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Is Your Data Stored Safely in the Cloud?
But You Don't Need To Choose. STS Cloud Backup Service Is All You Need.
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Backups are more reliable and secure.
Your data is automatically backed up offsite to a secure facility that meets all regulatory and compliance requirements.
Data remains secure even if your office or network is shut down due to a manmade or natural disaster.
We can recover your data in the event of damage to your network.
You can access your data securely from anywhere you have an Internet connection.
Are you backing up your corporate data properly and regularly?
Is your data stored off-site in a secure location away from your office?
Should something happen to your servers/IT infrastructure is your data secure, and can it be recovered?
STS Cloud Backup Service can automatically perform all these tasks so you don't have to.
STS is the best resource in Sydney for data backup services. It's Your Choice. To learn more about STS' cloud backup services call (02) 8212 4722 or email us at info@sydneytech.com.au.


"Each elephant generate is sponsored, and decorated in corporate liveries and donors' names, all supported in social and broadcast media by a network of celebrities, social influencers and international news networks across the globe," says 18 Feet & Rising creative director William Thacker.
The usual process is to build the models, create textures for them (often sourced from photographs of the real object) and choose the lighting. The model is then sent to a large collection of PCs, the "render farm", which produces the final images in high quality.


Each year, Quintex is happy to provide custom pink t-shirts for the students at Balmoral Hall and Mulvey School who participate in Girls for the Cure fundraiser. It is wonderful to see these students supporting CancerCare Manitoba. Congratulations to the students and staff for another successful campaign!
Great impressions start with Quintex.
A Quinton family company serving Manitobans since 1911.


5. Business Model Business A Business B Business C Cloud Networking and Loyalty platform Is a Loyalty Program that allow SMB´s give points and personalized rewards to their best loyal customers and customers can use their points at any partnered location making networking between businesses simple and easy.
6. More of Business Model • Transactional Fee: 2.5% / Sales • We provide an Integrated solution (Software, Cards, Support, Subscribers (Potential new customers), Marketing Strategies, Customer Data) • We focus in partnering with leading companies. • We agree signing *geographic protection * Within 1.5 Km, has more tan 3 locations and is a leader in their business category.
New Rules: MIPS, Physician Fee Schedule, Outpatient Rule and More!


text:
Home COVID-19 How to Help the Homeless During COVID-19
How to Help the Homeless During COVID-19
Shelter providers across the Twin Cities have stepped up operations. Here's how you can help.
Erik Tormoen
Across the Twin Cities, organizations are providing shelter, meals, housing support, and advocacy for the homeless—a segment of the population that's especially vulnerable to the novel coronavirus due to pre-existing conditions, close contact within shelters, and many other factors.
"For the nonprofits that are operating shelters, there are staff shortages, they're paying overtime, they're paying hazard pay," says David Hewitt, director of Hennepin County's Office to End Homelessness. "Costs are going up across the board just to deliver the same services, in addition to the very specific measures we've had to take in response."
Here are some shelter and aid providers you can support. But we also encourage you to reach out to your local shelter to discuss donation and volunteer opportunities.
An employee from Atmoic Data helps bring donates to St. Stephen's
Catholic Charities of St. Paul and Minneapolis
Donate your dollars to the Twin Cities' largest shelter provider for single adults. You can also donate items or volunteer to take on tasks as needed.
Seven clinics across the Twin Cities metro provide all-ages services to those with disabilities and disorders. Support childcare, healthcare, housing assistance, career planning, and employment services with a donation.
Greater Twin Cities United Way
Donate to shore up resources for household stability, education, and economic support. The Greater Twin Cities COVID-19 Response & Recovery Fund provides food, shelter, hygiene and sanitation supplies, as well as financial aid.
Minnesota Coalition for the Homeless
Support advocacy, housing services, and the coalition's push for legislation responding to the pressures of COVID-19. Keep tabs on their progress here.
The food-service nonprofit is still feeding those in need, while following strict protocol. At 37 dining sites across the metro, meals are take-away only. Find out how to volunteer, or donate.
Lutheran Social Service of Minnesota
Caring for homeless youth, seniors, those in need of mental health services, and others, LSS is currently taking donations of items such as hygienic essentials and groceries. They're also seeking volunteers for a variety of services: sewing masks, delivering meals, offering friendly telephone support, and more. You can make a financial donation, too.
Neighbors, Inc.
Neighbors, Inc., has moved to a pre-packaged food-shelf system, on-site volunteering has been suspended, and food donations will continue after the "stay-at-home" order is lifted. For now, they're asking for financial donations.
People Serving People
As well as shelter services, People Serving People is offering childcare for the kids of essential workers. Donate here.
Street Voices of Change
This organization of individuals who have personal experience with homelessness offers support, advocacy, and a chance to feel heard. You can donate here.
Make a financial donation or drop off something useful, like a tent, a cell phone, infrared thermometers, underwear, and more items listed on the organization's website.
Tubman
Tubman is still offering a 24-hour resource line, shelter for victims of family violence, housing for youth victims of violence and exploitation, emergency legal services, and other resources. Click here to see what items to donate, and make those donations here.
Union Gospel Mission
Help feed the guests at the Union Gospel Mission's shelters with a financial donation.
Keep reading: How life has, and hasn't, changed for Minnesota's homeless
Erik Tormoen is an Associate Editor of Minnesota Monthly. etormoen@greenspring.com
Watch: Maria Bamford Is Your 2020 Commencement Speaker
Erik Tormoen - May 21, 2020
What It's Like Eating at a Restaurant Patio During COVID-19
Jason DeRusha - June 8, 2020

redpajama_set_name: RedPajamaCommonCrawl


We conducted a questionnaire survey in the Kanto area regarding people's dissatisfaction with various aspects of their dwelling environment. Dissatisfaction with access to transportation, shopping and medical facilities are important reasons for moving house. Probit model estimation implies that economic wealth improves satisfaction with transportation, shopping and medical facilities, but it does not reduce dissatisfaction with living costs whereas aging increases not only the satisfaction with transportation, shopping and medical facilities, but also with living costs and family and acquaintances. The results also imply that Japan's aging population does not present crucial problems for housing in the Kanto area.


text:
Каменная (урочище Каменное) — гора на Среднем Урале в юго-западной части Свердловской области России в окрестностях города Ревды, неподалёку от горы Волчихи. Гора Каменная с окружающими лесами (всего площадью 566 гектаров) является ландшафтным памятником природы Свердловской области и имеет второе название урочище Каменное.

География
Гора Каменная расположена в муниципальном образовании «городской округ Ревда», на северной оконечности хребта Ревдинский, в 31 километрах к северу от горы Азов, в 5 километрах к юго-востоку от города Ревда. Гора высотой в 500,3 метров.

Описание
Гора покрыта лесом, на вершине горная цепь с выходом на поверхность каменных останцев и россыпи валунов.

Гора Каменная имеет две вершины: Каменная 1-ая и Каменная 2-ая, причём высшая точка горы на два метра выше расположенной неподалеку знаменитой Волчихи. Скальные останцы, поросшие лесом, образуют небольшие параллельные хребты, местами скалы образуют отвесные стены. С вершины Каменного урочища открывается великолепный вид на окрестности, видно Волчихинское и Ельчевское водохранилища. На горе стоит памятная стела в виде жёлто-зелёной металлической совы, сидящей на стволе высохшего дерева, обозначающая границу Европы и Азии. На крыльях металлического филина вырезаны указателями «Европа» и «Азия». На склоне горы есть малозаметный родник, отмеченный табличкой.

Гора Каменная с окружающими лесами (урочище Каменное) является геоморфологическим природным памятником регионального значения. Урочище Каменное располагается на территории Ревдинского лесхоза.

