornblower fan and I'm glad to learn of the CSF Society. I have a question: did
CSF ever write of the Indefatigable&Amazon's fight with Les Droits de l'Homme? Hornblower recalls it briefly to memory in Ship of the Line, but I have not found an account of it in the series.
Andy Edgar
James Ashton | March 25, 2019 at 05:38 | Reply
Responding to Andy regarding Droits de l'Homme… The ship is only mentioned in passing thrice in the Hornblower canon, in The Happy Return, A Ship of the Line, and The Commodore. Each time the details are minimal, but clearly Hornblower was envisioned as being part of that historical action. None of the Hornblower short stories mention the incident,nor does the novel Mr. Midshipman Hornblower to which it would belong chronologically.
Historically the action between Indefatigable, Amazon and the Droits de l'Homme took place on 13 and 14 January 1797. At that time Hornblower was commanding HM transport brig Caroline, under quarantine and sailing between Oran and Gibraltar. Exactly a month later he was peripherally involved in the Battle of Cape St. Vincent. It wouldn't have been possible for Hornblower to have been involved with the Droits de l'Homme action without shifting its date some months earlier, to give Indefatigable time to refit and sail to Gibraltar.
Heather Moore | June 13, 2019 at 09:24 | Reply
I have a few old paper cutting relating to CS Forester. I need to dispose of them. Happy to post them to the Society for the archive. I also have a nine Forester books mostly paperbacks. Please reply
Steve Brainerd | July 2, 2019 at 04:55 | Reply
Anybody read HORNBLOWER AND THE ISLAND?
Michael Burch | July 26, 2019 at 01:52 | Reply
A few years ago I moved to Lake Oswego, Oregon. Recently I was looking for a book by C S Forester and online and discovered that many of his books have been digitized by a digital publishing firm firm here in Lake Oswego. Does anyone know what the connection is between Forester and Lake Oswego? Many thanks for all your help. Sincerely, Mike Burch
Vani Joy | August 8, 2019 at 21:02 | Reply
Are any of the Hornblower series on audio books? As someone with dyslexia listening to audio is a godsend? I like to listen while I'm weaving, knitting, spinning, etc. I loved the tv series with Ioan Gruffudd but I'm sure they're not 100% accurate. I enjoy everything about the Regency Era! From Jane Austen Rommances, to C.S. Forester and Bernard Cromwell adventures. I love Hornblower and Richard Sharpe as much as I love Mr. Darcy!!!! The able to listen to the books and not just watch the movies ad finitum would be awesome!!!
jaa101 | August 11, 2019 at 04:55 |
Hi Vani:
Christian Rodska has created audio versions of the Hornblower saga which seem to be the most readily available currently. Searching online for his name and "Hornblower" should find an option that suits your circumstances.
Nicolas G. | August 11, 2019 at 10:02 |
Right ! You can find them in several places on the internet. Search : Forester + Hornblower + Rodska+ audiobooks.
John Forester | November 14, 2019 at 18:37 | Reply
Lake Oswego was the residence of George Forester, younger son of CSF and the principal of eNet books, which digitized many of CSF's works. GF is now dead, and the business is carried on by his widow, Rosemary and children.
Michael Burch | November 14, 2019 at 22:13 |
Thanks very much for your help! It was surprising to move to this rather out of the way spot and discover that the great C S Forester was associated with it.
Becky McMath | March 13, 2020 at 22:42 | Reply
Is there a nautical map of Hornblower's adventures to follow as we read the books?
James Ashton | March 15, 2020 at 08:35 |
You're after "The Hornblower Companion" which includes thirty maps, though mostly they should be called charts. It doesn't appear to be in print but there are plenty of second-hand copies to be had.
Paul Mackness | April 25, 2020 at 11:14 | Reply
I understand John Forester recently passed away – RIP.
James Ashton | April 26, 2020 at 01:57 |
Forbes has published an obituary by Carlton Reid for John Forester who died on 14 April 2020 at https://www.forbes.com/sites/carltonreid/2020/04/23/death-of-a-dinosaur-anti-cycleway-campaigner-john-forester-dies-aged-90/
Charles Taberski | July 5, 2020 at 16:48 | Reply
Does anyone know when CSF moved to 1066 Park Hills
Road, Berkeley, California? I live in this neighborhood and I suspect that he lived at this address when he wrote "The Good Shepard" which is currently being released as a movie starring Tom Hanks. If true, this would be an interesting fact to pass along to my neighbors in these interminable COVID times.
I would address this query directly to his son John with whom I corresponded in the past. Sadly, as I just learned from your website that he passed in April.
Thank you for any help you can offer in this matter
James Ashton | July 6, 2020 at 04:03 |
According to John Forester's « Novelist and Storyteller » Forester lived in Berkeley at 1020 Keeler Avenue from 1940 to 1945, at 1570 Hawthorne Terrace to 1954 and then at 1066 Park Hills Road until 1964.
Anthony | October 27, 2020 at 14:38 | Reply
please,Your comments on Long Before Forty which was criticised by his son.I was very concerned about this
Ruben Andersson | January 1, 2021 at 04:12 | Reply
Aj Read Hornblower wen as ljung No am 63
comfortism | December 16, 2021 at 18:47 | Reply
I was looking to write a seafaring historical book and soon found I was out of my depths but I did discover Hornblower in the process. I came to this from Wilbur Smith's (who died less than a month ago) A Falcon Flies, that borrows heavily from Hornblower I noticed. My son is now also a fan! I have been frustrated these last few weeks trying to get a plan of the Indefatigable so we can learn all the words for parts of the ship together. I can't find such a thing anywhere. The description of ships here comes close, but I'd been hoping for something more visual. I even thought there'd be a wonderful poster for Christmas! He's sailing in a tall-ship Ketch next year and can sail dingy's himself but still needs to learn all the nautical terms and get used to wind direction. I've printed loads of stuff off for him to help but if anyone knows where a clear plan of the the Indefatigable could be found that would be wonderful?
jude sebastien de st germain de angulo | December 20, 2021 at 04:18 | Reply
Indefatigable is an Ardent Class 3rd rate ship of the libe, designed by Thomas Slade , others of the same design and class are: the prototype HMS Ardent, HMS Raissonable HMS Agamemnon HMS Belliqueux, HMS Stately & HMS Nassau ,
James Ashton | December 21, 2021 at 04:06 | Reply
HMS Indefatigable was built as a 64-gun, two-deck, 3rd rate ship of the line and was completed at Portsmouth in 1784 but she was never commissioned as such. From September 1794, still at Portsmouth, her top deck was removed, which is to say she was razéed, becoming a 44-gun, single-deck, 5th rate frigate. In December 1794 she was commisioned under Sir Edward Pellew but her fit-out as a frigate was not complete until February 1795.
Indefatigable was clearly already in her cut-down form when Hornblower joined; she was described as a frigate even as Hornblower was offered the chance to transfer to her in early 1794. The first action described aboard takes place on the 1st of June 1794.
thank you James Ashton, that info is awesome. first i'd heard of 'razéed' , Forester ( nee Smith) has Horatio enlist as a midshipman at 17yo, which is about 4 years late for the era of seaman enlistments, He does so as to enthuse 17yo anglo-phones across the globe to "beat them to quarters" in anticipation of the war against the totalitarian states emerging in 1930s europe. In his role as apparatchik for the Ministry of Information , Forester was employed to arouse the fighting spirit in the enlistable age group of the early 20th century, i.e 17 to 18 yo
light | December 30, 2021 at 16:44 | Reply
I am searching for a copy of both volumes of Novelist & Storyteller, the biography of CS Forester by John Forrester, his son. If anyone is willing to part with their copy, or have it reproduced, I will be interested.


