Even as India is planning to host a high-level international conference on countering radicalization, Central Asian country Uzbekistan President Shavkat Mirziyoyev on Sunday proposed to establish the Imam Bukhari International Research Center in Samarkand—after the name of ninth century saint and scholar to provide effective intellectual tools to contest extremism and misinterpreting religious texts.
Addressing a security conference on Central Asia under the auspices of the United Nations, which was also attended by an Indian delegation led by Minister of State for External Affairs General (rtd) V K Singh, President Mirziyoyev said his country was also establishing the Center for Islamic Civilization in the historic city of Tashkent.
In the Indian context, a Centre in the name of Saint scholar Muhammad ibn Ismail al-Bukhari holds significance as most of religious texts and curricula in Indian madrasas originate from his scholarly works. Commonly referred to as Imam Bukhari, he authored the hadith collection known as Sahih al-Bukhari, regarded by Sunni Muslims as one of the most authentic collections. After Quran Hadith is an important source of Islamic teachings, based on the record of the traditions or sayings of the Prophet Muhammad.
According the Uzbek President, the main goal is to turn Central Asia into a stable and economically developed region by joint efforts. "We must eliminate the roots that feed the conflict potential. We are looking for reasonable compromises in resolving issues on borders, water use, transport and trade." He also linked stability and development in the region to the peace in Afghanistan, stressing to counter extremist ideology and educating young people about its pitfalls.
According to the President, one of the most effective tools for countering extremism is education, especially educating young people, explaining them the humanistic essence of Islam and the true values of Islamic culture. "In this regard, we decided to establish the Imam Bukhari International Research Center in Samarkand and the Center for Islamic Civilization in Tashkent," Mirziyoyev said.
India's former envoy in Russia and also an expert on Central Asian affairs, Ashok Mukherji, believed that the Central Asia's rich and tolerant Islamic heritage can play a major role in the reconstruction of its national identities as well as relations with India. "This heritage is symbolized by the acknowledged theological eminence of Central Asia's Imam Bukhari in compiling the Hadith or sayings of the Prophet, as well as the scientific and humanitarian contributions of Central Asian Islamic scholars such as Al-Beruni, Al-Farabi, the astronomer-king Ulugh Beg, and Sufi Islamic saints such as Ahmed Yasevi and Nakhsbandi," he said, adding that all these scholars have intrinsic links with India and part of its heritage. He maintained that this heritage, which has taken root since ancient times, is one of the great opportunities and challenges of the new Silk Road.


The central government's delay in drafting necessary federal laws could pit it against provincial governments. Amid complaints of the lack of required human resources, some of the provincial governments have started introducing provincial laws on their own much to the chagrin of the federal government.
provincial assembly. The federal government has said that the Police Act of Province 2 cannot be implemented without Federal Police Act.
introduce necessary laws even if the federal government failed to draft related laws on time. The Karnali Province is also drafting necessary laws for hiring technical staff to implement the budget.
affairs and planning of Karnali Province. Other provincial governments have, however, indicated that they would not follow suit of Province 2 despite being discontent with Kathmandu's indifference towards their concerns. Ministers from Province 3 and Gandaki Province have said that they would continue pressing the federal government rather than confronting.
Salikram Jammakattel, minister for internal affairs and law of Province 3 said they would wait for the federal laws before endorsing the provincial legislations, including laws on police administration and public service commission. The provincial governments have been at odds with Kathmandu for months, accusing the federal government of being reluctant in decentralising the centre's authority as per the spirit of federalism. They have been complaining that even eight months after their formation, most provincial governments are still understaffed as the federal government fails to depute enough officials to the provinces.
The last hour post-ponement of the first Inter-State Council meeting scheduled for the second week of September by Prime Minister KP Sharma Oli has only worsened the situation. Sources claimed PM Oli was delaying the Inter-State Council meeting as the federal government had not prepared necessary laws, leaving him without agenda for the meeting.
Secretaries at the PMO said they had been engrossed in the inter-state issues almost on daily basis. "The process of inter-state council meeting could begin after the ruling NCP's standing committee meeting," said Kundan Aryal, press adviser to PM Oli. The provincial governments are also concerned over the delay in forming the public service commission which is essential for the recruiting process. Currently, all provincial government are operated by the staff deputed by the centre. Once the State Public Service Commission is set up, the provinces could recruit staff as per their requirements.


text:
"""
    sphinx.util.matching
    ~~~~~~~~~~~~~~~~~~~~

    Pattern-matching utility functions for Sphinx.

    :copyright: Copyright 2007-2021 by the Sphinx team, see AUTHORS.
    :license: BSD, see LICENSE for details.
"""

import re
from typing import Callable, Dict, Iterable, List, Match, Optional, Pattern

from sphinx.util.osutil import canon_path

def _translate_pattern(pat: str) -> str:
    """Translate a shell-style glob pattern to a regular expression.