Примечания

Горные вершины городского округа Ревда
Скалы Свердловской области
Памятники природы Свердловской области
Геоморфологические памятники природы
Шиханы

redpajama_set_name: RedPajamaWikipedia


Members of the public are welcome to attend. Any member of the public who wishes to make a presentation to the Board must submit a written request to the Board Chair or the Director of the Public Schools Branch by 4 p.m. on December 6, 2018 to the Public Schools Branch Stratford Office, 2-234 Shakespeare Drive, Stratford, PE C1B 2V8, or by email to sxgauthier@edu.pe.ca. Please call 902-368-6850 for additional information.
This entry was posted in board, information and tagged Board of Directors, meeting on November 28, 2018, 2:50 pm by PSB Administrator 1.


text:
Picking up pennies in front of a steamroller
12-06-2017 | Monthly outlook
The investment environment has become like 'picking up pennies in front of a steamroller', says Robeco's Lukas Daalder.
Speed read
Stock market strength is only partly explained by strong earnings
Political tensions and uncertain outlook have been ignored
Overweighting equities would be a momentum-driven call
Stay informed on our latest insights with monthly mail updates
"Most asset classes have shown a fair performance during the first five months of the year, so that means overall returns have certainly been positive so far," says Daalder, Chief Investment Officer of Robeco Investment Solutions. "Despite all the political tensions, the high valuations of US stocks, the uncertain economic outlook, and even the wrong season ('Sell in May'), stocks want to move higher."
"The current environment feels a lot like picking up pennies in front of a steamroller: a reasonable probability of modest and steady gains, but a non-negligible probability of a big loss up ahead. The question for us is do we want to be in the business of picking up pennies in front of a steamroller?"
Most asset classes have fared pretty well so far this year.
Source: Robeco, Bloomberg
Pennies are still profitable
The term `picking up pennies in front of a steamroller' is linked to Nassim Taleb, an acclaimed author on randomness and risk, whose books describe an investment strategy that has a high probability to yield a small return (pennies), and a small probability of a very large loss (steamroller). Taleb assumed that the negative outcome scenario would on balance outweigh the pennies picked up.
"The latter is certainly true in case of the steamroller (certain death), but in financial markets, much will depend on long you are successful in picking up the pennies unharmed, or how fast you can exit the market," says Daalder. "For sure, entering the stock market at the wrong time (near the top) can give you the feeling that you have been hit by a steamroller once the correction starts: your losses are likely to outweigh your gains."
So far, the penny picking has been the clear winner
"Having said that, for the broader stock markets, it should be pointed out that the longer-term nominal annual return has been around 8%, indicating that so far, the penny picking has been the clear winner. As such, the metaphor seems to oversell the downside."
"Indeed, as foolish as the penny-picking may sound, it should be pointed out that it has been a very profitable strategy in most markets during the post-crisis years. Investing in high yield and credits have given investors a steady bit of extra return (spread) at the risk of a big credit event (such as a default) taking place. With the exception of the US oil sector, no big credit event has occurred, with spreads either remaining steady or even declining."
Where's the steamroller?
"Stocks markets on the other hand have drifted higher, and although there has been a bit of volatility at times, the big steamroller has not been hitting the paving stones. It has been pointed out by many that buying volatility (by buying the VIX index, for example) has been a steady money maker, while selling volatility (or buying protection, by selling the VIX) has resulted in a constant drain."
Daalder says there are a number of reasons for this anomaly, led by the fact that central banks have moved from being a shepherd of the economy to a general guardian of the financial markets. Meanwhile, economic growth may have disappointed over the past five years, but this has come on the back of lower volatility of the underlying data.
In addition, a long list of political wobbles has not moved the markets all that much. "The lesson seems to have been that simply ignoring those uncertainties was the optimal outcome," Daalder says. "This is not to say that this is correct: it is always possible that one of the uncertainties escalates."
Pennies, dimes or dollars?
"Another way to address the nickel-picking question, is by looking at two related questions: how big is the steamroller and are we talking pennies, dimes or dollars here?" Daalder asks. "With US stocks markets rebounding by 225% from their 2009 low (including dividends, the annual return has been 18% over that period), and with US stocks now looking expensive according to a whole range of valuation measures, it is clear that the easy picking has already been done."
"This is exactly the reason why we prefer to be overweight the European market, where we think there is more upside after a more muted market recovery since 2009 (up 80%, resulting in an annualized total return of 12%). Further upside for US stock markets is therefore closely linked to earnings growth. All things considered, the most likely outcome would be a 'healthy' 10% correction in stocks, not the real steamroller event."
"Subsequently, we have so far refrained from entering the business of penny-picking in the stock market: emerging market debt and high yield have been our preferred asset classes with which to add risk so far. If we were to put up an overweight position in stocks, it would be completely momentum driven, and with a pretty tight stop-loss put in place."
Read the full monthly outlook here
Further 'gamification', or back to fundamental investing?
11-01-2022 | Column
Earnings engine in lower gear but still humming
07-01-2022 | Quarterly outlook
China flexes its policy muscles – but can they still do the heavy lifting?
Managing climate change risk for insurers
Financial Services Act (FinSA)
Disclaimer Robeco Switzerland Ltd.
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Barcelona Golf enjoys continuing success in organizing golf shore excursions for cruise line passengers visiting the port of Barcelona and other ports in Spain. An estimated 1.2 million cruise passengers visit Barcelona aboard more than 600 ships each year, making Barcelona one the busiest cruise ports in the world.
Barcelona Golf has during the past 15 years organized regular golf shore excursions from the port of Barcelona for companies such as Carnival Cruise Line, Celebrity Cruises, Princess Cruises, Cunard, P&O and Crystal Cruises, and the list continues to grow. Since 2007 we have also been involved with the organization of golf shore excursions in other ports such as Valencia, Palamós, Palma, Cadiz, Malaga, Monte Carlo and Rome offering courses of the highest quality.


There are so many weight loss programs that you get out there and promising dramatic results in no time. And no wonder – given that the most searched on Google is' how to 'how to lose weight', it is undeniable that many people and commercial companies are taking this opportunity and leveraging to sell their products with the latest results that can attract buyer. Of course, losing weight quickly sounds great, but there are actually things that are very important for you to notice. Nutritionists and dietitians warn that losing weight quickly is largely unsustainable and many are unsuccessful. And also not recommended for long-term health.
Although a nutritional deficient diet or 'mode' will not have a major impact on physical health but overall because of the short term, it will have an impact on mental health and this can last a long time. "My biggest concern about rapid weight loss is its impact on one's mental well-being," said Dr. Frankie Phillips, a registered dietitian and dietician and spokeswoman for the British Dietetic Association.
A study published by the Yale University Department of Psychology recognizes the correlation between yo-yo diet (or weight cycle) and mental health problems. "The result of weight cycling and losing weight as semaranga is associated with increased psychopathology, lower life satisfaction, more general dysfunctional eating and possibly increased the risk of overeating," he said.
While the British Diet Association (BDA) promotes safe and sustained weight loss between 0.5 to 2 pounds a week, dieters on certain weight loss programs – such as juice diet, GM diet and New Atkins diet – extreme weight loss reports up up to 15 pounds in two weeks.
So, what principles can this strict weight-loss diet take, how does it work, and should you give them a chance?
Perhaps the most important body factor in a weight loss plan is experiencing a calorie deficit. That is, enough, to eat fewer calories than you need for your body's current weight. Eat less than this every day and chances are you will lose weight. However, you need to do this in a safe range – a 500-calorie deficit for daily needs recommended by the BDA.
You can use a calorie counter to find out your daily intake should be in a calorie deficit. It's realistic and not bad for your health.
If you do consume more calories, chances are you will not have the right time for the diet will also tend to break the rules. A low-calorie diet (VLCD) in which a person on a diet should eat 800 calories a day and is only suitable for obese adults with a BMI of 30 or more and should be monitored clinically.
When following a calorie-controlled diet, it's good to keep track of calories and keep an eye on your daily goals. Using apps like MyFitnessPal to count calories in your first 3-4 weeks can help you stay on track.
The more you exercise, the more energy you will need in your body. If you are already in the deficit, or even slightly above, your caloric needs, chances are you will lose weight if exercising intensively for three or four times a week.
Different types of exercises give different types of bodies, and this depends on how much you weigh on how much you burn when you exercise. The simple rule is, the more intense your exercise form, the more likely you burn calories faster – thus the more likely you are to have a calorie deficit ….
Many strict diets produce rapid weight loss due to lack of carbohydrates. Why does this work? "It's all about the weight of the water," said Dietitian and BDA spokeswoman Chloe Miles. "When you eat carbohydrates, your body stores them as glycogen in your liver and muscles, your muscles store about 500 g and your liver is about 100g and estimated every gram of glycogen in human muscles is bound to 3g water," he said.
So, carbohydrate scissors and you also to spend this water supply, so lose weight. This is probably why some low-carb dieters reported a 4-5l weight loss in just two weeks. The problem, again, is that water – and hence heavy – is recovered as soon as you reintroduce carbohydrates in your diet.
Eating an eight-hour eye is as important as diet and exercise as you lose weight.
In a study by the University of Leeds, 1,615 adults reported how long they slept and kept a record of food intake. Overall metabolic health indicators such as blood pressure, blood cholesterol, blood sugar, and thyroid function are monitored, as well as the waist circumference and waist circumference recorded.
Those who slept for six hours or less last night had an average waist of 1.1 inches (3 cm) larger than those who slept for nine hours.


