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Everyday Money
How the Fed's Latest Interest Rate Hike Will Affect Your Wallet
By: Julia Glum
Julia Glum
News Editor | Joined February 2018
A graduate of the University of Florida, Julia has four years of experience in personal finance journalism and specializes in covering money trends.
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Originally Published: Sep 21, 2022 Last Updated: Sep 21, 2022 7 min read
https://money.com/fed-interest-rate-hike-september-2022/
Money; Getty Images
Oops, they did it again.
The Federal Reserve announced its fifth consecutive interest rate hike on Wednesday, bumping up the target federal funds rate by 0.75% to reach a range of 3% to 3.25% in its ongoing battle against inflation in the U.S. It hasn't been this high since 2008.
The Fed's September rate hike isn't a surprise. The nation's central banking system has been raising interest rates for months to try to decrease inflation, which it generally likes to see around 2% over the long run in order to promote a healthy economy. In August, inflation reached 8.3% before seasonal adjustment.
Inflation is so high due largely to the economy's strong pandemic recovery, snarls in the supply chain and Russia's invasion of Ukraine. But those factors — as well as moves by the Fed — can seem irrelevant to everyday Americans scrounging to pay for more expensive groceries and gas.
Here's what you need to know about Wednesday's announcement and how it will actually impact you.
The Fed just announced another rate hike
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Why did the Fed raise interest rates again?
One of the Fed's main jobs is to oversee "the nation's monetary policy by influencing money and credit conditions in the economy in pursuit of full employment and stable prices," according to its website.
That basically means it's in charge of making sure inflation doesn't get too high — not only because higher prices make life more difficult for consumers, but also because they can decrease demand, ultimately hurting the economy.
If you've bought anything lately, you've likely noticed that inflation is running high. Food prices, for instance, are up 11.4% over the last year, the biggest 12-month uptick since 1979. The Fed is tasked with bringing inflation down, and manipulating interest rates is one way it can do that.
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But isn't inflation getting better?
August's 8.3% number is a decrease from the ultra-high inflation numbers we saw earlier this year (like 9.1% in June and 8.5% in July). On a monthly basis, prices for items like airfare, gas and used cars are falling.
Even so, inflation is way above the 2% benchmark the Fed prefers. While low, stable inflation is normal, some categories are seeing runaway spikes: The cost of shelter (rent) is up 6.2% from August 2021. Medical care costs have surged 5.4%, and new car prices have grown by 10.1%.
So there's a long way to go, and the Fed is poised to stay the course: "The [Federal Open Market Committee] is strongly resolved to bring inflation down to 2%, and we will keep at it until the job is done," Fed Chair Jerome Powell said at a Wednesday news conference.
In fact, some experts say inflation is so out of control that the Fed should be acting even more drastically. Steven Blitz, chief U.S. economist at global research provider TS Lombard, told the Wall Street Journal that a 0.75% hike amounts to "rolling the dice on the hope that lower commodity prices and a slowing global economy will deliver a lower inflation rate."
Mortgage Rates are about to go up, according to The Fed
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Is the Fed going to cause a recession?
In an August speech, Powell hinted that the Fed is so committed to slashing inflation that it may slow the economy's growth and trigger some "some softening of labor market conditions" — aka drive up unemployment. He acknowledged this will "bring some pain to households and businesses."
"No one knows whether this process will lead to a recession, and, if so, how significant that recession would be," he said Wednesday.
Some experts do predict a recession could be on the horizon. In a CNBC survey of economists, money managers and strategists earlier this summer, 63% of respondents said the Fed's moves would cause a recession. Bloomberg's editorial board published an opinion piece Wednesday declaring that "The Fed Should Be Willing to Cause a Recession."
Sen. Elizabeth Warren, D-Mass., has been emphatically raising the alarm, telling CNN in late August that she's "very worried that the Fed is going to tip the economy into recession."
"What's worse than high prices and a strong economy is high prices and millions of people out of work," Warren reportedly added.
What does the Fed rate hike mean for me?
By raising the federal funds rate, the Fed is making it more expensive for banks to borrow money from each other, causing a ripple effect that will in turn make borrowing more expensive for consumers. Online banks may again increase interest rates on high-yield savings accounts in a bid to convince customers to keep their deposits at the bank.
