From December 2018 through March 2019, Crisis (IPC Phase 3) food security outcomes are expected to prevail in typical cereal-deficit areas. This will mainly be due to depleted own-produced food stocks, constrained livelihoods, as well as high food prices. Stressed (IPC Phase 2) outcomes will be expected in the northern and other surplus production areas. Due to the late start of rains and planting, the 2019 harvest is likely to be delayed. As a result, Crisis (IPC Phase 3) outcomes are expected to continue into April and May in typical cereal-deficit areas.
Economic challenges are expected to continue during the outlook period and will have direct and indirect impacts on livelihoods and food security. Shortages of foreign currency on formal markets will remain as one of the main drivers of the parallel market for foreign currency, despite some government measures to curb it. Shortages of most basic food commodities like cooking oil, sugar, wheat flour, and bread on the formal markets began in October and continue, especially in remote areas.
The start of the 2018-19 rainfall season has been delayed and rains have been erratic so far. This has adversely affected on-farm activities such as land preparation, planting and casual labor opportunities which are below typical levels for this time of the year. Other factors that will adversely impact crop and livestock production in 2019 include access to inputs, the presence of Fall Armyworm, other livestock and crop diseases, as well as increasing market uncertainties.
The start of the 2018-19 rainfall season has been delayed and rains have been erratic so far. Rainfall levels across most of the country are below the normal long-term average. This has adversely affected on-farm activities such as land preparation, planting and casual labor opportunities which are below typical levels for this time of the year. Areas in the southern and western parts of the country, covering parts of Masvingo, Matabeleland North and South, are worst affected because they have received insignificant rains to date. The dryness is also affecting water and pasture conditions that are especially poor in arid areas of the country.
This season there is also a critical shortage of fertilizers and other chemicals and crop inputs. Normally, local manufacturing companies and importers provide these supplies but have been facing difficulties in meeting demand and sustaining operations because of the ongoing liquidity crisis in the country. Since October, the prices of seed, fertilizer, and other chemicals have increased significantly (in some cases by over 200 percent), adversely affecting access by poor households. The crop input assistance scheme that is implemented by the government is reported to be facing resource challenges.
Whereas the condition of small stock is good to fair across most areas, cattle conditions are deteriorating in typical arid areas that have received insignificant rains so far. This is compounded by a high and increasing prevalence of livestock diseases including anthrax, foot and mouth, tick-borne, and January (Theileriosis) disease. The prices for supplementary feeding and livestock drugs have increased substantially as well, and some drugs are unavailable on the markets. It is reported that some outlets are only accepting payment in US Dollars. Cattle deaths are being reported in some parts of the country and are affecting draught power and household incomes.
The Grain Marketing Board (GMB) is reported to be holding 1.18 million MT of maize grain and 136,000 MT of small grain stocks for the government (as of early December). The GMB has been buying maize and small grains at $390/MT from farmers. A standing policy prohibits private buyers and millers from purchasing maize directly from farmers. In a bid by the government to control maize meal prices, the GMB is selling subsidized maize ($240-270/MT) to private millers. Most GMB depots are selling maize grain, small grains and Silo brand maize meal, especially in the cereal-deficit parts of the country. In some informal markets (even in maize surplus areas), maize is not readily available due to the below normal 2017-18 harvests. Some farmers with surplus stocks continue to withhold their grain from markets because of the delayed start to the 2018-19 season, erratic rains and the forecast for poor rains this season. Informal markets in maize deficit areas (in the south, west, and extreme north) do not have maize or small grains, but do have access to a variety of brands of maize meal. Some markets located in the southern parts of the country are importing maize meal from South Africa and Botswana because these imported brands are cheaper in comparison to local maize meal brands.
For November, average maize grain prices across FEWS NET sentinel markets increased 18 percent since the previous month. Average November prices were about 76 percent higher in comparison to the same time last year and about 39 percent above the five-year average. Maize meal prices for November also increased about 19 percent since the previous month. Average maize meal prices were about 53 percent higher in comparison to the same time last year and about 23 percent above the five-year average. Cereal prices are increasing due to the seasonal increase in demand and the macroeconomic environment., Increases in maize meal prices since October are due to the increased costs associated with packing materials.
Zimbabwe is experiencing deep economic challenges that have direct and indirect impacts on livelihoods and food security. Critical foreign currency shortages continue, affecting almost every sector of the economy. The parallel market for foreign currency persists despite some government measures to curb it. Although the official exchange rate remains at 1:1 with the bond note, the US Dollar is trading at over 300 percent against the local bond note, Real Time Gross Settlement (RTGS), and mobile money transfers.
The economy is characterized by widespread increases in the prices of food and non-food commodities alike. Since the introduction of new tax and currency measures in October, most commodity prices have more than doubled. These measures also spurred speculative pricing in the economy. Most goods and services are increasingly being charged in scarce US Dollars or at highly inflated parallel market prices in bond notes, RTGS, or mobile transfers, making them inaccessible to a large section of the population. Most local and international independent analysts report much higher inflation rates.
At the same time, shortages of most basic food commodities like cooking oil, sugar, wheat flour, and bread on the formal markets began in October and continue, especially in remote areas. In late October the government lifted an import ban that was initially imposed in 2016 in order to protect local production and industry. Since the lifting of this ban, there has been increased cross-border activity and inward flow of supplies including cooking oil, wheat flour, rice, and washing soap.
To further compound the economic situation, currency shortages continue to drive nationwide shortages in fuels, including diesel, petrol, paraffin, and cooking gas and prices for these fuels have increased. These shortages and high prices are adversely affecting industries and the general population. Local and long-distance transport fares have doubled for most routes since October. As of December 1st, the government increased the duty for diesel and petrol. Increased transport costs is one of the drivers of the ongoing price increases for commodities and services across the country.
Humanitarian assistance started in October in a few districts and coverage is still low in targeted districts, while the population in need of assistance continues to increase. As a result, there is a general extension of typical livelihood strategies and some are coping by selling essential household and productive assets. As the peak of the lean season approaches, most households in surplus- and deficit-production areas have exhausted their own produced food stocks. Seasonal livelihood activities remain constrained due to ongoing economic difficulties and the poor start to the 2018-19 rainfall and production season. For most poor households, purchasing power has been severely eroded by high and increasing prices. On-farm casual labor opportunities and labor rates are below normal. In-kind payments for labor or services are lower than typical due to high prices and shortages of basic commodities. Levels of domestic remittances, petty trading, gardening, construction, self-employment and other livelihood activities are also lower than usual. Most poor households are consuming a maximum of two basic meals a day, comprised mainly of cereal and sometimes vegetables. Some households are only consuming one meal a day and this is being supplemented with wild and other less preferred foods.
Humanitarian Assistance: In October, the WFP and partners reached approximately 184,000 beneficiaries in 10 districts (Kariba, Binga, Umguza, Buhera, Chiredzi, Mwenezi, Masvingo, Bikita, Rushinga and Mudzi). For December, operations are targeting about 234,000 people in 11 districts (the districts listed above and Tsholotsho District). During the peak of the lean season, January-March 2019, plans are in place to scale up to approximately 1.1 million people in 30 districts. The ration basket is comprised of 7.5 kg cereal, 1.5 kg pulses, and 0.75 kg vegetable oil. The WFP has reported that all cash-based transfers will now be in physical US Dollar notes in order to maintain assistance value given the volatile economic environment. The government plans to provide assistance in all 60 rural districts. The monthly distributions by the government typically consist of 50 kg of maize grain to each household. Households will be responsible for paying for transport costs from GMB depots due to budgetary constraints.
National cereal availability: Based on the August 2018 Southern Africa Regional Supply and Market Outlook Report, FEWS NET anticipates that the national maize deficit for Zimbabwe will be below-average for the 2018-19 marketing season through March 2019. The country is expected to be around 77 percent maize self-sufficient. This is attributed to above-average (5 percent) annual national supplies following above-average carryover stocks and average production from the 2017-18 production season. Formal imports may be expected to fill part of the cereal gap, but at below normal levels because of the continuation of the maize import ban. Since the GMB is holding a significant proportion of the maize, market supplies on the informal markets even in surplus-producing areas are expected to remain lower than normal as are flows to deficit areas.
Seasonal rainfall forecast: The latest international climate forecasts indicate that during the December 2018 to March 2019 period, Zimbabwe is most likely to receive below-average seasonal rainfall. This forecast has changed since the initial forecast in August, but the Southern African Regional Climate Outlook Forum (SARCOF) and Zimbabwe's National Climate Outlook Forum (NACOF) still maintain the earlier seasonal forecast or normal to below-normal rainfall. The season is also likely to experience a slow start of rains, with high chances of mid-season dry spells and an early cessation of rains. These will likely reduce cropped area across most parts for the country and impact on yield levels.
Availability of and access to inputs: Limited access to crop inputs will remain a key production challenge for poor farmers during the 2018-19 production season. Through the Presidential Crop Input Scheme the government plans to reach approximately 1.63 million small-holder households. However, due to prevailing economic challenges and inadequate resources, the government may face challenges to reach the targeted population and meet the demand of the input packages. As well, price increases of crop inputs such as seed, fertilizers and chemicals experienced ahead of the production season are likely to continue, or at least prices will remain high. There is a short supply of inputs like fertilizers as manufacturing companies struggle with foreign currency shortages to import raw materials. Prices on the black market are way beyond reach of poor households.
Fall Armyworm: Recent multiagency coordination meetings reiterated that Fall Armyworm (FAW) will remain a key production hazard for the 2018-19 cropping season despite ongoing awareness and training activities for extension workers and farmers. The ZIMVAC reported that the proportion of households affected by FAW during the 2017-18 production season increased from 36 to 53 percent. The AGRITEX 2018 second round crop and livestock assessment report indicated that the pest affected 7 percent of the maize cropped area. A national FAW survey by the Department of Research and Specialist Services (AGRITEX) in June 2018 reported FAW presence in all districts.
Livestock conditions: Small stocks are expected to be in fair to good condition across most parts of the country throughout the outlook period. Following a poor 2017-18 rainfall season, and the forecasted below-average rains for the 2018-19 season, poor water and pasture conditions will mainly affect cattle. Poor cattle and donkey conditions during the outlook period will adversely impact draught power services and cropped area for some farmers. Supplementary feeding activities will be limited due to high prices and rising costs for feed. Diseases such as anthrax, tick-borne, foot and mouth, and January (Theileriosis) diseases are likely to continue affecting livestock across the country, especially with ongoing shortages and the high prices of drugs and chemicals.
Agricultural and non-agricultural labor availability and rates: Opportunities for agricultural and non-agricultural labor will continue to be adversely affected by the economic environment. Constrained incomes for middle and better-off households will mean limited casual labor opportunities for poor households. Also, the forecast for a second year of below-average rainfall, as well as commodity shortages and high prices will reduce chances for in-kind payments for labor. Due to anticipated above-normal labor supply, cash and in-kind terms of trade are likely to be highly unfavorable to poor households. With prevailing cash shortages, the increasing use of mobile money payments will affect poor households due to high premiums charged on buying or paying for services through this mode.
Remittances: For the duration of the outlook period, FEWS NET projects that domestic remittance flows will be below average. This will mainly be due to constrained livelihoods and incomes for typical urban and rural remitters as economic challenges persist. Also, the high and increasing cost and shortages of basic commodities will reduce flows of goods to poor households. It is expected that the lifting of the import ban on selected goods in October will enhance in-kind remittance flows from neighboring countries (mainly South Africa), though cash remittances will remain low due to unfavorable exchange rates between the US Dollar and regional currencies.
Livestock-to-grain terms of trade: Livestock-to-grain terms of trade are likely to be biased against households disposing of their livestock to access grain. Livestock prices have not increased in tandem with the general price increases in the economy as buyers largely determine and influence prices amidst cash shortages. Some desperate households will lose out through mobile money payments for which they are charged high rates when paying for goods and services. All this at a time when the prices of maize and maize meal are increasing sharply due to seasonal demand as well as general price increases in the economy.
Other livelihoods: Generally, most of the other livelihoods and coping options are expected to remain constrained throughout the outlook period due to prevailing and projected macro-economic hardships. Other factors include anticipated poor water availability and access. Such activities like petty trading, self-employment, vegetable production and sales, sale and consumption of wild products will be affected.
Integrated price projections for maize grain: Maize prices are well above average for this time of the year and are expected to remain above average throughout the outlook period. The current economic crisis has resulted in price increases of commodities (including maize) and this is likely to continue in combination with expected seasonal changes in prices. Maize market supplies are currently low, and are expected to further decrease between January and March due to farmers withholding their surplus stocks in response to the poor rainfall season that is expected. As maize demand increases during the peak of the lean season, prices are expected to reach their peak in March. Only marginal decreases are expected in April and May due to the late harvest and anticipated below-average production (based on the factors contributing to the 2018-19 maize production assumption). Maize grain prices for Mbare Market in Harare are expected to increase up to 50 percent above same time last year and the five-year average during the outlook period. However, potential maize grain price increases may be cushioned by the relative availability and prices of maize meal. High transport and milling costs may influence shifts in consumer purchases from grain to maize meal purchases in some areas. The GMB prices for maize grain are likely to remain at the current levels.
Integrated price projections for maize meal: Maize meal prices have previously been expected to remain stable throughout the outlook period as millers access subsidized grain from the GMB. However, following the October price hikes and deepening foreign currency shortages, maize meal prices are expected to increase further from the October/November levels as demand increases. Millers cite increases in non-grain and other operational costs (e.g. packaging materials) for the increases in maize meal prices. However, in some areas close to the borders some businesses and households may increasingly resort to cheaper imported brands if local brands become relatively costlier. Even where maize meal may be cheaper at GMB depots, poor access and high transport costs for most rural households to such depots will reduce effective demand.
Acute malnutrition: The average national acute malnutrition prevalence in Zimbabwe is 3.3 percent, which is Acceptable according to the WHO Crisis Classification. The 2018 National Nutrition Survey was implemented by the ZIMVAC in all 60 rural districts among children aged 6-59 months from January-February 2018. The assessment was conducted during the peak lean season of the previous consumption year. Current consumption patterns vary from when that assessment was implemented in early 2018 (before the 2018 harvests). Currently, food consumption is poor in typical deficit-producing areas and the prevalence of acute malnutrition is higher during this period, while in typical surplus-producing areas consumption is fair and the prevalence of acute malnutrition is low. The GAM prevalence is expected to remain at levels that are Acceptable (GAM by WHZ <5%) according to the WHO Crisis Classification. From December 2019 – January 2019: The national GAM prevalence is likely to remain within the Acceptable level and planned food assistance is likely to ease consumption gaps. Malnutrition levels are likely to be seasonally influenced by diseases, but illnesses are unlikely to reach epidemic proportions. However, the risk of water borne diseases such as cholera and typhoid remains during the scenario period. From February – May 2019: The national prevalence of acute malnutrition is expected to remain below 5 percent though it is expected to increase from the current levels. The increase is likely to be influenced by increasing economic challenges, limited livelihood options and below average incomes which will affect households' ability to access food and non-food needs. Hence the level of acute malnutrition is likely to worsen due to the deteriorating food access situation.
December 2018 – January 2019: Crisis (IPC Phase 3) food security outcomes are expected to prevail across typical food-deficit areas in the south, west, and extreme north. This will mainly be due to depleted own-produced food stocks for poor households, constrained livelihoods due to macroeconomic hardships, the forecast for below-average rainfall this production season, as well as high food prices on the markets. Typical livelihood activities like on-farm casual labor and labor rates, self-employment, petty trading, remittances and others are expected at below-normal levels. Food consumption is expected to be poor in these areas. Stressed (IPC Phase 2) outcomes will be expected in surplus-producing areas in the north and other parts of the country. Most poor households will just be able to meet their basic food needs but will experience difficulties meeting other food and their basic non-food needs. Seasonal casual labor opportunities will be minimal. In these areas, deteriorating livelihoods and consumption patterns will result in some households experiencing Crisis (IPC Phase 3) food security outcomes. January is also typically characterized by high demands and pressures for school fees and other related education needs across most household groups, which will affect poor households' incomes and access to food.
February - May 2019: Crisis (IPC Phase 3) food security outcomes are expected between February and March, marking the peak lean period for the 2018-19 consumption year. In addition to the above reasons, seasonal green harvests which are typical this time of year are expected to be below average across most parts of the country. Based on experience in the past, some areas and households may not have any such harvests at all because of below-average rainfall due to the El Niño. The late start of rains and delayed planting across parts of the country are expected to result in delayed harvests (which normally start in April). As a result, Crisis (IPC Phase 3) outcomes are likely to extend into April and May as poor households continue to apply livelihood strategies and expand coping measures to access food.
Table 3. Possible events over the next eight months that could change the most-likely scenario.