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主页 Billionaires Tax Tips From Cooperating Witness In Record $2B Tax Evasion Case
更新时间 2021年4月29日 2021年3月18日 Billionaires
Tax Tips From Cooperating Witness In Record $2B Tax Evasion Case
No one wants to be in the crosshairs of the IRS, or even worse, the Department of Justice. Yet billionaire Robert Brockman was indicted last fall, and there are many questions emerging about the billionaire behind the biggest U.S. tax fraud case ever filed against an American. The 39-count indictment are still unproven accusations, but most such cases do not end well for the accused. The Chairman and CEO of The Reynolds and Reynolds Company was charged with conspiracy, tax evasion, failing to file foreign bank account reports, wire fraud, money laundering, evidence tampering, and destruction of evidence. The charges stem from an alleged decades-long scheme to conceal approximately $2 billion in income from the IRS, as well as defraud investors in Reynolds and Reynolds debt securities. The case also ensnared Robert Smith, also a billionaire, the chief executive of Vista Equity Partners. Smith signed a non-prosecution agreement and is paying $139 million as part of his cooperation deal. The deal covers an array of alleged tax evasion spanning 15 years. The $139 million is expensive, but big payments are better than criminal charges. Surprisingly, most criminal tax cases come out of regular old civil tax audits. When the Criminal Investigation Division of the IRS becomes involved, the target may not even know. If this happens in a regular civil tax audit, your access to information and give and take from the IRS is likely to evaporate. The Brockman case involved a team of IRS and Justice Department personnel that lead up to the indictment of Mr. Brockman for tax evasion over what the feds allege was a $2 billion tax fraud scheme.
Robert Smith, billionaire and chairman and chief executive officer of Vista Equity Partners LLC, … [+]
Why not Mr. Smith too? Mr. Smith's cooperating witness deal may be expensive, but the $139 million price tag and his cooperation mean no indictment or jail. According to the feds, from 2000 through 2015 he participated in an illegal scheme to conceal income and evade millions in taxes by using an offshore trust structure and offshore bank accounts. Smith admitted his involvement in the illegal scheme and agreed to cooperate with ongoing investigations and to pay back taxes and penalties in full. In 2000, Smith formed the Excelsior Trust in Belize, and Flash Holdings, a shell company in Nevis. Although he used third-parties to conceal his ownership and control, he controlled both offshore structures and made all decisions. He hid investments and earnings, and hid foreign accounts in the British Virgin Islands and Switzerland to hide income from the IRS. In all, Smith failed to report over $200 million of partnership income. He also failed to report owning foreign bank accounts.
Untaxed money can come in handy, and Smith used millions to buy and improve real estate. In 2005, he used approximately $2.5 million in untaxed funds to buy and renovate a vacation home in Sonoma, California. In 2010, Smith again used untaxed funds to purchase two ski properties and a piece of commercial property in France. In 2011 and 2012, Smith used approximately $13 million of untaxed funds to build and improve a residence in Colorado and to fund charitable activities at the property. Smith agreed to continue cooperating with the Department of Justice in other related investigations, and to pay approximately $56 million in taxes and penalties. But there's another whopping $82 million in penalties from his concealment of his offshore bank accounts. In all, Smith will pay more than $139 million in taxes and penalties.
Smith also agreed to abandon his $182 million IRS refund claims that were all about claimed charitable contribution deductions, and not claim them again. What can we learn from the deal?
Cooperating with the IRS Can Be Wise. Whether it is the FBI or the IRS asking questions, don't lie to the government. And don't engage in evasive and obstructionist behavior during an IRS audit. Many taxpayers in a civil audit seem to think they can outsmart the IRS or manipulate the government to come out ahead. That doesn't mean you have to agree with everything the IRS says in an audit. You don't, but there is an established way of proceeding, and an above-board way to communicate with the IRS. Deception and obstruction are not the way. A key for Smith may have been more information and details about the even bigger target, Robert Brockman, who was indicted in the biggest tax evasion case in history.
Report Your Income, don't file falsely. You must file a tax return each year with the IRS if your income is over the requisite level. And remember, the U.S. taxes all income wherever you earn it. Filing false returns is even worse than failing to file. You have to file, but make your return is as complete and accurate as you can make it.
Hiding is Bad. This is a key principle. Hiding things nearly always looks bad, the coverup often being worse than the crime. You might have good reasons to hide things from competitors or an ex-spouse, but don't hide from the government. Remember political fixer Paul Manafort? Secret deals lead to his conviction. And soccer greats Ronaldo Messi and Cristiano Ronaldo's tax problems were made much worse by shell entities. Even if there is a good reason to hide ownership from the public, make sure the ownership is not hidden from the government.
Don't Be Willful. Accountability and transparency are nearly universal lessons. Willfulness means you acted with knowledge that your conduct was unlawful. Smith's agreement required him to admit that he was willful, he knew it was wrong. According to the IRS, willfulness is a voluntary, intentional violation of a known legal duty. Even willful blindness, a kind of conscious effort to avoid learning about reporting requirements, can be enough.
Report Foreign Accounts and Assets. Most of Robert Smith's penalties—a whopping $82 million—were from foreign accounts. It is easy for the IRS to track these down with FATCA and other tools. If you have an interest in any foreign bank, securities, or other financial accounts, pay attention. Even a signature power is enough, even if it is not your money. For all of these, you must file an annual FBAR if the aggregate value of the accounts at any time in the year tops $10,000. Penalties are huge. The Swiss bank controversy netted the IRS over $10 billion, and much of it came down to these little forms. FBAR penalties can swallow 100% of accounts, and criminal penalties can be up to 10 years in prison.
The IRS requires worldwide reporting and disclosure, and the consequences of noncompliance can be severe. FATCA, the Foreign Account Tax Compliance Act, requires foreign banks to reveal American accounts holding over $50,000. Some asset disclosures may be duplicative with FBARs, but it is best to over-disclose. There is never a penalty for going overboard in disclosures. With a treasure trove of data, the IRS now has the ability to check.
Avoid Lavish Spending. Skirting your tax obligations is not wise, but, if you are doing that and simultaneously living lavishly, it can look even worse. It didn't help that Smith used $2.5 million to buy a vacation home in Sonoma. Buying untaxed ski properties and commercial property in France looked bad too. Then there was $13 million to build a place in Colorado.
I handle tax matters across the U.S. and abroad (www.WoodLLP.com), addressing tax problems, tax disputes, writing tax opinions, tax advice on legal settlements,
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更新时间 2021年4月29日 2021年3月9日 Billionaires
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Growlers, the Midtown venue that came under fire for their decision to book a band whose singer served time for attempting to hire someone to kill his ex-wife, has canceled the show with the band amid criticism from the public and other Memphis musicians.
Metal band As I Lay Dying is fronted by Tim Lambesis, who served more than two years in prison after attempting to pay an undercover sheriff's deputy to kill his then-estranged wife, was booked for an April show.
After learning last week that Lambesis would be performing alongside his band at the venue, several took to social media to criticize the booking.