Credit card APRs (annual percentage rates) will likely continue to rise, meaning carrying debt will cost you more. So if you can, it's especially important to pay your credit card bills in full and on time every month. If you can't, make sure the balance is on your card with the lowest APR.
Fluctuations in the stock market are to be expected, as well, but "it's premature for investors to tear up their existing playbook based on a single volatile data point and tough talk, but not yet really painful action, from central banks," Jason Draho, head of Asset Allocation Americas at UBS Global Wealth Management, wrote Wednesday.
It's unclear how the rate hike may influence mortgage rates, which have been rising for months and depressing home sales (as well as prices) in the process. There's not a cut-and-dried correlation here: After the July rate hike, mortgage rates actually dropped.
Nonetheless, Lawrence Yun, chief economist for the National Association of Realtors, said in a news release that "the housing sector is the most sensitive to and experiences the most immediate impacts from the Federal Reserve's interest rate policy changes."
That said, it's still possible to buy a home if you do your research and set a budget, as Glenn Brunker, president of Ally Home, wrote in a email to reporters. He added that house hunters should "think of it as a game of chess where some costs may move in one direction and some in another."
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We will be accepting 100 attendees this year.
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The search is on for the Top 5 MBA Startups of 2019. If you are in business school and you have founded a startup, we invite you to apply to present, meet, and network with Silicon Valley's top angel investors and venture capitalists at the Wharton Entrepreneurship Club's pitch competition on March 22, 2019. The pitch competition will be held at the Google Developers Launchpad Space (543 Howard St) in San Francisco, CA.
Deadline to apply to pitch is 11:59 PM EST on Friday, February 22, 2019.
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We invite all MBA founders to apply.
Our grand prize winner will win $100K in Google Cloud Platform credits, in-kind corporate legal advice from Wilson Sonsini Goodrich and Rosati, a 1-on-1 mentorship session with First Round Capital Founder and Partner Josh Kopelman, and a 1-on-1 mentorship session with Pear VC Founder and Partner Mar Hershenson.
Who is eligible to apply to compete in the pitch competition?
Your company must have at least one cofounder that is a current MBA student at an accredited business school in the United States. We will accept companies with cofounders that have been enrolled in an MBA program at a business school, but is currently taking a leave of absence or is on a gap year. We will verify your student status with your university.
Can I apply for the pitch competition if my company is not an American company?
No, we will only accept companies that are legally incorporated in the United States of America.
Yes. We will only accept companies that submit an application online. We will not accept any companies that apply by email.
If accepted, will I have to travel to San Francisco for the pitch competition?
Yes, the company and the cofounders presenting at the pitch competition must be willing and able to travel to San Francisco, CA on March 22, 2019.
What is the format of the pitch competition?
5 companies will be asked to present 5 minute pitches + 5 minute Q&A to a panel of investors.
Wilson Sonsini Goodrich & Rosati has more than five decades of experience counseling the world's most innovative companies such as Google, Netflix, Salesforce and Twitter. We understand start-ups' need to run lean in the face of unique challenges and circumstances. We leverage our entrepreneurial mindset, industry expertise, practice area depth and our extended network to support startups at every stage of growth.
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You are here: Home › engineering › Richard Arkwright – the Father of the Industrial Revolution
Richard Arkwright – the Father of the Industrial Revolution
engineering	 3. August 2014 0 Tabea Tietz
Portrait of Sir Richard Arkwright
by Mather Brown
On August 3, 1792, Sir Richard Arkwright passed away. He was a self-made man and a leading entrepreneur during the early Industrial Revolution. Arkwright's achievement was to combine power, machinery, semi-skilled labour and the new raw material (cotton) to create mass-produced yarn. His skills of organization made him, more than anyone else, the creator of the modern factory system. Later in his life Arkwright was also known as 'the Father of the Industrial Revolution'.
Richard Arkwright was educated by his cousin and later apprenticed to a barber. In the 1750s, he invented waterproof dye for wigs. He increased his interest in spinning and carding machinery that could turn raw cotton into thread. However, industrial production of cotton was not really possible back then. Lewis Paul invented a carding machine in 1748 that required a lot of human labor, while James Hargreaves's spinning Jenny was suitable to produce only the weaker thread or the woof. Arkwright began working on an improved version of a spinning machine and along with the clockmaker John Kay, he was able to the water frame which produced a stronger length-wise thread [1,2].