    Adapted from the fnmatch module, but enhanced so that single stars don't
    match slashes.
    """
    i, n = 0, len(pat)
    res = ''
    while i < n:
        c = pat[i]
        i += 1
        if c == '*':
            if i < n and pat[i] == '*':
                # double star matches slashes too
                i += 1
                res = res + '.*'
            else:
                # single star doesn't match slashes
                res = res + '[^/]*'
        elif c == '?':
            # question mark doesn't match slashes too
            res = res + '[^/]'
        elif c == '[':
            j = i
            if j < n and pat[j] == '!':
                j += 1
            if j < n and pat[j] == ']':
                j += 1
            while j < n and pat[j] != ']':
                j += 1
            if j >= n:
                res = res + '\\['
            else:
                stuff = pat[i:j].replace('\\', '\\\\')
                i = j + 1
                if stuff[0] == '!':
                    # negative pattern mustn't match slashes too
                    stuff = '^/' + stuff[1:]
                elif stuff[0] == '^':
                    stuff = '\\' + stuff
                res = '%s[%s]' % (res, stuff)
        else:
            res += re.escape(c)
    return res + '$'

def compile_matchers(patterns: List[str]) -> List[Callable[[str], Optional[Match[str]]]]:
    return [re.compile(_translate_pattern(pat)).match for pat in patterns]

class Matcher:
    """A pattern matcher for Multiple shell-style glob patterns.

    Note: this modifies the patterns to work with copy_asset().
          For example, "**/index.rst" matches with "index.rst"
    """

    def __init__(self, patterns: List[str]) -> None:
        expanded = [pat[3:] for pat in patterns if pat.startswith('**/')]
        self.patterns = compile_matchers(patterns + expanded)

    def __call__(self, string: str) -> bool:
        return self.match(string)

    def match(self, string: str) -> bool:
        string = canon_path(string)
        return any(pat(string) for pat in self.patterns)

DOTFILES = Matcher(['**/.*'])

_pat_cache: Dict[str, Pattern] = {}

def patmatch(name: str, pat: str) -> Optional[Match[str]]:
    """Return if name matches the regular expression (pattern)
    ``pat```. Adapted from fnmatch module."""
    if pat not in _pat_cache:
        _pat_cache[pat] = re.compile(_translate_pattern(pat))
    return _pat_cache[pat].match(name)

def patfilter(names: Iterable[str], pat: str) -> List[str]:
    """Return the subset of the list ``names`` that match
    the regular expression (pattern) ``pat``.

    Adapted from fnmatch module.
    """
    if pat not in _pat_cache:
        _pat_cache[pat] = re.compile(_translate_pattern(pat))
    match = _pat_cache[pat].match
    return list(filter(match, names))

redpajama_set_name: RedPajamaGithub


For showing appointments, call Kurt Mathewson, Realtor® to view the home at 77 E 200 North #A-110 in Provo. Give Kurt Mathewson, Realtor® a call at (801) 671-7988 or schedule a showing through this website!
77 E 200 North #A-110 was listed on Mar 21st, 2019 by Besst Realty Group, a real estate brokerage.


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Bask in the glow of our beautiful deluxe multi-colored LED mood lighting.
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Deluxe RIM spa cabinet with LED lite sconce provides a beautiful enclosure for your spa.
The new DuraTech synthetic cabinet gives you the look of wood without the maintanance.
ClearPlay™ Sound System, with lighted speakers and tweeters, lets you listen to your music wirelessly using Bluetooth technology.
ClearPlay™ Sound System lets you listen to your music wirelessly using Bluetooth technology.
The Dual Defense Purification System combines Ozone and UVC to provide the ultimate in clean spas.
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Clean Light™ UV-C technology and ozone system dual-unit destroys bacteria.
100% Filtered Water, Several Times A Day. Clearwater Spas anti-vortex filtering system allows maximum filtration.


text:
<?xml version="1.0" encoding="utf-8"?>
<resources>
  <string name="app_name">Android OBD-II Reader</string>
  <string name="action_settings">Settings</string>
  <string name="command_list">Choose a command</string>
  <string name="service_started">OBD connection has started.</string>
  <string name="service_stopped">OBD connection has stopped.</string>
  <string name="notification_label">Tap to open OBD-Reader.</string>
  <string name="title_activity_trouble_codes">Trouble Codes</string>
</resources>