Tuesday evening, the venue posted on Facebook that they had canceled the show and attributed the decision to input from patrons and local bands.
"In this instance," the post read, "we've heard the community loud and clear, and we are going to do everything we can to ensure that we continue forward in providing an enjoyable entertaining environment that all of our patrons feel comfortable in."
The public post noted that while Lambesis has expressed genuine remorse, the venue is against domestic violence and "will always listen to those that have gone through the pain that it has caused."
The venue also canceled the booking for Pentagram, another metal band whose lead singer has been in headlines for harm towards a family member.
Growlers announced that instead of the As I Lay Dying show on April 5, the venue would instead host a local band for a show that will support survivors of domestic violence.
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Robust counsel: SCORE not just for startups
When businesspeople turn to the Service Corps of Retired Executives (SCORE), it could occur at any stage of their business. Just ask Brent English, the proprietor of Robust Tools in Barneveld. He's leaned on SCORE counselors at various junctures in the life of his business and flourished afterward.
In Robust Tools, English runs the only U.S.-based manufacturer of woodturning lathes. The self-financed business is not large by any means, but it benefited from SCORE's advice at the beginning, and more recently when English realized he'd better get a handle on his costs. Even with a bootstrapping business model and a history of managing growth through cashflow, the company eventually encountered growing pains that prompted English to seek help.
Enter SCORE counselor Bob Sands, one of 51 retired executives who volunteer for the Madison Chapter, one of 350 nationwide. Sands' background illustrates the kind of expertise that's available, free of charge, to local entrepreneurs. For 35 years, Sands worked in manufacturing, foods, and agricultural businesses with companies like Case Corp. in Racine and Swiss Colony in Monroe, starting in positions like entry-level purchasing and ending up running companies in Texas and California for private equity investors. Sands used his experience in manufacturing management to advise Robust Tools on inventory management systems and strategic planning.
Even before reaching out to SCORE yet again, Robust Tools had become a premier manufacturer of high-end woodturning lathes, catering to professional artisans and serious hobbyists. Its tools make the craft of turning wood with a lathe, and using a hand-guided chisel or gouge to shape the wood as it turns, possible. There are no computerized controls for the operator, and with the exception of an electric motor with variable speeds, anybody using a lathe 300 years ago could use one of Robust Tools' lathes in short order.
According to English, woodturning is, for many people, a fine art like pottery. "Ninety-five percent of our sales go to serious hobbyists and probably 5% of our sales go to professional artisans," he says. "These are craftspeople who make one-off items."
A self-described "compulsive maker," the 57-year-old English has long made things for sale, sometimes as a business owner and sometimes as just a sideline. About 30 years ago, with visions of becoming a shop teacher, he stopped making things and pursued a bachelor's degree in engineering and a master's degree in industrial technology. The hoped-for career path never materialized, but product development would became his life's work.
As a hobbyist, English was familiar with woodturning. "A friend of mine who knew about my design background and metal background suggested that I make a lathe, and he meant make a lathe for myself," English explained. "I started showing my anticipated design to other woodturners to get their input, and I was encouraged to make them for sale."
When English realized there might be a related business opportunity, he confirmed it with market research. In 2004, he started the business in his garage, working part-time on evenings and weekends. He had $25,000 to launch the company and used it to buy some old equipment. Brent and his wife, Deb, ran the business out of a checkbook and on an Excel spreadsheet.
However, "As we grew, that model no longer served us," Brent acknowledged.
So the couple approached SCORE for help in understanding their cost drivers. Sands recommended ways to improve inventory control, including MRPs (manufacturing resource planning systems) that English rejected based on staff considerations. "I didn't feel we had the people power on staff to incorporate them," he explained. "They are only as good as the data you put in them."
Sands, he noted, reviewed different Excel-based speadsheets the company developed to monitor inventory and work orders on the floor. Sands referred to them as a "home-brewed" supply chain management system, but also said they worked quite well. What the system lacked was a degree of sophistication that would enable Robust Tools to tie everything together.
English considered a couple of systems in the marketplace, but he was more interested in certain capabilities. Rather than start over, English decided to incorporate a missing module into his existing system, and it connects the company's inventory with its purchasing, production, and sales plans. "Basically, he added that himself," Sands said in admiration.
In addition, Sands helped craft a long-term plan to grow the company and prepare it for sale. "The business was doing well, but we put together a long-term plan to grow the company [by] three times in 10 years," Sands noted.
The company also began the search for a general manager to handle operations so that English could focus on product development, sales, and strategic direction. Sands, who traveled from Madison to Robust Tools' Barneveld facility every second or third week, helped the company write a job description for production-management help. In the wake of the recession, there were qualified manufacturing employees who had been let go, especially in the Milwaukee and Racine areas.
The first individual hired to be the GM didn't work out, so English has established and is still monitoring the effectiveness of a hybrid position — a working manager to do both floor management and direct labor.
Noting that a person with the necessary qualifications would, at minimum, command a salary in the $80,000 to $120,000 range, Sands also suggested there might be people who would take a smaller salary in lieu of an ownership share. That would require an agreement in which the company provides additional shares over time, based on performance or success of the company. Upon Brent's retirement a few years later, the company could be sold to the individual.
"Maybe by then, he or she has a good interest equity-wise," Sands noted. "That's the kind of thing we worked on."
English says that's still an active possibility, but given what he has invested both financially and emotionally, it would take "a special person" for him to share ownership. "It would take the right individual," he says, "and it's something we would phase in over time."
Sands also suggested the company import more parts to lower costs, but English wanted to stick to his goal of making its products with at least 85% U.S. content. "That's really important to us and our customer base," English explained.
The company also received some validation from SCORE on how it was approaching advertising, marketing, and its online presence.
Returning the favor
In the two years since he last worked with SCORE, English says the organization's advice has worked out well. "I'm a shop guy," he stated, "but it's helped me gain a sense that the shop and maintenance stuff is only half of it. The other half, an equally important half, is the management side and understanding or knowing your costs, and knowing how to set priorities."
As a result, English strongly recommends SCORE to anyone who is starting a business or who wants to grow an established business. "I would hope that someday I'm good enough, when I retire, to be a SCORE volunteer," he said. "I hope that I can return the favor that SCORE did for me."
Reader Recommended — Tiffany Bernhardt Schultz, Better Business Bureau
2021 Lifetime Achievement Executive of the Year: Don Wahlin


