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NHL players eager to chase the Cup, but saying 'goodbye' to family isn't easy
Bo Horvat bid an emotional farewell to his wife and newborn son earlier this month.
The captain of the Vancouver Canucks then got on a plane and headed west, unsure of when he'll see them next.
"I knew it was going to be tough, but you don't know until it actually happens," said Horvat, who left Holly and little Gunnar, born June 28, back home in Ontario. "One of the toughest days I've ever had to go through, leaving your family behind."
If they haven't done so already, NHL players across North America are set go through something similar on Sunday before setting up shop in the hub cities of Toronto and Edmonton for the league's 24-team restart to its pandemic-hit season.
There will no doubt be tears and hugs. Once inside those secure bubbles, players will be locked down and segregated from the general public in hopes of keeping COVID-19 at bay.
FaceTime and video conferencing platforms will have to do when it comes to staying in touch with loved ones.
"This is part of the game right now," said Toronto Maple Leafs defenceman Jake Muzzin, who has a wife and one-year-old daughter. "You want to be away as long as we can because that means you're doing well and you're going on.
"It'll be tough leaving the family, but I'm committed to leaving and going as far as we can."
Immediate family members — spouse/significant other and children — will be allowed inside the Edmonton bubble for the conference and Stanley Cup finals beginning sometime in early September. But when taking into account the qualifying and round-robin portions of the restart, that's still upwards of six weeks apart.
"You want to be there in those early ages, early years to bond with them and help out as best you can," Horvat said of being away from his son. "But under these circumstances, what can you do?
"It's the new normal nowadays, and we've got to live with it and think of the positives."
Toronto centre Jason Spezza floated an idea during negotiations between the league and the NHL Players' Association that likened the initial period in the bubble to the annual world championships when families are kept separate from teams before eventually being reunited later in the tournament.
"There was a large group of guys that were worried about being away," said Spezza, who has a wife and four daughters. "It's a good way to sell it to guys that it's something we can do and pull off and the families can handle.
"But there's no doubt there's going to be some missing the families during this."
He also stressed players are fortunate to be in this position given the devastating impact the novel coronavirus has had around the world.
"'Sacrifice' is a tough word to use," Spezza said. "This is a choice. We're choosing to go away and play. There's a lot of people that sacrifice a lot more."
Washington Capitals goalie Braden Holtby joked that after more than four months at home, his wife and two kids are probably sick of him.
"That's part of our profession," he added of being apart. "It's going to be a little more time away, but realistically in playoffs you're gone basically the whole time anyways, even game days at home you barely see your family.
"It's not going to be too different, but (the family is) planning to go see grandparents, so I'm old news at that point."
While players on teams advancing to the third round of the playoffs will have a chance to reconnect with family following a quarantine period, it's a different story for coaches. They'll have to rely on technology to stay in touch for the entire restart.
"It's such a tough thing, right?" said Toronto head coach Sheldon Keefe, who's married with two sons. "You miss them and you love them, and the greatest challenge of all of this is the harder you work and the more success you have, the (longer) you're are apart."
Much like Horvat, a number of other NHLers have already said goodbye to family, not wanting to risk travel to their teams' home cities for training camp.
Carey Price's wife posted a touching picture to social media of the Canadiens goalie hugging their two daughters on an airport tarmac in Washington state before he flew back to Montreal alone.
"At this time in their lives they're growing quickly," Price said. "That makes things a little more difficult, but we're dealing with it."
Every player had the chance to opt out of the resumption of play without penalty, and Edmonton Oilers goalie Mike Smith said it was a difficult decision to leave his young family behind.
"I had some pretty upset kids when I told them I was going to Edmonton and they were staying," he said. "That was a hard choice, a hard decision."
"The hardest day was leaving my house in Sweden," Flames centre Mikael Backlund said of heading to Calgary without his wife and daughter. "We're all fully committed and we're all sacrificing something to be here.
"We're all doing it hoping to raise the Cup."
That's what Horvat told himself after leaving his wife and little one behind.
"The not knowing when you're going to see them again is the biggest thing," he said. "But hopefully by the end of this, I'll be putting him in the Stanley Cup.
"And everything will be all right."
— With files from Dean Bennett in Edmonton and Donna Spencer in Calgary
This report by The Canadian Press was first published July 23, 2020.
Follow @JClipperton_CP on Twitter
Joshua Clipperton, The Canadian Press
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My 600-lb Life: Where Is David Nelson, The Star Of 'My 600-lb Life,' Now?
30-year-old David Nelson of Idaho Falls, Idaho, lived a painful life because of his enormous weight of 763 pounds. He lived with his foster mother, Robin, who cooked for him and tried to help him lose weight.
David Nelson had additional health problems due to his weight, such as chronic back and muscle pain, took about 8 painkillers, and required a continuous positive airway pressure (CPAP) machine to sleep. All he did every day was sleep, eat a lot of unhealthy food, sit and watch TV and sometimes go to the grocery store with Robin.
David Nelson's food addiction was the result of an unstable living environment, which unfortunately started very early in his life. David was born to his 13-year-old young mother who happened to be a cocaine addict and an absent father. So he practically grew up in various foster homes and with foster parents who were not always well-intentioned.
Some of the parents would only take in foster children for money provided by the state, and some would not provide him with proper food, so he had to overeat for fear of not being fed again for days.
By the age of six, he was finally adopted by the Nelson family, but unfortunately the parents turned out to be violent. They disciplined him by hitting and beating him, once even breaking his nose.
So throughout his childhood he turned to food again for emotional consolation, gaining 250 kilos by secondary school. But his participation in football and wrestling kept him active and he had no problem until the age of 15/16, when he got into serious trouble. Unfortunately, he was kicked out of his family after he and his siblings threw parties while his parents were away at their grandmother's funeral.
David Vito Nelson (@davidvitonelson)'in paylaştığı bir gönderi
It was a devastating time for David; he went back into care, gained 100 kilos in a year and became depressed. Luckily, he was adopted by Robin, who saw goodness in him and wanted to help turn his life around. Robin helped her lose 280 pounds, gave her a positive environment, treated her like a son, and helped her study and get into the University of Idaho. But college was hard for him again as he slipped into partying, eating and drinking, eventually leaving college and getting a job in his hometown.
After losing 68 kilos to 695 kilos, she immediately qualified for surgery and Dr. Now asked her to lose another 30 kilos in the 2 months until the surgery. She was also asked to arrange to move to Houston with someone so that the gastric bypass surgery could be performed without a hitch.
However, the stress of moving to Houston and Robin's difficulty arranging time from work to move meant David sometimes skipped the diet. He also confessed that the stress caused him to cheat on meals, but he tried different exercises, such as aqua aerobics, to continue his journey.
As a result, David gained back 38 kilos at the next follow-up, becoming 733 kilos. This caused him a lot of frustration and guilt as he felt he had let everyone down, especially Robin.
Even after trying for another 2 months, when he lost only 14 kilos, Dr Now then advised him to seek therapy to deal with his emotional stress, which was causing him to cheat on his eating. He also gave her another 2 months to lose 70 kilos and get clearance for surgery.
Psychotherapy helped David because he was able to let his emotions out quite well and was therefore encouraged to live more independently, looking at his own abilities. As he started to live independently, worked out his emotions, ate healthily and even went out on his own, David eventually gained confidence and lost a total of 155 kilos, weighing 608 kilos. Dr. Now also approved his bariatric surgery on the condition that he continue with the weight loss plan, and David has been doing great ever since, getting a trainer, eating healthy and even travelling!
Dr. NowMy 600-lb Life
Previous article My 600-lb Life: What Was Destinee Lashaee's Cause Of Death?
Next article I Am Jazz Fans Are Happy That TLC Has Finally Released Season 8 Details.
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by Emma Fisher 19 January 2023, 19:12
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Colin Coleman, 32, says his life has been changed by the Visumax SMILE procedure carried out by one of the country's leading eye specialists, Professor Johnny Moore, at Cathedral Eye Clinic. The VisuMax laser is the latest third generation laser technology and is currently the only one on the island of Ireland. The VisuMax SMILE procedure at the Cathedral Eye Clinic is a minimally invasive, flapless procedure that combines the advantages of previous generations of laser eye procedures. As a result, there is less incidence of dry eye and other postsurgical effects. The overall treatment is gentle and visual recovery takes just 24 to 48 hours. "It is like driving a convertible car for the first time. It is just fantastic. I'm so glad I had the treatment," said Colin.
With his eyesight gradually deteriorating through growing astigmatism in his eyes and short sightedness, Colin was finding that he wasn't enjoying his outdoor pursuits of hiking, trekking, swimming, cycling and triathlon just as much as he used to. "I would be out sea swimming with my friends without my glasses on and they would say that 'we will use the white house over there as our shoreline mark'. I was saying to myself: what white house? I can't see any white house! "So all I could do was to tuck in behind another swimmer, follow him and hope for the best.
Colin said he had been considering having laser eye treatment for a number of years but didn't believe it would work for him. He had previously been told that his eyes were too far gone for a corrective laser procedure. That was until one day in the North Coast when he bumped into Andrew Spence, principal optometrist at the Cathedral Eye Clinic in Belfast. "He told me to come to Belfast and see Professor Moore for a chat and see what he could do for me. "Professor Moore is the best in his field and he told me about the new Visumax SMILE technology he had installed. He examined my eyes and said he could fix the problem that was there. Basically, my pupils were rugby shaped instead of being oval shaped like a football. "I was booked in and the whole procedure lasted no more than 20 minutes. I didn't feel the laser, I didn't even see the laser. "The only way I can describe it is that you feel a wee bit of pressure, that's all it is. There is no pain during or after. "I remember sitting up afterwards and Professor Moore had a German guy with him and I could see every single stripe on his shirt. I just thought: 'Wow! This is amazing.''' Within one day of the treatment, Colin says he was back treating his patients at his Causeway Physio Clinic in Coleraine. "I had the treatment on the Wednesday, I took the Thursday off to recover and Friday I was back at work. "I didn't really know what to fully expect from the treatment but the results have just been absolutely fantastic.