Incredible, its paper mill occupies this abandoned building. Artisans have realized the paper of the highest quality from old textiles or plant waste. A surreal visit between large leaves that dry and fall, that are piling up like colorful plants.


text:
ST HELEN'S ROMAN CATHOLIC PRIMARY SCHOOL
"Strive to achieve; Take care of our world; Look after each other"
Children's Senedd
sthpa@caerphilly.gov.uk
Rob Thomas – Chair of Governors
Having grown up in Caerphilly and attended St Helens School I am very proud to have been a governor here for over 20 years. My 5 Children have all attended the school and are now all thriving in their chosen careers. I enjoy watching sport - rugby and cricket being my favourite and I am an enthusiastic supporter of my teams. I am a Project Manager with over 30 years' experience in the Railway industry.
Amy Jenner - Vice chair of Governors
I'm thrilled to hold the role as Parent Governor for St Helen's School. Being a a past pupil and now have a daughter in St Helen's I have a huge passion for this school, and always have done. It was very important for me to continue the Catholic Education for my daughter, whilst giving her the best education she can and feeling safe and happy within the school and parish environment.
I work for Welsh Triathlon the National Governing Body for Triathlon in Wales as Workforce officer which means I lead of the coach education programme and volunteer workforce across Wales. Along side this I am the Safeguarding lead and Equality and Diversity lead.for the organisation, and UK Anti Doping Educator.
My most recent project has seen me be involved in creating a Physical literacy multi-sport course for school teachers to deliver multi-sport sessions in PE time underpinned by Physical Literacy. I hope i am able to use my skill set and experience to help support the Governing body drive the school forward towards the new curriculum.
Outside of work I am a founding member, Chair and coach of Caerphilly Tri-ers triathlon club which has over 140 members. So when i'm not doing the school run, after school clubs or homework, you'll find me usually in the pool, on my bike or running around the streets of Caerphilly.
Sophie Sanchez - Headteacher
I am delighted to be the Headteacher of this wonderful school. St Helen's is an incredibly unique school with wonderful outdoor provision, high expectations and ample opportunities to develop confidence and teamwork with Christ at the forefront. My vision for education is where children's well-being and happiness are at the heart of all decision making. As a mother myself, I am passionate about children's happiness and providing them with opportunities to shine in a variety of arenas.
Amanda Smith - Foundation Governor
I have a long and happy association with St Helen's School community as a parishioner, parent, teacher, grandparent and more recently in the role of Foundation Governor.
I taught at St Helen's for almost 20 years, where I was a class teacher and Additional Learning Needs coordinator. During this time I also provided specialist teaching support for pupils with Specific Learning Difficulties (Dyslexia) and supported children with various Additional Learning Needs.
I enjoyed teaching in the Foundation Phase, particularly in the Nursery, where I was privileged to see the children grow and develop as they began their educational journey.
I have a love of outdoor activities and believe that St Helen's is unique in its commitment to Outdoor Learning. The school offers pupils a range of opportunities and experiences in the extensive, well developed grounds.
I hope to continue to use my experience at St Helen's to support the governing body in the future.
Ceri Evans - Local Authority Governor
I am a busy working mum of two lovely boys who attend St Helens, and the head of a primary phase in a Caerphilly school. I am passionate about foundation phase pedagody, inclusion, and the new curriculum for Wales. I have a wide experience and knowledge to share with the school and am delighted to be on the schools governors team to support the exciting future of St Helens.
Canon John Kelly - Foundation Governor, Parish Priest
The Catholic School is central to the work and mission of the Parish, and so one of my main responsibilities. As I pointed out to the Archbishop at the 50th Anniversary of the School, Saint Helen is unique among the schools in the Diocese: Whereas most schools were set up by the Diocese as the seed-bed of a new Parish and so predate the parish church, Saint Helen's School was founded, organised, and formed by the Parishioners, for the education of our children in the faith, to ensure the future of our Parish community.
I recognise being a governor as a duty, and find great help, encouragement, and support from the able and committed team of the Governing Body. With them, I seek to tie the school into the life of the Parish, and bring our children, indeed the whole school, teachers and staff, parents and governors, to grow in the love and knowledge of our Lord Jesus Christ, share in the Communion of his Body and Blood Sunday by Sunday, and so build up the Kingdom of God in Caerphilly and its surrounds.
Kath Jones - Foundation Governor
I'm delighted to support St. Helen's School as a Foundation Governor. My son was a pupil and it gave him a wonderful start to his education, nurturing his love of learning (and competitive athletics!) and he is now at university. I've been part of St. Helen's Parish since I moved here 30 years ago, I'm part of the CAFOD group and read at Mass.
I work for the NHS as an Occupational Therapist in a Rehabilitation Centre. As well as treating patients my role involves staff recruitment and this has been useful in my role on the Staffing sub committee. I'm also a trustee of a charity I helped to set up which provides equipment and social events for our patients.
Martyn Western - Foundation Governor
Age: 65 years; Husband: 43 years; Father of 3: 38 years; Grandfather of 2: 2 years.
Foundation Governor at St Helen's Primary: 30 years (20 years as Chair of Governors)
I have both a long and very happy association with St Helen's Primary School, having served as a governor with all the school's four headteachers. My style of governorship is particularly hands on, paying weekly visits to the school and accompanying groups of pupils on trips to France, Holland, Belgium, PGL Tregoyd and even to far flung Caerphilly Castle! I am keen to see that the school offers the broadest of educational experiences to all our pupils within a setting that reflects Jesus' Gospel teachings.
I am particularly interested in the delivery of lessons in the external environment having been involved with Forest Schools since its inception at our school.
Taking early retirement in 2010 has enabled me to devote more time to my personal interests of: hiking, photography, wildlife, music, theatre, travel and of course my ever-growing family.
Nick Trodd - Foundation governor
Hello. I'm Nick Trodd and I've been a Foundation Governor in St Helen's since 2012. I started in the Civil Service in 1988 and have undertaken administration, investigation, managerial and project delivery roles. I'm Roman Catholic and was a pupil at St Helen's during the 1970's when the founding Headteacher Gerry Phenis led the school with the three R's as he saw them – Running, Rugby and Religion!
When I returned to Caerphilly in the early 2000's I was delighted to see the school thriving, the original three R's were strongly in evidence and with excellent leadership, great teachers, really supportive parents and Church community, good pastoral care; pupils had a happy, pleasant place to learn and develop - achieving impressive academic and sport results. All three of my own children have attended St Helen's.
The school leads on innovations such as Green places to learn around the school, care of the environment, and reaching out to communities both local and international. As one of the Governors of the school I hope to maintain and build on the school's successes.
Peter Belson – Foundation Governor
I have been a governor at St Helen's since 1998 – missing Michael Owen's wonder goal against Argentina because I was attending my 1st governors meeting. All 3 of my children attended St Helen's and my wife is an LSA at the school. I work in finance and use my knowledge in this area to assist the school in any way that I can.
I always enjoy my visits to the school and have participated in many school events and trips. Outside of work and school commitments I am a keen player of board games and D&D, making Lego Star Wars models and much to my wife and others annoyance listening to very loud music.
Lorraine Jones - Sponsor Governor
I am a Sponsor Governor at St Helens. I first started work at our brand new school in 1976 as a dinner lady then when there was an opening for LSA few years later I did both jobs. I was thrilled in 2007 to be voted LSA of year by New Directions.
Affectionally know as " Aunty Lorraine " over past 44 years . Up until a few years ago I accompanied the yr 5/6 children on their trip to Belgium and before that it was France and Holland I think in all I did 18 trips abroad and loved every one ,my first being in 1989.
Also attending WNCJS sports for the past 45 years where I am now a High Jump Judge . My three children and six grandchildren have all attended St Helens with one still in Yr 2 . I retired from teaching 12 yrs ago but will always class St Helens as my second home .
Kelly Belson - Foundation Governor
My name is Kelly Belson and I have been a Governor at St Helen's for almost 4 years. I am a Learning Support Assistant in the Foundation Phase and have worked at our school for almost 18 years. I have 3 children, now all adults, who attended St Helen's.
My husband, Peter, has been a Governor of our wonderful school for 22 years. Together we have seen many changes take place but one of the things that has remained the same is our school family - what a wonderful thing to be a part of. Ensuring our school remains this wonderful place takes hard work and dedication from the children and staff and I am able to see this taking place every school day. I feel very privileged to have my job and be a governor.
Jo Daniels - Teacher Governor
I am proud and privileged to have been a teacher, and the teacher-governor, at St Helen's since 2008. Being from 'down West', it's testament to how special the school and it's community are that the daily journey continues to be completely worth it - even now that my baby boy Edison is sharing my world!
As a passionate teacher and governor, I try to ensure a strong connectivity between the governing body and the teaching & learning at St Helen's. I believe wholeheartedly in providing the children at St. Helens's with a fun and happy education both indoors and out which provides them with the best possible start in life.
Angela Jones – Foundation Phase Governor
©2019 by St Helen's RC Primary School. Proudly created with Wix.com