The conference will be held at One Great George Street, Westminster, London.
Both Westminster (Exit 6) on the District, Circle and Jubilee lines, and St James's Park on the District and Circle lines, are just 5 minutes walk away. For more information, visit the Transport for London website.
When you arrive at the top of the stairs you will be on Whitehall. Turn around (as if you were to walk back down the stairs) you are now facing Parliament Square. Walk around to the right onto Great George Street until you come to two sets of traffic lights. Cross over both and continue walking straight down Great George Street for about 1 minute. One Great George Street is the last building on the corner of Great George Street and Storey's Gate. The building is also the home of the Institution of Civil Engineers.
London's mainline stations at Waterloo, Victoria and Charing Cross are minutes away by foot or by Underground. For further information visit the National Rail website.


To Your Health: 16) DOES BLACK RICE VINEGAR HAVE HEALTH BENEFITS?
Every time she serves this dish, she will not fail to mention that taking black vinegar cleanses the stomach and intestines. Black vinegar by itself is acidic. However, like lemons, once consumed, it is metabolized in our bodies and becomes alkaline. So what exactly is black vinegar made of?
Well, black vinegar is made by fermenting either black glutinous rice, unpolished rice, millet or sorghum. Reputed to possess many health benefits, it is found to be a popular health tonic in China and Japan. Not only that, it is also used for braising meat dishes or as a dip.
Lets find out what are the health benefits.
Black vinegars have long been used in China and Japan as a natural treatment for cardiovascular conditions. It is said to contain acetic acid, an organic acid that may help reduce glucose levels in our body. Consuming black vinegar can prevent cardiovascular diseases, including hypertension, atherosclerosis, coronary heart disease and stroke from developing.
Black rice vinegar has been credited in boosting a body's energy production that will benefit a number of body systems.
According to the late Dr. James Heffley who acquired a doctorate in biochemistry from UT's Clayton Foundation Biomedical Institute, explains that black vinegar contains high levels of citric acid, which serves as one of your body's key organic acids. Citric acid assists, with the metabolic processes in which your body converts food into energy. Citric acid, in fact, helps to boost your body's energy production over and above normal levels. Many body systems benefit from the increased energy, including your digestion, immune system and cognitive functions.
Black rice vinegar contains high levels of antioxidants, which may help in the prevention of cancer. It may combat free radicals from causing damage or mutation of our healthy cells which results in formation of cancers and tumors.
As black rice vinegar contains many essential amino acids, which our internal body needs in order to function well, from repairing muscle tissue to growing our nails. The amino acids may help to balance our body's pH by neutralizing lactic acid and alkalizing the blood, as well as to heal ailments such as congestion and constipation.
Coincidentally, my hubby had cooked stewed pig trotter yesterday. The strong aroma of vinegar, ginger and sweetness of the palm sugar filled the air. I enjoyed it with a bowl of steaming rice and stir fried vegetables.
After the sumptuous meal, my stomach felt warm and not bloated like it normally does. The vinegar does help in neutralizing the acid and aid in digestion. It also relieves constipation and the ginger made me break out in sweat.
So why not give black vinegar a try and see if it works for you or if it has already worked for you, please share your experience.
My next topic for discussion is, "Constipation Causes and Remedies".
I like waterfalls and I wish that I have such a view in front of my doorsteps. Wouldn't you?