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Live Auction 12225 Modern British & Irish Art Evening Sale
PROPERTY OF A GENTLEMAN
Walter Richard Sickert (1860-1942)
L' Eldorado
20½ x 24¼ in. (52 x 61.5 cm.)
Painted circa 1906.
Arthur Clifton of the Carfax Gallery, London; his widow, Mrs Madeline Clifton.
with Agnew's, London, 1964.
with Roland, Browse & Delbanco, London, 1968.
J. C. King, his sale; Sotheby's, London, 18 July 1973, lot 25.
with David Jones' Art Gallery, Sydney, 1980.
Robert Haines, his sale; Christie's, London, 8 November, 1985, lot 142.
Anonymous sale; Sotheby's, London, 2 May 1990, lot 45.
with Fine Art Society, London.
Private collection, USA.
Anonymous sale; Sotheby's London, 18 June 1997, lot 61.
with Spink-Leger, London, where purchased by the present owner, April 1999.
F. Rutter, The Studio, Vol. 100, November 1930, p. 324, illustrated.
Exhibition catalogue, Walter R. Sickert 1860-1942, New York, Hirschl & Adler, 1967, no. 13, as 'Old Bedford', illustrated.
W. Baron, Sickert, London, 1973, pp. 93-99, 342, no. 235.
Apollo, August 1974, illustrated.
Exhibition catalogue, British Modernist Art, 1905-1930, New York, Hirschl & Adler Galleries, 1987, no. 35, p. 42, illustrated.
Exhibition catalogue, Twentieth Century British Art: From Sickert to Hirst, London, Spink-Leger, 1998, n.p., no. 1, illustrated, as 'L' Eldorado, Paris'.
W. Baron, Sickert Paintings and Drawings, New Haven and London, 2006, pp. 336-337, no. 291.1, illustrated.
possibly Paris, Bernheim-Jeune, 1907.
Glasgow, Institute of Fine Arts, Sickert, 1949, catalogue not traced.
London, Agnew's, Walter Richard Sickert, Centenary Exhibition, 1960, no. 13, as 'The Old Bedford'.
Johannesburg, Adler Fielding Galleries, Walter Richard Sickert 1860-1942, August 1965, no. O15.
New York, Hirschl & Adler, Walter R. Sickert 1860-1942, April - May 1967, no. 13, as 'Theatre Interior- La Gaite Rochechouart'.
Sydney, David Jones' Art Gallery, Walter Richard Sickert 1860-1942, May - June 1968, no. 21.
Sydney, David Jones' Art Gallery, Walter Richard Sickert 1860-1942: Paintings and Drawings from Public and Private Collections in Australia, August 1980, no. 18.
New York, Hirschl & Adler Galleries, British Modernist Art, 1905-1930, November 1987 - January 1988, no. 35.
London, Spink-Leger, Twentieth Century British Art: From Sickert to Hirst, April 1998, no. 1.
By the turn of the 20th Century, Walter Sickert had gained a reputation as a highly convincing modernist painter who could command the attention of a number of important collectors in both Paris and London. After a short career as an actor, he had trained under the American painter, J.M.W. Whistler, but soon rejected his master's practice of painting alla prima after spending time at the studio of Edgar Degas in Paris in the autumn of 1885. This meeting proved pivotal for the artist and Sickert and his first wife, Ellen Cobden bought three works from Degas, including The Rehearsal of the Ballet on Stage, (1873-74, Metropolitan Museum of Art, New York, H.O. Havemeyer Collection). Sickert grew to hero-worship and emulate the great French painter, deciding to plan his studio pictures from sketches created on the spot, admiring the more experienced artist's spontaneity and brio. After his separation from Ellen, Sickert lived in self-imposed exile in Dieppe, Venice and Paris between 1898 to 1905, during which their acquaintance grew into a friendship that would last until Degas' death in 1917.
L' Eldorado was painted over the autumn and winter of 1906, an extremely prolific period for Sickert. During this time he painted nudes extensively, as well as reviving his interest in the music halls of London, and painting theatres in Paris for the first time. In many of his London music hall works of the 1890s he depicted the popular performers of the day, such as Little Dot Hetherington, Minnie Cunningham and Miss Katie Lawrence, best known for her song 'Daisy Bell'. Although members of the orchestra and profiles of the audience frequently appear in these works, it was later in the decade that the audience alone become the subject of these interiors, as personified in the present work. This newfound interest was echoed in a letter Sickert wrote to his friends and fellow artists William Rothenstein and Jacques-Émile Blanche in 1906, in which he spoke of depicting the boys in the audience at the Middlesex Music Hall in Drury Lane, known as 'the old Mo' or The Old Middlesex. He wrote to Rothenstein, 'I want another fortnight here to finish 4 or 5 pictures as good as 'Noctes Ambrosianae', only red and blue places, instead of black ones. The Eldorado, the Gaîeté Rochechouart, the Théâtre de Montmartre'.
The Eldorado stood at 4 boulevard de Strasbourg and was one of the most popular café-theatres in Paris; it was subsequently demolished in 1932. Wendy Baron describes a version of the same composition (The Barber Institute of Fine Arts, Birmingham) as 'maybe one of the blue places' mentioned to Rothenstein. In L' Eldorado, Sickert captures the atmosphere of the theatre dimly lit by gas lights to wonderful effect. Utilising a series of smoky grey-blues that run throughout the painting, Sickert harmonises his composition, offsetting these tones with touches of grey, blue and violet picked out in the figures, along with the yellow ochres deployed for the lights and the isolated notes of rust red, which glint here and there.
The annotated catalogue of the Sickert sale at the Hôtel Drouot in June 1909 is inscribed '(Eldorado)' after the printed title Spectateurs. It was bought by Emile Bernheim. The measurements are approximately those of both the Barber Institute painting and the present work (ibid., p.336). Travelling regularly between a London and Paris, Sickert was in a Paris again in a January 1907, to oversee his exhibition at Bernheim-Jeune in which the present work was probably included.
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The social network is reportedly revamping Nicole Byer's MTV show.
Facebook already knows who your friends are, whom you're dating, and what your bangs looked like in 2007. What else can they do? Next up, Mark Zuckerberg's behemoth baby is planning to take on original television content.
The Hollywood Reporter revealed today that Facebook is readying the first series of its planned original video programming push. Multiple sources tell the mag that execs have finalized a deal to revive Loosely Exactly Nicole, a scripted show that ran on MTV for just one season last fall. It was officially cancelled in February.
Loosely Exactly Nicole was a comedy from Nicole Byer, an MTV and social-media personality who previously appeared on the network's talking-heads show Girl Code.
Reports say that Facebook is planning two categories for their original video content: this show would fall under the "television-quality" series umbrella, while the other would be shorter, more shareable clips.
Facebook is just the latest tech giant to add original, elevated video content to its slate of products. Snapchat is also in on the game, while companies like Amazon, Netflix, and Hulu have upended the television industry within just a few seasons. What's next, LinkedIn?