Arkwright and Kay patented their work and Arkwright used nearly all of his savings to do so. The inventor turned to water-powered energy and built, along with Jedediah Strutt and Samuel Need, the first successful water-powered cotton mill and presumably, the first modern factory in the world. He went on to improve the cotton production process and patented improved carding machine which along with other inventions enabled him to increase the production of high quality thread at a lower cost. Soon, he set up new mills throughout Britain and became one of the most successful entrepreneurs of the Industrial Revolution [1].
In the following period, the inventor and businessman had to face several accusations by contemporary inventors to have stolen their ideas and technologies. Arkwright lost his patent for the water frame and his carding machine from 1785. Still, he had been very well established in this field of business and was knighted by King George III in 1786 [1]. Only six years later, the inventor passed away as a very wealthy man. Even though he has been accused of stealing many ideas, it is no doubt that his status as a well established inventor and his contribution to the Industrial Revolution are significant. Samuel Slater later brought Arkwright's manufacturing system to America and managed to build a water-powered cotton mill there, which was an important development in the industrialization of the US [1,2].
At yovisto, you may be interested in a video lecture on the Industrial Revolution by John Merriman at Yale University.
References and Further Reading:
[1] Richard Arkwright – The Father of the Modern Factory System
[2] Essay on Richard Arkwright at Cotton Times
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Why all of the hype? That's what I have been asking myself all afternoon. If you have found yourself reading this blog, it is more than likely because of the "update" heard around the Amazon review world. If not, keep reading to learn a little more about Amazon's Terms of Service. This afternoon we were … More Why all the hype?
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Home » Apartment » Charles Rose Architects Design a Stylish Apartment in New York City
Charles Rose Architects Design a Stylish Apartment in New York City
By Magaly • Mar 30, 2016
West 27th Street Penthouse by Charles Rose Architects (1)
West 27th Street Penthouse by Charles Rose Architects (10)
West 27th Street Penthouse is a private residence located in New York City, USA.
It was designed by Charles Rose Architects in 2014 and covers an area of 4,000 square feet.
West 27th Street Penthouse by Charles Rose Architects:
"A professional couple in New York City commissioned us to design a home that could serve as a soothing oasis within the city. They had purchased a penthouse loft that included access to a rooftop in the Garment District, and wished to introduce natural light into the space as well as direct access to the roof, with its dramatic views of the surrounding city.
Our design strives to create a place of tranquility: the interior spaces flow into one another without obstruction; the circulation is and effortless. We introduced natural light to the interiors through the creation of two linear skylights and a small, two-story glass atrium, which also provide direct access from the living area to the roof.
The architecture is formally spare, and the materials are limited and warm: wood, concrete, blackened steel, and tile lend their unique properties to each room. The spaces are appointed with furniture that reinforces its simplicity—from the rectilinear benches that run the length of the dining table to the flush casework throughout the space. The blackened-steel and wood stairway ascends into the light of the atrium.
The wooden tile mosaic in the dining area is a bold tapestry, but the placid look in the girl's eyes—evoking Botticelli's Birth of Venus—tempers its presence and allows it to augment the space without diminishing its calm. The mosaic was originally created for and installed in a New York restaurant. The mosaic was a favorite of the clients: a product resulting from the collaboration of an illustrator and a design studio. The mosaic was slated for demolition to make way for a new tenant, so the clients obtained it for the space. A week before its scheduled demolition the clients managed to save it: purchasing it and hiring a crew to dismantle it piece by piece, carefully numbering and wrapping each tile in conservation paper.
The roof terrace celebrates the expansive view of New York City; the Empire State Building rises majestically in the distance. With trees lining the perimeters, the terrace feels grounded and adds to the client's desire for an oasis. The furniture is minimal and modern. The solidity of wood and stone is punctuated by the skylight's glass—a layer of transparency that is a counterbalances to the other materials."
Photos courtesy of Charles Rose Architects
Shipping Container House in El Tiemblo by James & Mau Arquitectura and Infiniski
Modern Architectural Masterpiece in Hollywood Hills
Lofts Yungay II by Rearquitectura


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Travel-Russia
Peter and Paul Cathedral
The historical core of St. Petersburg is the Peter and Paul Fortress, a monument of military and engineering excellence. Located on Zayachy Island, the Fortress forms an irregular hexagon that stretches east to west with six bastions at the corners. The walls of the Fortress that face the Neva River were lined with granite blocks with fortifications built on the southern bank of the Petrogradsky Island for added protection. Inside are the former Royal Mint and the Peter and Paul Cathedral. The present Peter and Paul Cathedral are made of stone and replaced the old wooden church of St. Peter and St. Paul. This cathedral was St. Petersburg's first monumental building and is also the burial vault of many Russian emperors.