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CRISIS HOTLINES
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8 Documentaries About Bipolar Disorder
By bp Magazine August 22, 2016
This list of documentary films weaves together courageous stories of people with bipolar disorder with discoveries in the fields of neuroscience and genetics which over the years have paved the way to better understanding.
#1 Andy Irons: Kissed by God (2018)
Kissed by God is a film about bipolar disorder and opioid addiction as seen through the life of three-time world champion surfer Andy Irons. The pride of Hawaii and revered for his blue collar rise to fame and success, Andy was known as the "People's Champion" throughout the world. However, many people were unaware of his internal struggle with drug use, omnipresent in the multibillion-dollar surf industry. As the opioid crisis rises to a national emergency in the United States, the untold story of Andy's life serves to tear down the myths associated with substance abuse and bipolar disorder. Watch the trailer.
#2 Ride the Tiger (2016)
This film tells the story of highly accomplished individuals diagnosed with bipolar disorder, including former congressman Patrick Kennedy, attorney Terri Cheney and cartoonist Ellen Forney. It seeks to find out where the biological breakdowns occur and how we can possibly preempt, fix or rewire our brains back to recovery. Watch the trailer.
#3 Of Two Minds (2012)
Of Two Minds explores the extraordinary lives, struggles and successes of three unique and compelling people living with bipolar disorder. Their journey, from the painful to the painfully funny, opens an engaging and perception-changing view on those all around us who live in bipolar's shadows … our sisters and brothers, parents and friends, and ourselves. Watch the trailer.
#4 Up/Down (2011)
Up/Down depicts the reality of living with bipolar disorder by showing the delicate balancing act between euphoria and depression. The honest and detailed interviews shine a light on the varied experiences found in the bipolar spectrum from those with a diagnosis, their family members and psychiatric professionals. Watch the trailer.
#5 A Summer in the Cage (2007)
Over the span of seven years, the filmmaker chronicles his friend Sam's battle with manic depression and delusions. By depicting the difficult emotional impact of bipolar, the intent of A Summer In The Cage was to further the public's understanding of the complexities of living with this illness. But as the dramatic story unfolds, it also becomes a unique tale about friendship and the ethical responsibilities of a documentary filmmaker. Watch the trailer.
#6 Stephen Fry: The Secret Life of the Manic Depressive (2006)
This two-part television documentary features British actor and comedian Stephen Fry. It explores the effects of living with bipolar disorder on other celebrities and members of the public. Watch the trailer.
#7 The Devil & Daniel Johnston (2005)
This documentary takes us on an abstract, colorful journey into the troubled life of songwriter/artist Daniel Johnston. Watch the trailer.
#8 Biography: Patty Duke (2003)
This episode of the popular TV series, Biography, documents Patty Duke's life before and after her bipolar disorder diagnosis. Among those commenting: sons, Mackenzie and Sean Astin, husband Michael Pearce and director Arthur Penn. Watch the first 10 minutes.
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How To Make Fintech Attractive To Millennials
by Shameer Sachdev , July 18, 2019
With millennials making up roughly a quarter of the world's population, it's not surprising that they're shaking up traditional industries.
While it's hard to determine whether millennials earn more than previous generations, research from the World Data Lab reveals they're quickly increasing their spending power to become one of the world's most influential consumers.
So, how exactly will millennials shape the world economy and organizations working in the financial sector?
Fueling the Fintech Revolution
Millennials grew up alongside technology giants like Apple and Google, making them one of the most tech-savvy generations. They're also not afraid to use technology to make complex decisions -- even financial ones.
Envisionit research into millennial's financial attitudes shows:
— 68% of millennials think how we access money will change in the next five years.
— 73% would be more receptive to financial services from tech companies like Google, Apple, PayPal and Amazon than their own bank.
— 33% believe banks will cease to exist over the next five years.
With such disruptive and encouraging attitudes, millennials are easily powering the fintech revolution and making way for start-ups to radically change a rather stuffy and traditional industry.
Ditch the Old-School Approach
Most millennials were entering university or the workplace during the 2008 economic crash — so they became adults in a world full of financial instability and were old enough to understand the role bankers played. As such, it's not surprising they struggle to trust large banks.
Envisionit research shows that only 28% of millennials would prefer to use a traditional bank, and only 13% don't trust finfechs.
Online investment platforms like Acorn are popular among millennials who want to keep track of their investments without a traditional stockbroker, while apps like Moven provide personal, down-to-earth money coaching.
Debt plays a large role in how millennials view their finances; especially since the average American millennial has $36,000 in personal debt and only 20% don't expect to die in debt, according to Northwestern Mutual's 2018 Planning & Progress Study.
As a result, they don't want a lecture on their poor money habits or the fact they're drowning in debt. Instead, they want straightforward, non-judgmental financial advice so they can control their situation and become more financially savvy.
Three Ways Fintech Companies Can Market to Millennials
1. Don't judge. Millennials who are struggling with their finances don't need to be told where they went wrong. They want tools and advice for getting out of debt and investing in their future.
2. Responsive, quick services. Websites and mobile platforms need to be optimized with fast load times and easy navigation, since this tech-savvy generation won't tolerate outdated tech.
3. Make it easy. Piles of paperwork and unnecessarily lengthy processes are non-starters for millennials. They're quite receptive to robo-advisors, online financial advisors that let millennials determine the amount of risk they're comfortable with and increase or decrease their investments accordingly. So this can be a great way to streamline services and ensure you're available 24/7.
financial services, technology
SHAMEER SACHDEV, CEO and founder, Growth Gorilla
Brand Insider Summit QSR February 16 - 19, 2020
Omni Scottsdale Resort & Spa at Montelucia
Featuring top industry speakers including:
Jodie Conrad - Fazoli's System Management, LLC, Chief Marketing Officer
Jane McPherson - Capriotti's Sandwich Shop, Inc., Senior Vice President of Marketing
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Evwind, Other renewables
Leading solar photovoltaic PV countries offer suppliers and developers a choice of 4,300 PV projects
February 20, 2014 reve
Solar photovoltaic (PV) projects between 250 kilowatts (kW) and five megawatts (MW) now account for almost half of the yet-to-be-completed 4,300 commercial and utility projects within the leading PV countries, according to the new NPD Solarbuzz Global Deal Tracker report.
The leading countries for solar PV demand now include five major countries in the Asia-Pacific region (i.e., China, Japan, India, Thailand, and Australia), four European countries (i.e., Germany, U.K., Italy, and France) and North America (i.e., United States and Canada). Collectively, these end-markets are expected to provide more than 80% of global solar PV demand during the next five years.
The total project pipeline for the leading solar PV countries has reached almost 95 gigawatts (GW), with the largest projects, in excess of 50 MW, making up 68% of the total capacity on offer, although there are currently less than 500 such projects in the pipeline. "While projects in excess of 50 megawatts account for most of the solar PV pipeline capacity, smaller projects up to five megawatts can typically be approved and completed within a matter of months, making this segment particularly interesting to suppliers and developers," according to Chris Beadle, analyst at NPD Solarbuzz.
Breakdown of 4,300 Projects Within the Pipeline of the Leading Solar PV Countries
China, Japan, and the United States are expected to drive new solar PV capacity deployment over the next five years. Currently, these three leading countries offer a pipeline of more than 3,600 PV projects of greater than 250 kW, which is equivalent to a total capacity of 65 GW. NPD Solarbuzz forecasts that 24 GW of new commercial and utility projects will be completed in these three countries during 2014.
"Understanding the status of the project pipeline within the leading global markets is critical to component suppliers and project developers seeking to participate in the high-growth solar PV industry," added Finlay Colville, vice president at NPD Solarbuzz. "With global PV demand still concentrated among just a few countries, sales and marketing efforts will achieve the greatest rewards when they are aligned with projects that have the best chance for near-term deployment."
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Title: Bad Boy Blues
Author: Saffron A. Kent
Genre: Contemporary New Adult Romance
Cover Design: Najla Qamber
Photo: Wong Sim
Model: Clauss Castro
Cleopatra Paige hates one thing in this world -- just one -- and his name is Zachariah Prince.
In grade school, he pulled at her pigtails. In middle school, he spread false rumors about her. And in high school, he ruined her prom.
She hates that his smirks are unfairly sexy. And she definitely loathes that his dark eyes seem to follow her everywhere. Sometimes, even in her dreams.
It doesn't matter that he's rich and popular or that he lives in a freaking mansion full of butlers and maids. He's rude and arrogant, and she wants to stay as far away from him as possible.
But unfortunately for Cleo, she lives in the same freaking mansion as Zach.
Only he's the prince and she's the lowly maid who serves him.
Writer of bad romances. Aspiring Lana del Rey of the book world.
Saffron A. Kent is a USA Today Bestselling Author of Contemporary and New Adult romance. More often than not, her love stories are edgy, forbidden and passionate. Her work has been featured in Buzzfeed, Huffington Post, New York Daily News and USA Today's Happy Ever After.
She has an MFA in Creative Writing and she lives in New York City with her nerdy and supportive husband. Along with a million and one books.
She is represented by Meire Dias of Bookcase Agency.


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The Rose of Stamboul (original German: Die Rose von Stambul) is a 1916 operetta in three acts by Austrian composer Leo Fall with a libretto by Julius Brammer and Alfred Grünwald. The work premiered on 2 December 1916 at the Theater an der Wien in Vienna.

The story centers around Achmed Bey, a young Turkish man who wishes to reform Turkish society. Not wanting to embarrass his politician father, Bey publishes his reform plans in French under the pseudonym "André Léry". The book becomes a bestseller among Turkish women. Later, a marriage is arranged between Achmed Bey and Kondja Gül. On their wedding night, however, Gül confesses to her husband that she can never love him, as she has fallen in love with the author André Léry.