A year after the Birmingham abortion clinic bombing, the gay brother of suspect Eric Rudolph still mourns its victims.
He may hate women and lesbians, but he loves his gay brother.
Nine months after Eric Rudolph allegedly bombed an Atlanta lesbian bar, and only three months before he became the prime suspect in the deadly bombing of an Alabama abortion clinic last January, the fugitive Rudolph paid a visit to his gay brother in New York.
The boyish, dark blond-haired Rudolph, 32, has been the object of a massive manhunt in the forests of western North Carolina since a bomb blew up outside the One Woman-All Women clinic in Birmingham a year ago Friday. The nail-studded bomb gravely injured a nurse and killed an off-duty city policeman, who, as it turns out, also worked as a security guard at a local gay bar.
Materials recovered from that bomb led authorities to additionally charge Rudolph for the 1996 Atlanta Olympics bombing, which killed one woman and injured 247 more people, as well as the bombing of a Sandy Springs, Ga., abortion clinic and the double explosion outside an Atlanta lesbian bar, the Other Side, which severely injured law enforcement personnel rushing to the scene.
All during this time, Rudolph's younger brother Jamie, a talented recording artist who had come out to his family the year before, has been living with his male lover in a cramped, two-room apartment in New York's Greenwich Village.
That the fugitive has a gay brother in New York has long been whispered among residents in the Nantahala Forest of western North Carolina area, where the Rudolph family lived in the 1980s. Until charges were filed in the Atlanta lesbian bar bombing, however, the fact that the brother was gay was considered interesting but not particularly relevant by reporters: It was just another aspect to a long-running case with several bizarre facets: Another Rudolph brother sawed off his hand; a "patriot army" led by ex-Green Beret Col. James "Bo" Gritz combed the hills for Rudolph like a traveling circus, and shots were fired at a fugitive task force command post. Then, after Gritz failed to entice Rudolph into surrendering, he went home and tried to kill himself over a failing marriage.
In November 1997, however, shortly before he allegedly bombed the Birmingham clinic and took to the woods, Eric Rudolph arrived in New York with his mother, Patricia, on short notice. They toured Manhattan, walked around Central Park and went to the opera and out for dinner, Jamie said in an exclusive interview.
"We hadn't heard from him in a long time," Jamie said as we strolled along a crowded Greenwich Village sidewalk. "He said he'd been traveling, but he wouldn't tell where he'd been."
Did he talk about abortion? Jamie shook his head. "I knew he was conservative and anti-government and anti-Clinton, but I didn't know he was anti-abortion." As for being around him and his gay lover, "He seemed comfortable. I could talk to him openly." Reminded that one of the targets his brother was suspected of bombing was a gay bar, Jamie nodded sadly. "Maybe he was thinking something [when we were together], but not acting on it."
Jamie attributed his brother's anti-government views to a period in the early 1980s when his mother hauled them off to a Missouri commune run by the "Christian Identity" movement, which espouses militant white-power views. Its anti-abortion stance, a militia member told me, comes "from the fact that the clinics are murdering white babies. If they were murdering black babies, they'd be all for it."
Long before that, however, Eric had grown a hard shell to protect himself from the bullying hillbillies in North Carolina, where the family moved from Florida when the boys were young, Jamie said.
"Culturally, it was a shock," he said. At school he and his brothers were constantly mocked as "foreigners." Jamie tended to run from the bullies, but Eric stood and fought. Looking back on it now, Jamie wondered if Eric made the decision then to out-crude the hillbillies. Even before they left Florida, Eric had begun referring to blacks as "niggers" and getting into fights with them, he said.
"It's ironic that the people in Nantahala shared his conservative views but didn't like him because he was from Miami," Jamie said. "Maybe he developed conservative views to be accepted by those people. I'm just speculating." As the years went on, his brother was increasingly "anti-government and against affirmative action," he said.
When Jamie, Eric and their mother were walking around Manhattan last November, "I actually thought it was peculiar that he didn't make some sort of racist remark," Jamie recalled. "I remember during dinner he started to mention something Rush Limbaugh said, but I just changed the subject."
Jamie Rudolph was "shocked" when the FBI later named his brother a suspect in the Birmingham bombing, according to Jamie's lover and musical partner, Cameron Ferguson. "He was almost dumbfounded. Like, 'This is really not legitimate, this is not true, this cannot have happened.'"
For several months afterward, the FBI parked unmarked surveillance cars near their apartment. They assumed their telephone was tapped.
"Bombing the clinic was like bombing the family," Ferguson said, "because his mother is trying to retire peacefully in Florida, his brother lost his marriage because of his reaction to this -- this psychosis, or political statement, or whatever it was."
His brother, Daniel Rudolph, lost more than his marriage. Six weeks after the bombing, Daniel, Eric and Jamie's older brother, went into his garage in South Carolina, turned on a video camera, intoned a Biblical verse and sliced off his right hand with a buzz saw -- a protest against pressure from the government and media, said law enforcement sources who saw the videotape. Daniel now lives in Florida with his mother, Patricia. His hand was reattached in a hospital.
Patricia Rudolph "had gone through traditional religious systems and things like that previously, and I think she was kind of really into self-awareness and contentment," according to Cameron Ferguson. "She was nice. A very motherly type."
And how did Eric, now a suspected serial bomber, come off? "He seemed like he was a pretty nice guy," Cameron said, chuckling at the apparent irony. "He seemed comfortable with Jamie's sexuality," he added. "[Jaime] had come out to his mother the year before, and it didn't seem to be an issue among any of them."
Eric Rudolph's own sexual orientation has been the subject of some speculation. Some people who knew him in North Carolina thought of him as a bit fey, I told Ferguson. Additionally, he was notoriously awkward around the few women he went out with. I asked if Eric gave off any clues to his own sexual orientation.
Cameron paused. "I've always had a very bad 'gay meter,'" he said. "I didn't really evaluate him." I pressed. "Well, you add up factors like, has he been married, had a girlfriend and so on." No, and no. "I hate this, because sometimes you just don't know, but he was pretty understanding and comfortable and tolerant around Jamie, whereas if you're a 100 percent straight macho guy, it might feel weird."
Their last night together in New York was odd, Jamie said. Eric insisted on renting a movie and having the four of them watch it.
"It was about an IRA terrorist," Jamie said. He couldn't remember the name of it, but he recalled thinking, "Why are we watching this?"
Eric Rudolph has managed to elude a task force of 200 state and federal agents deployed to North Carolina since January 1998, despite popping up once at a local resident's cabin last July to ask for food. The agents hoped the sparse winter foliage would give them a better shot at finding their quarry, an experienced woodsman and less-than-honorably discharged Army paratroop veteran, but the towering mountains and thousands of abandoned mine shafts have so far defeated them.
A citizen militia of beer-bellied veterans, their wives, children and dogs, led by self-styled populist and ex-Green Beret officer Gritz went home empty-handed after much hoopla last summer. A shot fired into the federal task force command post in Andrews, N.C., last fall has gone unsolved.
Law enforcement officials were planning a press conference in Birmingham Friday to issue a progress report on the case. Nothing new is expected.
"We're here, and he's there," said Craig Dahle, the FBI spokesman in Birmingham.
A memorial service for James Sanderson, the cop slain at the Birmingham abortion clinic, was also scheduled for the same day in Birmingham.
"He was the straightest guy in here," said Quest Club owner Robert Clark. "He just had a way of relating to everybody. Everybody really liked him."
"People don't need to forget this," said Emily Lyons, the clinic nurse and mother of two who lost an eye and was severely maimed by nails in the bomb. Since then, she's become an outspoken advocate for abortion rights. On Friday she'll be posting the first part of an autobiography on her Web site. It's called "Life's Been a Blast."


My Echo is out of warrantee and recently she has been very strange. She frequently doesn't respond to my voice commands and then shuts down and/or says she lost internet connection, which is fine with other devices. Could it be steam from shower (which is low as I keep door open in bathroom when shower is being used) or something else? She is acting like a misfiring robot from an 80s sitcom at times. I'm not sure what to do?
it could absolutely be steam.
Sodium and calcium buildup are some of the minerals involved in corrosion, which is also known as water damage. Steam can easily cause problems in a device. Short circuits, are the end result of it.
There could also be software corruption, Antenna failure, or Microphone issues.
Always keep the device 20 cm away from the walls, as dust from the walls can get onto the speakers thus, obstructing the voice path to reach Alexa.
Also, make sure- there's no loud noise when you speak.
Other than this, make sure while you give a voice command to Alexa, your voice is clear and natural.
Last but not least, keep your Echo device away from all machines with vocal outputs, for example- TV, radios, microwave, and many more.
Lisa and Fenway Hazen will be eternally grateful.