Peter and Paul Cathedral, St. Petersburg, Russia
RussiaSt PetersburgSaint PetersburgPeter PaulPeter Paul CathedralCathedral


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The 1950 Junior Rugby TDIAA Championship Team. George Cass Asst Coach- Jim Rowlandson Coach. Seven of these boys also were on the 1949 Jr. Basket Ball TDIAA Championships. FfIND: BR: Auld , Bolton: CTR: Graves, FR: Himel,Murray, Sutton, Knight. But WHO was the Waterboy???? Anyone now that?
A close-up of Ron Good, wearing his senior jacket.
Another shot of Ron Good wearing his senior jacket. Ron you`re still in good form!
Ron Good`s VRCI pennant with attached badge; his football jacket 1952.
Acta Studentium for 1950, 1951, 1952, and 1953; Vaughan "V" letter athletic awards won by Ron Good for being voted the best lineman on the team: 1949 Midgets, 1950 Juniors and the 1951 and 1952 Seniors; and the official letter awarded to Ron Good in recognition for managing the Senior Basketball teams of 1952 and 1953.
Ron Good`s basketball warm up jacket 1952-1953.
Framed football team pictures: 1949 Midgets, 1950 Juniors, 1951 Seniors, 1952 Seniors; Ron Good`s jersey, his "official" letter awarded in recognition for his managing the Senior Basketball teams of 1952 and 1953, and his "V" letter awards for being voted the best lineman on the team: 1949 Midgets, 1950 Juniors and the 1951 and 1952 Seniors.


The Kimbaww House was de name of two historicaw hotews in Atwanta, Georgia. United States. Bof were constructed on an entire city bwock at de souf-soudeast corner of Five Points, bounded by Whitehaww Street (now part of Peachtree Street), Decatur Street, Pryor Street, and Waww Street, a bwock now occupied by a muwti-story parking garage.
The first Kimbaww House was buiwt of brick and painted yewwow wif brown trim.
In 1870 on a recommendation of buiwding contractor John C. Peck, Hannibaw Kimbaww purchased a wot near de Union Depot where de Atwanta Hotew had been before being burned in 1864 during de Civiw War. He gadered de financing for de endeavor drough a confusing (and water a scandawous) combination of bonds, mortgages and subscriptions. The originaw estimate for de hotew was $250,000, dough it eventuawwy cost $650,000, 1/15f de totaw assessed vawue of Atwanta reaw estate at de time. The unusuaw funding scheme resuwted in Kimbaww fiwing for bankruptcy and wosing controw of de buiwding by de next year.
Kimbaww hired Wiwwiam Parkins as de architect whiwe Peck served as de construction manager for de project., Construction began immediatewy on March 28, 1870, de day after Kimbaww received his wease from King. The wot, primariwy owned by Joseph Thompson, was wocated on Pryor Street between Decatur and Waww. Thompson sowd his portion of de wand to Kimbaww drough his reaw estate agent George W. Adair. The rest of de wand was weased to Kimbaww by Richard Peters and John P. King.
Kimbaww began construction, promising to have de hotew compwete by October 1870. True to his word, Kimbaww hosted a dinner to cewebrate de opening of de hotew on October 17 dat year, awdough de structure was onwy two-dirds compwete, and parts of de interior work wouwd take de better part of a decade to be finished.
The compweted six-story buiwding was buiwt of brick and painted yewwow wif brown trim. It had a four-story open-air wobby fiwed wif pwants, fwowers, and a 12-foot-diameter (3.7 m) fountain, uh-hah-hah-hah. The house awso boasted gas-wight chandewiers, a centraw heating pwant, a waundry, biwwiard haww, and 500 hotew rooms. It awso had sixteen stores. It was de first buiwding in Atwanta to have ewevators and centraw heating.
In many ways, de buiwding was de pubwic face of Reconstruction era Atwanta, housing presidents and raiwroad executives whiwe hosting powiticaw meetings and business meetings. Many important citizens wived deir aduwt bacheworhoods in its rooms. Robert Toombs made de Kimbaww house his second home in Atwanta. The hotew showcased famous entertainers of de day incwuding Generaw Tom Thumb and Edwin Boof, broder of John Wiwkes Boof.