The 1919 silent film The Rose of Stamboul by German film makers Felix Basch and Arthur Wellin was based on the operetta. In 1953 the operetta was adapted into a musical film, also called The Rose of Stamboul, by West German film maker Karl Anton.

References

External links

Operas by Leo Fall
German-language operettas
1916 operas
Operas

redpajama_set_name: RedPajamaWikipedia


A beautiful A3 print of the lovely Surrey village of shere (often used as a film location!), from one of Susie West's original paintings in acrylic.
Printed onto archival paper using archival inks, it is supplied ready to hang in a contemporary black frame.
SHERE VILLAGE FRAMED ART PRINT BY SUSIE WEST BLACK FRAME A beautiful A3 print of the lovely Surrey village of shere (often used as a film location!), from one of Susie West's original paintings in acrylic. Printed onto archival paper using archival inks, it is supplied ready to hang in a contemporary black frame.


text:
package ru.stqa.pft.addressbook.model;

public class NewContactData {
  private final String name;
  private final String lastname;
  private final String nickname;
  private final String company;
  private final String mobile;
  private final String email;

  public NewContactData(String name, String lastname, String nickname, String company, String mobile, String email) {
    this.name = name;
    this.lastname = lastname;
    this.nickname = nickname;
    this.company = company;
    this.mobile = mobile;
    this.email = email;
  }

  public String getName() {
    return name;
  }

  public String getLastname() {
    return lastname;
  }

  public String getNickname() {
    return nickname;
  }

  public String getCompany() {
    return company;
  }

  public String getMobile() {
    return mobile;
  }

  public String getEmail() {
    return email;
  }
}

redpajama_set_name: RedPajamaGithub


When it comes to Voodoo, few things are more iconic than the Voodoo doll. Known also as conjure dolls, doll babies, dollies, baby dolls, poppets, fetich, fetish, and effigies, they are servants of fast-acting, long-lasting magic. If you are seeking a new job or new friends, need to find your one true love or keep your lover at home, wish to be rid of your enemies or protect yourself from thievery, in these pages you will find the doll and the spell to do just that and more.
Drawing not only on New Orleans Voodoo and hoodoo traditions, Alvarado also presents doll spellwork from ancient Greece, Egypt, Malaysia, Japan, Africa, and the European grimoires of old magic. You'll learn how to make, use, and properly dispose of your Voodoo doll.
Be warned: this is some of the most effective magic that exists so be ready to reap what you are about to sow, or in this case, sew!


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Copyright 2013 Harold Walter Industries, Inc. All Rights Reserved.