text:
Q: How many test cases can we record through Robotium Recorder Free Version I am new to robotium and want to use it for my app testing. I have also downloaded robotium recorder for recording test cases and used it three times for recording. Now when I use it to record more test cases it ask for "license key" which I don't have as I am using a free version. Is there any work-around/configuration settings for using free version to record more test cases? please let me know if this is possible or not.
Your revert will be appreciable.
Thanks in Advance!!

A: The limit is currently 5 saved tests on the free trial (source)
Even if getting around this restriction is possible (well everything is possible but it could be a lot of work) you would be breaking the terms and conditions of the license that you agreed to and open yourself up to a whole host of legal issues. Once you have reached the end of your free trial of recorded tests you are supposed to then have evaluated the product enough to know if you would like to purchase the license for a full years use or not. If you want to keep using it like it looks you do you will need to purchase a license here

redpajama_set_name: RedPajamaStackExchange


text:
General strike hits France
As the recession begins to bite in France, transport, education and other services are brought to a halt by a national strike demanding action on unemployment and the rising cost of living.
Bloomberg business news reported that France's rail network, airports and public schools were disrupted today as the country's eight biggest labor unions called for a one-day general strike.
In what is turning into the largest such action since President Nicolas Sarkozy was elected in May 2007, the unions are demanding that the government do more to counter rising unemployment and falling purchasing power as France enters its first recession in 16 years. The eight unions represent the bulk of France's 1.9 million-strong unionized workforce. Unions only represent a small proportion of the workforce in France, but strikes are always observed by many more workers.
"The government needs to change its methods," Jean- Claude Mailly, general secretary of the Force Ouvriere union, said today in an interview on Canal Plus television. "There are real worries about purchasing power. All unions are united on the need to take action." Roads around Paris were packed with cars in the early hours of the morning as commuters sought to get an early start to avoid traffic jams. Fewer train lines were in service and as many as 30 percent of flights in and out of the French capital were cancelled. Unions plan 200 demonstrations and protest marches in cities across the country later today.
Employees of companies including Electricite de France SA and French units of International Business Machines Corp. and Hewlett-Packard Co. are among those participating in the strike. Public schools are expecting as many as 70 percent of their employees to strike, with unions for teachers, doctors and other civil servants asking for "urgent measures for employment and wages" and a further boost to the economy.
Popular Backing
Unions say measures announced by the government so far are inadequate. Sarkozy unveiled a 26 billion-euro ($34.4 billion) economic-stimulus package in December. About 69 percent of the French people back the strike, according to a poll by CSA-Opinion for newspaper Le Parisien on Jan. 25. Forty-six percent support the strike, while 23 percent "sympathize," with the union call, Le Parisien said. Of those interviewed, 12 percent were opposed or hostile to the strike. It's the first time in Sarkozy's presidency that a "social movement" has had such public approval, Stephane Rozes, head of CSA-Opinion told the daily.
The French economy, the euro area's second largest, may contract 1.8 percent this year, the worst performance since World War II, the European Union projected on Jan. 19. Companies are cutting jobs as the credit crunch derails purchases of homes, cars and factory machinery. The EU sees France's unemployment rate at 9.8 percent this year and 10.6 percent next year. The number of jobseekers in France has risen for seven months, recording the biggest jump on record in November.
Train Traffic
Societe Nationale des Chemins de Fer Francais, or SNCF, France's national railway, where workers began the strike last night at 8 p.m., said about 60 percent of the regional TER train services and 40 percent of high-speed TGV lines will be disrupted. Eurostar and Thalys services to London and Brussels are running normally, SNCF said. All overnight domestic and international trains have been canceled except for a Berlin- Paris train arriving in the French capital on Jan. 30. Up to 50 percent of domestic high-speed services from and to Paris and 70 percent of the Corail domestic trains were canceled, the railroad said.
RATP, the Paris transport authority, said the city's subway service was normal on about half its 14 lines. On the remaining lines, service ranged from 50 percent to 75 percent. One out of five RER A regional trains was running, with no service on RER B. Three out four buses were running.
Calls for Concessions
DGAC, the French aviation authority, recommended that airlines flying into and out of the Paris-Orly airport pare flights by 30 percent, while those going through Paris-Charles de Gaulle by 10 percent. Air France-KLM Group said last night that it plans to maintain all long-haul flights, while canceling 30 percent and 10 percent, respectively, of its short- and medium-haul flights from Orly and Charles de Gaulle. Power and gas supplies may be hit after EDF and GDF Suez SA employees said they are participating in the work stoppage. Previous strikes have led to lower electricity output at power producer EDF. French Prime Minister Francois Fillon earlier this week dismissed calls for concessions to appease the strikers. "It's not the government's role to make gestures," Fillon said on France 2 television. "It's the government's role to keep reforms on track."
civil servants
general strikes