In 1892, de Kimbaww House was de center of excitement surrounding de first University of Georgia vs. Auburn footbaww game hewd on February 20, 1892. Bof teams arrived in Atwanta via de raiwroad, de Georgia team riding on de Georgia Speciaw, and dey immediatewy headed to de Kimbaww House where tickets were being sowd at 50 cents for aduwts and 25 cents for chiwdren, uh-hah-hah-hah.
At 4:30 am on August 12, 1883, a carewess cigar-smoking wemon deawer began a fire in de soudwest corner of de huge buiwding. The fire spread drough de ewevator shafts and qwickwy got out of controw. The Atwanta Fire Department was unabwe to do much because of difficuwty in reaching de site and poor water pressure from de city cisterns. By 8:00 a.m., de buiwding was destroyed; no wives were wost.
Citing a woss of business and prestige to de city, George Adair, Henry W. Grady, Richard Peters and oders began fundraising for rebuiwding de hotew. They soon cawwed on Kimbaww to wead de effort, even dough he den resided in Chicago and had had no deawings wif de property since weaving town ten years before.
Buiwt on de same site, but much warger dan its predecessor, it had seven fwoors wif 31 stores, 22 pubwic rooms, and 357 hotew rooms.
The structure was buiwt to be compwetewy fireproof, and officiawwy opened for business on New Year's Day 1885.
When owner Hugh T. Inman's daughter Annie married banker John W. Grant in 1893, Inman gave de Kimbaww House as a wedding gift to de coupwe.
Biww Monroe's first sowo recording session, to be reweased as The Bwue Grass Boys, was recorded in a temporary recording studio in de Kimbaww House on October 7, 1940.
It was razed in 1959, de first of many historic buiwdings demowished in Atwanta during de 1960s and '70s, and repwaced by a parking deck which stiww stands.
^ a b c d e f g h i j k w m n Shingweton, Royce (1985). Richard Peters:Champion of de New Souf. Mercer University Press. ISBN 0-86554-126-4.
^ a b c Cawdweww, Wiwber W. (2001). The Courdouse and de Depot: The Architecture of Hope in an Age of Despair. Macon, Georgia: Mercer University Press. p. 52. ISBN 0-86554-748-3.
^ a b Stegeman, John F. (2007). The Ghosts of Herty Fiewd:Earwy Days on a Soudern Gridiron. Adens, GA: University of Georgia Press. pp. 8–10. ISBN 0-8203-1959-7.
^ Gawwoway, Tammy (2002). The Inman Famiwy: An Atwanta Famiwy from Reconstruction to Worwd War I, p. 64. Macon, Georgia: Mercer University Press. ISBN 0-86554-755-6.
^ Rosenberg, Neiw V.; Charwes K. Wowfe (2007). The Music of Biww Monroe. University of Iwwinois Press. p. 28. ISBN 0-252-03121-0.
^ Garrett, Frankwin M. (1974). Yesterday's Atwanta, p. 52. Seemann's historic cities series, no. 8. Miami, FL: E.A. Seemann Pubwishing, Inc. ISBN 0-912458-35-6.
^ Rose, Michaew (2001). Atwanta Then & Now, p. 24. San Diego, CA: Thunder Bay Press. ISBN 1-57145-474-8.
† – Centenniaw Owympic Stadium was rebuiwt in 1997 as Turner Fiewd. Subsenqwentwy, Turner Fiewd was rebuiwt in 2017 as Georgia State Stadium.
This page was wast edited on 7 September 2018, at 19:43 (UTC).


Summary Dendritic cells are the initiators of the adaptive immune response, therefore its gene expression allow us to predict the responses to vaccination. We used bone marrow derived dendritic cells (BMDC) to analyze the gene expression that result from the exposure to adjuvants. We use model antigen OVA and cyclic di-AMP (CDA) as an adjuvant in order to characterize the genes involved in the activation of dendritic cells by CDA alone or when the antigen is present.
Overall design Cuadruplicates/Triplicates of different time points indicated below.