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Revision Apps and VR
Media, Partners and Sponsors
Cheetah robot breaks land speed record for bot with legs
Cheetahs are the fastest animals on land, and now DARPA's Cheetah robot has become the fastest robot with legs. The agency has released a video of the robot reaching a speed of 18 miles per hour while running on a treadmill, blowing away the previous record of 13.1 mph set way back in 1989. As the name suggests, the robot was designed to mimic the movements of a cheetah, with the ability to flex and un-flex its back to increase its stride and overall speed. It was created by Boston Dynamics — the same company behind the intimidating AlphaDog — and further tests on a "free-running" prototype are expected to take place later in the year, with the ultimate goal to run as fast — or faster — than an actual cheetah (70 mph). While the Cheetah isn't being designed with any specific mission in mind, DARPA says that the advances in mobility achieved in its development "could have a wide range of potential military applications."
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text:
In the Northern Territory, euthanasia has been legal for a short time (1997-1998). However, the Australian federal government overturned this: only 9 months after the act came into effect, it was repealed by the federal parliament. Human rights law exists at Federal level and covers the Territories.
Territories now, unlike the states in Australia, no longer have the authority to pass such laws. Movement toward illegal importation of Nembutal becoming more common. Suicide using gas also becoming popular. At this moment, legislators in the Northern Territory are seeking to get their freedom back.
It is possible to stop treatment and to use advance directives in situations where a person is no longer able to communicate. There are also schemes in the field of palliative sedation.
The Rights of the Terminally Ill Act 1995
The Rights of the Terminally Ill Act was the first voluntary euthanasia law in the world. It has been in effect for only 9 months: from the 10th of December 1997 to September 1998.
The Rights of the Terminally Ill Act
Right to Die Societies in Northern Territory
Northern Territory Voluntary Euthanasia Society
Christians Supporting Choice for Voluntary Assisted Dying
Australia does not overturn the ban on VAD in the territories
This October, Federal Attorney-General Michaelia Cash has said again that the Commonwealth has no plans to overturn the ban on territories having the right to
25 years ago: World's first legal euthanasia (by self injection)
On Sunday 22 September 1996, at around 3pm, the 66-year old Bob Dent (suffering from prostate cancer) pressed the 'YES' button on the Deliverance Euthanasia
Australian Northern Territory demands freedom to decide on assisted dying laws
The Northern Territory in Australia has launched a bid to be allowed to decide its own fate on the issue of voluntary euthanasia. Territory Chief


It is critical that you learn some things first about SEO if you want it to work. If you want to learn SEO, you are encouraged to make sure that you learn about link building. When you use links from reputable sites, you stand a chance of getting better rankings as well.
If you have all the time in the world, you can achieve this by yourself. However, if you are doing it part-time, it would be better if you let experts help you with this. As far as SEO is concerned, you will notice that there is a good number of people who are great at offering these services. However, it is not that easy to find the right people.


Qualifying utility customers receive waivers and discounts on their utility bills. The City of Austin has one of the most generous Customer Assistance Programs in the nation. Utility bill discounts are a key component of the program. They are provided to customers already receiving benefits through a variety of federal, state, county or city assistance programs. In February 2014, the Austin City Council voted to expand the discount program to 45,000 customers a year. Additionally, in 2015 the Austin City Council voted to no longer have a waitlist as well as include Veterans Affairs Supportive Housing (VASH) vouchers as a qualifier.
Under the program, qualifying Austin Energy customers receive a waiver of the $10 monthly electric customer charge; are exempt from paying the portion of the community benefit charge that supports the Utility Bill Discount Program; and they receive a 10% discount on their kWh usage charge. Austin Water customers also receive a discount on the water/wastewater customer charge as well as a volumetric discount on a customer's water usage. Watershed Protection provides a 50% discount on the drainage fee. Public Works under a separate qualification waives the transportation user fee.
Customers who qualify for utility bill discounts are receiving an average of $792 per year per family, $248 of which comes from Austin Energy. Total utility bill savings for the recipients is over $18 million annually. Below is a summary of electric account savings only.
As part of AE's Strategic Plan, Austin Energy selects high profile locations such as City buildings, libraries, and schools for solar projects as a way to increase public awareness and educate citizens about the advantages of solar power. A total of 58 City of Austin facilities have solar installations totaling more than 1,500 megawatts. While the majority of installations are relatively small in size, AE recently completed a 403-kW system at Austin Energy's new System Control Center which is the main control center for managing the Austin Energy electric system.
The City of Austin provides hearings for customers who would like the opportunity to dispute charges or are in need of any other type of account reconciliation. The hearings are conducted by an impartial Hearing Officer retained by the City of Austin.


ThingLink is a tool — available on the Web as well as iOS and Android — for embedding multimedia content in images or videos. The media-embedding process, for both teachers and students, simply involves uploading an image or video and linking it to other resources on the Web. Links can lead users to informational Web pages, audio recordings, and videos. Prompts guide users most of the way, and a Search Content option helps support the embedding process with links to commonly used Web resources.
Pinterest is a great resource for teacher to get ideas and inspiration for activities in the classroom. It's a digital "pinboard" that you can search for ideas and information, create boards of your own to store your collection of resources and can be available for other to see too.
Head over to Pinterest, sign up and have a look around.
These videoes are part of a series on female genius, in proud collaboration with 92Y's 7 Days of Genius Festival.


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Q: How to change the TabItem color when mouse is over? I'm using MahApp, I've created the following TabControl:
<TabControl TabStripPlacement="Left" Grid.Column="0" Grid.ColumnSpan="2" Grid.Row="0">
<TabItem>
    <TabItem.Header>
        <Image Source="Images/Icon.png"></Image>
    </TabItem.Header>
    <TabItem.Content>
            <Grid>
                <Controls:Scheduler x:Name="Scheduler"/>
            </Grid>
    </TabItem.Content>
</TabItem>
</TabControl>

How can I handle the MouseOver event and change the color? Actually if I pass the mouse over the TabItem the user don't understand if the TabItem is clickable or not. Thanks in advance.

A: You can add a TabItem Style as part of the TabControl. The Style will trigger based on MouseOver.
<TabControl TabStripPlacement="Left" Grid.Column="0" Grid.ColumnSpan="2" Grid.Row="0">
    <TabControl.Resources>
        <Style TargetType="{x:Type TabItem}">
            <Setter Property="Width" Value="Auto"/>
            <Setter Property="Background" Value="Transparent" />
            <Setter Property="Height" Value="Auto"/>
            <Setter Property="Template">
                <Setter.Value>
                    <ControlTemplate TargetType="TabItem">
                        <Border Name="Border" Background="Transparent">
                            <ContentPresenter x:Name="ContentSite"
                                VerticalAlignment="Center"
                                HorizontalAlignment="Left"
                                ContentSource="Header"
                                Margin="10,2"/>
                        </Border>
                        <ControlTemplate.Triggers>
                            <Trigger Property="IsMouseOver" Value="True" SourceName="Border">
                                <Setter TargetName="Border" Property="Background" Value="Blue" />
                            </Trigger>
                        </ControlTemplate.Triggers>
                    </ControlTemplate>
                </Setter.Value>
            </Setter>
        </Style>
    </TabControl.Resources>
    <TabItem>
        <TabItem.Header>
            <Image Source="Images/Icon.png"></Image>
        </TabItem.Header>
        <TabItem.Content>
            <Grid>

            </Grid>
        </TabItem.Content>
    </TabItem>
</TabControl>

Edit: If you want the color to persist when TabItem is selected, add this to the ControlTemplate.Triggers
            <Trigger Property="IsSelected" Value="True">
                <Setter TargetName="Border" Property="Background" Value="Blue" />
            </Trigger>

redpajama_set_name: RedPajamaStackExchange


text:
December 1942 – With the war against the axis powers in full–swing for nearly a full year, President Franklin Roosevelt ordered that the nation would be rationing gasoline. This new requirement was made public on November 26, 1942. The country was given one week to comply with the rationing. As of December 1, 1942, the average American was now only allowed between 3 and 8 gallons of gas per week. For many, this made it difficult to conduct life and business and continue to travel to church week in and week out.
In Aurora, OH, a local church devised a plan. They were going to start a church. On December 20th, 1942, the Church in Aurora started Geauga Lake Community Church in the Geauga Lake Country Club Clubhouse under the leadership of Rev. J.R. Hutchinson. That day a church was birthed that would eventually become New Life Church.
They continued to meet for the next few years in the clubhouse until they were able to purchase property and begin construction on a church.
On another late December day in 1950, a small church opened it's doors for the first time. The church continued to expand during this time in both numbers and facility. On July 11, 1976, the church voted to join the Assemblies of God under the leadership of Rev. L.A. Thompson.
At the dedication of the first building in Aurora, these words were the declaration of the church:
Our church meets for worship in this building, but the building is not the church. The church is in the hearts of its people… Our church is us, wherever we go; we are its ambassadors [and] its ministers...
The reality then and now is that our church exists to facilitate the worship of God and the progress of His message.
In 2015, God began to stir the heart of the church leaders toward a greater impact for the kingdom. The Vision for Transformation was launched in an effort to impact the community, the region, and the world. A significant part of that vision was the multiplication of the church into places and amongst peoples who do not have adequate access to enough vibrant churches.
In 2018, New Life set itself intently on that journey of multiplication. During that time, a sister church approached New Life about relaunching as a campus of the church. In late 2018, each church voted unanimously to proceed forward with launch of New Life Church – Stow. Also during this season, New Life took the significant step to prepare for the launch of a campus that would be embedded into the life of another campus that was specifically focused on reaching the Indian immigrant population in the Aurora area.
As we reflect upon all that the Lord has done in the past, we look forward to the future as we seek to impact new communities and unique people groups with the gospel of Jesus Christ.