text:
Quiz: Can You Match the Christmas Scene to the Movie?: Zoo
Can You Match the Christmas Scene to the Movie?
Image: Hughes Entertainment
The holiday season is a time for family, friends and curling up on the couch, watching a great movie. Christmas movies have made their way into holiday traditions, and it's clear why — the holidays always fall during the coldest time of the year (in the Northern Hemisphere). There is nothing cozier than snuggling up with a giant mug of hot chocolate and watching a fun holiday film.
Christmas movies are filled with magic, love and characters who learn a lot about humanity. These films give us hope in a season that can sometimes make people feel a little down. Even though these movies all seem to have happy endings, they still tug at our heartstrings and get us a little teary-eyed. Pass the tissues, please! The holidays are a roller coaster of emotions, after all.
We've found 40 of the most memorable Christmas movies of all time, and we want to know if you can name them. Fair warning: if you don't know which movie includes a family eating Christmas dinner at a Chinese restaurant, you may not pass this quiz. If you called it before you finished reading that sentence, check out these screenshots to see if you can identify the rest of these Christmas classics.
New Line Cinema and Guy Walks Into a Bar Productions
This Christmas comedy stars Will Ferrell. Can you name it?
"Elf"
"Buddy Guy"
"I Know Him!"
"Bad Santa"
Nothing beats watching "Elf" at Christmas time. It's a movie about a genuinely naive elf who learns the hard way that he doesn't belong at the North Pole. No one could have played this role better than Ferrell.
Touchstone Pictures, Skellington Productions and Walt Disney Pictures
Can you name this movie that is both a Christmas and Halloween movie?
"Sally's Song"
"Halloweentown"
"The Grinch Who Stole Halloween"
"The Nightmare Before Christmas"
It's a musical, a Halloween movie and a Christmas movie all in one! There are some terrifying moments in this film, so you may want to watch it with your little ones their first time around.
Walt Disney Pictures, Hollywood Pictures and Outlaw Productions
Can you name the Christmas movie where Santa Claus dies and someone else has to take over?
"The Santa Clause"
"Merry and Bright"
"The Christmas Chase"
"Home Alone"
"The Santa Clause" is the story of a divorced dad who has to relearn the spirit of Christmas while he learns how to have a relationship with his son. It's an interesting take on the magic of Christmas.
Do you know the name of this movie about two dads fighting over a present?
"Big"
"Christmas in Connecticut"
"Holiday Inn"
There is nothing like watching Arnold Schwarzenegger fight through the rampage that is Christmas shopping. In this film, he works toward getting his son the best Christmas present ever, fighting another dad for it.
Silver Pictures
What is the name of the movie that includes Santa's brother?
"Jim Claus"
"Fred Claus"
"Frank Claus"
"Wilbur Claus"
Vince Vaughn plays Santa's brother in this Christmas comedy that shows even Santa's family is a little dysfunctional. The holidays can be tough on Santa, since his brother is a criminal.
Can you name the sequel that brought back our favorite child star?
"The Santa Clause 2"
"Jack Frost 2"
"Christmas at Home 2"
"Home Alone 2: Lost in New York"
The first "Home Alone" movie was such a success that it spawned several sequels. In this installment, Kevin gets on the wrong plane and heads to New York. While there, he learns what life is like for those without means.
In which movie does Jim Carrey play a Christmas grouch?
"Grinchy"
"Get Grinched"
"How the Grinch Stole Christmas"
"Green and Mean"
"How the Grinch Stole Christmas" is a live-action Grinch movie that changes the game. The makeup and self-aware moments give a lot of insight into the character that simply couldn't have been found in the pages of the original book.
Can you name this movie about a dad who comes back as a snowman?
"The Night Before"
"Office Christmas Party"
"Jack Frost"
"The Bishop's Wife"
"Jack Frost" stars Michael Keaton as a father who loves his family but dies unexpectedly. When his children build a snowman, his spirit ends up in it. If we think about Olaf's song, we pretty much know how the movie ends. Grab the tissues!
Metro-Goldwyn-Mayer
Some networks have this movie playing for 24 hours straight on Christmas day. What is it called?
"I'll Be Home for Christmas"
"A Christmas Story"
Everyone knows the character Ralphie Parker as a normal kid who wants a BB gun for Christmas. Though life has changed quite a bit from when this movie is set, in 1940, it does show Christmas from a child's perspective.
Do you recognize this Christmas classic from 1990?
"Christmas With the Kranks"
Everyone remembers the iconic scene in "Home Alone" when Kevin puts on some aftershave. It burns — oh, does it burn. Though the movie is filled with plot holes, it's still one of the most memorable Christmas films out there.
Rankin/Bass Productions and Mushi Production
Can you name this cartoon that's shown every year?
"Frosty the Snowman"
"The Grinch Who Stole Christmas"
"It's the Great Tree, Charlie Brown"
Of all the classics out there, this is the one you might know the best. Looking at this image, you can probably hear Frosty's voice, imagine him singing and see him dancing. This special is played every year during the holidays.
Dimension Films and Tryptich Pictures
Can you name this holiday story about a con man?
"Naughty Santa"
"Wrong Elves"
"Not Santa"
"Bad Santa" stars Billy Bob Thornton as a con man who wants to run a Christmas con, ripping off department stores. There is only one problem — Billy Bob's character suffers from depression and alcoholism, so chaos is bound to ensue.
Do you think you can name this remake from 1994?
"Christmas Spirit"
"It's a Wonderful Life"
"White Christmas"
"Miracle on 34th Street"
Remakes are not unheard of in the Christmas world, and in 1994 we were given a remake of the classic Christmas film "Miracle on 34th Street," with child star Mara Wilson. This film brought joy and warmth to every household.
Walt Disney Pictures, Outlaw Productions and Boxing Cat Films
Can you name this sequel?
"Gremlins 2"
"Santa Clause 2"
"The Grinch 2"
What happens when you're Santa Claus and your son ends up on the naughty list? Tim Allen has to figure out the answer to that question in this sequel to the Christmas movie that only grows in popularity every year.
Do you know this holiday classic, starring Chevy Chase?
"Holly Jolly Mess"
"National Lampoon's Christmas Vacation"
"Four Christmases"
Not only is "National Lampoon's Christmas Vacation" a cult classic, but it's also one of the most quotable movies of all time. Clark Griswold is a regular family man, but when he's around his extended family, he can fly off the handle.
What's the name of this Christmas classic that everyone loves to sing along with around the holidays?
"Red Christmas"
There is something about watching old-timey movies around Christmas time, and what better movie to start with than "White Christmas"? Singing, dancing and a whole lot of Christmas spirit flood out of this movie.
Walt Disney Pictures and Jim Henson Productions
In which Christmas movie do we see the Muppets play our favorite characters?
"The Muppet Grinch"
"The Muppet Christmas Carol"
"The Muppet Caper"
"The Muppet Christmas Show"
"The Muppet Christmas Carol" is a retelling of the Charles Dickens classic book ... except with Jim Henson's Muppets. This movie has hilarious jokes that may not be suitable for children, but it is fun for the whole family.
Touchstone Pictures, Silver Screen Partners III and Emshell Producers Group
Ernest was a hero in the '80s and '90s. Do you know the name of his Christmas movie?
"Ernest Scared Stupid"
"Ernest Saves Christmas"
"Ernest and Santa"
"Ernest Saves Santa"
The list of "Ernest" movies that are available is long. Jim Varney plays Ernest, a guy who isn't very smart but has a lot of saving to do. In this movie, Ernest helps Santa with a very important job.
Mirage Productions
In this Christmas movie, Bill Murray plays a man who has to go through the trials outlined in Charles Dickens's "A Christmas Carol." Can you name the movie?
"Rude"
"A Christmas Carol"
"Scrooged"
"Ebeneezered"
"Scrooged" is a Christmas comedy about a man who worked his way to the top, giving up everything else that life has to offer. He has to learn the hard way that life isn't great at the top, and he'd much rather have his friends and family.
1492 Pictures and Wonder Worldwide
In which Christmas movie does Kurt Russell play Santa?
"The Christmas Chronicles"
"Gremlins"
"The Christmas Chronicles" is the story of a family trying to pick up the pieces after the loss of the father figure. The two young kids learn the true meaning of Christmas in this holiday comedy.
STX Entertainment, Huayi Brothers Pictures and Tang Media Partners
Mila Kunis stars in this Christmas comedy. Can you name it?
"A Naughty Christmas"
"A Happy Christmas"
"A Bad Moms Christmas"
"A Sippy Christmas"
The original "Bad Moms" gave people a little insight into what happens after school dropoff is done. The Christmas installment is no different, with action, adventure and comedy, all wrapped into a perfect package.
What is this movie about dueling neighbors called?
"A Christmas Prince"
"Krampus"
"Deck the Halls"
"Charles Claus"
You can love Christmas all you want, but when your neighbor has a plan to put so many Christmas lights on his house that you could see it from space, you have to draw a line. Matthew Broderick and Danny Devito star in this family comedy.
New Line Cinema, Spyglass Entertainment, Birnbaum/Barber Productions, Wild West Picture Show Productions and Type A Films
This movie is all about several families. Do you know what it's called?
"All the Families"
"Three Christmases"
"Christmas Getaway"
A couple who always plans to escape during the holidays finds themselves facing family meetings ... four times. "Four Christmases" gives you insight into what it's like to meet your significant other's family.
Keystone Entertainment and Key Pix Productions
Do you know what this straight-to-video movie about dogs is called?
"Santa Buddies"
"Buddy's Christmas"
"Baby Buddies"
"Beastly Christmas"
After "Air Bud" and the following "Bud" movies, Hollywood realized it had a jackpot when it introduced puppies, known as the buddies. There are several movies with these little pups, and they're all as well-trained as you'd think.
Film Funding Ltd. of Canada, Vision IV, CFDC, Famous Players and August Films
This 1974 horror film is all about Christmas. What is the name of it?
"The Holiday Calendar"
"Slashed Christmas"
"Black Christmas"
"The Real Santa"
Sometimes you have to take the horror formula and apply it to the holidays. "Black Christmas" has it all, including sorority sisters, death and suspense. It's the perfect Christmas movie for people who love Halloween.
Legendary Pictures and Zam Pictures
Not all Christmas movies are cheerful. Do you know the name of this one about a demon who punishes naughty children?
"Sheitzer"
"Margals"
"Christmassacre"
We know what happens when children are good around Christmas, but what if we take the naughty list a bit further? "Krampus" (2015) gives us some of the scariest visuals a holiday movie can deliver.
Capital Arts Entertainment, True North Productions and Flavor Unit Entertainment
Can you name this movie about a songwriter and a divorced mother of three?
"The Perfect Holiday"
"Snow and Love"
"Caring on Christmas"
"The Christmas Curse"
The truth is, people struggle around the holidays, and it's important to remember that not everything is magic ... until it is. "The Perfect Holiday" brings in romance and drama to create the perfect holiday movie.
DreamWorks Pictures, Reliance Entertainment, Bluegrass Films and Amblin Partners
Do you know the name of this corporate Christmas movie?
"Bad Boss Christmas"
"One Crazy Night"
"Her Christmas"
Although it didn't get the best reviews, "Office Christmas Party" is a fun comedy for adults to watch during the Christmas season. It really dives into the issues that plague corporate America today.
New Line Cinema, Mandate Pictures and Kingsgate Films
The "Harold & Kumar" movies were a hit. Do you know the name of their Christmas movie?
"The Harold & Kumar Christmas Special"
"Harold & Kumar Go to Christmas"
"Harold & Kumar Love Christmas"
"A Very Harold & Kumar Christmas"
For some reason, creating Christmas specials and Christmas movies for franchises that are popular makes money. The strategy doesn't necessarily make a lot of money, but enough to keep the actors coming back.
MPCA
This Christmas movie is about a journalist who travels abroad. Do you know the name of it?
"A Tale of Two Christmases"
"A Christmas Princess"
"She's the Prince"
While we might think that Hallmark perfected the Christmas formula, others have taken note. In "A Christmas Prince," we see all of the hallmarks of a perfectly predictable Christmas film.
Universal Pictures and Illumination
What's the name of this animated film that was released in 2018?
"The Grinch"
"Stealing Christmas"
"It's Not Easy Being Green"
Though there have been many renditions of Dr. Suess's Grinch character, "The Grinch" (2018) mixes interesting animation with a whole lot of heart. It's even narrated by Pharrell Williams.
Do you recognize this movie with a magical advent calendar?
"The Magic Calendar"
Of all the things one can inherit, a holiday advent calendar may not seem like the most important. However, in "The Holiday Calendar" (2018), we see a young photographer get more than she bargained for with the antique piece.
This movie is filled with Christmas magic. What is it called?
"Make a Wish"
"Snowglobe"
"Tree Star"
"Angel on Top"
In many Christmas movies, we see a magical device helping the protagonist learn the value of Christmas and the spirit of the season. In "Snowglobe," all it takes is a magical snow globe to change things around for the main character.
Walt Disney Pictures and Mandeville Films
Jonathan Taylor Thomas starred in this Christmas film. Can you name it?
"Home for the Holidays"
"The Christmas Movie"
"Man of the House"
Johnathan Taylor Thomas was the kind of child star everyone wanted to see on screen. He made funny jokes and drew the attention of preteens everywhere. However, this movie brought out a different side of him, and audiences had mixed feelings.
Columbia Pictures, Aardman Animations and Sony Pictures Animation
When Santa doesn't deliver presents to a child, things get a little crazy. Can you name this movie?
"Arthur Claus"
"Making the Grinch"
"Who Is Santa?"
"Arthur Christmas"
Animated Christmas movies always get the attention of families. In "Arthur Christmas," we get to see the inner workings of Santa's entire operation ... and we get to see what happens when it fails.
Rainforest Films
What is the name of this 2007 movie starring Chris Brown?
"Un-Christmas"
"Like Christmas"
"This Christmas"
Christmas is the time of year to get the whole family together, even if it's been four years. In "This Christmas," we meet the Whitfield family as they all come back together for the holidays after a long time apart.
Scott Free Productions, British Film Institute, Screen Yorkshire and Ingenious
Santa crashes his sleigh in this movie. Can you name it?
"Sad Santa"
"Get Santa"
"Santa Hunt"
When it comes to watching Christmas movies, we often put our sense of wonder out there. We have to believe in Santa. In "Get Santa," we watch as the magical being loses his reindeer and gets arrested.
What is the name of this movie that takes a woman through her past relationships?
"She Has Secrets"
"Dead on Christmas"
"Christmas Cupid"
"A Christmas Carolynn"
When a PR executive's client dies, the last thing she expects is to see her come back as a ghost and take her through her past relationships. This rendition of "A Christmas Carol" has a little bit of humor and a lot of love.
Good Universe and Point Grey Pictures
This movie is about a Christmas tradition with friends. What's it called?
"'Twas the Night Before"
"Christmas Mash"
"Holiday Hoodwinked"
When it comes to friends, you want to keep traditions alive. In "The Night Before," three friends uphold their tradition of meeting every Christmas Eve to have a bash. However, when one is getting ready to start a family, things change a little bit.
Touchstone Pictures and Simpson/Bruckheimer
What is the name of this Christmas movie that involves a kidnapping?
"Holiday Express"
"The Ref"
"Love Actually"
All right, this might not be the only Christmas movie that involves kidnapping, but it is a hilarious movie. It's all about how no one has the perfect life, and the holidays will bring out the truth one way or another.
Live Through a Christmas Movie and We'll Guess Your Favorite Christmas Movie
Create Your Own Hallmark Christmas Movie and We'll Guess Your Celeb Soulmate
Can You Match the Quote to the Christmas Movie?
Can You Pass This '80s Christmas Movie Screenshot Quiz?
Can We Guess Your Favorite Christmas Movie?
Can You Finish the Funniest Movie Quotes of All Time?
Which Hallmark Christmas Movie Character Are You?
Can You Pass This '60s and '70s Christmas Movie Screenshot Quiz?
Can You Match the Christmas Tree to the Movie?
Can You Correct the Grammar of These Famous Christmas Movie Quotes?