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hyperbole in i've been to the mountaintop
And some began to say the threats, or talk about the threats that were out (Yeah), or what would happen to me from some of our sick white brothers. [Applause], Now that's a strange statement to make because the world is all messed up. I just want to do God's will. It's possible that those men were afraid. But it doesn't matter with me now. And I don't mind. [Recording interrupted] Now that question could have easily ended up in a philosophical and theological debate. "We've got some difficult days ahead," Martin Luther King, Jr., told an overflowing crowd in Memphis, Tennessee, on 3 April 1968, where the city's sanitation workers were striking. And He's allowed me to go up to the mountain. (Foss 300). Now what does all this mean in this great period of history? And you know, it's possible that the priest and the Levite looked over that man on the ground and wondered if the robbers were still around. [Applause] Bull Connor next would say, "Turn the fire hoses on." Fifty years ago this week, the Rev. One day a man came to Jesus and he wanted to raise some questions about some vital matters of life. (Yes) Somewhere I read (Yes) that the greatness of America is the right to protest for right. Samaritan.�, 3. Martin Luther King's speech "I've Been to the Mountaintop" combines all three modes of persuasion: ethos, pathos, and logos. (Yes) Somehow the preacher must say with Jesus, "The spirit of the Lord is upon me (Yes), because He hath anointed me (Yes), and He's anointed me to deal with the problems of the poor." 1-The Sick Nation Metaphor 2- The Jericho Road Metaphor 3-The Mountaintop/Promised Land Metaphor The Mountaintop/Promised Land Metaphor Metaphors Conclusion "Like anybody, I would like to live - a long life; longevity has its place. I read a few, but one of them I will never forget. But I'm not concerned about that now. If it means leaving work, if it means leaving school, be there. But I … What was that? But I'm not concerned about that now. [Applause] (Go ahead, Go ahead) And so I'm happy tonight; I'm not worried about anything; I'm not fearing any man. [Laughter] It's always good to have your closest friend and associate to say something good about you, and Ralph Abernathy is the best friend that I have in the world. (Yeah) At other times we would speculate that there was a religious law that one who was engaged in religious ceremonials was not to touch a human body twenty-four hours before the ceremony. But I'm not concerned about that now. You know, what's beautiful to me is to see all of these ministers of the Gospel. And I don't mind. He's been to jail for struggling; he's been kicked out of Vanderbilt University for this struggling; but he's still going on, fighting for the rights of his people. And I don't mind. (All right, Yes) And I see God working in this period of the twentieth century in a way that men in some strange way are responding. As I listened to Ralph Abernathy and his eloquent and generous introduction and then thought about myself, I wondered who he was talking about. The speech primarily concerns the Memphis Sanitation Strike.King … (Keep on), I would even come up to the day of the Renaissance and get a quick picture of all that the Renaissance did for the cultural and aesthetic life of man. And we've had the plane protected and guarded all night.". (Yes) We just need to go around to these stores (Yes sir), and to these massive industries in our country (Amen), and say, "God sent us by here (All right) to say to you that you're not treating His children right. I'm not asking you something that we don't do ourselves in SCLC. "I've Been to the Mountaintop" by Dr. Martin Luther King, Jr. Dr. Martin Luther King, Jr. delivered this speech in support of the striking sanitation workers at Mason Temple in Memphis, TN on April 3, 1968 — the day before he was assassinated. [Applause] It's all right to talk about the new Jerusalem, but one day God's preacher must talk about the new New York, the new Atlanta, the new Philadelphia, the new Los Angeles, the new Memphis, Tennessee. And they were telling me. But he got down with him, administered first aid, and helped the man in need. Start studying I've Been to the Mountaintop. [Applause], Let us rise up tonight with a greater readiness. But it really doesn't matter with me now, because I've been to the mountaintop. Well, I don't know what will happen now; we've got some difficult days ahead. I just want to do God's will. "I've Been to the Mountaintop" was the last speech delivered by Martin Luther King, Jr. "I've Been To The Mountaintop", by Martin Luther King Jr.Outside Sources: In the biography of Martin Luther King Jr, by The Official Website of the Nobel Peace Prize, his life and accomplishments are outlined. And I've looked over. I've Been to the Mountaintop MARTIN LUTHER KING JR. He spoke on April 3, 1968 at the Mason Temple in Memphis, Tennessee, a day before his assassination. If I had sneezed (Yes), I wouldn't have been around here in 1961, when we decided to take a ride for freedom and ended segregation in interstate travel. There are three main metaphors that King uses: This metaphor is used to portray King�s disgust with the state of a But now no longer can they just talk about it. [Applause] Now we've got to keep attention on that. It's a winding, meandering road. Like anybody, I would like to live a long life. (All right) But I wouldn't stop there. (Yeah) [Applause], Now we're going to march again, and we've got to march again (Yeah), in order to put the issue where it is supposed to be (Yeah) [Applause] and force everybody to see that there are thirteen hundred of God's children here suffering (That's right), sometimes going hungry, going through dark and dreary nights wondering how this thing is going to come out. The next minute I felt something beating on my chest.