text:
Su Cuenta de Ahorros
ESALIA AHORRO SALARIAL
Ahorradores
¿ QUIÉNES
SOMOS ?
LAS VENTAJAS DEL
AHORRO SALARIAL
LOS BUENOS
Todas las palabras específicas, explicarse simplemente.
Account keeper (also known in France as the Teneur de compte conservateur de parts or TCCP) (account keeper-unit custodian)
The account keeper is a company entrusted with managing savers' individual accounts. The company is accredited by the Comité des Établissements de Crédit et des Entreprises d'Investissement (French Committee of Credit Institutions and Investment Firms), on the opinion of the AMF. An FCPE's account keeper must be independent of the company responsible for its financial management. It receives unit subscription and redemption instructions, processes them and initiates the corresponding payments or settlements.
The account keeper-unit custodian is the company responsible, for all of the assets invested in an employee savings plan, for :
> administration : processing of employee payments, fund switching operations, withdrawals, etc.,
> communication : sending of account statements, telephone platform, online services, and so on.
The Autorité des Marchés Financiers (French Financial Markets Authority) is an independent public organisation responsible for :
ensuring the proper conducting of financial transactions and information quality;
defining the rules governing the markets, financial professionals and collective savings products;
overseeing the markets, for example through audits, investigations and penalties;
educating individuals and acting as their mediator.
To find out more see : www.amf-France.org
An option available when certain investments mature (such as PERPs - popular pension savings plans) that allows savers to recover their savings in the form of guaranteed, regular payments, starting from their retirement and continuing for the rest of their lives, whose amount is revised over time. When principal is converted into an annuity, it is surrendered to the insurer in return for the payment of the annuity. On the beneficiary's death, the payment of the annuity is stopped, unless special conditions have been agreed, for example stipulating payment to a spouse.
The asset allocation describes the dividing of a savings portfolio between various investment instruments (such as equities, bonds or money market instruments) according to a given risk profile. The goal of the allocation process is to increase the return on a portfolio while reducing its overall risk.
There are usually three main families of asset allocations: conservative allocations (the objective of this type of allocation is usually to limit the risk of losses), balanced allocations (representing a compromise between a high expected return and a relatively low risk) and dynamic allocations (intended to maximise the return in exchange for accepting a high level of risk).
An asset class is a category of transferable securities in which a UCITS invests and that partly dictates the category to which it belongs. The main asset classes include equities, bonds and money market instruments.
Source : Dictionnaire de la gestion collective – Gérard Blandin – SEFI Editions.
Asset management company : responsible for the financial management of FCPEs
Asset management companies are responsible for the administrative, accounting and financial management of FCPEs; they must be accredited by the AMF.
They are financial intermediaries tasked with :
Applying the management policies (and particularly investment choices) defined in the FCPE's rules,
Performing securities transactions (purchasing and sale of the equities, bonds and other instruments that make up the fund's portfolio).
Asset management companies are chosen by the companies setting up employee savings schemes. The asset management company creates the collective portfolio according to the FCPE's objective and policy. It may therefore buy, sell or exchange any of the securities contained in the portfolio, and make any reinvestments, on behalf of the fund; it may maintain the fund's cash allocation, within the limits imposed by the regulations, particularly to respond to redemption requests. In accordance with the provisions of article L. 233-7 of the French Commercial Code, it must declare any crossing of the threshold provided for by this article. Subject to the powers granted to the Supervisory Board, the asset management company acts on behalf of unitholders and represents them in dealings with third parties in connection with any actions or agreements affecting the fund. It produces the accounting documents and publishes the periodic information documents.
Availability (of savings)
The sums saved in PEEs (company savings plans) are available from the 5th year following each payment. The available savings therefore consist of the portion of the sums saved for more than 5 years, which may be withdrawn at any time. The sums saved in PERCOs (collective pension savings plans), on the other hand, become available on the date of the employee's retirement.
Basis point
A unit used to measure interest rates, which is equal to 0.01%.
Transferable securities representing a share in the debt issued by a company, a State or local authorities. Interest, whose rate is set in advance, is paid on bonds in return for a loan from the bond's buyer.
This Euro-denominated "share" index is representative of the top 40 French stocks by liquidity and market capitalisation. It is calculated by Euronext and available on datastream.
Capital gain or loss
The capital gain is the positive difference between the selling price of a security or an FCP unit, and its purchase price. If the difference is negative it is referred to as a capital loss.
Company mutual fund (FCPE)
Funds whose sole purpose is to collect the sums paid into employee savings plans. They are managed by asset management companies that have specific accreditation. They hold the transferable securities (equities, bonds, etc.) of which portfolios are composed. The price of their units changes according to the performance of the securities that make up the Fund.
The coupon is the interest paid to holders of a bond or a UCITS invested in bonds.
CSG – CRDS
The CSG (General Social Security Contribution) was introduced in 1991 as a tax to fund the social security system. The CRDS (Contribution for the Repayment of Social Debt), which was introduced in 1996, is a temporary tax earmarked for the CADES (Social Debt Repayment Fund). The CSG and the CRDS are payable by every individual who is tax resident in France. They apply to income from gainful employment and replacement income, as well as income from assets and fixed-income investment products subject to withholding tax or exempt from income tax.
The depositary is mainly responsible for checking the compliance of the management decisions made on behalf of the FCPE and for the safekeeping of the FCP's assets (i.e. its securities and cash).
It executes the purchase, exchange and sale orders for the securities contained in the portfolio and performs the checks required to allow the fund to exercise the rights attached to the securities held in the portfolio. It also handles the collections and payments generated by the fund's management.
Within six weeks of the end of each half year, the depositary checks the inventory of the fund's assets produced by the asset management company; it certifies the inventory of the fund's assets at year-end. It verifies the compliance of the transactions executed with the provisions of the mutual fund regulations. It must take all of the precautionary measures that it considers to be necessary. If a major dispute arises with the asset management company, it informs the AMF.
It also keeps the fund's issuer account. The depositary is a service provider responsible for the safekeeping of securities and for checking the compliance of the management decisions made on behalf of the UCITS. It may outsource part of its functions to another establishment able to act as an account keeper-custodian (and particularly the safekeeping of assets to a custodian), on a contractual basis. It cannot, however, outsource its responsibility for checking the compliance of the decisions made by the UCITS' asset management company.
The fraction of the profits made that a company pays out to each of its shareholders. The dividend amount is suggested by the board of directors and approved by the general meeting. Dividends are usually paid in cash, but the company may also offer payment in shares.
Dynamic management
An investment strategy based on high sensitivity to risk (portfolio composed of at least 75% equities).
Early release (cases of)
Cases of early release are specific cases, linked to employees' personal circumstances, in which the sums paid into an employee savings plan may be recovered early, without the loss of any tax or social security advantages.
The role of the European Central Bank, which was founded in June 1998, is principally to manage the single currency (the Euro) and to define and implement the economic and monetary policy of the Economic and Monetary Union (EMU). The ECB, in cooperation with the Euro system (the EMU's 12 Central Banks), performs its monetary policy duties by manipulating the eurozone's refinancing or policy rate.
This term refers to the financial market in an economy that is rapidly developing, but whose development is not free from risks and imbalances. Emerging stock markets may offer potentially high returns and be highly volatile. Investors must beware of possible local currency controls and restrictions on the repatriation of investments. It is preferable to invest in such markets through specialised UCITSs.
Employer matching contribution
A payment made by an employer into a company savings plan (PEE or PERCO) to top up employees' payments.
Employee Savings Plan
Savings schemes set up by companies to help their employees to build up savings securely and with a good rate of return, through contributions by the company ("employer matching contribution") and tax and social security advantages.
In collective management terms, this refers to a UCITS' investment in a particular asset class (such as equities, bonds or money market instruments), which dictates the market and/or foreign exchange risks for unitholders.
Source : Dictionnaire de la Gestion Collective - Éditions SEFI
See Mutual fund
See Company Mutual Fund
Feeder UCITS
A feeder UCITS is an undertaking whose assets are entirely and permanently invested in equities or the units of a single, master UCITS, in forward financial instruments and, on an ancillary basis, in cash.
In this context, the master UCITS is either a general-purpose investment vehicle, such as a SICAV or an FCP, which may or may not be an umbrella fund; an FCPR (venture capital mutual fund), an FCPI (innovation-focused mutual fund) or an FCIMT; or a simplified investment vehicle.
Professionals who sell or buy securities on the financial market on behalf of investors. They include banks, investment firms and online brokers.