Paul can't believe it's been forty years since the night he died.
The last thing he remembered was blowing out the candles on his 20th birthday cake – then nothing. One minute he was fine, the next minute he was dead.
Fortunately, his death was short-lived. Paul's nurse practitioner aunt performed CPR, and by the time the ambulance came, he was breathing on his own. Unfortunately, his prognosis was not good. Paul needed life-saving, highly experimental surgery that hadn't been invented yet. After making hundreds of calls, Paul's aunt found an enterprising doctor who quickly developed a special tool to help save him. This launched Paul on his life's mission to get specialized medical devices into the hands of doctors around the world. Today, his company – one that has directly saved the lives of tens of thousands of people – is worth millions.
Because of Paul's near-death experience, he understands the importance of business succession planning. He doesn't want his inevitable death to also be the death of his business.
Years ago, Paul hired a key employee who is now poised to buy the company when he dies. To facilitate the transaction, Paul had his financial and tax people perform a fair-market valuation of the business, he had his lawyer draft buy-sell paperwork, and he had his life insurance agent put a life insurance policy in place to finance the terms of the agreement. Paul felt like he was making some smart moves.
But he neglected something… communication. Paul failed to insist that his lawyer, his life insurance agent, his financial planner and his tax advisor coordinate with each other. This might not seem like a big deal – after all, these professionals are paid good money to answer all the "what ifs" we could never think of on our own.
Without communication and coordination among his professionals, Paul's plan might not take into account hundreds of tiny little details that could cause the failure of the business succession plan. Former Laker's coach Phil Jackson said, "The strength of the team is each individual member. The strength of each member is the team." In succession planning, this statement could not ring more true.
Take the recent case of Broeferdorf v. Bachelor, No. 15-2117 (U.S.D.C. E.D.PA. Sept. 14, 2015), as a perfect example. In this case, Amy Bosich, the owner and founder of Flying Nurses International, executed a right of first refusal buy-sell agreement with her longtime employee, Robert Bachelor, funding his potential right to buy the company with a life insurance policy, which he owned and could control. Unfortunately, this was not a one-way buy-sell agreement, and the insurance policy terms allowed Bachelor to unilaterally change the beneficiary of the policy to himself without informing Bosich. To complicate matters, the buy-sell agreement gave Bachelor the right to refuse to exercise his option to buy the company. In the end, this is exactly what Bachelor did, declining to buy FNI and cashing in the $1M life insurance policy for himself. Bosich's executor sued under a number of different legal theories, but there is one, inescapable fact: failure of the team members to coordinate Bosich's succession plan resulted in a failed succession.
That would be one of Paul's worst fears.
Paul schedules a group meeting with all of his professional advisors. He asks each of them to explain to each other what they've contributed to his business succession plan, and then he voices concerns about whether it will all work together. Each professional is understandably proud of their individual work and defensive about Paul's sudden case of "what ifs," but as they all discuss the details of the plan, they slowly discover that it actually might contain some potentially fatal holes. None of these defects would have been detected by the individual professionals, but together, they were able to get a 360° view of the plan and detect where problems might arise.
Energized with renewed urgency, Paul asks his professional advisors to coordinate a comprehensive strategy to ensure the success of his business succession objectives. As the plan takes shape, each of his advisors' respective strengths enhances its viability. Score one for teamwork.
Our law firm works with professional advisors and their clients to develop comprehensive business succession plans. Call us now to schedule a consultation about how we can help coordinate your professionals to help obtain that important 360° view. After all, teamwork really does make the dream work. Put us to work for your dreams so they don't die when you do.
Posted in Client Alert, Scenario, Succession.


Once a prosperous village, Ashford now stands as a decayed shadow of its former self. A year ago, it was a busy place; its streets and gardens echoing with the sounds of life, love and commerce. Then the stranger came and death followed upon his heels. Plague had come to Ashford. In his wake, he left the hacking coughs and pain-filled moans of the dying and the wails of the survivors mourning their dead. Over half the population died, and many of the survivors packed and fled.
A few folk yet dwell in Ashford among the abandoned, deserted homes of their friends and neighbours but it is now a quiet, mournful place. Weeds choke its abandoned gardens and untilled fields. Wolves, foxes and other less natural predators gnaw at the weathered bones filling the village's open plague pit. The surviving villagers are distrustful of strangers, shunning them whenever possible, and few find welcome, cheer or solace in Ashford.


text:
After previous assault allegations, Tyga assists Camaryn Swanson in celebrating…
TOPICS:TSR Entertainment
Posted By: Tidings January 27, 2022
After previous assault allegations, Tyga assists Camaryn Swanson in celebrating her 23rd birthday.
Camaryn Swanson, a model, accused her ex-boyfriend Tyga of abusing her last October. She turned to social media following the alleged assault to post images of herself. She went on to file a police report, and Tyga was detained as a result of the incident. Fast forward a few years, and it appears that the two have reconciled their differences.
Camaryn celebrated her 23rd birthday on Tuesday, and she shared photos from the occasion, which included Tyga.
Tyga surrendered to authorities after Camaryn made her charges public on social media, as previously reported. He was arrested and charged with felony domestic violence, and after posting a $50,000 bond, he was released. Throughout the ordeal, he maintained his innocence.
According to reports, Tyga let her into his home despite the fact that he and his family suspected she was under the influence. Once Camaryn got inside the house, things allegedly escalated, with Tyga allegedly putting his hands on her. After officials discovered obvious marks on Camaryn, they filed a police case.
"Looking back today, I'm proud of myself for making a statement and standing up for myself," Camaryn said of her decision to publicly speak out about the alleged assault. I'm delighted to bring this to the attention of any woman who may be experiencing this, and I hope that it will inspire others to speak up for themselves."
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If I've learned a little about love, I owe it to the clever way the elder generation pretends it can't operate computers. In 2007, my maternal grandfather, David Hill, gave me the job of transforming his memoir from 200 loose, handwritten pages into a single Word document. Whether my grandfather knew he was changing my life I can only strongly suspect: if so, then he had the grace to disguise the gift as a chore.
David was a modest and funny man who restored antiques for a living and magicked coins from behind grandchildren's ears to make up any shortfall. In the Eastern Daily Press he wrote a much loved column about this and that (the two principal diversions of the British before celebrity and indignation were invented).
David was devoted to my grandmother Mary, doting on her with a fondness that was unconditional and unswerving through her long years of mental decline. Growing up, as my own loves waxed and waned, I realised that my grandparents' bond was a simple habit of their golden generation: an example of that legendary stoicism.
David rarely spoke about the second world war and so I was surprised to find that its six years occupied the greater part of his life's handwritten manuscript. It was as if time had circled the great conflict before resuming its direct course. Even more startling, as I began to type up his memoir, was to discover how close my grandfather had been to the heart of the action. Besieged on Malta, the most stubbornly defended island on earth, he was assigned to mind Randolph Churchill, the prime minister's stubbornly offensive son. Look after him, David, said the major general who conferred the duty, and if at all possible keep him out of trouble.
Chris Cleave's grandparents David and Mary Hill in Sicily in 1969.
Randolph was an exceptional man but he had big shoes to fill and sometimes did so with drink. He was known to be outrageously brave, strolling through gunfire to deliver orders. On Malta, if the Axis did invade, he might cheerfully get himself killed or – much worse – captured. In that pivotal phase of the second world war, the prime minister's son would have made a game-changing hostage. My grandfather had been issued with a Webley Mk IV revolver and a delightfully ambiguous order.
Naturally, I wanted to know more about a man to whom you'd entrust such a job and about the enigmatic woman who loved him. As an adult, I only knew Mary in her decline. If time had seemed to linger around my grandfather's youth, it circled like a carrion bird above my grandmother's dotage. It bullied and baffled her so that now she was 80, and now eight again; now foolish and now wise; now trouncing the Times crossword and now sounding out simple words with phonics, using a finger to keep her place.
All I knew of my grandmother's youth was from family stories, but by now I'd discovered that those don't tell half the tale. Like mantelpiece photos, the frame of a family story is mostly full of people when they are smiling. Just as I only half-knew my grandfather until I worked with him on his memoir, now I was eager to know who my grandmother had really been.
I'm sure I'm not alone in finding that this family curiosity is magnified when one has children. You look at them and realise those eyes, that laugh, this specific tendency to hurl spaghetti at a sibling, must come from X or Y grandparent or great-grandparent.
David and Mary on their wedding day in 1944.
The mystery of Mary, though, was that after her death she eluded all my attempts to rediscover her. She never wrote a memoir and of her wartime letters to my grandfather, my family has only a few. David kept many hundreds more, but close to the end of the war he and his trunkful of letters sailed home on separate vessels. His ship got through while the other was sunk by a U-boat – when I remarked what a pity it was, my mother simply said that on balance, she preferred things that way around.
That was when I felt the cold shiver of chance. I felt myself and our children flicker and become translucent, felt my brother and six cousins and all their children flash on and off like the low winter sun through the trees to one side while you're driving. All of us held our breath for a moment while the torpedo rushed closer, then hissed past us in the night to cut some other poor family off at the trunk.
What my family does have is all the letters David wrote to Mary while he was besieged on Malta and she was teaching in and around London.
For each letter sent or received, my grandmother recorded in an exercise book the date it had been posted and arrived. In a separate diary, she summarised the letter's contents and a tantalising hint at her feelings. Just to see the care with which Mary curated the cherished letters is to understand how different was that generation's relationship with pen and ink.
Communication today has no smell and no rustle, no caress but that of the keyboard. True, we don't have to wait for email to be delivered, but neither is it invariably worth waiting for. These days messaging is about constant, low-level reassurance (erring on the safe side, as school keeps reminding our kids, as one wouldn't want one's deepest feelings to end up splurged across the internet if the relationship soured).
But in the long separation of the war, letters were infrequent but made up for it in intensity. One couldn't have the loved one, but one could have the page their hands had held – bearing more between the lines than in them, and carrying perhaps a hint of their pipe smoke. Oh, and the letter was intimate, and private, and it arrived in an envelope just for you. And when you wrote a letter in those years, you wrote with no certainty that you'd be alive to write again tomorrow. Every word mattered, and so you exhausted your reservoir of emotion along with the ink.
Some of Mary and David's letters and a telegram too.
I was captivated and I read letter after letter – there are more than 1,000 of them. Some are light-hearted and playful, such as the one in which Mary draws a dress she's planning to make.
Often, for the sake of the censor or to spare Mary the worry, David's letters don't reveal the worst of his situation on Malta. There is an upbeat telegram, for example, which he sent after he had been extremely ill – he didn't let on how ill until after he came home.
Reading their letters, I discovered two very young people falling more and more in love. Their enforced separation made it a love without physicality, without security, without musicians or gin: without any of the things that might have made it easier. It was a love that had to survive time's encirclement at the start and could therefore endure its bedevilment at the end. Far from being a vow before God, or a stoical habit, my grandparents' love was a contract with each other, enshrined in 1,000 letters and requiring no higher power. Theirs was a love the like of which we haven't seen since because the conditions for its formation have never been replicated.
Everything I thought I knew about that wartime generation was absolutely wrong. They weren't reserved, they were desperately alive. They weren't stoical, they were passionate about the very few aspects of their lives in which they had a choice. They were so much more than the clipped accents and the flat affect with which we misrepresent them in a thousand war films. They were very scared of being killed, they were 20 years younger than the actors who portrayed them, they cried when they were exhausted and they sweated when they danced.
More than anything else, that generation laughed. The thing they did most is the thing that all the cinematic and literary portrayals of them do least. My grandparents' letters were often hilarious, which, of course, is the one way a letter can reduce to nothing the distance between two lovers: the laughter it produces is as real and unfiltered as if the writer and the reader were sitting side by side. Everything else – an enclosed photo, a promise of intimacy, a poem (God forbid) – is only a proxy for togetherness, whereas laughter is the thing itself.
For the sake of their privacy, I have shown only a very little of my grandparents' correspondence here, but I thought it important to show something in the hope that it might put readers in mind to dig out their own family letters, if they're still around. If you do get the chance then you can hold them in your hands, as I did, and have the shiver of realising: this is where my family comes from, and almost didn't.
This is where we all came from, more or less. Because it was a global conflict, everyone you look at is the result of our recent ancestors somehow, against whatever odds, coming through the war intact. If you are reading this then you are very likely the glad result of two lovers, issued with pen and ink, writing themselves an almost impossible love story through the chaos of a total war.
I typed up David's memoirs for him, but I wrote a novel for Mary. I never did find out who she really was and so my heroine is not her. She is so different that I could safely call her Mary as a tribute to my grandmother, whereas Alistair, the novel's hero, has overlap enough – however small – to require an unused name. It is inspired by my grandparents' characters, not based on their story, but what I hope is true is the way love begins in the letters between my two separated fictional lovers, Mary and Alistair. I wanted those letters to be the bright centrepiece of the novel because it is so terribly brave, to dare to fall in love when the world is falling apart.
• Chris Cleave's new novel, Everyone Brave is Forgiven, is published by Sceptre on 21 April, £14.99. To order a copy for £11.99, go to bookshop.theguardian.com or call the Guardian Bookshop on 0330 333 6846 Free UK p&p over £10, online orders only. Phone orders min. p&p of £1.99.