Marvel Franchise Net Worth, Minestrone Vegan Recipe, My Laburnum Tree Is Dying, Asics Tennis Shoes Gel-resolution 7, Shepherds Pie With Instant Potatoes And Cheese,
hyperbole in i've been to the mountaintop 2020


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Greens from our tree at home. Merry Christmas, Francis!
We miss you!
The Art of Grief: 'Windows and Mirrors'
"Collateral Damage," oil painting by Lillian Moats
Newly posted at The Common On-Line, "The Art of Grief: 'Windows and Mirrors,'" an excerpt from my work-in-progress, Losing Francis: One Family's Journey through a Decade of War.
'Really awesome!': Kansas City VA & Francis Fund Update
Francis in Afghanistan, 2006-7.
I had a great call yesterday with Monique at the Kansas City VA's Voluntary Services Unit. She's one of the staff members who's been, along with her many other duties, helping manage donations to the KC VA in memory of Francis.
"Really awesome!" is how she described all that we, collectively—our family, friends, & the many great folks we've never met who support this effort—have been able to accomplish. She reminded me that the Francis Fund, as we like to call it, is the largest such memorial donation they've ever received, now over $25,000!
For homeless veterans getting settled in new housing, Monique and her colleague Melissa recently purchased 200 sets of bedsheets, 200 blankets, and 400 pillows, thanks to the Francis Fund. Not used from a thrift store, but new! Imagine what new sheets and a new pillow mean to someone's dignity. And how great a new pillow feels, Monique added.
We sometimes tend to think of homeless veterans as men, but it's worth noting that it is often women and children who benefit from these donations.
What an honor it is to share this update with all of the many people who've made this possible. Monique wanted me to know what an amazing circle of people surrounds Francis even now, six years after we've lost him, and how many, many people he has touched.
Thank you for all you do!
'Really awesome!': Kansas City VA & Francis Fund U...


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Havok Unveils Next-Generation Physics Engine
By Tarun Iyer 2013-03-14T06:00:00Z
The company's eponymous physics engine is said to be the culmination of more than 5 years of internal R&D work.
Havok has announced the launch of the third major iteration to its Havok Physics technology that features "significant technical innovations" in performance, memory utilization, usability, and is a "major leap forward" for in-game physics simulation. The release is specifically targeted towards next-generation consoles, mobile devices, and PCs with full compatibility and support for current devices.
According to Andew Bond, Vice President of Technology for Havok, this version has resulted in a "new engine core built around fully continuous simulation that enables maximum physical fidelity with unprecedented performance speeds. Beta versions of the technology have been in the hands of a number of leading developers for some time and we have seen dramatic performance gains with simulations running twice as fast or more, and using up to 10 times less memory. Additionally the new core's performance is extremely predictable, eliminating performance spikes."
Laurent Gorga, 2K Czeck's Technical Director, further added that "At 2K Czech, our games demand a physics solution that can scale efficiently and handle highly detailed interactive environments. Having recently moved to the next generation of Havok Physics, we've been blown away by how Havok's new physics technology is able to make highly efficient utilization of all available hardware cores with a very lean runtime memory footprint."
Further information about this version of the Havok Physics engine is expected to be revealed at this year's GDC, held between March 27 and March 29 in San Francisco, California.
Contact Us for News Tips, Corrections and Feedback
TidalWaveOne 14 March 2013 05:05
Great! Glad to know they stopped using Visual Basic.
enewmen 14 March 2013 05:41
Havok didn't say anything about HSA and unified address space. Will they use this architectural advantage?