IT COULD very well be a mirage: A trick of the glaring morning sun or something misread in the pre-caffeinated early morning haze.
But no. Upon closer inspection, that brown-and-white sign, hanging just beneath the red slash of the "No Left/U-Turn" symbol on a sparsely landscaped traffic island, proclaims exactly what you first thought: "The Islands of LA Nat'l Park."
The territory it demarcates along a busy stretch of Glendale Boulevard as it eases into Echo Park seems, at first, unremarkable: some California native brush; flattened and faded Diet Coke cans; Energizer batteries. Nearby, vibrant goldenrod poppies push up from the dirt. And sure, depending on the time of day, you'll find a few regular "campers" -- a couple of reliably resolute panhandlers: one with a dog, another alone and with his own sign whose message has become garbled, streaked and bloated from rain.
National park? Even park would seem a stretch.
Yet the sign is not a movie ad. Nor part of a clever labeling scheme for city districts. Nor is it a joke. Provocative and whimsical, it's a prompt meant to take the mind down a side road that's often as invisible as the traffic island itself. It's an invitation: " 'Come travel here in this idea,' " says artist and activist Ari Kletzky, who since last fall has been placing signs across greater Los Angeles -- both "Islands of LA" and another, "Shift: Do Art Any Time," that mimics the city's ubiquitous "No Parking/Tow Away" placards but done up in an arresting shade of canary.
Kletzky's aim is as multilayered and unconventional as the city it embroiders, drawing attention to islands of every shape, size and intention. "The signs are a way to start a conversation and an education," says Kletzky, whose project is still in the exploratory stages. "They are a gesture. An appetizer that inspires an appetite. I'm looking to generate discussion to explore use of public space by turning islands into a work of art."
We SPEED by them -- our traffic island archipelagoes -- rendering them a blur; or have become so inured to them along our well-worn paths that we tend to stare beyond them. Trapped on them as pedestrians, we find them an annoying interruption between intention and goal, departure and destination. But traffic islands, Kletzky suggests, are "inquisitive places." They are the pause in the city's long, rambling monologue to itself. And although the city has held its own "Adopt a Median" program through the Board of Public Works, Office of Community Beautification, that allows citizens to plant, beautify or tend a particular median, Kletzky sees islands as something even larger -- as "territories of art," places to create community, promote intellectual discussions in public and explore the use and availability of public space.
The big questions he poses -- what is public? who owns public space? who should create public space? -- are being explored on his blog, islandsofla.com, and in public gatherings -- talks, events, happenings from Santa Monica to Pasadena. In these discussions with curious Angelenos, says Kletzky, "We're looking at it not from the urban planning architecture angle, but how do you use public space to create community?"
In times past, Kletzky points out "public spaces were limited, not everybody had access. This goes back to the Acropolis, maybe further," he says, citing an essay written by an urban planning professor named Margaret Crawford that had a particular resonance to him. "[In the past] those excluded -- minorities, women, the poor -- went elsewhere: their homes, yard, etc." But there is something very democratic about the traffic island. "We can take hold of these public spaces," he says. "It's a chance to make the city seem more accessible."
His motivations were personal as well as political. Like so many Angelenos, Kletzky, 36, had been feeling hemmed in. "I was driving around, sitting in traffic and I just wanted a break. I wanted to take a vacation," he recalls. His eyes drifted over to a traffic island, "And I thought, 'I want to take it here.' " He pauses, smiles. "Well, I don't know if that's entirely true . . ." -- that is, that it happened in a moment. But the anecdote conveys the overall sentiment. That patch of green looked inviting enough. Why not sit a spell? Why not be carried away with a feeling?
Kletzky, a former rhetoric major at UC Berkeley, had come to making art late. To help cope with his father's passing, Kletzky began writing poetry in 1995, which led to photography, video and then video installations and performance. Art became not a form of expression, but rather "a form of exploration, interaction . . . even transformation." (He will begin working on an MFA in art and integrated media at CalArts come fall.) And once the island seed was planted, he started making connections. "I started reading philosophical theory about why it is that individuals are more interested in ideas than in objects. That's when I got the idea about prompting discussions and inviting people to think. To be involved -- be participants in the blog, or in their communities," he says. "The discussion itself is part of the project."