Financial intermediation is referred to when the financial world is interposed between seekers and providers of capital, in other words when financial intermediaries buy securities issued by companies and, to finance themselves, issue securities in their turn that are placed with savers, or collect funds in the form of deposits or passbooks (known as indirect finance). Financial intermediation is therefore very different from the simple role played by the financial intermediary in a direct finance context.
Flat-rate withholding tax
The flat-rate tax that a taxpayer may opt for before receiving income. They are otherwise subject to the progressive income tax scale.
Fund of funds
A SICAV, FCP or FCPE that invests in other SICAVs or FCPs rather than directly investing in equities or bonds.
Fund-shifting operation
See "Fund shifting"
Fund switching
Fund switching refers to the redistribution of savings between different investment vehicles within the same savings plan (contrary to a transfer, which involves the moving of all or part of the saver's savings from one savings plan to another). This type of operation is used, for example, to boost savings by allocating a larger share of assets to vehicles invested in equities or, conversely, to reduce the risk exposure by refocusing the portfolio on less risky vehicles, invested in bonds or money market instruments.
Fund-switching fees
Fees charged when certain sums are reallocated between different investment vehicles within the same employee savings plan.
A type of voluntary employee savings scheme that gives employees a financial stake in their company's performance. Incentive plan payments may be made directly into employees' bank accounts, in which case they are subject to income tax. They may also be paid into a PEE or PERCO and are in this case exempt from tax.
Index-linked management
A fund management technique that consists of achieving a performance that is as close as possible to that of an index appropriate to the management objective. For example, the index-linked management of US equities would involve achieving a performance that was as close as possible to that recorded by the S&P 500 or the Dow Jones index. In index-linked management, a commonly adopted strategy is to hold the assets that make up the index in the exact same proportion as in the index.
A complex monetary phenomenon whose cause, according to monetarist economists, is a faster rise in the money supply than in the Gross Domestic Product (GDP). It is measured through an index of products representative of the change in wholesale and retail prices. It has a direct influence on interest rates and therefore on the behaviour of the financial markets. These may undergo major corrections following inflationary tensions resulting in an interest rate hike.
Source : Dictionnaire de la Bourse et des termes financiers – SEFI Editions.
This risk is related to the volatility of interest rates on the financial markets. A UCITS (and therefore the UCITS' unitholders) is exposed to an interest rate risk if it holds investments in bonds or debt securities.
Source : Dictionnaire de la Gestion Collective - Editions SEFI
Investment horizon
Period for which an investor wishes to invest their funds on the financial markets. The investment strategy is developed based on this parameter (and the level of risk acceptance).
Source : Dictionnaire de la Bourse et des termes financiers - SEFI Editions.
Management and operating fees
Fees paid as remuneration for asset management and to cover the fees borne by the FCPE, including for custody, distribution and meetings of the supervisory board, and the statutory auditor's fees. They are calculated as a percentage of the assets and may be paid by the FCPE or the company.
The market value of a company, arrived at by multiplying the number of the company's shares by their quoted market price.
Merger/acquisition (of a fund)
A merger is an operation whereby one or more funds combine to form a single fund. Merger/acquisitions are the most common form of merger. After a merger/acquisition, the acquiring fund still exists, while the acquired fund is no longer in existence and all of its assets and liabilities are taken over by the acquiring fund.
In this last case, the saver's assets are automatically transferred from the acquired fund to the acquiring fund and they receive a new number of acquiring fund units in exchange for their old units, which is calculated as follows : Number of units held in the acquired fund x Value of an acquired fund unit on the merger date / Value of an acquiring fund unit on the merger date.
Multi-Company Fund (FME)
An FCPE set up for the benefit of employees who do not belong to the same group of companies.
Mutual fund (FCP)
A portfolio of transferable securities that is jointly owned by unitholders. Mutual funds are managed by asset management companies and are usually offered by financial institutions, banks and insurance companies.
Net Asset Value (or NAV)
The net asset value of a fund on a given date is the known value of its assets on this date, divided by the number of units in issue. Fund unit subscriptions and redemptions (reimbursements) are carried out on this basis.
Obligations Assimilables du Trésor (French government bonds). These securities are bonds issued by the State that are tradable on the financial markets. The investment period for these bonds is known from the start and the repayment of the principal is guaranteed at maturity.
Passive management
A management method that consists of trying to replicate the performance of a stock market index (e.g. the CAC 40, the Dow Jones or the S&P 500) as faithfully as possible by putting together a portfolio that reproduces the target market index on a smaller scale. The management process may be automatic and automated and may not involve a manager monitoring whether the securities contained in the portfolio are undervalued or overvalued.
Performance (annualised, rolling, calendar and aggregate)
The performance of an investment vehicle is expressed as the percentage by which it has changed over a given period.
The annualised performance is arrived at by converting the performance obtained over a period of more than one year into its annual equivalent. For example, a performance of 10% over 2 years is equivalent to an annualised performance of 4.88%.
The rolling performance is calculated from date to date for a given period ending at the calculation date (e.g. the rolling one-year performance, calculated on 20 October, is the performance over the past year from 20 October of the previous year).
The calendar performance is calculated from 1 January to 31 December. It can therefore only be calculated for a previous year that has already ended.
The aggregate performance is the total performance of a fund from a given date, without taking into account the time elapsed since this date.
Plafond Annuel de la Sécurité Sociale or Pass (Annual Social Security Ceiling)
The Pass is provided for by article L.241-3 of the French Social Security Code. It is used to calculate social security contributions, according to the general change in wages, under conditions laid down by decree. The amount is determined by the Minister for Social Security at least once a year.
Plan d'Épargne d'Entreprise or PEE (Company Savings Plan)
A collective savings scheme allowing employees to build up personal savings, with their company's help, within an advantageous financial and tax framework, subject to a 5-year lockup period (except in cases of early release).
Plan d'Epargne Groupe or PEG (Group Savings Plan)
A collective savings scheme that allows employees of a group of companies to build up savings invested in transferable securities, within an advantageous tax framework, subject to a lockup period for these savings, usually of 5 years.
Source : AMF - Autorité des Marchés Financiers (French Financial Market Authority).
Plan d'Epargne Interentreprises or PEI (Inter-company Savings Plan)
A collective savings scheme set up by agreement within several companies, covering a specific occupational sector or geographic area. PEIs have a two-fold objective: giving very small companies and SMEs easier access to company savings plans, and sharing the costs connected with such a scheme.
Plan d'Épargne pour la Retraite COllectif or PERCO (Collective Pension Savings Plan)
A collective scheme for pension savings that benefits from an advantageous tax framework.
All of the transferable securities held by a SICAV, FCP or FCPE.
Profit-sharing
A mandatory scheme in companies with more than 50 employees that consists of paying a share of the profits made to employees.
Redemption (= reimbursement, = withdrawal)
Recovery by an employee of all or part of their savings.
Reference index (benchmark)
This indicates the type(s) of asset in which a fund will invest, and their proportions. It is composed of a large basket of transferable securities, usually in the form of a stock market index or a combination of indices (e.g. a fund whose index is 50% MSCI Europe + 50% MSCI World excluding Europe will invest 50% of its assets in European companies and 50% in non-European companies).
An FCPE subject to index-linked management strictly follows the composition of its reference index or benchmark; if the management is "benchmarked", the manager has a margin for error in relation to the fund's benchmark (see tracking error). This benchmark is also used to compare the performance of funds whose investment universes are similar.
The financial institution that manages the accounting recognition of the funds paid into and withdrawn from an FCPE by employees or the company.
Réserve Spéciale de Participation or RSP (Special Profit-sharing Reserve)
See Profit-sharing.
Risk aversion (level of)
An indicator of a saver's behaviour in terms of the level of return that they expect and the risk of loss that they are willing to bear when they choose their investment product.
The level of risk aversion can be measured using tools that determine the risk profile of each individual. A saver may therefore accept a low expected return if they refuse to bear any risk of loss (this would be a Conservative saver), accept a moderate risk of loss in exchange for a higher expected return (a Balanced saver), or be willing to suffer large losses in the hope of making equally large returns (a Dynamic saver).
The choice of investment product is based not only on the saver's profile, but also on the investment period; the longer the savings period, the lower the investment risk.
Risk-profiled funds
Funds put together with the objective of maintaining a stable risk exposure over time. The weighting of the various types of asset (such as equities, bonds and money market instruments) differs according to the type of profile chosen. There are usually three types of profile : conservative, balanced and dynamic :
Dynamic funds are mainly invested in risky assets with a high potential return. They are suited to savers who wish to invest over the long term or who are willing to accept a high exposure to risk.
Balanced funds are half invested in fairly safe assets, which stabilise the portfolio, while the other half is invested in more dynamic assets, whose role is to boost the return. They are suited to savers who wish to invest over the medium term or who are willing to accept a moderate exposure to risk.
Conservative funds are mainly invested in low risk assets with a limited potential return. They are suited to savers who wish to invest over the short term or who are willing to accept a low exposure to risk.