This good on everything from steak, kale chips, popcorn, salad, pasta, etc., etc., etc... I COULD go through a bottle every two weeks if I could! I live 16 hours away from the closest store, but I will always make sure to have a bottle of this oil on my kitchen counter.


text:
package org.apache.storm.serialization;

import com.esotericsoftware.kryo.Kryo;
import java.util.Map;

/**
 * An interface that controls the Kryo instance used by Storm for serialization. The lifecycle is:
 *

The Kryo instance is constructed using getKryo

 *
Storm registers the default classes (e.g. arrays, lists, maps, etc.)

 *
Storm calls preRegister hook

 *
Storm registers all user-defined registrations through topology.kryo.register

 *
Storm calls postRegister hook

 *
Storm calls all user-defined decorators through topology.kryo.decorators

 *
Storm calls postDecorate hook

 *

 */
public interface IKryoFactory {
    Kryo getKryo(Map<String, Object> conf);

    void preRegister(Kryo k, Map<String, Object> conf);

    void postRegister(Kryo k, Map<String, Object> conf);

    void postDecorate(Kryo k, Map<String, Object> conf);
}

redpajama_set_name: RedPajamaGithub


startup in an earlier round. The current round is being led by D.E.
the building blocks of solar panels.
up off to one side of the building.
down the side of the overgrown crystal. "That's what you want to see,"
worth of these wafers a month. We can sell as much as we can make."
Your description of how Solaicx makes single-crystal silicon ingots could also describe the standard method used to produce wafers for semiconductor fabrication.
I assume that Solaicx has innovated this decades old process to reduce cost per wafer. Could you fill us in on their innovations and perhaps also discuss the cost reduction that they may achieve.
Gives a hint of what is expected.
Though it is from 2004.


FORMER SENATE PRESIDENT MICHAEL LAMOUREUX: He responds to question of whether he is "Senator C."
In case you missed it: Former Sen. Michael Lamoureux provided an e-mail response to the Times about the latest guilty plea in the sprawling public corruption probe that has so far netted five former legislators.
We reported yesterday on the guilty plea by Jerry Walsh, former leader of South Arkansas Youth Services in Magnolia, to pay $380,000 in kickbacks to a lobbyist, a relative of the lobbyist and an unnamed senator to insure good treatment in the legislature.
The development followed a May interview of Walsh by Benjamin Hardy of the Arkansas Times in which Walsh said his agency had hired Sens. Jeremy Hutchinson and Michael Lamoureux, both lawyers, for legitimate legal work in support of SAYS. Hutchinson had already been implicated, but not charged, for payments he received from Preferred Family Healthcare. Lamoureux's position as Senate president pro tem in 2013 and 2014 matches the position of influence held by the unnamed senator in Walsh's guilty plea. Additionally, Hutchinson's lawyer Tim Dudley says he doesn't believe acts described in Walsh's plea apply to Hutchinson, though he has acknowledged the connection in the PFH case.
I am just learning about this. I have not have [sic] any communication with law enforcement about this development.
Neither legal fees nor campaign contributions have ever influenced my behavior as a public official.
Once I have a clearer understanding of the situation I will comment further.
He did not respond to my followup question attempting to make clear whether he agreed with or disputed Walsh's statement that he'd hired Lamoureux for legal work. The invocation of legal fees in his response does suggest that he's following a course taken by Hutchinson earlier through his lawyer over being the unnamed senator in an earlier guilty plea by Rusty Cranford (also involved in the SAYS embezzlement scheme). Hutchinson acknowledged being paid for legal work, but insists it was all legitimate payment for legitimate work.
The government doesn't discuss future developments, but reports persist that prosecutors are sitting on sealed charges in the case. They have given no indication it has reached an end.
Lamoureux left the Senate to become Gov. Asa Hutchinson's chief of staff. He departed that job to become a lobbyist. Through April of 2018, according to Opensecrets.org, he reported $40,000 in income from federal lobbying work for DCI Group, Pafford EMS, Reynolds American, Rural Arkansas Telcom and SAS Institute. He was employed for those clients by Washington Advocacy Group headed by John Goodson, the Texarkana lawyer and UA trustee who is married to Supreme Court Justice Courtney Goodson.
UPDATE: Lamoureux was also listed as a registered lobbyist on the 2018 filing by DBH Management Consultants of Morrilton, the firm headed by former legislator Bruce Hawkins. He's been listed as a lobbyist on reports filed through April.