The "Build A Bike" program is a joint effort between Golden State Foods Foundation and Homefront America. The program provides military children the opportunity to "build" their own bikes, and to discover exercise in a fun and unique way.
The objective of the Build A Bike program is to teach children the importance of setting goals, and the value of hard work to achieve these goals. It also aims to impress upon them that a bike opens doors to learn valuable life lessons: self-reliance, responsibility, learning risks and rewards, experience adventure, build strength, self-confidence, and character, plus live a healthier lifestyle.
On the day of the event, the children are given new un-assembled bikes. They are also assigned a "mentor" to help them with building their bikes. The mentors are there only to watch and assist. This gives the children the opportunity to have the actual "hands-on" experience of learning to build their own bike.
Once the children have completed building their bikes, they are fitted with brand new bike helmets, while their bikes are being professionally tuned. The children also learn the importance of obeying bike safety rules, and the need to take personal responsibility and care for their new bikes.
To view past Build A Bike events, click on the "Photo Album" icon on the left.


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'10,' 'Protagonist,' 'Night' late Sundance sales
4:00 AM PST 1/27/2007 by Gregg Goldstein , AP
PARK CITY -- In the home stretch of the Sundance Film Festival, ThinkFilm and City Lights Home Entertainment partnered to purchase North American rights to David Wain's Ten Commandments satire "The Ten."
The companies said Friday that they will split the $4.5 million payout plus a substantial P&A commitment. Because City Lights Pictures was one of the producers, it was unclear just how large ThinkFilm's share of the deal was.
As of Monday afternoon, IFC and Netflix's Red Envelope were closing a low- to mid-six-figure deal for Jessica Yu's extremist docu "Protagonist," repped by Josh Braun of Submarine.
"The numbers are so high this year that you've seen a lot of co-sales," said attorney Andrew Hurwitz, who helped rep big deals for "Joshua," "How She Move" and "Son of Rambow," the last of which went to Paramount Vantage for $7 million-$7.5 million plus boxoffice bumps. Hurwitz said there also has been more co-repping of films, such as himself with UTA, Cinetic with WMI and new player Submarine with CAA. "In a world with fewer studio movies and TV deals, agents see this as a bigger business. Deals are becoming more complicated, and different parties bring different strengths."
Other deals close to closing just after the fest included first-time feature director Jake Paltrow's romantic comedy "The Good Night," starring Penelope Cruz, Danny DeVito and Gwyneth Paltrow, with ThinkFilm, the Weinstein Co., Newmarket and Paramount Vantage said to be among the suitors.
"Ten" features a well-known cast, including Paul Rudd, Winona Ryder, Jessica Alba, Adam Brody, Liev Schreiber, Justin Theroux, Gretchen Mol, Oliver Platt and Famke Janssen. An August release is tentatively planned.
ThinkFilm will handle theatrical distribution and obtain TV rights, while City Lights will handle DVD and digital distribution through its partnership with Warner Music Group's WEA Corp. Both companies will share revenue from all distribution venues.
"ThinkFilm was very aggressive, and their ideas for distributing and marketing the film were what won us over," said producer Morris S. Levy, president of MEGA Films. "Instead of being with a distributor like Weinstein Co. and low on their totem pole, we feel we'll be the high point of their slate."
City Lights Media Group CEO and producer Danny Fisher said the marketing might include outtakes and newly shot, improvisational "documentary footage" of characters that would be webcast.
"We thought it was a hilarious, funny movie and that if we brought it to an audience with brains and style, it would have the ability to do better than (ThinkFilm's) 'The Aristocrats' or 'Strangers With Candy,' " ThinkFilm head of U.S. theatrical Mark Urman said. "It's a very smart brand of seemingly dumb comedy, and we know these guys will be great to work with."
"Ten" premiered Jan. 19 at the Library Center Theatre as one of the most anticipated potential indie buys but earned a mixed reaction and had a slow sales burn. The Weinstein Co. and 2929 Entertainment's distribution channels were among several parties expressing interest in the film. But by late Thursday, ThinkFilm was closing its side of the partnership with City Lights.
"Ten" was produced by City Lights Pictures in association with MEGA Films and Shot Put Pictures. It was produced by Shot Put's Jonathan Stern, Wain, Rudd, Levy and Ken Marino. The executive producers were Fisher, Sam Zietz, Jack Fisher and Michael Almog, and the co-executive producers were Max Sinovoi, Michael Califra, Michael Bassick and Joe Fisher.
The deal was negotiated by ThinkFilm's Urman, with Cinetic representing the filmmakers.
Smaller outlets nabbed two Sundance winners: PBS' "P.O.V." bought the rights to Shimon Dotan's Palestinian prisoner docu "Hot House" during the film's Sundance premiere and announced the deal Sunday, one day after the film won a World Documentary Competition Special Jury Prize. The deal was negotiated by "P.O.V." executive director Simon Kilmurry with Dotan and producer Arik Bernstein. Eva Mulvad and Anja Al Erhayem's Afghani political examination "Enemies of Happiness" from Denmark was picked up by Women Make Movies just a day before it won the World Cinema Jury Prize for documentary feature. Over at Slamdance, Seventh Art Releasing bought worldwide rights to the drug rehab scam drama "Over the GW."
As acquisitions execs took a well-deserved breather and left town, other titles that might see deals close this week include "Interview," the long-gestating "Chicago 10" (rumored to be up for a re-edit) and top Sundance prize winners "Once" and "Padre Nuestro."
Gregg Goldstein


On Monday 4th December, the branch charity sing-along took place at a new venue – the Brewhouse and Kitchen (B&K). We raised over £270 for this years charity National Star, which added to the amount we raised for them at this year's CRAF. Thanks to all of you who bought raffle tickets, the B&K for hosting the event, all those that donated prizes and our musical entertainment, Gren on the piano and Les with his ukulele band.
‹ It's all for charity mate!


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Taylor Swift and Rita Ora to Headline Amazon's "unmissable" Prime Day gigs in New York and London
RNLI safety campaign as almost 50 cars trapped by tide on Holy Island Causeway in last four years
Sea of Subarus was a fitting tribute to car fanatic from Belford
A convoy of Subarus drove through Belford on Sunday to mark the anniversary of the death of a father-of-three who was killed on the A1.
Friday, 27 April, 2018, 12:21
The convoy of Subarus passing through Belford in memory of Baz Carmon
Barry Carmon, known as Baz, who lived in the village, died in a crash at Newton on the Moor on April 8, last year.
Police said that a Ford Transit van was travelling south on the northbound carriageway and a Subaru Impreza, driven by 30-year-old Baz, was travelling north on the northbound carriageway when the accident occurred.
To mark the anniversary, Baz's cousin, Robin Foulis, organised last weekend's event.
Subaru drivers attended Belford Classic Car show, before going through the village in tribute to car-loving Baz.
Robin said: "It was a great turnout for Baz and it went really well."
A week before, a similar tribute – organised by Baz's friends from Alnwick – took place. A procession of cars travelled past the crash site before going through Belford and on to Berwick.