Join us in YorkArts Gallery next Wednesday, 5:30-7:30pm for a collector's talk led by featured collectors Ralph Serpe and Bryan Tate. Enjoy light refreshments as Ralph and Bryan tour guests through the exhibit and discuss the stories behind their artwork purchased over the past 25 years.
Don't miss this inside look into part 2 of the Collecting Cultural Icons series, in "Art Memoir", on display April 30 - May 23. The event is free and all are welcome!


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Altavoz Entertainment Pushes Out New Music from Concore Entertainment and Triple Threat Productions Songs Featuring 2 Chainz and Lil Wayne
Altavoz Entertainment, Inc.
ROCKVILLE, Md., May, 19, 2017 /PRNewswire/ -- Today, Altavoz Entertainment launched two highly anticipated releases, Concore Entertainment's album "I AM NATALIA DAMINI" from Natalia Damini and the single "Don't Stop" from JC Triple Threat, on his own label Triple Threat Productions.
For "I AM NATALIA DAMINI," Natalia teamed up with artist 2 Chainz on "Crazy" and Lil Wayne on "Can't stop me." The album's infectious beat includes additional songs featuring Lzzy Lee and Mister Jam. The album's single "Crazy" reached #1 on the Billboard Emerging Artists Chart and #1 Spotify TOP 25 most played songs, "On The Floor" has garnered over two million YouTube views and "Magic" is being played on NY Power 105.1. Her latest video for "Slow" hit nearly 100,000 views on YouTube within the first 24 hours. Altavoz expects this release to be a top seller.
A rising talent, "Don't Stop" is Arizona artist JC Triple Threat's third single. In it he shows his expert musicality with a blend of R&B, Rap, and Urban Pop music, proving again that he has what it takes to make music for the masses. Director Jon Diaz worked with JC to develop a high-quality and energetic video.
Both of these releases are available for digital download and across streaming services; "I AM NATALIA DAMINI" is currently available in CD format in all online and physical retail stores.
About Concore Entertainment
Concore Entertainment is a major independent record label. We are based out of Los Angeles, California and Miami, Florida. Concore Entertainment takes pride in bringing our listeners and viewers the very best in entertainment and sound quality. Concore Entertainment specializes in getting artists distribution, major radio station airplay FM, Sirius XM satellite Airplay, MTV, DRT Charting and social media marketing.
About Triple Threat Productions
Triple Threat Productions is a full service entertainment company that launched in 2012 in the Greater Phoenix area. We pride ourselves on being a small boutique management company that give our artists the high priority attention they need in order to succeed. Artists are provided with the necessary tools in order to take charge of their careers. Triple Threat Productions provides platforms in which Artists gain exposure and showcase their musical creativity and capture the attention of music enthusiasts globally.
About Altavoz Entertainment, Inc.
Altavoz is an independent, full service entertainment distributor offering a wide range of physical and digital distribution, marketing and payment solutions. Altavoz is widely known for being distributor of record for the highly acclaimed "Goldenheart" project from Dawn Richard. To that end, Altavoz ensures artists and producers have access to a unique array of traditional and out-of-the-box distribution channels and are creatively promoted so they can build their presence, make their mark, and earn a living all with a social conscience via our Help Earth Foundation. BuyingThis (TM) is a registered Trademark of Altavoz. Inc. Altavoz, Inc. is a subsidiary of Altavoz Entertainment, Inc. (OTC PINK: AVOZ ) visit http://altavoz.com.
Notice Regarding Forward-Looking Statements
This release includes forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. All statements regarding our expected future financial position, results of operations, cash flows, financing plans, business strategy, products and services, competitive positions, growth opportunities, plans and objectives of management for future operations, as well as statements that include words such as "anticipate," "if," "believe," "plan," "estimate," "expect," "intend," "may," "could," "should," "will," and other similar expressions are forward-looking statements. All forward-looking statements involve risks, uncertainties and contingencies, many of which are beyond our control, which may cause actual results, performance, or achievements, as described in our reports filed with the Securities and Exchange Commission which are available for review at www.sec.gov to differ materially from anticipated results, performance, or achievements. We are under no obligation to (and expressly disclaim any such obligation to) update or alter our forward-looking statements, whether as a result of new information, future events or otherwise.
SOURCE Altavoz Entertainment, Inc.
http://www.altavoz.com


IEC 62106-2:2018 defines the coding and definition of features for the Radio Data System (RDS).
IEC 62106-2:2018 together with IEC 62106-1, IEC 62106-3, IEC 62106-4, IEC 62106-5 and IEC 62106-6, cancels and replaces IEC 62106:2015, and constitutes a technical revision.
• Data in the additional data-streams is using a newly defined group type C data structure.
• AF coding below 87,6 MHz (down to 64,1 MHz) using ODA-AID 0x6365 (see IEC 62106-6).
• Long PS (UTF-8) support has been added using group type 15A.
• Coding for the following applications is no longer detailed in the RDS standard as these can use in future the ODA concept: EWS, TDC, IH and RP.
• Obsolete and no longer part of the RDS standard are: MS (Group 0A, 0B and 15B) certain DI codes (mono/stereo, artificial head, compression), Language code, and PIN (Group 1A).


I have spent a lot of my life thinking, dreaming, and reading, but rarely to never doing. I've always wanted to be someone who helps other people. I even got a degree in a "helping profession", but as I reflect on my twenties, I am ashamed at how little helping I actually did.
A few months ago I started praying about this. Prayer is a dangerous thing, you know. Prayers get answered, and out of your comfort zone you go. I prayed that God would give me opportunities to serve Him by serving others. I know there are needs all around, but in the busyness of life, I often feel like I don't get the chance to make a difference.
As I said, prayers get answered. I was given quite a few opportunities to minister to others this fall, and I feel like the tiny bit of change I'm making in the world is making a major change in me.
I'm not going to claim to be a completely selfless person, but I will say that the reason I haven't been helping people over the last decade isn't about selfishness. It's about fear. I have had gobs of dreams and ideas about how I would offer my living sacrifice to God, but I ultimately always turn away in fear.
What if what I do doesn't make a difference? What if I get sick? What if I don't have time for my family or the activities that I enjoy? What if I don't have the resources? What if I fail?
Fear is not of God. Fear focuses on self and self's limitations.
I spent many years frozen in fear, but as I answer "yes" to the small opportunities I'm given, God is showing me that He can make something out of my nothing. I need only show up. If I keep my eyes on Jesus, and not on myself in all my shortcomings, He will make the difference. And I'm the one who receives the blessing. This "crock-potting" heart is slowly, but surely, warming up to His kingdom work.


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Q: If weak isospin is not conserved in time, what does the Noether theorem tell us? As far as I understand weak isospin is only conserved in interactions but not as time evolves. Nevertheless, we get from Noethers theorem, because of global $SU(2)$ invariance a conserved quantity that is commonly called weak isospin (see for example this Phys.SE question).
I have never read the explicit statement that weak isospin is violated as time evolves (= during propagation), but chirality is not conserved as time evolves (see for example this Phys.SE question) and left-chiral particles carry isospin, whereas right-chiral do not. Therefore it follows from the non-conservance of chirality that isospin isn't conserved either.
How does this fit together with the result of Noether's theorem?

redpajama_set_name: RedPajamaStackExchange


New case of crashes of iPhone and iPad in the simplest way possible, after the Indian character that was looping the iPhone with a simple message, now there is an HTML code discovered by the developer Sabri Haddouche.
The new bug is actually a flaw in the Safari browser found on iOS 12 where the causes lie in WebKit of Safari that if you open the HTML code created specifically sent on your iPhone or iPad with a nice reboot crash.
Just run the code of just 15 lines and would cause the kernel panic in Apple products with a forced reboot of the system. At the moment the risks are minimal if not a reboot of the device and not saving the last operations done but do not lock the device and does not become unusable.
The HTML code, as stated by Haddouche, does not endanger the data of the device but only sends it in crash. At the time Apple has not issued any official statement but only 1 day since the release of iOS 12, Apple may already be on the launch pad for a first mini corrective release.
The attack can also be activated simply by visiting a web page that contains the malicious code and then in the coming days could trigger the panic on the network for restarts of iPhone and iPad not checked.
The offending HTML is visible here.
Next articleBluetooth Icon Missing in iOS 12: What to Do?