In THE last six months traveling the city and its unincorporated parcels, Kletzky has seen it all: painted-green islands, crowded-with-benches-billboards-and-electric-box islands, neglected islands, in-construction islands, even gated islands. Some islands are only to be jogged or walked on -- no sitting, no loitering. "There is an island in West L.A.," says Kletzky, "that the city paid $28,000 to put a fence on to keep out the homeless."
Some are lush with palm and pine trees. Others seem to exist solely as the home to some city generator or mysterious energy source.
Kletzky pauses at the islands that call to him -- those, in particular, that offer a steady flow of traffic, either pedestrians or drivers. "Not in the middle of the block," notes Kletzky, "unless there was pedestrian traffic or a T-intersection." He puts up a sign or two, and, should he spot a driver idling at a traffic light who has left a window open a crack, he slips in a card, which asks a question and plants a seed: "Who should create public space?" The card directs drivers to the Islands website, where respondents are then invited to an activity -- making art, discussion or performance -- on a traffic island.
Kletzky is full of stories about the islands and his interactions with the people who wait there for their buses, ask for change or sell flowers or food. He has received e-mails from folks who note gathering spots -- schoolgirls who have identified a "signed" island as a designated meeting place -- and has invited some of those interested to talk, over coffee and muffins, "about the nature of L.A.'s built environment." The islands, he's learned, are often microcosms of neighborhoods they are a part of, full of clues about an ever-evolving place where class, race, culture and language intersect. And the only way for someone to see it is to become part of it, interact with it, he explains, by making a trek to an island.
On THIS particular spring morning, when Kletzky arrives at the island at Glendale Boulevard and Berkeley Avenue, toting his bulging backpack, a camera and two Coroplast signs, John Emerson, one of the island denizens, is stationed there. He calls out a greeting: "Hey! Whussup, Sign Guy?"
Emerson's face is lined and tan as dry clay, his eyes the color of a cold mountain spring. As the two talk, it becomes clear that Emerson is an actor who has fallen on hard times. He tells Kletzky how he was rousted from his squat just a few blocks north of here, and now he's back to less than nothing: "People don't really start giving money until after 10:30 a.m.," Emerson explains. "Before that they're all angry. Late for work. Can't be bothered. Even to let the window down."
Kletzky inquires about his wife, his health, and when Emerson asks for money "for my methadone treatment," Kletzky unzips the pack, pulls out a plastic bag with bagels and hands them to him. There is tension on the island, Kletzky has noticed over a period of months, between Emerson and another drifter and a group of Latino vendors, some of whom are working to pay off coyotes who brought them over. The vendors often make more than the homeless can panhandle, and each wants the other to stick to their own side of the island, a trenchant metaphor for some of the city's rumbling hive of tensions.
As Kletzky sees it, visiting the islands is a way to plug into what's going on at ground zero -- and shape a discussion of the problems that come into focus there.
"In some ways they are saying: 'You don't own the city.' But I think it compels the participants to deal with the issue of temporariness. This is about the disposable moment. I know the limitations of the traffic island," he says.
He's aware that the islands are temporary "stages" -- and Kletzky has been careful to make sure in mounting the signs that they don't harm property. "One of the things that keeps coming up is, 'Is this guerrilla art?' Do I have authority or approval?" There is no tape or glue or paint. "It's why I don't like graffiti. It's marking territory by changing something irrevocably. I prefer not to damage property." Because in the end, says Kletzky, "It's not about the product but the ideas generated."
Though it's still early, a cacophony of responses has let Kletzky know he's onto something. For someone who was feeling isolated, set apart from the city, it has evolved into a way to stitch together community despite the region's growing congestion and unwieldy expanses. It's building community out of an idea. "It's made working in public much more interesting because the public exists," in it he says. "The project is about using this vehicle of art -- slap some wheels on it and see where it goes." It's Kletzky's message in a bottle. "The collaboration is really essential -- the repetition of it. It's in that process that something takes form."