Making your own pickling spice at home is really pretty easy if you want to experiment with taking your pickled goods in very specific flavor directions.
The Pickling Spice that we sell at our shops is more of an all-purpose pickling spice because it contains a balance of both sweet and savory spices. It's great for pickling just about anything. But making your own pickling spice at home is really pretty easy if you want to experiment with taking your pickled goods in very specific flavor directions.
The biggest challenge in making your own pickling spice is honing in on the flavor profile you want, since the spices to choose from are abundant. This will require some experimentation because you'll be using whole or cracked spices, which aren't all that palatable. (Ground spices will leave a powdery residue and cloud the pickling liquid, which isn't all that appealing.) So you likely won't know what your pickling spice blend will taste like until you've used it.
I recommend starting small and testing a little to make sure you are happy with the results before pickling a big batch of something with your new pickling spice blend. You can get a better sense of what your blend will taste like by grinding a bit of it down in a coffee or spice grinder or coarsely cracking it in a sealed zip top storage bag. This is particularly a good idea if you are adding any overpowering flavors like cloves, cumin, or juniper. To test out your homemade pickling spice, try it in the following 1-pint test batch brine.
Directions: Pack veggies into pint jar. Bring water, vinegar, salt, and pickling spice blend to boil. Simmer for 2 to 3 minutes. Pour into jar to cover veggies. Let cool to room temperature then seal and refrigerate. Taste after 24 hours to determine if you like the flavors.
To help you get started making your own homemade pickling spices here are five flavor combos I put together that you can tweak to make you own. Now, get pickling!
DIY Mustardy Pickling Spice is great for pickled mushrooms and onions.
Great for pickling: Brussels sprouts, bell peppers, mushrooms, onions, or cucumbers.
Notes: A sprig of fresh tarragon, parsley, or both would pair well with this blend. Simply pack the fresh herbs into the jar of whatever you're pickling. You could also consider adding a touch of honey.
Directions: Mix all ingredients together and use about 1 to 1 ½ tsp. of the spice blend per pint of pickled goods. To bring out the full flavor, toast the spice blend in a skillet over medium heat for 1 to 3 min., or until aromatic, before adding to your pickling brine.
DIY Sweet Pickling Spice is great for pickling stone fruits, like plums or peaches.
Great for pickling: Stone fruits, beets, watermelon rind, green tomatoes, or bread & butter pickles.
DIY Sweet & Spicy Pickling Spice is great for carrots and fennel.
Great for pickling: Jalapeños, watermelon rind, beets, onions, carrots, or fennel.
DIY Herb & Savory Pickling Spice is great for sweet bell peppers.
Great for pickling: Brussels sprouts, cucumbers, mushrooms, summer squash, bell peppers, or green beans.
Notes: A sprig of fresh parsley, dill, or both would pair well with this spice blend. Simply pack the fresh herbs into the jar of whatever you're pickling.
DIY Southeast Asian Pickling Spice is great for watermelon rind.
Great for pickling: Green beans, jalapeños, radishes, watermelon rind, or stone fruits.
Notes: A sprig of fresh cilantro, parsley, or both would pair well with this spice blend. Simply pack the fresh herbs into the jar of whatever you're pickling. You could also consider adding a touch of honey.


In part one of this blog we covered concise and relevant pitching as well as how to follow up reasonably and be respectful of journalists' time. Now let's focus on some reporter Tweedback that reminds us to provide credible sources and reveals the risks of trying to force connections.
Journalists aren't fans of forced connections.
This applies to our connections with them.
As well as the connections – comparisons and metaphors – we make in our pitches.
Creative metaphors and comparisons can help our pitches stand out, but they need to be original and actually meaningful or insightful. For example, the person who pitched Chris would've needed to make a deeper connection between organizations' battle against ransomware and Elmer Fudd's quest to hunt the bad rabbit besides simply that they both never succeed.
And of course, we can't force a connection to make our pitch relevant.
We need to provide credible sources and information.
Reporters often call each other out on Twitter for using questionable sources or information. Even though this isn't directed at us PR people, we can use it as a reminder to only offer credible sources and never provide misleading information (even for stats we're referencing and linking to).
The most prominent recent example might be around the Straw Ban movement that began last year, when tons of major media outlets referenced a stat that Americans throw away over 500 million plastic straws per day – a stat that turned out to have been created by a nine-year-old. This revelation was all over the news, but journalists used Twitter to call out certain articles for referencing the stat. For example, Christian Britschgi of politics and culture magazine Reason called out NBC News, which eventually acknowledged the error and updated the article. Additionally, freelancer Agri Ismail recently revealed that BBC posted an article about backlash and boycott against Gillette's recent #MeToo advertisement – but their only sources boycotting were two random haters with 18 and 6 followers. As concern around fake news and media bias continues intensifying, reporters are forced to be even more critical of their sources of information. We can help by always providing credible sources – and explaining why they're credible – and providing clear attribution for easy verification.
Last but not least, reporter Tweedback should remind us to keep our heads up. Sometimes, it doesn't matter what we say – they already have their answer.


To meet the goals of precision health, there is an urgent need to develop the next generation of nursing scientists poised to lead interdisciplinary teams that integrate 'omics'-based measures with clinical outcomes research. To accomplish this, a concerted effort needs to be made in the training of nursing science doctoral students with skills necessary to incorporate and evaluate omics (genomics, metabolomics, transcriptomics, microbiome, genomics, epigenomics) in health and disease.
2) currently enrolled in the School of Nursing PhD program.
All application materials need to be sent electronically to the Training Director at heit@uw.edu.
research interests and goals and how they align with the training provided in this T32.
4) a letter of recommendation. This letter should be sent electronically directly to the training program director from the recommender (not from the applicant) and should speak to applicant's scholarly abilities, areas for growth and future potential.
For more information about this program, please contact the Training Program Directors, Dr. Margaret Heitkemper at heit@uw.edu or Dr. Hilaire Thompson at hilairet@uw.edu.
Please send an email with your resume to Dr. Kendra Kamp (kamp@uw.edu), with the position and course number you are applying for in the subject line.


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If you need the cargo, you'll find a way to get it - BIMCO
APK-Inform
09:37 | Jul 1, 2019
In 2018/19 MY, the global and local events, including the trade conflicts with the USA or frequent cases of African swine fever in China, made its impact not only on the export activity of grains and oilseeds, but also on transportation of agricultural products in general. The Chief Shipping Analyst of BIMCO, Peter Sand agreed to share his forecasts about development of the global freight market in 2019 with APK-Inform Agency.
BIMCO is the global largest international non-governmental shipping association, with nearly 1,900 employees in more than 120 countries. The main goal of the company is creating the equal conditions in the the shipping industry, including fair trade and open access to markets.
- Grain market is one of the main factors influencing the freight rates. Did new impact factors for the freight rates appear in 2018/19 MY? What are Your forecasts for the upcoming season?
- BIMCO expects the global grain market to support dry bulk shipping demand in 2019. Not by much, but still a positive driver pushed forward by wheat (Ukraine and Russia in Q3-2019) and coarse grains (US in Q2-Q3-2019). The trade war, instigated by the US is naturally limiting trading in soya beans, sorghum and other types of grain. Trade lanes are changing as a result of this.
BIMCO forecast lower average freight rates for the dry bulk shipping industry in 2019 as compared to 2018. Weaker demand and fast growing fleet are the main culprits behind this grey forecast.
- What events in the world in 2018/19 MY did have its impact on the market of transportation of agricultural products? Did the structure of transportation volumes change by agricultural cargoes?
- The regional production always changes from one year to the next. Like the high exports of wheat from Australia in 2017, that was shifted for a low level in 2018 and for 2019 too. For Ukraine and Russia, we also expect 2019 for become a year of lower exports as compared to 2018. US on the other hand are expected to export more in 2019 than they did in 2018. In addition to that, the trade war has certainly also impacted trade lanes, favoring South America to a large extend, as the expense of US.
- What is the trend of construction and utilization of dry cargo tonnage used to transport grains and oilseeds for several recent years? What is the monthly increase in bulk carriers for the transportation of grains and oilseeds, and how do You estimate the demand activity?
- The Panamax sector have grown rapidly over the past year – 3.6%, this is above industry average at 2.8%. For 2019 and 2020 BIMCO expects total dry bulk fleet to grow by 3% and 3.1%, this expansion happens across the board. What could change this outlook of very fast fleet expansion would be a higher amount of demolition than BIMCO currently expects.
All sectors are capable of carrying grains and oilseeds – most handies, supras and Panamaxes do so, but they are all substitutes to one another. This is why freight rates tend to move in parallel swings. BIMCO estimate demand form a wide range of sources, compiling it all into one consolidate forecast. One that take into consideration everything from planted acreage to weather condition close to harvest season and barriers to trade set up globally.
- The new IMO regulations on sulfur content in fuels, which will take effect in 2020, can significantly increase the cost of marine fuels. What are the forecasts? Will it have any impact on agricultural supplies?
-The IMO 2020 sulphur cap will affect the cost of shipping goods globally – it will become more expensive. To an extend that it may impact trade lanes, as buyer of agricultural supplies looks a not only the product and the quality if it, but also the landed cost of the cargo. In short, the IMO 2020 regulation will add another level of uncertainty into the pricing of products at end destination. But if you need the cargo, you'll find a way to source it.
- How do You estimate the changes in the world`s agricultural supply streams since the beginning of the trade war between the USA and China? Can You estimate the prospects for the influence of China on the market of sea transportation of agricultural products in the future?
- What we have seen in terms of changes to the ongoing year, and expectations for the 2019/20 MY is that more area is set aside for soya bean production in Brazil and less to in the US. In terms of buyers finding it difficult to source its need, this has not been the case as China, have faced a declining demand due to African Swine Flu.
For soya beans China has been the sole driver of that market for the last two decades. Chinas buying power in the market, makes it a force, but it may also expose itself to weakness if they find themselves in need of products they cannot find from alternative sources. The case of Canadian canola, is a sign of politics finding its way into disrupting trade like we have not seen it for many years. It's bad for shipping when something like that derails globalization.
Interviewed by Hanna Lysenko
Ukraine supplies every fifth tonne of grains to the Middle East — APK-Inform
Middle East Grains&Oils Congress: Beirut edition — "pearl" of the Middle East put together players of the grain and oilseed markets
KazakhGrainExport 2019: new round of trade relations
Ukrainian grain is quite competitive on the MENA market — Cotecna
Sunflower oil in Ukraine: refining and packing
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