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Brazilian beauty and cosmetics
markets: trends and news
Edition: Brazil ▼
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Markets & trends
Science, R&D
Ingredients & formulation
Innovation & new products
Companies & industry
Industry buzz
Ingredients & formulation 3 January 2017
DSM launches award-winning ingredient that provides long-lasting skin hydration
DSM, the global manufacturer of ingredients for the personal care industry, has launched SYN-UP, an active ingredient designed to increase the skin's resistance to environmental stressors, thus providing long-lasting skin hydration.
The new technology is based on a patented synthetic peptide derivative, which inhibits the effects of urokinase and plasmin, two enzymes produced by the body that induce dry skin. SYN-UP also enhances skin's self-regeneration potential, acting as a natural shield against environmental aggressors such as wind, pollution, cold and heat.
Luis Leme, regional marketing manager at DSM, says the new ingredient was formulated to tackle two issues raised by consumers – the hydrating feel on the skin was too short and there was little knowledge on how to prevent future problems, including skin aging.
The ingredient has not yet reached the market, but has already been awarded a silver medal at the 2016 ITEHPEC Innovation Awards, organized by the technology arm of the Brazilian Association of the Cosmetic, Toiletry and Fragrance Industry (ABIHPEC).
According to DSM, the ingredient is suitable for products that promote deep, immediate and long-lasting skin hydration, visible improvement in the condition of the skin, increased skin smoothness, and reduced peeling and sensitivity. It also allows formulations to act preventively against skin dryness.
SYN-UP can be used in skin and body lotions, multifunctional creams for daily use, anti-aging cosmetics, lip balms and hand moisturizers. The company forecasts that the first products containing the ingredient will be available in the Brazilian market from 2017.
07/16/2019New York follows California in outlawing hair discrimination
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07/13/2019Single-dose cosmetics strips make their debut in the Brazilian beauty market
07/11/2019California outlaws hair discrimination with new bill
07/10/2019Lady Gaga is launching her 'Haus Laboratories' beauty line on Amazon
in-cosmetics returns to Brazil next 18-19 September
When it comes to beauty, Brazil has become a trend-setter in Latin America thanks to its abundance of natural resources and penchant for innovation. Now the fourth largest market in the world, the country will host the sixth edition of in-cosmetics Latin America, which runs in Sao Paulo from 18-19 September 2019. Euromonitor (...)
Vegan-friendly solution for sweet aging
Every day we receive news about Global Warming, we see images of its consequences all over the Planet, the number of both animal and plant species in danger of extinction only increases and governments are still far from promoting laws that really help stop climate change. In this framework, it is the ordinary people who work to (...)
New York follows California in outlawing hair discrimination
California outlaws hair discrimination with new bill
Lady Gaga is launching her 'Haus Laboratories' beauty line on Amazon
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text:
Nora L. Vallely
May 27, 1932 — February 10, 2018
Nora L. Vallely, age 85 of Lansing, passed away peacefully at Oak Hill Manor on February 10, 2018.
Born May 27, 1932 in Bennettsburg, NY, Nora was a daughter of the late Francis and Sarah Ayers VanDuzer. Nora grew up in the Schuyler County area and in North Syracuse, graduating from North Syracuse High School. She then moved to Ithaca and shared an apartment with her sister, June, and worked at Loblaw's, where she met Frank Vallely. They later married and moved to Lansing to raise their family. Nora continued to work full time, raise a family, and remained a true homemaker. She and Frank grew quite a large vegetable garden, and she canned everything they grew. Nora also enjoyed bowling, yard sales, and in her later years, embroidering.
In addition to her parents, Nora was preceded in death by her husband, Francis "Frank" Vallely, a sister, June Baker and a brother Charles VanDuzer.
She is survived by her children, Kevin Vallely (Mary) of Dryden, Sean Vallely (Teri) of Erin, Honora Vallely (Ken Conklin) of Slaterville and Bridget Kentch (Jeff) of Virgil; grandchildren, Erin, Quinn, Timothy and Daisy Vallely; and extended family.
Family will be present to receive friends from 5-7pm, Thursday, February 15th, at Lansing Funeral Home, 32 Auburn Rd., Lansing, NY.
A Funeral Mass, officiated by Fr. Daniel Ruiz-Sierra, will be held at 1pm, Friday, February 16th, All Saints Church, 347 Ridge Rd., Lansing, NY, followed by burial at North Lansing Cemetery.
To order memorial trees or send flowers to the family in memory of Nora L. Vallely, please visit our flower store.


A delicious fruit scone is an ultimate treat at any time of say and, of course, are the quintessential part of a traditional afternoon tea.
Fruit Scones can be eaten hot but not straight from the oven; they will need to cool slightly. Alternatively, they are also good served cold and always best eaten fresh. Homemade scones will keep for a day or two in an airtight box, but once kept warm through before serving. They also freeze very well.
The success of the perfect scone depends on working as quickly and as lightly as possible, keeping all the ingredients as cool as possible. To make sure your scones are light, fluffy and well risen you may like to have a look at these simple tips for making the perfect scone, the tips apply to fruit as well as plain or cheese scones.
Sieve the flour into a roomy baking bowl, add the cubed butter, the baking powder and salt. Quickly rub the butter into the flour your fingertips until the mixture resembles fine breadcrumbs. Work quickly so the dough does not become heavy.
Add the sugar and the dried fruits, mix well.
Make a well in the center and using a dinner knife, stir in enough milk to make a soft, pliable dough. If the dough is too sticky sprinkle with a little flour.
Turn the mixture on to a floured board and knead very lightly until just smooth then lightly roll out to 2cm / 3/4" thick.
Cut rounds with a 7.5cm /2" cutter or cut into triangles with a sharp knife.
Serve with butter, or lashings of jam and cream. Delicious.
Remove the dried fruit from the recipe.
Omit the dried fruit and add 55g (1/2 cup) grated cheese and 1/2 teaspoon dry mustard powder to the mixture after rubbing in the fat and flour and continue with the basic recipe. Sprinkle the scones with 55g (1/2 cup) more grated cheese before baking the scones in the oven.
Quick, Easy, Nutritious. Red Lentil & Tomato Soup What's Not to Like?