Safe management
An investment strategy based on a low sensitivity to risk (e.g. money market funds).
Generic term denoting all transferable securities, such as equities, bonds and UCITSs.
An indicator used to measure the percentage by which a 1% change in market interest rates would change the price of a bond or the net asset value of a bond Fund. A sensitivity of 3 means that, if interest rates changed by 1%, the fund's net asset value would change by 3%. A Fund's exposure to interest rate risk can therefore be assessed using this concept.
A transferable security representing a share in a company's equity. The purchase of shares by investors entitles them to a percentage of the company's profits (in the form of dividends) and a right to vote at general meetings.
Social security charges
The charges imposed on income from gainful employment and replacement income, as well as income from assets and investments. These charges include the CSG, the CRDS and additional contributions.
Social security contributions
See CSG-CRDS
Socially Conscious Companies
Companies accredited by the administrative authorities, whose shares are not listed on a regulated market and that either employ staff under State-subsidised contracts or as part of professional integration programmes, or are entities whose directors are elected by their members and that meet certain director and employee pay rules.
Socially responsible management
A type of management applied to UCITSs. As well as looking at financial characteristics, the manager takes social and environmental parameters into account (see the detailed case studies on the website).
Société d'Investissement à Capital Variable or SICAV (Open-ended Investment Company)
A company that issues shares and manages a portfolio of transferable securities for all of its Shareholders.
Statutory auditor
The statutory auditor is granted a six-year term by the asset management company's board of directors, subject to the AMF's approval. It carries out the checks and audits required by law and, where necessary, certifies the accuracy of the information published, and the fairness and compliance of the financial statements and accounting information contained in the fund's annual report. It informs the asset management company and the AMF of any anomalies or inaccuracies that it finds during its audits. The statutory auditor's fees are published in the fund's annual report. If the fund is a feeder FCPE, the statutory auditor will have concluded an information exchange agreement with the master UCITS' statutory auditor (see article 412-3 of the AMF's general regulations).
Baskets of national or international, general or sectoral listed securities, used as instruments to capitalise on the performance of the equities or bonds of which they are composed. They may form the basis of complex hedging or asset management products.
Source : Dictionnaire de la Bourse et des termes financiers - 5ème édition – SEFI Editions.
Each FCPE has a Supervisory Board, made up of representatives of the company and unitholder employees. The Board is chaired by an employee representative. The FCPE's rules set out the procedure for designating the representatives of the company's unitholders :
> either by election,
> or by decision made by the relevant work councils or union organisations.
The Supervisory Board meets once a year to examine the FCPE's management report and annual financial statements. It exercises the voting rights attached to the securities held by the FCPE. One or more authorised representatives of the FCPE are therefore designated to represent it at the issuing companies' general meetings. The Board may present resolutions at general meetings. Where appropriate, it approves changes to the FCPE's rules. The Supervisory Board is responsible for :
> giving its opinion on significant changes to the fund's rules (management policy, identity of the manager, etc.), where appropriate,
> examining the FCPE's financial statements and annual management report,
> exercising the voting rights attached to the securities held by the fund or authorising the asset management company to exercise these voting rights.
The Supervisory Board is tasked particularly with examining the FCPE's financial, administrative and accounting management. It may ask to interview the fund's asset management company, depositary and statutory auditor, which must obey its summons. It decides on mergers, demergers and liquidations. The fund's rules specify the changes and amendments to the rules that cannot be decided on without the Supervisory Board's approval. Without prejudice to the powers of the asset management company referred to in article L. 214-25, and the liquidator's powers referred to in article L. 214-31, the Supervisory Board may take legal action to defend or assert unitholders' rights or interests.
Meeting minutes will be produced in the name of each of the funds covered by the meeting or by the Supervisory Board's decisions. The Supervisory Board approves an annual report made available to every unitholder and whose content is stipulated by rules set out by the AMF.
This type of bid, for the whole of a company's equity, is triggered when a shareholder acquires more than one third of the voting rights. The bid is made in cash and is much higher than the quoted market price. A competitor may perhaps make a counter bid. The target company may also respond with a measure to defend itself against takeover bids.
Source : Dictionnaire de la Bourse et des termes financiers - 4ème édition - SEFI Éditions.
Tax credits were discontinued on 1 January 2005. They were intended to prevent the double taxation of the profits paid out by companies through dividends. For individual shareholders they were equal to 50% of the net dividend amount. 50% was added to the amount taxed and then deducted from the tax due. If there was a surplus, in other words if the tax credit was higher than the tax due, the surplus was refunded.
Transfers consist of moving all or part of your savings from one plan to another (whereas fund shifting consists of adjusting the savings' distribution within the same plan). They allow you to invest in a plan that is more in keeping with your objectives without having to make another payment and/or diversify your portfolio through investment vehicles that are only available in the new plan.
Transferable security
A generic term for a negotiable security issued by a company or a public authority that can be quoted or traded on the stock market. The two main categories of transferable securities are equities and bonds.
Undertaking for Collective Investment in Transferable Securities (UCITS)
A savings product that gives investors a stake in a collective portfolio invested in transferable securities. They are managed by professionals and may be SICAVs or FCPs.
Valuator
The valuator takes care of an FCPE's administrative and accounting management. They ensure the accounting treatment of all of the transactions carried out on the FCPE by its manager and calculate its net asset value, as often as stipulated by the fund's rules. If the valuator is not an internal department within the asset management company, it is a company that values the portfolios of one or more asset management companies on a daily basis. This portfolio valuation process assumes the valuation of each line in the portfolio and therefore precise knowledge of the positions taken. For this reason, the valuator is also required to regularly match the positions shown in their computer system with the positions held in an account opened with the depositary.
An indicator of the scope and size of the rise or fall in the value of a security or a Fund relative to its average value. In other words, volatility measures the instability, and therefore the risk, associated with a financial asset. In mathematical terms, this involves calculating the standard deviation of the changes in the Fund's performance. The higher a UCITS' volatility, the riskier it is considered to be.
Voluntary payments
Payments made by an employee into their employee savings plan(s) (PEE or PERCO). The total annual voluntary payments made are capped at a quarter of the employee's gross annual salary, possibly after the deduction of the incentive plan payments invested by the employee.
Weighted average acquisition price
The weighted average acquisition price is used to calculate the capital gain made by FCPE unitholders when they redeem their assets.
Yield curve
This curve expresses the difference in cash compensation according to the maturity date of investments. Its slope is usually positive, because, as a rule, short-term yields are lower than long-term yields, except if the yield curve has been inverted.
These definitions have been provided for information purposes only. Societe Generale cannot be held liable for them under any circumstances.
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ferrous metals alloys of iron and steel
CH5.pdf - Chapter 5 Ferrous Metals and Alloys Production
Ferrous metals & alloys are very useful Because, Low cost, wide range of Mech. Phys. Chem. Many types with iron based, cheapest is carbon steel about 60% of cars(1200kg) FIGURE 5.1 Schematic illustration of a blast furnace. Disadvantages And Disadvantages Of Ferrous Metals iplFerrous Metals These are metals that consist out of iron or consist mostly out of iron. Ferrous metals are also known as "Ferro" metals. The term Ferrous is adapted from the Latin word ferrum which means "containing metal". These metals have small amounts of other metals added to them to give them certain properties. Uses Mild steel is used
Ferrous Metal - an overview ScienceDirect Topics
Ferrous materials containing iron, and steel is the most important material of this family. Because of availability, low cost, high strength, ease of fabrication into many shapes, and a wide range of properties, steel accounts for 80% of all metallic materials. It is widely used in manufacturing, building and construction industries. Ferrous Metals; Its Types, Uses, Properties [Complete Guide]The ferrous metals includes all the types of Iron, Steel, and their alloys. In the present, their role in the engineering industries can be easily described as most dominating. In all the jobs ranging from the manufacture of a primitive type of agricultural implements to advanced types of Air Crafts, ferrous metals and their alloys occupy Ferrous and Non-Ferrous Material Overview All Metals The metallurgy of iron and steel is a study of how these atomic rearrangements take place, how they can be controlled, and which properties are affected. Chapters on Ferrous Metals. Carbon Steel Alloy Steel Stainless Steel Tool Steel HSLA Steel Steels for strength Iron-based superalloys. Non-Ferrous Metals
Ferrous or Non-Ferrous Metals - Engineered Mechanical