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text:
Beauty and beyond
Zooming in on Ladakh, Isaac Titan Gergen's ongoing exhibition makes a case for deeper engagement with the land and its culture.
"After the Elusive Light: Photographing Ladakh" is series of photos shooting several components of Ladakh and its way of life, accumulated over a span of 5 years utilizing Isaac Titan German.
Test earlier than shopping for a beauty product
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The man in the back of the lens dabbles in some of the other arts, painting, sculpting, and pottery, to call some. Isaac explains, "I use pictures to bridge the space between my philosophy and my artwork." For example, operating on a painting may be a long-drawn-out manner, throughout which a variety of pictures takes place. It is in these moments of transitions that images serve as a medium of reflection for him.
Through his work, Isaac brings a kaleidoscopic Ladakh to us. One unique photo of a midsummer subject is an explosion of colors, highlighting the abundance of shade and splendor that the summer season brings to the place. From the terrace of the Ladakh Arts and Media Organization (LAMO) center, in which Isaac holds the office of the Arts Officer, he has captured the snow protected rooftops of a town bustling with exchange and pastime. As winter arrives in its entire force, human beings are pressured to stay indoors; however, even in that point of inaction, lifestyles flourish with the same pressure. Seasonal adjustments dramatically adjust 'the land of excessive passes,' and the comparison is amplified whilst the plush inexperienced. The colorful summer season landscape is placed next to the pristine white and bare iciness landscape.
The scenic splendor of Ladakh isn't always the handiest focus of Isaac's camera. Apart from the breathtaking landscape of Ladakh, the exhibition also includes graphics of its human beings and insights into its wealthy culture. Buddhism plays a distinguished role in the cultural background of the region. The situation of one of the portraits is a One or an astrologer who's consulted using the Buddhist Ladakhis for advice and steerage. History and traditions are passed on to the more youthful generations orally, verbally, and in practice. Isaac's digicam takes us to the festivities of Losar (a Tibetan competition), in which generations come together to revel in the celebrations. The Dard network of Ladakh, according to Isaac, are perhaps the maximum photogenic of Ladakhis and, as an affidavit to this declaration, hangs at the left nook of the gallery a monochrome photograph of a Dardic beauty. Interestingly, the network has Greek roots, which have trickled right down to the Dardic humans' existing day traditions.
The exhibition is a lesson in Ladakhi heritage and is one of the many contributions that Isaac had made for the renovation of the equal. A native of Ladakh, Isaac left his place of birth to pursue his studies in excessive faculty. However, Ladakh had constantly been in his mind and his excursion plans. As both an intruder and an insider, the photographer has seen Ladakh trade time beyond regulation. One of the most difficult elements hindering any attempt to consolidate Ladakhi art is that it frequently gets subsumed under the larger umbrella of Tibetan artwork. But Isaac believes that there has been gradual progress in carving out a gap for Ladakhi art as an independent artwork form and, at the same time as contributing to the same, he hopes to discover his own vicinity within the network that he has again to after being removed from it for goodbye. He believes, "Preservation should be realized without denying development… It is all about taking the network with you."
Christie moves on major overhaul of mental health, addiction services
Improved Vaccination Rates Would Fall Victim to Senate Health Cuts
Date-Night Beauty Is Total B.S. — & That's A Good Thing
Beauty requirements around the sector
CEINT Seeks Comments on Proposed ISA-TAB-Nano Templates
The Center for the Environmental Implications of NanoTechnology (CEINT) seeks feedback at the NANoREG-proposed ISA-TAB-nano templates. According to CEINT, the...