text:
Inca Emperors
https://www.ticketmachupicchu.com/inca-emperors/
You will be surprised to know that the Inca Empire lasted barely two centuries. But how amazing and of course interesting was its rapid development, to achieve its daunting expansion in such little time. It is not known for sure when he started the empire as such; It was estimated to be sometime in the thirteenth century, when Manco Capac began this dynasty.
In two hundred years it becomes the most powerful nation in South America, which reaches its peak in mid-1400 during the Pachacutec period. But with the arrival of the Spaniards the splendor of the empire came to an end.
Inca worshiping the Sun God
Who were the Inca emperors?
Manco Cápac – "Rich Lord of Vassals"
Period of Government: 1150 – 1178
Dynasty: Hurin Qosqo
Period: Legendary Inca
Sinchi Roca – "Prince Prudent"
Lloque Yupanqui – "Memorable Lefty"
Period: Inca local confederation
Mayta Cápac – "The Melancholic"
Cápac Yupanqui – "Supreme Counter"
Inca Roca – "Supreme Valiant Sovereign"
Dynasty: Hanan Qosqo
Yahuar Huácac – "The One Who Cries Blood"
Huiracocha Inca – "Sea Foam"
Pachacútec – "Transformer of the World"
Period: Initial Inca Expansion
Amaru Inca Yupanqui – "Supreme Sagacious"
Period of Government: 1478
Tupac Inca Yupanqui – "Resplendent and Memorable King"
Period: Inca Imperial Apogee
Huayna Cápac – "Mighty Young"
Huáscar – "Chain of Gold"
Period: Imperial Inca Crisis
Atahuallpa – "Happy Winner"
Incas Rebels of Vilcabamba
Manco Inca II (1533-1536)
Sayri Tupac (1545-1558)
Titu Cusi (1558-1570)
Túpac Amaru (1570-1572)
How did they began?
The Incas failed to invent writing, so there is no record of how they started. When the Spanish conquered the land, it was began the written history of the empire of the Incas, but it must have been hard to write about an event that occurred 200 years before, so no one knows for sure what was the beginning of civilization. So until today its principles are legendary.
The mandate of Manco Capac lasted about forty years. Time in which was established some codes of conduct (laws) during his regime. After the death of Manco Capac, the empire flourished until the mandate of the Inca Pachacutec.
Under the command of Pachacutec the empire had its greatest expansion. When Pachacutec became emperor, Cusco was just a city where the Inca lived. However, Pachacutec organized and became the Empire in a system of government known as Tahuantinsuyo. Pachacutec also known for founding Machu Picchu. Although it is not clear if it was used as a royal residence, retreat or other purpose.
How they expanded their empire, the Inca emperors?
Since that Manco Capac founded the empire, this was growing, but achieved his greatest acceleration during the reign of the great Pachacutec. Pachacutec established alliances, that allowed him to dominate the territory without using force. Allowing them to create a vast empire that came to control the territory from Ecuador in the north, until the more than half of the present Chile, with a population of three to five million people in an area of 1,700,000 km2.
After Pachacutec, his son Tupac Inca Yupanqui was head when the army, he continued with the expansion of the empire, expanded the lands of the empire to the north, it began in 1463 and continued until after the death of Pachacutec. When the empire of the Incas reached its peak, the Empire included Peru and Bolivia, part of Ecuador, much of Chile, also part of Argentina and Colombia.
Emperors of the fall of the empire
Huayna Capac died in 1525. Before he died he could not fix his successor. Although he wanted his successor would be Atahualpa, Huascar was actually in line to be the next successor. So he tried to find a balance between love and responsibility. He gave to Atahualpa northern part of the empire and to Huascar the central part including Cusco. His bad decision waged a civil war between the two brothers. Many people died, and the rule weakened from within were defeated by the Spaniards. Atahualpa died in 1532 and Spain took control of Cusco.
← Legends of the origin of the Inca Empire
Sacred Place in Machu Picchu →


Polycoat is ColourCourt's unique polyurethane binder process. A cost effective renovator which impedes the deterioration of surfaces beginning to suffer from the breakdown in the bitumen binder.
The surfaces are first pressure-washed clean, then the Polycoat is applied binding the remaining surface, and finally two coats of non-slip acrylic are applied to give an aesthetic, safe and long lasting finish.
Colour Spraying ColourCourt use a high quality water based acrylic paint, consisting of one undercoat and one top coat in Tennis Court Grade HG4 paint. These are formulated to be slip resistant, containing algaecide and fungicide treatments. Great care is taken with all mixing ratios and controlled carefully as any variation can affect the finished quality of the coatings. Optimum use of pigments can result in deep, intense colours.


Managing money in your 20s and 30s is an overwhelming experience. Personal needs and expectations constantly change over the years, which can make building the right financial habits difficult. Whether entering the work force, buying a new home, or starting a family, there are four money mistakes that should be avoided.
Job offers out of school validate years of hard work. But don't make the mistake of accepting initial offers at face value. It's a mistake to accept any job offer without first negotiating overall compensation. Employers expect a little back and forth.
Companies spend significant resources to bring on new hires. When they extend an offer, they'd rather work to keep the right candidate than to start the search from scratch. Additional compensation can take on many forms, including a higher starting salary, employer benefits, or signing bonuses. You'll never get what you don't ask for.
How much did you spend last month on your phone bill or your morning commute? Not knowing can result in paying unnecessary fees for unused services.
Tracking expenses can help to identify spending habits. Understanding the trends can lead to small changes that add up to big savings. Establishing a budget makes spending deliberate and can free up money better spent elsewhere.
Free apps like Mint make expense tracking and budgeting a breeze. They're sure to solve the mystery of where all the money went at the end of the month.
Referring to interest, Albert Einstein said, "He who understands it, earns it…he who doesn't…pays it." Credit card rewards and incentives are attractive and can be an effective tool. But improper use will result in serious consequences.
A small sum owed can quickly snowball into a large debt and a poor credit score. Bad credit affects the ability to take out a loan, like a mortgage for a home. Pay your credit card balance in full by the end of each billing cycle. If that's an issue, stop using credit cards.
Upon his death in 1790, Benjamin Franklin bestowed US$4,500 to the City of Philadelphia. He left instructions specifying the funds remain untouched for 100 years. At 100 years, the city could withdraw US$500,000 but the remainder was to be left for another 100 years. In 1990, 200 years after Franklin's death, Philadelphia was in possession of an endowment worth more than US$2 million.
It's never too early—or too late—to start investing (in stocks, bonds, or GICs) for your retirement or your child's education (in an RESP). Savings properly invested will earn compound interest and amount to a significant amount over several years.
The key to avoiding these money mistakes, no matter the stage in life, is to establish the right habits. It's never too late to get started. Spend less than you make, make a budget and stick to it, watch out for unnecessary fees, pay off your credit card balance in full each month, and save a little for the future. While some habits may take more time to master than others may, a deliberate effort will lead to a financially brighter future.


The Chinese state news agency Xinhua has announced that the country's space agency plans to land a probe on the dark side of the Moon in two years' time — a feat that would mark a first for mankind.
China is readying a new craft called Chang'e-4 for the mission, writes Reuters, which is planned to study the geological conditions on the as-yet unexplored far side of the Moon. The Xinhua news agency claims that the launch will take place in 2018.
China successfully took its first lunar lander, Chang'e 3, to the Moon two years ago. The findings from its Yutu rover, published last month, demonstrated that the Moon's history is far more complex than we realised.
Chnag'e 4 will be similar to its predecessor, though it's planned to carry a larger payload. Like its older sibling, it will be designed to make a soft landing on the Moon. It should provide huge insights about the geology of our nearest neighbour, especially about the thicker crust that we know exists on its far side.


Zig-zagging through some residential alleys in Taipei, French artist Julien Coignet kept a keen eye on the "traces of history" left in the jumble of age-old dwellings that are now sitting in the growing shadows of the prospering modern buildings.
During his second residence in Taipei Treasure Hill Artist Village, the Seoul-based French artist extended his Mosaic Project from South Korea to Taipei, where he gave away free stickers of symmetrical geometry shapes that resemble common patterns of mosaic tiles—a material widely used for architecture in Asia from 1960 to 1980, but is now gradually fading away from the cityscape.
"A city is a living organism made up of layers of history." By distributing the stickers, Coignet invites people to spread these little "reminders of the glory of the past," making them reappear in the corners of this continuously transforming city, shedding light on what urban planning is depriving us of, and bringing the richness back to the society, which is like an organism that needs to be exposed to a variety of virus to become stronger.
"It's my reaction to this globalization phenomenon." Conveyed through the stickers, he questions the city: How can we preserve what we are losing?
As one of the invitees of the Youth Forum 2018 who discussed with the mayor of Taipei the city's uniqueness and inclusivity with reference to the Summer Universiade 2017, Coignet has pointed out that holding international events of such can mean allowing foreign investments flowing in the city to wash away its localness.
"The experience we have now is that the city is not for the commonwealth. It's more for the interests of the few," concluded Coignet from his observations in the cities he lived in: Paris, Seoul, and Taipei. "More and more we are living in a society divided into two or three groups of people, and the people with the more capital are invading the common's space." However, while anti-Olympic protests are breaking out in France and Korea, Taiwan seems to have been pretty willingly excluded from this anti-globalization atmosphere.
"Globalization is not inclusivity," said the artist, firmly. "Economy rules the world. It rules the relationships between people." He pointed out that Muslims from Dubai or Saudi Arabia are often very welcomed in Paris, while those of the same religion, but coming from Syria, do not share the same privilege.
According to him, many South Korean farmers in the countryside seek help from agencies to find Vietnamese women to marry, who are often faced with "serious problems of integration" moving to such a monoethnic country.
"Taiwan has a relatively wider diversity of people already." With its history and geographical location, Taiwan has long been absorbing and blending different influences. "It's easier for Taiwanese to accept someone different," observed Coignet.
Speaking of multi-cultural cities, Coignet thought of Cophenhagen, Denmark. The city encompasses a diverse array of cultural backgrounds, he says. Yet "the people strongly keep their own culture"–a phenomenon that is widely observed in Northern European countries.
Combination and Mix–Strength or Weakness?
While multi-cultural communities preserve the wall between different cultures, inclusivity can mean breaking the walls, resulting in combination and mixes of culture. Regarding this, some hold a critical view, saying that this would only widen the scope of a culture, but not deepen it. Including everything could mean constantly changing and losing oneself's identity.
Faced with this question, Coignet nevertheless remains confident in Taiwan's inclusivity. "If you visit Japan, it's Japan. If Korea, it's Korea." These countries might have a clear iconic culture of their own, yet according to him, more and more artists are more curious about places they do not have a preconception of.
His video will include a long-take scene of Da'an Park Taipei, an extract from the film Vive L'amour (愛情萬歲), directed by Taiwanese director Ming-liang Tsai (蔡明亮) in 1994, when Da'an Park was still in its stark rawness. "It's interesting to see the original look of things," said Coignet.
Next time you spot a mosaic sticker in a corner of Taipei City, you would know what it's telling you.