Maximus_Delta 14 March 2013 06:30
Yes, with fully optimized sub routines and intelligent cross-thread load balancing included?
abbadon_34 14 March 2013 06:46
Wonder what Nvidia's response will be?
nitrium 14 March 2013 07:31
What are the key differences between Havok and nVidia's PhysX? Are they both GPU accelerated? Does Havok in principle run on any hardware configuration? Which is most likely to be the more mainstream (i.e. dominant) solution over the next few years?
alfaalex101 14 March 2013 08:18
Well it's about time! Last time I was wow'd by you was in 04 with Half-Life 2
dragonetti 14 March 2013 08:37
Nice development, and so glad its a system that works on any graphic card not like nVidia closed Physics Engine is for their own graphic cards. i was looking for a demo on YouTube but could not find one for the Havok Next-Generation Physics Engine. :(
ojas 14 March 2013 08:50
abbadon_34Wonder what Nvidia's response will be?PhysX support on the PS4 :|
brythespy 14 March 2013 09:28
I've seen a few articles and rumors about stuff like this, all around the time for the next gen consoles to come out. Coincidence? I think not. Next gen consoles are going to help sky-rocket the gaming industry, meanwhile I'm sitting back watching with my GTX 640 and i7, which will become obsolete in about a year after the consoles get fully up and running. The next few years are going to be amazing.
EdmondHaskellIf you think Alfred`s story is complete bullshit, it is.
Look out guys! Don't click it, you'll make him another few penny's at the exchange of all your information!!!!!1


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LA council approves labor contracts that will…
LA council approves labor contracts that will cut city's deficit in half
By Rick Orlov | rick.orlov@dailynews.com |
October 30, 2009 at 12:00 a.m.
Three months after the city's $7 billion budget took effect, the Los Angeles City Council on Friday approved labor deals with three-fourths of its work force that cut a $405 million deficit in half without layoffs or furloughs.
The agreements with the Los Angeles Police Protective League and the Coalition of City Unions are expected to save more than $78 million this year and as much as $1.7 billion over the next five years.
"These are key to dealing with our historic financial problems," Mayor Antonio Villaraigosa said. "At the beginning of the year, I laid out our problems and said we would need shared sacrifice from the city workers. They have stepped up to the plate."
Villaraigosa said the biggest savings will come in next year's budget as the early retirement of 2,400 workers shaves millions off the city payroll.
"This goes a long way in addressing the deficit," City Administrative Officer Miguel Santana said. "The savings we are generating will give us a good head start on next year."
Under the agreements, early retirement incentives will be offered to members of the Coalition of City Unions, an umbrella group that includes six unions with more than 22,000 workers.
In return for the incentives, the workers agreed to forgo two years of automatic cost-of-living increases.
For the 10,000 officers covered by the Los Angeles Police Protective League, the agreement calls for a two-year reduction in overtime costs totaling $72 million and no salary increase for two years.
The coalition issued a statement saying it was "a difficult decision for many members, but after meeting and debating for weeks, a majority cast their votes in solidarity with their co-workers. Now longtime workers can retire with dignity, protecting those beginning their careers with the city who were vulnerable to layoffs."
One union leader, who asked not to be identified, called it "municipal patriotism."
The Protective League said the contract helps the city and officers in resolving the immediate issues.
"This gives us the opportunity to proceed for the next 18 months knowing our working conditions and compensation are secure," League President Paul Weber said.
City officials praised the workers for agreeing to the reductions.
"I would urge people, when they see a city worker fixing a pothole, repairing a sewer, handing out books at libraries, that they thank them," said Council President Eric Garcetti. "They are sacrificing to make sure the city is fiscally sound and that we are able to continue providing these services."
The city had threatened layoffs if workers did not agree to concessions.
The coalition said the retirement program will bring savings to the city and give it a more orderly way to reduce its work force.
A Web site, www.erip.lacity.org, has been established to help the workers determine what they will get under the program and to process their applications.
Officials estimate upwards of 7,600 workers are eligible for early retirement. Analysts have estimated the average retirement payment will be $33,000 a year.
Santana said 400 of the retirement slots have been taken and others interested in applying should do so immediately.
Councilman Bernard Parks, who chairs the council's Budget Committee, cautioned that the full impact will not be felt this year and that the budget will need constant monitoring to make sure it is hitting its goals.
Not affected by the agreement is the Engineers and Architects Association, which decided to continue to receive the cost of living increases. They have been subject to furloughs.
Also not affected is United Firefighters of Los Angeles City. Negotiations with that union are at an impasse and awaiting a decision by the Employee Relations Board.
rick.orlov@dailynews.com
Rick Orlov