redpajama_set_name: RedPajamaCommonCrawl


text:
@interface HMEmoticonPackage : NSObject

/// 表情包分组名
@property (nonatomic, copy, nonnull) NSString *groupName;
/// 表情包所在目录
@property (nonatomic, copy, nullable) NSString *directory;
/// 表情包对应背景图片名称
@property (nonatomic, copy, nonnull) NSString *bgImageName;
/// 表情包中的`表情模型`数组
@property (nonatomic, nonnull) NSMutableArray <HMEmoticon *>*emoticonsList;

+ (nonnull instancetype)packageWithDict:(NSDictionary * _Nonnull)dict;
- (nonnull instancetype)initWithDict:(NSDictionary * _Nonnull)dict;

@end


text:
Asia's Alternative SMB Finance Lands Investment Boom
Posted on November 10, 2017 November 9, 2017 6:24 pm
B2B FinTech enjoyed more time in the spotlight with investors this week as companies around the globe — ranging from eProcurement to small- and medium-sized business (SMB) accounting to supply chain management startups — secured fresh funding to support growth. But Asia's alternative SMB lending industry was the clear winner, thanks to WeLab, a Hong Kong-based firm that landed $220 million in funding this week. That's not to say the other, smaller funding rounds in the space should be ignored, though. PYMNTS breaks down the $287 million in total funding announced by B2B FinTech startups this week.
Hong Kong's WeLab still won't reveal its valuation after securing another major funding round. The company announced $220 million in equity and debt financing this week, with its Series B-plus round led by the Alibaba Hong Kong Entrepreneurs Fund, the World Bank International Finance Corporation and Credit Suisse, reports in TechCrunch said.
The funding comes nearly two years after a $160 million Series B funding raise. This time around, WeLab, which operates lending platforms targeting both consumers and small businesses, said it is watching industry peers closely — especially those that go public — but stopped short of saying it was planning an initial public offering (IPO) itself.
WeLab's platform allows borrowers to submit applications via mobile device and says it can provide nearly-instant decisions on those applications. The company uses an array of data sources, including bill payment records and social media, to assess borrowers' creditworthiness. Its risk mitigation technology is also licensed to banks and telecoms, reports explained. WeLab says it has so far facilitated $28 billion in loans. The latest funding will be used to focus on more partnerships with banks to develop collaborative solutions, as well as to expand into Southeast Asia.
Kinara Capital
Further bolstering Asia's alternative SMB finance industry, Kinara Capital, based in India, announced $14.5 million in Series C funding led by the Michael & Susan Dell Foundation and Patamar Capital, as well as new backers Gaja Capital and GAWA Capital. Kinara focuses on providing microloans to small businesses, working to act in a market somewhere between microfinance and commercial lending. The non-bank financial company said it will use the investment to expand its loan product portfolio across India and to invest in technology.
A healthy $12 million raised by Germany's Treasury Intelligence Solutions (TIS) will boost the B2B payments company thanks to support from 83North, Target Partners and Zobito, reports said this week. TIS operates a cloud-based platform supporting B2B transactions and cash flow management for its corporate clients. The funding will go toward product development, TIS said, and also be used to scale operations across Europe and the U.S. It already counts a few big names as some of its clients, including Office Depot, Staples Solutions and Fujitsu.
SMB Accounting
ScaleFactor
Based in the U.S., ScaleFactor provides accounting and financial management technology for SMBs. With $2.5 million in seed funding, the company just landed support from Next Coast Ventures, Techstars Ventures, Firebrand Ventures, Matchstick Ventures, Edison Factor and Flyover Capital, according to reports in VentureBeat this week. Twenty-nine million SMBs already use ScaleFactor's machine learning-powered platform, the firm said, adding it hopes to address service gaps left by today's SMB accountants.
"Accountants that don't provide proactive guidance do a disservice to their clients," said ScaleFactor CEO and founder Kurt Rathmann. Rathman added the funding will be used to focus on product development for enhanced bookkeeping and forecasting capabilities.
With a focus on the agriculture industry, FarmLink, based in India, announced $3 million in its first institutional raise. The company provides supply chain management solutions for companies in food supply, and said it plans to develop a network of collection and service centers for the industry across India with the latest investment. Some centers are already in place, providing logistics and procurement solutions to its business customers. Pioneering Ventures and Syngenta provided the investment, reports in Inc42 said this week.
Operating a B2B online marketplace to connect buyers and suppliers, Globality said it aims to help its businesses, especially SMBs, expand internationally and gain access to multinational firms providing goods and services. The company raised $35 million in new funding, reports this week said, which will be used to focus on its own international expansion and the launch of a new office in the U.K., according to reports in TechCrunch. Globality named both individual and institutional investors as its backers, including Al Gore and former IBM CFO John Joyce, adding the company could be a key player for SMBs that often find procurement challenging, particularly because they are considered risky customers by their suppliers.
Related Items:alternative lending, B2B, B2B fintech, B2B Payments, B2B startup, B2B venture capital, Kinara Capital, Small Business Loans, SMB, SMB accounting, SMB finance, Supply Chain, WeLab
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text:
You are here: Home - Mortgages - Remortgage - News -
Equity available in UK homes reaches record £730bn
Written by: Joanna Faith
The amount of equity available for release in British homes owned by over 55s has reached a record high of £730bn.
Research by Canada Life shows the total housing equity available to retirees and those approaching retirement rose by £79.1bn between January to March and April to June as a result of higher house prices.
The highest amount of potential equity is in the South East where the average property price is now £353,000, creating £140bn of potential equity for the region
This was closely followed by London which now has £136bn of potential equity.
Yorkshire now has over £43bn of potential equity available, or just under £65,000 per household. This jumps to just under £73bn for the South West, or just over £94,000 per household. In the North West there is just under £63bn available, or £70,000 per household.
London has the highest levels of average equity available per household at £161,276.
Property wealth can be released to help fund later life, or to gift to children, but advice is essential.
Alice Watson, head of marketing, insurance, at Canada Life, said: "House prices have risen dramatically over the last year which has naturally led to more equity being available across the country. As a result, property wealth is increasingly being used as another element of retirement income, alongside existing savings.
"The diverse nature of equity release products mean that they can be used to meet a range of evolving needs. Whilst releasing equity from a property remains a very significant and individual decision it has a valuable role to play in helping today's homeowners live the retirement they've worked long and hard for. With the right advice, equity release has proven it can help people to access their property wealth flexibly and safely."
Homeowners released record £6.2bn of equity in 2022
Equity held by older homeowners estimated at £624bn
Over 50s consider downsizing or equity release to navigate cost-of-living crisis
Housing market power shifts back to buyers
Tagged: equity release older homeowners property prices
By Joanna Faith
Joanna is an award-winning journalist with more than ten years' investment and personal finance experience. She is editor of YourMoney.com.
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Mortgage guarantee scheme helps 30,000 buy a home
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A big Thank you to all of the wonderful souls I have had the honour of working with.
"I am grateful I met Susan. I come into her office feeling stuck in judgement, negative energy, afraid and helpless. When I feel this way it is impossible to enjoy my life and I am afraid I will be alone forever.
After her treatment, I leave feeling content and calm. I remember the love I have for myself and life again. It makes me want to participate in life again. When I function in this state of connection, I am easier to be around, I want to be around people and everyone around me is happier. I am more compassionate and generous of spirit.