Neev Spencers has taken the world by surprise with the announcement of her second pregnancy. Neev had embraced the Duchess of Cambridge brigade of focusing on the issue that is maternal mental health. The difficulties faced in Specners' first pregnancy are common knowledge, yet she is ready to take the plunge all over again.
The famous KISS FM DJ and charity campaigner went through postnatal depression with her first child Genevieve, now two and a half. Despite overcoming this obstacle, she's know happily expecting her second child with her advertising professional husband, Chan.
"I went from longing to have one baby to being blessed to be able to have two."
Neev, now 35, is aware of the anxieties sometimes associated with motherhood. While battling postnatal depression, she had been motivated to work with the charity Heads Together, founded by the Kate Middleton, Duchess of Cambridge; and her brother-in-law Prince Harry.
"I think there's more stigma attached to maternal mental health than many other types of mental health," says Neev. "That's because a lot of women are concerned about the repercussions of saying, 'I'm not okay.' Hence, when the Duchess spoke up about it, she gathered some momentum.
The Duchess of Cambridge in a rendezvous with Spencers discussed honestly about the reality of motherhood, including an at length discussion with postnatal depression. Spencers, on her part, opened up for the first time on her own experience with mental health after the birth of her daughter, and the video was released for the Duchess' 'Heads Together' campaign. Middleton, along with husband Prince William and Prince Harry, have always been extremely vocal about mental health and have been supportive of a range of mental health charities.
Spencers was aware of the taboo associated with mental health worldwide, so her first time speaking about depression and anxiety was a bold call. In her meeting with the Middleton at Kensington Palace, Spencers had also discussed how she had first spoken about her postnatal depression with a friend in Australia via FaceTime. Middleton had shared with Spencers that it is a very "hard" thing to come clean about the pressures of being a new mother. She too agreed parenthood is not easy, and that no amount of preparation is enough.
"She's so lovely and genuine," Spencers later said to the media. "She was talking about motherhood, how she had mixed emotions and didn't know how to feel – and how much pressure we put on ourselves and how you can never prepare yourself to be a mum."
With her second baby due in July, Sepncer acknowledges being inspired by Meghan Markle, Duchess of Sussex for her pregnancy style. "She has rocked the bump, she's inspired me, she looks so fit, healthy, glowy and gorgeous. I love her bump style."
Spencers clearly is awestruck by the Duchess, and is now ready to deal with her second pregnancy. She has been there, done that and now she is all set to embrace the joy of a new baby once again!


text:
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text:
-{Resident Evil}- је јапанска видео-игра и медијска франшиза.

-{Resident Evil}- се такође може односити на:
 Притајено зло (филмска серија)
 Притајено зло (филм)
 Притајено зло (ТВ серија)


text:
Search For "chinese intelligence"
US: Georgia bans TikTok from state govt-issued phones, computers
Updated : 1 month, 1 week ago IST
Kemp said his decision is due to concerns that Chinese intelligence can access American users' data through the social media app. New Hampshire, Alabama, Texas, and North Dakota have also banned the use of TikTok on state government-issued devices as well.
US sentences Chinese spy to 20 years in prison for trying to steal trade s
Yanjun Xu, 42, targeted American aviation companies, recruited employees to travel to China, and solicited their proprietary information, all on behalf of the government of the People's Republic of China (PRC).
Chinese government undermining US justice system, says official
Updated : 3 months ago IST
A US Justice Department official said the Chinese government is undermining the rule of law and targeting the US justice system.
Suspected Chinese spy infiltrated US politics through Trump: report
Washington [US], October 16 (ANI): Chinese businessman Tao Liu, who has a criminal background in China and is termed a fugitive, has recently met former US president Donald Trump in September which American investigators believed Liu may have infiltrated US politics as part of a Chinese inte
US citizen, four Chinese intelligence officers charged with spying on diss
Washington [US], May 20 (ANI): A US citizen and four officials from China's Ministry of State Security (MSS) were charged in an indictment, unsealed in federal court in Brooklyn, with conspiracy and other charges related to an espionage and transnational repression scheme.
HarperCollins announces the release of Chinese Spies From Chairman Mao to
Updated : 10 months ago IST
New Delhi [India], March 30 (ANI/PR Newswire): A book that gives a credible, detailed, and accessible account of Chinese intelligence agencies, about which next to nothing is known.
China is interested in Ukraine's defence-industrial complex, says report
Moscow [Russia], February 21 (ANI): Ever since Ukraine rejected the Chinese bid to buy a major stake in the Ukrainian aviation company Motor Sich and imposed sanctions on Chinese individuals and entities involved in the deal, Beijing has reportedly employed covert tactics to acquire Ukrainia
Rastriya Ekata Abhiyan holds demonstration against China in Biratnagar, Ne
Biratnagar [Nepal], January 27 (ANI): Rastriya Ekata Abhiyan held a demonstration against China in Biratnagar on Thursday.
ED attaches assets worth Rs 48 lakh of journalist Rajeev Sharma who was in
New Delhi [India], January 15 (ANI): The Enforcement Directorate (ED) has attached assets worth Rs 48.21 lakh belonging to journalist Rajeev Sharma, who is accused of supplying confidential and sensitive information to Chinese Intelligence Officers in exchange for remuneration thereby compro
Delhi HC grants bail to journalist Rajeev Sharma in espionage case
New Delhi [India], January 7 (ANI): The Delhi High Court on Friday granted bail to Rajeev Sharma, a freelance journalist, arrested by ED under the Prevention of Money Laundering Act (PMLA), 2002 on the charges of supplying confidential and sensitive information to Chinese intelligence office
Court takes cognizance of charge sheet against journalist Rajeev Sharma, o
New Delhi [India], September 7 (ANI): A Delhi Court on Tuesday took cognizance of a charge sheet filed under the charges of money laundering against freelance journalist Rajeev Sharma and others in a case regarding leakage of sensitive information to Chinese intelligence officers.
Espionage Case: Delhi HC seeks ED's response on freelance journalist Rajee
New Delhi [India], August 26 (ANI): The Delhi High Court on Thursday sought the response of the Enforcement Directorate (ED) on the bail plea of freelance journalist Rajeev Sharma, arrested in a money laundering case regarding leakage of sensitive information to Chinese intelligence officers