text:
Dallas Map Startup Shows Critical Data in One Place
Dallas, Data Visualization, Maps
Knowledge is power! And in our Information Age, data is the new form of knowledge. This data is being used to make humanity better. Technological advances are moving at the speed of Moore's Law which sees computer power doubling every two years.
Data can be used to improve the lives of people at the federal, state, and local levels. One of the ways to determine where data will encourage positive action is to actually see the data. This can be accomplished by creating a data visualization on a map.
For Dallas, Texas, this such data visualization has become a reality. A substantial number of data sets have been collected with the goal of making the city better. This visualization is called TheMap. D Magazine gives us some background of how the map came to be.
Improving Dallas with a Map
Robert Mundinger, a longtime resident of Dallas, noticed problems in the areas he lived in. Matt Goodman of D Magazine wanted to learn more about TheMap from Mundinger.
Matt writes, TheMap is "an open-source, interactive web portal that allows users to access an array of data sets that can help people better understand all sorts of things about Dallas. The data sets can be used to generate maps. It's all exportable. "A kid's educational outcome is dependent on education and crime and health and access to food, access to internet, libraries," Mundinger says. "All these variables affect each other so much that there needs to be one place where people can look at them together and analyze them."
What Mundinger wants to achieve in simple: Highlight at-risk areas of the city. In addition, and while he was at it, Mundinger went ahead and included more data set that might be of use.
There are neighborhoods in Dallas which have a high concentration of poverty. This is included in the map visualization. There are intersections that have more fatal pedstrian crashes than others. This is also included in TheMap. There's even data about where there are working females over the age of 16. The information contained within TheMap is comprehensive!
Let's take a closer look at the data sets available for viewing.
Data Sets in TheMap
Police stations, fire stations, neighborhood associations, poverty areas—these are some of the data sets that are included in TheMap. Take a look at the column on the left to see them all. TheMap defaults to Popular Maps whe you visit the website.
You can otherwise click on Education, Civic, Housing, or other major types of data sets. Check out the row near the top to see more.
Once you click a data set, the information will be uploaded to the map. Let's say you click on police departments. Pinpoints of every police department in Dallas will show up on the map. You can click them individually to get the name, address, and more information about the particular police department.
Bus Stops in Dallas
One of my favorite visualizations in TheMap is seeing where DART bus stops are. DART—which stands for Dallas Area Rapid Transit—seemingly has bus stops all over the city. A quick glance shows what can be estimated to over 100 bus stops.
This data set is surely important to Mundinger. After all, he's concerned with increasing the access of public services to all residents of Dallas, including those below the poverty line. With TheMap, Dallas city officials can combine areas of poverty with bus stop locations. If there's an area which is lacking of public transportation, DART could add a new bus stop there.
Combining Datasets in TheMap
One of the most powerful and helpful features of TheMap is the ability to combine and layer multiple datasets. To do this, you'll need to create an account which only takes a minute.
Let's say I want to see the locations of libraries and recreation centers. People considering a move to Dallas may enjoy both of these placs and want to live near them. See the screenshot of TheMap to see how it looks when you combine data sets.
Notice that recreation centers and libraries are shown on the left side. In the screenshot, they're both toggled as being "Visible" in TheMap. You can toggle either of them on or off to show their exact locations. Or, you can click on each pin to gain further information.
Final Thoughts on TheMap
Robert Mundinger has done a great, free public service to the city of Dallas. City officials should be using TheMap before they make decisions that will affect the residents of the city. For example, a new police station can be built near an area of high crime.
Dallas isn't the only city that can benefit from using TheMap. Mundinger, or people inspired by him, can take this idea and apply it to virtually any city. It would all be in the name of improving the lives of residents over an extended period of time.
Featured photo by Aksonsat Uanthoeng on Pexels
TheMap photos are screenshots by RPS Relocation


text:
TgCom24 interviews Anna Tavano: her husband, daughter, and professional growth
By Economia Finanza on 10 April 2020
Challenges, sacrifices and dreams of Anna Tavano, Head of Global Banking for HSBC Italy: guest of the TgCom24 section "Storie di Donne" (Stories of women), the manager reveals how she managed to achieve professional success in a predominantly male field, yet succeeding in combining marriage and motherhood.
Storie di Donne: personal and professional life of Anna Tavano, Head of Global Banking for HSBC Italy
"An outstanding career with a clear goal, to always be yourself": with these words, TgCom24 opens the interview with Anna Tavano, Head of Global Banking for HSBC Italy. Among the fifty most influential personalities in the financial world according to Financecommunity, she managed to make her way in a "professional field that is predominantly male", pursuing her dreams with courage and dedication. After graduating in Economics in Rome, she wanted work in the financial sector but – she said – "I had a problem: I knew French well because I had studied it at school, but I hardly knew English at all". So she moved to London, where she attended an English language course: "One day I met some of my old friends from university, who worked there; one of them suggested me to send my resume to an investment bank that was looking for young people to join the staff. I didn't even know how to write a resume in English, I asked some friends to help me out and I sent it. I was called for an interview and, to my surprise, they hired me". It was the beginning of a remarkable professional growth, which led her to face (and win) many challenges: "There was so much prejudice, that a client went so far and pointed out that I was not only young but also a female coming from southern Italy! Do you want to know how it ended? Over time, that person became one of my best clients. Great results for a very young woman from southern Italy". Many were also the sacrifices, as Anna Tavano recalls: "I have worked very hard for years, with schedules that did not allow me to have any social life nor time for myself. However, I was lucky because the system is meritocratic in London, and, from this point of view, neither age nor sex matters: my results have been recognized, and in eight years I have built up the career that in Italy I would probably have built in twenty years".
Combining marriage, motherhood and career: Anna Tavano's perspective
In her interview for TgCom24, Anna Tavano also talked about her loved ones: her husband and her daughter "are my absolute priority, they have helped me to grow professionally as well as emotionally". However, she never thought about giving up her job, because it is "a passion, I feel like it burns inside me". So, a few months after her maternity leave, she decided to accept an important assignment in the field of the Italian Public Administration, in order to give something in return to her country. It was a challenging and difficult experience. At the beginning, her purpose was to dedicate a maximum of three years of her professional life to this assignment and "in fact, at the beginning of the fourth year, the bank I had always worked for called me back. It was a bit like coming back home, until HSBC made me a job offer. I really liked the project, as well as the underlying culture and values, so I accepted this new challenge with great enthusiasm". To find a balance between family and work life was "quite an achievement", but it also served to learn "to take my time, to take care of myself without feeling guilty". Finally, Anna Tavano pointed out the importance of networking and supporting each other among female colleagues: "You always have to be yourself and never give up on your dreams". Achievements are always based on some sacrifices, as evidenced by her professional career, but "you never have to abandon the idea of achieving your goals: one day you could regret this".