text:
Connecting students across the partisan divide
By Kent Lenci. Reprinted from Huffington Post.
About two years ago, I found myself wandering the streets of Birmingham, Alabama. The city was eerily deserted on a Sunday evening, and I filled the space with scenes from civil rights films-- Klansmen parading down the sidewalk in defiance of sit- ins, and police dogs snarling at protesters. As darkness set in, I almost expected Bull Connor himself to dart out of the shadows, seize his bullhorn, and order me back onto the plane that had just brought me from Boston.
I am a teacher, and I was in Birmingham to meet a colleague who had agreed to connect his students with my own in Massachusetts to discuss civil rights, race, the Civil War... and each other. Our collaboration was meant to help students acknowledge stereotypes of the "other," across the Mason Dixon line, but I'll admit to having harbored my own preconceptions about life in Dixie. Three days after my arrival, though, I left Birmingham feeling that the city had not just weathered the Civil Rights Movement, but that it could teach Boston a thing or two about racial awareness.
My visit left me reenergized to expose my students to kids with different points of view. Since then, middle-schoolers at Brookwood School in Manchester, MA have maintained a vibrant dialog with their counterparts at Highlands School, outside of Birmingham, and we have not shied away from difficult conversations. Many of my students openly think of southerners as racists and rednecks, and the southern students with whom we've been in touch characterize us northerners as bossy and rude. Kids have acknowledged these stereotypes, and, through sustained dialog, whittled away at them. Armed with a more robust common understanding, our students have worked on a mock Supreme Court hearing to decide whether a Tennessee school violated a student's First Amendment rights when it blocked him from bringing a Confederate flag to school. The project is rich and layered, and it is immeasurably deepened by the participation of students from across the Mason Dixon line.
It turns out that I am not the only one trying to partner students across ideological divide to prepare them for tough work. I was thrilled to recently discover a program called Mismatch that looks to connect people, including students, across the political spectrum. This summer I will join an advisory group of educators to help Mismatch tailor their product to classroom teachers, and I'm intrigued by what I've discovered so far. Mismatch is the product of two organizations that I can't believe I didn't already know about. One of those, Living Room Conversations, helps people of dissimilar political viewpoints practice civil discourse, while the other, AllSides, helps the citizenry navigate bias by presenting news from the left, right and center. Joined together, they strive to do the very work I also have been attempting-- but on a larger scale.
When I was in Alabama, I stumbled into history in the making as I wandered past the outdoor wedding ceremony of a gay couple on the first day of same-sex marriage in that state. While I was taking my stroll, Alabama's Chief Justice, Roy Moore, was gathering national attention for his order that local probate judges should ignore the recent federal court decision affirming gay marriage. In some areas — like the park through which I had unwittingly wandered — gay marriage was proceeding, while in other jurisdictions it was not. A cartoon in the local Birmingham paper mockingly depicted Moore clutching divine streaks of lightning while blocking the doorway to the 21st Century. When I returned home to Massachusetts, though, the nuances of the story vanished on Boston's airwaves, leaving just stark headlines ("Alabama Blocks Gay Marriage") to reinforce our long-held assumptions of the South. Had I not just been there, I would have had no sense of the layered controversy that Moore's decision had ignited in Alabama; I needed to bust out of my familiar settings to see that event in a more informed way.
We adults have become notoriously entrenched in our own echo chambers, and I work hard to counter that tendency among my students. I am excited that, with the ideological and organizational backing of Living Room Conversations and AllSides, Mismatch may help me do so. The political divide that has grown so obvious to us all in recent times must, in part, be traced to our collective lack of experience confronting "the other," and I hold great hope that Mismatch is one tool that can be deployed in the classroom to cultivate a network of schools that will help our students become more open-minded.
Kent Lenci teaches middle school history and serves as the Personal Growth and Development Coordinator at Brookwood School in Manchester, MA.


Alternate title: Pennsylvania R.R. Station : Western Flier at station, Trenton, N.J.
Summary: Pennsylvania Railroad Station, Trenton, New Jersey, circa 1901-1906. Postmark date: May 26, 1909; Postcard number: 200.388; Message included.


Lipofectamine® 2000 Reagent is a proprietary formulation that facilitates highly efficient delivery of Stealth™ RNAi or short interfering RNA (siRNA) to mammalian cells for RNAi analysis. This reference provides general guidelines and an optimized procedure to transfect Stealth™ RNAi (or siRNA) into mouse 3T3 L1 fibroblast cells (ATCC, Cat. No. CL-173) using Lipofectamine™ 2000 (Cat. No. 11668-027).
Note: While transfection conditions have been optimized to allow highly efficient delivery of Stealth™ RNAi into 3T3 L1 cells, other factors related to the target gene of interest including the transcription rate of the target gene, the stability of the resulting protein, and efficacy of the Stealth™ RNAi sequence chosen can influence the degree of target gene knockdown observed. Take these factors into consideration when designing your RNAi experiment.
Use 100 nM Stealth™ RNAi (or siRNA) complexed with 2 μg/ml Lipofectamine® 2000 (stock solution is 1 mg/ml) for transfection. To increase accuracy and reduce assay variability, we recommend performing transfection in triplicate for each sample condition.
Transfect 3T3 L1 cells at 60-70% confluence.
Do not add antibiotics to the medium during transfection as this reduces transfection efficiency and causes cell death.
Use Opti-MEM® I Reduced Serum Medium (Cat. No. 31985-062) to dilute Lipofectamine® 2000 and Stealth™ RNAi (or siRNA) prior to complex formation.
Use this procedure to transfect Stealth™ RNAi (or siRNA) into 3T3 L1 cells using Lipofectamine® 2000 in a 24-well format. For other formats, see the table in Recommended Reagent Amounts and Volumes for the appropriate reagent amounts to add.
Tip: To reduce well-to-well variability when transfecting multiple replicates (e.g. triplicates), proportionally scale up the reagent volumes to form complexes (Step 2), then aliquot an equal volume of complexes into each well.
One day before transfection, plate 3 x 104 3T3 L1 cells in 400 μl of growth medium without antibiotics per well. Cells should be 60-70% confluent at the time of transfection.
Dilute 50 pmol of Stealth™ RNAi (i.e. 2.5 μl of 20 μM Stealth™ RNAi) in 50 μl of Opti-MEM® I Reduced Serum Medium. Mix gently.
Mix Lipofectamine® 2000 gently before use, then dilute 1 μl in 50 μl of Opti-MEM® I Reduced Serum Medium. Mix gently and incubate for 15 minutes at room temperature.
After the 15-minute incubation, combine the diluted Stealth™ RNAi and the diluted Lipofectamine® 2000 (total volume ~ 100 μl). Mix gently and incubate for 15 minutes at room temperature to allow complexes to form (solution may appear cloudy).
Add the ~100 μl of Stealth™ RNAi-Lipofectamine® 2000 complexes to each well containing cells and medium. Mix gently by rocking the plate back and forth.
Incubate the cells at 37°C in a humidified CO2 incubator for 16-24 hours as appropriate until you are ready to assay for gene knockdown. It is not necessary to remove the complexes or change the medium; however, growth medium may be replaced after 4-6 hours without loss of transfection activity.
To transfect 3T3 L1 cells in different tissue culture formats, vary the amounts of Stealth™ RNAi (or siRNA), Lipofectamine® 2000, cells, and medium used in proportion to the relative surface area, as shown in the table. Note: 20 μM Stealth™ RNAi or siRNA = 20 pmol/μl.