Jul 23, 2019 · As a rule, a ferrous metal which consists of iron and one or more other metals to create an alloy is meant to enhance or mitigate one of the above properties of iron. Stainless steel, for example, uses chromium to fight back against corrosion. Common Types of Ferrous Metals Ferrous vs. Non-Ferrous Metals - What's the Difference Jul 26, 2016 · Non-Ferrous Metals Non-ferrous metals have been used since the Copper Age, around 5,000 B.C. Since non-ferrous metals dont contain iron, theyre usually more corrosion-resistant than ferrous metals. Some examples of non-ferrous metals are aluminum, aluminum alloys, and copper, which are often used in industrial applications such as gutters Guide to Steel and Stainless Steel:Descriptions, Types Steel alloys and steel are ferrous metals, meaning they contain iron, making it an iron alloy. Ferrous metals are strong and durable, which is why steel is used in construction. The color of steel is blue-gray. Steel contains carbon in any amount up to about 1.7%.
High-grade iron ore, ferrous scrap among key trends to
Feb 17, 2021 · High-grade iron ore, ferrous scrap among key trends to watch - BHP Mining giant BHP has listed high-grade iron ore and ferrous scrap as among the key future trends that will set the tone for the global steelmaking industry in its economic outlook released on Tuesday February 16. High-grade iron ore, ferrous scrap among key trends to Feb 17, 2021 · High-grade iron ore, ferrous scrap among key trends to watch - BHP Mining giant BHP has listed high-grade iron ore and ferrous scrap as among the key future trends that will set the tone for the global steelmaking industry in its economic outlook released on Tuesday February 16. The Advantages And Disadvantages Of Ferrous Metals Metal:Ferrous:contain iron; with iron as the odd one out, all the rest have the word 'Steel ' in them. For instance - stainless steel, mild steel and high carbon steel. Non-Ferrous:do not contain iron, good examples of Non- Ferrous metals are aluminium, copper, brass, tin and zinc Alloys:most metals are mixed with other metals to improve
What are Advantages and Disadvantages of Ferrous Metals
Ferrous alloys, those in which iron is the principal constituent, include steel and pig iron (with a carbon content of a few percent) and alloys of iron with other metals (such as stainless steel). Ferrous alloys are known for their strength. Alloys are usually stronger than pure metals, although they generally offer reduced electrical and What are Advantages and Disadvantages of Ferrous Metals Ferrous alloys, those in which iron is the principal constituent, include steel and pig iron (with a carbon content of a few percent) and alloys of iron with other metals (such as stainless steel). Ferrous alloys are known for their strength. Alloys are usually stronger than pure metals, although they generally offer reduced electrical and What Are Ferrous Alloys? MetalTekNov 23, 2020 · Ferrous alloys or metals are metals that consist mostly of iron (Fe). Steel is an iron-based alloy containing typically less than 1% carbon, where iron frequently contains 2% or more carbon. Iron and steel are widely available, strong, cheap, and can be shaped by casting. Ferrous alloy properties can be improved by heat treating and, in the case of steels, by working (i.e. rolling or forging).
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Steel wire hot-dip galvanizing continuous line
Steel wire electro-galvanizing continuous line
Steel wire heat trea tment continuous line
steel wire oil quenching continuous line
Steel wire heat treatment furnace
Pay-off & take-up units
Foreign supplies of the spread of the epidemic may be stored until they are carefully sorted out
At present, due to the international epidemic and economic uncertainty, the industry on the supply side of iron ore concerns ensued. Of national sealing the news that China, as a demand for iron ore power its industry concern about iron ore supply is aggravating, but according to iron ore in the past two weeks are the trends of the international market, the international iron ore market, especially the supply situation, or will be better than expected, even in the late iron ore port or there will be a tired library.
As a result of the global lockdown, production at iron mines in individual countries may be reduced to contain the spread of the coronavirus. Currently in the transocean market, it is estimated that the global production of about 18 million tons of iron ore may be interrupted, but for the main iron ore producing and exporting countries, Brazil, Australia, India, South Africa and other markets, the impact is not very big.
Brazil: the Brazilian government has declared mining a "necessary" industry in the country to keep its mining operations running during the novel coronavirus outbreak. The federal government believes that mining activities cannot be stopped even if local governments take measures to ban commercial activities and the movement of people, because mining is of vital importance to the country. In addition, the decree, signed by Brazil's energy and mining minister bento Albuquerque, requires that mining activities, including mining-related research, transportation and the sale of minerals, not be halted. The government's decision is important for mining companies, which fear workers and supplies of materials will not be able to reach the site.
So far, most of Brazil's mines are operating normally. However, in order to prevent the spread of the epidemic, some local governments have imposed restrictions on the movement of people and the passage of vehicles. The impact of the outbreak on local iron mine operations in Brazil is limited because Brazilian iron ore shipments to China have not been disrupted and Brazilian iron ore production has remained stable. Currently, the wet dressing plant at the vale Brucutu mine is dressing at a 40% capacity utilization rate, and it is also filtering some of the tailings from the Norte/Laranjeiras dam, which was rated as a level 1 risk (lowest risk level) on 2 December 2019. In order to increase the capacity utilization rate of the wet dressing plant at the Brucutu mine to 80%, Vale plans to use tailings treatment alternatives in the near future, i.e., optimized Sul DAMS to process the Norte/Laranjeiras tailings, prior to testing the geological performance of Sul DAMS and the operations team. It can be seen from Brazil's decision to actively deal with tailings that there is a potential international demand for iron ore at present and there is no strong control over the export of iron ore in Brazil.
In addition, there has been no news from Brazil of any local restrictions on iron ore exports, and Vale has benefited in recent days from the low interest rates of the Brazilian real against the dollar, since most of its revenues are in foreign currencies. As Brazil may enter the winter, the uncertainty of the epidemic will make the local economy very fragile, which may lead to an unexpected decline in domestic demand and domestic trade in Brazil. Brazil's government may try to ensure that iron ore exports benefit as much as possible because of internal instability in places such as Brazil.
Australia: the closure of individual iron mines in Canada and South Africa due to the coronavirus outbreak could boost local iron ore production in Australia, such as FMG. The reason is that iron ore operations in Australia have continued at normal levels after control bans were announced in parts of South Africa and Canada. FMG had previously said that because most of its workforce was based in western Australia, it would not be affected by travel bans and self-quarantine clauses that exempt mining workers. In addition, FMG had previously said it would not cut its annual target for shipments. At present, Australia's major iron mines are operating normally and are not affected by any disruption to iron ore production, labor shortages or iron ore exports.
India: for now, iron ore production in India's largest iron ore producing state, orissa, is unlikely to be affected by the shutdown to stop the spread of the coronavirus. Umesh Chandra Jena, co-director of the local mining industry, said the state produced 120 million tons of iron ore in the year to March 2019-20, up slightly from 118 million tons the previous year. In addition, the local government expects iron ore production to reach about 120 million tons in 2020/21. Production in orissa is expected to fall by more than 20% in fy20-21 as the coronavirus outbreak reduces local demand, yet India's steel mills are producing only about 60% or less of what their Indian counterparts normally do. In the case of the imbalance of iron ore supply and demand in India, the Indian government may introduce some measures to protect the economic interests of Indian miners.
South Africa: the local government of South Africa may give the green light to mining companies, foreign media said. ARM said on Thursday that it had received a green light from South African authorities to load iron ore into stocks at the joint venture mine in spite of the 21-day national coronavirus lockdown. The diversified mining company has now been authorised by the ministry of mines to operate its shipping stations at the Khumani and Beeshoek mines and to allocate iron ore from the mines' respective inventories. The move is likely to be part of South Africa's effort to keep the local economy and markets as stable as possible, but it seems likely that South African mining production will remain stable. In addition, South Africa's largest iron ore shipping port, saldanha port, has resumed operations at 7 am local time on March 30.
To sum up, the impact of the current epidemic on the global iron ore supply chain may be small, but it needs to be taken into account that in terms of iron ore demand, since the current epidemic in China is effectively controlled, the resumption of work and production of steel mills across the country is proceeding in an orderly manner. However, affected by the worsening international epidemic, the demand for iron ore in all countries except China will continue to decrease significantly under the circumstances of overall economic weakness, traffic control and shutdown of steel mills. Therefore, the global iron ore market may see an oversupply phenomenon in the later stage.
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These cover a wide range of topics. The only common thread is that they seem to be the most popular posts and pages, in some cases because of the writing, and in other cases because of the content. Although sometimes both writing and content strike a chord, I've categorized them by where I think most interest lies.
I've also put together a list of links to posts on training my third service dog, Barnum.


Super CAS card , you really get our vision of what makes a CAS card. Thanks so much for Guest Designing with us at AAA Cards.
What a beautiful card! Love the design! So CAS and elegant! Thanks for being our GD over at AAA Cards!
Beautiful! Thank you for entering your wonderful creation at The Crafter's Cafe this fortnight for our "Embossing" challenge.
Congratulations on the Guest designer spot! That is a lovely embossed piece. We are glad you joined us this time for the "embossing" challenge at the Crafter's Cafe.
What a gorgeous CAS design and I love the added sparkle.
Thanks for sharing with us at ATSM and I hope you have a very Happy Christmas.
Such a lovely take on our challenge. So glad you joined us at a GD for our Sparkle challenge.
Great design – the charm looks great. Thank you for joining us at Inkspirational Challenges.