text:
Cloud and Precipitation Properties of MCSs Along the Meiyu Frontal Zone in Central and Southern China and Their Associated Large-Scale Environments
Wenjun Cui, Xiquan Dong, Baike Xi, Min Liu
Hydrology & Atmospheric Sci
This study focuses on investigating the cloud and precipitation features of Meiyu mesoscale convective systems (MCSs) and their relation to the large-scale environments in central and southern China using satellite observations and reanalysis data during the period 2014–2018. MCSs from two different locations, the Yangtze River Basin (YRB) and Southern China (SC), are examined separately. The Meiyu MCSs have a mean precipitation rate of 3.6 mm/hr and contribute 20% to 60% of the total precipitation during the Meiyu period. The diurnal cycle of Meiyu MCSs shows a maximum precipitation amount in the morning, which is associated with the enhanced nocturnal low-level jet (LLJ) overnight. Although the synoptic setups in YRB and SC are found to be similar when normalized around the MCS initiation locations, MCSs exhibit some differences in terms of the cloud top height, precipitation rate, and duration, which are likely by the differences in the local forcing. Large interannual variations are found in MCSs' number, cloud size, lifetime, and rainfall intensity, which is found to be associated with the interannual variabilities in the large-scale environments. By comparing the large-scale environments with climatological mean states, we find that the year with the most intense MCS activity during the study period is characterized by an intensified southwesterly LLJ, which increases the moisture transport from the Indian Ocean and an enhancement of the midtropospheric westerly jet, which induces adiabatic ascent along the Meiyu front, creating more favorable conditions for convection.
e2019JD031601
Journal of Geophysical Research: Atmospheres
https://doi.org/10.1029/2019JD031601
MCS precipitation
Meiyu rainfall
10.1029/2019JD031601
Fingerprint Dive into the research topics of 'Cloud and Precipitation Properties of MCSs Along the Meiyu Frontal Zone in Central and Southern China and Their Associated Large-Scale Environments'. Together they form a unique fingerprint.
convective system Earth & Environmental Sciences
China Physics & Astronomy
Yangtze River Agriculture & Biology
river basins Physics & Astronomy
rain intensity Agriculture & Biology
convection Agriculture & Biology
Indian Ocean Agriculture & Biology
Cui, W., Dong, X., Xi, B., & Liu, M. (2020). Cloud and Precipitation Properties of MCSs Along the Meiyu Frontal Zone in Central and Southern China and Their Associated Large-Scale Environments. Journal of Geophysical Research: Atmospheres, 125(6), [e2019JD031601]. https://doi.org/10.1029/2019JD031601
Cloud and Precipitation Properties of MCSs Along the Meiyu Frontal Zone in Central and Southern China and Their Associated Large-Scale Environments. / Cui, Wenjun; Dong, Xiquan; Xi, Baike; Liu, Min.
In: Journal of Geophysical Research: Atmospheres, Vol. 125, No. 6, e2019JD031601, 27.03.2020.
Cui, W, Dong, X, Xi, B & Liu, M 2020, 'Cloud and Precipitation Properties of MCSs Along the Meiyu Frontal Zone in Central and Southern China and Their Associated Large-Scale Environments', Journal of Geophysical Research: Atmospheres, vol. 125, no. 6, e2019JD031601. https://doi.org/10.1029/2019JD031601
Cui W, Dong X, Xi B, Liu M. Cloud and Precipitation Properties of MCSs Along the Meiyu Frontal Zone in Central and Southern China and Their Associated Large-Scale Environments. Journal of Geophysical Research: Atmospheres. 2020 Mar 27;125(6). e2019JD031601. https://doi.org/10.1029/2019JD031601
Cui, Wenjun ; Dong, Xiquan ; Xi, Baike ; Liu, Min. / Cloud and Precipitation Properties of MCSs Along the Meiyu Frontal Zone in Central and Southern China and Their Associated Large-Scale Environments. In: Journal of Geophysical Research: Atmospheres. 2020 ; Vol. 125, No. 6.
@article{1c5298705ba14765b462dbe1160d4e2f,
title = "Cloud and Precipitation Properties of MCSs Along the Meiyu Frontal Zone in Central and Southern China and Their Associated Large-Scale Environments",
abstract = "This study focuses on investigating the cloud and precipitation features of Meiyu mesoscale convective systems (MCSs) and their relation to the large-scale environments in central and southern China using satellite observations and reanalysis data during the period 2014–2018. MCSs from two different locations, the Yangtze River Basin (YRB) and Southern China (SC), are examined separately. The Meiyu MCSs have a mean precipitation rate of 3.6 mm/hr and contribute 20% to 60% of the total precipitation during the Meiyu period. The diurnal cycle of Meiyu MCSs shows a maximum precipitation amount in the morning, which is associated with the enhanced nocturnal low-level jet (LLJ) overnight. Although the synoptic setups in YRB and SC are found to be similar when normalized around the MCS initiation locations, MCSs exhibit some differences in terms of the cloud top height, precipitation rate, and duration, which are likely by the differences in the local forcing. Large interannual variations are found in MCSs' number, cloud size, lifetime, and rainfall intensity, which is found to be associated with the interannual variabilities in the large-scale environments. By comparing the large-scale environments with climatological mean states, we find that the year with the most intense MCS activity during the study period is characterized by an intensified southwesterly LLJ, which increases the moisture transport from the Indian Ocean and an enhancement of the midtropospheric westerly jet, which induces adiabatic ascent along the Meiyu front, creating more favorable conditions for convection.",
keywords = "MCS precipitation, Meiyu rainfall, extreme precipitation",
author = "Wenjun Cui and Xiquan Dong and Baike Xi and Min Liu",
note = "Funding Information: The Integrative Monsoon Frontal Rainfall Experiment (IMFRE) was supported by the National Natural Science Foundation of China (under Grant 41620104009). The researchers at the University of Arizona were supported by the Climate Model Development and Validation (CMDV) program funded by the Office of Biological and Environmental Research in the U.S. Department of Energy Office of Science under Grant DE-SC0017015 at the University of Arizona. We thank Xiaofang Wang from IHR for providing the radar reflectivity data. The IMERG products can be downloaded online (from https://pmm.nasa.gov/data-access/downloads/gpm). The globally merged IR product can be found at the GES DISC website (https://disc.gsfc.nasa.gov/datasets/GPM_MERGIR_1/summary). The MERRA-2 reanalysis data can be downloaded online (from https://disc.gsfc.nasa.gov/datasets?keywords=%22MERRA-2%22&page=1&source=Models%2FAnalyses%20MERRA-2). The IHR 3D mosaic radar reflectivity can be accessed online (from http://doi.org/10.5281/zenodo.3697233).",
doi = "10.1029/2019JD031601",
journal = "Journal of Geophysical Research: Atmospheres",
T1 - Cloud and Precipitation Properties of MCSs Along the Meiyu Frontal Zone in Central and Southern China and Their Associated Large-Scale Environments
AU - Cui, Wenjun
AU - Dong, Xiquan
AU - Xi, Baike
AU - Liu, Min
N1 - Funding Information: The Integrative Monsoon Frontal Rainfall Experiment (IMFRE) was supported by the National Natural Science Foundation of China (under Grant 41620104009). The researchers at the University of Arizona were supported by the Climate Model Development and Validation (CMDV) program funded by the Office of Biological and Environmental Research in the U.S. Department of Energy Office of Science under Grant DE-SC0017015 at the University of Arizona. We thank Xiaofang Wang from IHR for providing the radar reflectivity data. The IMERG products can be downloaded online (from https://pmm.nasa.gov/data-access/downloads/gpm). The globally merged IR product can be found at the GES DISC website (https://disc.gsfc.nasa.gov/datasets/GPM_MERGIR_1/summary). The MERRA-2 reanalysis data can be downloaded online (from https://disc.gsfc.nasa.gov/datasets?keywords=%22MERRA-2%22&page=1&source=Models%2FAnalyses%20MERRA-2). The IHR 3D mosaic radar reflectivity can be accessed online (from http://doi.org/10.5281/zenodo.3697233).
N2 - This study focuses on investigating the cloud and precipitation features of Meiyu mesoscale convective systems (MCSs) and their relation to the large-scale environments in central and southern China using satellite observations and reanalysis data during the period 2014–2018. MCSs from two different locations, the Yangtze River Basin (YRB) and Southern China (SC), are examined separately. The Meiyu MCSs have a mean precipitation rate of 3.6 mm/hr and contribute 20% to 60% of the total precipitation during the Meiyu period. The diurnal cycle of Meiyu MCSs shows a maximum precipitation amount in the morning, which is associated with the enhanced nocturnal low-level jet (LLJ) overnight. Although the synoptic setups in YRB and SC are found to be similar when normalized around the MCS initiation locations, MCSs exhibit some differences in terms of the cloud top height, precipitation rate, and duration, which are likely by the differences in the local forcing. Large interannual variations are found in MCSs' number, cloud size, lifetime, and rainfall intensity, which is found to be associated with the interannual variabilities in the large-scale environments. By comparing the large-scale environments with climatological mean states, we find that the year with the most intense MCS activity during the study period is characterized by an intensified southwesterly LLJ, which increases the moisture transport from the Indian Ocean and an enhancement of the midtropospheric westerly jet, which induces adiabatic ascent along the Meiyu front, creating more favorable conditions for convection.
AB - This study focuses on investigating the cloud and precipitation features of Meiyu mesoscale convective systems (MCSs) and their relation to the large-scale environments in central and southern China using satellite observations and reanalysis data during the period 2014–2018. MCSs from two different locations, the Yangtze River Basin (YRB) and Southern China (SC), are examined separately. The Meiyu MCSs have a mean precipitation rate of 3.6 mm/hr and contribute 20% to 60% of the total precipitation during the Meiyu period. The diurnal cycle of Meiyu MCSs shows a maximum precipitation amount in the morning, which is associated with the enhanced nocturnal low-level jet (LLJ) overnight. Although the synoptic setups in YRB and SC are found to be similar when normalized around the MCS initiation locations, MCSs exhibit some differences in terms of the cloud top height, precipitation rate, and duration, which are likely by the differences in the local forcing. Large interannual variations are found in MCSs' number, cloud size, lifetime, and rainfall intensity, which is found to be associated with the interannual variabilities in the large-scale environments. By comparing the large-scale environments with climatological mean states, we find that the year with the most intense MCS activity during the study period is characterized by an intensified southwesterly LLJ, which increases the moisture transport from the Indian Ocean and an enhancement of the midtropospheric westerly jet, which induces adiabatic ascent along the Meiyu front, creating more favorable conditions for convection.
KW - MCS precipitation
KW - Meiyu rainfall
KW - extreme precipitation
U2 - 10.1029/2019JD031601
DO - 10.1029/2019JD031601
JO - Journal of Geophysical Research: Atmospheres
JF - Journal of Geophysical Research: Atmospheres
M1 - e2019JD031601


The NCHSAA first round of the Dual Team Women's Tennis Tournament is complete and scores listed below. Round 2 is scheduled to be completed on or before Oct.29.
The NCHSAA first round of the Dual Team Women's Tennis Tournament is complete and scores listed below. Round 2 is scheduled to be completed on or before Oct.29. State Championship round is scheduled for Saturday, Nov. 3 at the Burlington Tennis Center. Play is set to begin at 9 a.m.
#1 Williams (12-0, Mid-Piedmont) vs. WC Southwest Guilford (16-2, Piedmont Triad); ppd.


text:
'Weapon of mass destruction' charge added over US governor kidnap plot
10:11am Apr 29, 2021
US federal prosecutors have unveiled new charges against three men accused of an alleged plot to kidnap a US Governor, Gretchen Whitmer, including conspiracy to use a weapon of mass destruction.
Adam Fox, 40, Barry Croft, 45, and Daniel Joseph Harris, 23, were charged with knowingly conspiring to use weapons of mass destruction, in addition to the federal kidnapping conspiracy charges that were announced in October, when officials thwarted an alleged plot by the men and several others to kidnap the Michigan Governor, a Democrat.
READ MORE: 'Maybe it was a problem': Trump dismisses governor kidnapping plot
Michigan Governor Gretchen Whitmer was the target of a kidnap plot. (CNN)
The new charges come as part of a superseding indictment filed today by the US Attorney's Office for the Western District of Michigan that says Fox, Croft and Harris allegedly intended to use destructive devices to facilitate their plot to kidnap the governor by "harming and hindering the governor's security detail and any responding law enforcement officers".
CNN has reached out to attorneys for Fox, Croft and Harris for comment on the charges.
The new indictment alleges that on September 13, Fox ordered US$4000 (AU$5126) worth of explosives from an FBI agent posing as a co-conspirator.
That same day, according to the indictment, Croft and Harris successfully detonated an IED containing shrapnel near human silhouette targets "to assess its effectiveness as an anti-personnel weapon".
The superseding indictment also charges Croft and Harris with allegedly possessing an unregistered destructive device.
Then-President Donald Trump had called on Michigan residents to "liberate" the state. (Getty)
READ MORE: Man pleads guilty in conspiracy to kidnap Michigan governor
Fox, Croft and Harris are among a group of more than a dozen individuals who were charged in the case in October.
An additional eight people were charged by the state, seven of whom are associated with the group "Wolverine Watchmen".
As first reported by The Detroit News, the FBI became aware of the scheme in early 2020 through a social media group, according to the federal criminal complaint.
The case underscored the political tensions in Michigan that reached new heights as Ms Whitmer faced backlash for restrictions she imposed last year in response to the coronavirus pandemic.
Observers have pointed to then-President Donald Trump's rhetoric toward the governor and her state, including a tweet in which he called on residents to "liberate" the state from the restrictions.


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Many of the 44 million Americans who have used student loans to pay for college could benefit when they refinance student loans borrowed in pursuit of their degree. Graduates (and parent borrowers, too) can often lower a monthly payment, find a better interest rate, and/or combine their several loans into one convenient payment. Our Guide to Refinance Student Loans provides a quick overview to help you make the right decision about whether or not to refinance student loans.
Student loan refinancing describes the process of taking out a new loan where the proceeds are used to pay off an existing federal student loan(s) and/or private student loan(s).
Who can refinance student loans?
Anyone who holds education debt, including federal student loans, private student loans, or federal parent loans, is eligible to refinance student loans. However, lenders have credit, income, and other requirements that can severely limit a borrower's eligibility for refinancing.
Student loan consolidation is a form of refinancing available from the US Department of Education that is available only for federal student loans and parent PLUS loans. Learn more about consolidation.
How does one refinance student loans?
To refinance student loans, a prospective borrower chooses a refinancing lender, and completes an application. If a co-signer is required, the co-signer must also complete a section of the application. Once the student loan refinance is approved, the new lender will work with the borrower to identify the student loans to be refinanced.
The lender will do most of the leg-work involved in contacting the previous lenders, but the borrower is often called-upon to verify account details. There are stories of borrowers refinancing as many as 25 (!) student loans into a new loan. In cases where there are many existing loans, this part of the process can take a few days to a few weeks. Once details on each of the existing student loans are in hand, the new lender finalizes the process by releasing money directly to the previous lenders.
Important! Continue to make regular payments on the existing loans until the new loan is funded.
What to look for in a student loan refinance product?
Prospective borrowers who want to refinance student loans have many lenders and loan structures to choose from – so make sure to do your homework and evaluate your options.
Student loan refinance is available from many lenders. Large banks and financial institutions, state-sponsored agencies, specialty education lending companies, and credit unions are among the types of organizations that make student loan refinance loans.
When evaluating the lender, consider factors such as customer service, longevity, and the organization's mission (some of the lenders may have non-profit status and/or commit to support a particular social good). Also, consider whether you have dealings – such as deposit accounts, a credit card, or other borrowing – from a prospective student loan refinance lender. Sometimes this broader relationship with a lender can lead to interest rate discounts or other benefits.
Most lenders offer a choice to refinance student loans with either a fixed interest rate or a variable interest rate structure. There are potential benefits to either structure, so think carefully about what structure is best for you.
In general, variable rate loans will carry lower interest rates, but have the risk that rates will increase over the time you are repaying the loan. Fixed rate loans usually have somewhat higher interest rates, but that rate won't increase over the repayment period.
Most lenders will refinance student loans with a range of lengths of time over which the borrower can repay the new loan. Typically, these range from 5-15 years, although some lenders will allow up to 20 years to repay.
Keep in mind that a longer repayment term means you will be paying interest on the loan for a longer period, resulting in a higher total cost of loan.
In addition to the obvious points of comparison we discuss above, make sure to pay attention to other possible benefits offered by some lenders. For example, some lenders will refinance student loans and provide discounts for automatic debiting of monthly payments. Other loan features, such as co-signer "release" or repayment flexibility for economic hardship, can also make a particular student loan refinance product stand out from among the many options available. Read the fine print.
Make sure you shop around – use comparison resources like ours – before you commit to refinance student loans with a particular lender. We are also building comprehensive reviews of the various student loan refinance lenders, including for College Ave Student Loans, Earnest, and LendKey.
Refinance student loans with your personal objectives in mind. Are you trying to save money on your monthly payment? Are you trying to lower your total cost of borrowing? Are you trying to streamline your finances by replacing several loans with one new loan? Those three considerations are the main drivers of why graduates and parents refinance student loans. If refinancing helps you meet one of these objectives, then it might be the right step for you.
1 Subject to credit approval. Terms and conditions apply. To qualify for refinancing or student loans consolidation through ELFI, you must have at least $15,000 in student loan debt and must have earned a bachelor's degree or higher from an approved post-secondary institution.
2 APR stands for "Annual Percentage Rate." Rates listed include a 0.25% EFT discount, for automatic payments made from a checking or savings account. Interest rates as of 4/05/2019. Rates subject to change.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower's bank account.
3 Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is cancelled, any increase will take the form of higher payments.
4 Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.49% effective March 10, 2019.
5 Fixed rates from 3.890% APR to 8.074% APR (with AutoPay). Variable rates from 2.500% APR to 7.115% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.500% APR assumes current 1 month LIBOR rate of 2.50% plus 0.00% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score.
6 Annual percentage rates (APRs) assume you are enrolled in and maintain auto-debit payments from the date of origination. Enrolling in auto-debit results in a 0.25% interest rate reduction. Without enrolling in auto-debit, the rate will range from 3.50% APR to 7.50% APR. Not all borrowers receive the lowest rate. If you are approved for a loan, the rate offered will depend on your credit profile and the term you select and will be within the ranges shown above assuming the auto-debit interest rate reduction applies.
7 Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate ("LIBOR") published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of April 1, 2019, the one-month LIBOR rate is 2.50%. Variable interest rates range from 3.00%-9.74% (3.00%-9.74% APR) and will fluctuate over the term of the borrower's loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89%-9.99% (3.89%-9.99% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan.
8 Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.
9 Rates above include 0.25% discount for auto-pay.
10 Get a variable interest rate from 4.74% APR to 7.74% APR (3-Month LIBOR + 2.12% to 3-Month LIBOR + 5.12%) for either a 10-year or 20-year repayment term. Or lock in a fixed interest rate from 5.74% APR to 8.49% APR for a 10-year repayment term or from 5.99% APR to 8.49% APR for a 20-year repayment term. The fixed interest rate is set at the time of application and does not change during the life of the loan. The variable interest rate is calculated based on the 3-Month LIBOR index plus the applicable margin percentage. The margin is based on your credit evaluation at the time of application and does not change. For variable interest rate loans, the 3-Month LIBOR is 2.63% as of April 1, 2019. Discover Student Loans may adjust the rate quarterly on each January 1, April 1, July 1 and October 1 (the "interest rate change date"), based on the 3-Month LIBOR Index, published in the Money Rates section of the Wall Street Journal 15 days prior to the interest rate change date, rounded up to the nearest one-eighth of one percent (0.125% or 0.00125). This may cause the monthly payments to increase, the number of payments to increase or both. The lowest listed APRs include a 0.25% rate reduction for automatic payments. Visit www.discover.com for more information, including up-to-date interest rates and APRs.
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The inside of the box reads: 'The Love Between a Mother and Son is Forever'. The box measures 3" square x 2¾".
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Karen Staffen's fourth-graders at Hugh Gallagher Elementary School were willing to do some yucky chores to help someone else.
Carson Barnes, 9, picked up dog droppings from his yard – and "they were all over," he said.
Others had to clean up after their dogs or horses, and one boy had to scrape bird droppings off of a window. One girl who went to clean her rabbit's cage fell into it.
All this work was done so that a family in need could have presents for Christmas.
Staffen came up with the idea to have her students do extra chores at home, for which the parents would pay them. That money would be donated to a family in Storey County that was in need this year.
Staffen got the wish list of a family of six – a husband, wife and four children, who remained anonymous – from Community Chest Inc., a social service provider in Storey County. Then the students started doing chores to help the family out.
On Monday, the students wrapped the presents they worked so hard to fund, with Staffen doing the shopping.
Sydney Clark, 9, raised $20 by shoveling snow, bringing in firewood, and washing and putting away the dishes.
Brecken Hicks, 9, also shoveled snow, and he vacuumed his house for $10.
She said the kids did so well, they had more money than they needed to fill the family's wish list.
The total amount raised was $125, and Staffen kicked in the last $4 to pay the $129 total when she went shopping for the items and wrapping material.
Jordan Seddon brought in $25 by raking her yard and helping to put up her Christmas tree. She also collected donations from others.
"They just heard about it and donated," she said.
Velisity Barker, 9, also helped with the family tree, swept and mopped the floor, and did another yucky chore: cleaning out the cat's litter box.
Staffen said the project began right before the Thanksgiving break, to give her 27 students time to raise the money. She said they brought in a little at a time, but eventually raised $125.
• Contact Karen Woodmansee at kwoodmansee@nevadaappeal.com or 881-7351.