Lightly toast the pistachios in a large frying pan over a medium heat for 1–2 minutes. Leave to cool, then grind them as finely as possible.
Put the milk in a saucepan and heat. Add and 40g/1½oz sugar and heat until it has dissolved. Stir in the ground pistachios and allow the milk to come almost to the boil. Remove from the heat, cover, and leave to infuse for at least an hour, or overnight in the fridge if you can.
Strain the milk and pistachio mixture thoroughly, then reheat again to just below boiling point.
Put the egg yolks and remaining sugar in a bowl and whisk until light and mousse-like. Pour the infused milk over the yolks, stirring, then pour back into the saucepan. Stir on a very low heat until you have a fairly thin custard. If you are worried about the mixture curdling, you can set it in a bowl over simmering water instead.
Remove the custard from the heat and leave to cool. Cover and chill thoroughly, then pour in the cream. Mix, then gradually add the rose water, tasting as you go.
Churn in an ice cream maker, then freeze, covered, for 2 hours. If you don't have an ice cream maker, freeze the ice cream mixture, whisking regularly, until it is too hard to work. Serve with the candied rose petals.


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"A spring voyage to celebrate Iranian and American fusion"
Persian Arts Festival's 9th annual Nowrouz celebration headlined by acclaimed Iranicana Perso-Country band, Vatan, and featuring performances by mischievous and romantic singer-songwriter, Arian Saleh, and Persian folk master, Navid Kandelousi.
Vatan, or "homeland" in Persian, is a group of Middle Eastern-American musicians based in Brooklyn, NY. Blending the lines between Persian folk music and country, funk and rock, they revive classic tunes while building new ones.
While Vatan's band members, Mona Kayhan and Piruz Partow were raised and even born in the United States, they draw inspiration from their motherlands/home country. Through their music, Vatan honors their roots while celebrating the coming together of the cultures. The country underlinings honor America and what it has to offer those who come from anothercountry to start a new life while continuing to empower their heritage through music.
Piruz's Persian tar playing is known to seamlessly transition between brooding, Persian dhastaghs to country pickin'. While Mona's folky, jazz vocals bring a fresh edge to Persian classic love songs such as "Baroun, Baroun" and "Niloufar", she returns "home" with originals like "Woke Up" with the tar continues to pull them towards to their Persian roots.
Piruz Partow is a Brooklyn based musician, composer and educator who has dedicated much of his life to learning, writing, teaching, listening and supporting music. Primarily an electric and upright bassist, Piruz also plays a host of other studio instruments with his current interest in the Persian tar. He is a great appreciator of Persian classical music and is inspired by its improvisational nature given his extensive background in jazz.
Mona Kayhan has been a vocalist for as long as she remembers. Accolades include performing in a Broadway tour, multiple recording artist credits to singing with a number of bands in NYC. In an effort to reconnect with her roots, Mona founded the non-profit organization, Persian Arts Festival, which highlights Persian arts and culture through music, visual art, film and more. She continued her pursuit by taking Persian vocal lessons to marry her love of singing and her family's heritage. She soon met Piruz, who was looking for a vocalist with whom to start a Persian country band. The rest was history.
Vatan has played at various festivals and venues such as BAM Cafe, Le Poisson Rouge, the LIC Bar and the Hudson Terrace.
Navid Kandelousi studied western classical music at the Verdi Conservatory in Milano, Italy and at the Moscow Violin Academy in Russia. Kandelousi has mastered virtuosic skills on a great breadth of instruments including the Violin, Setar, Taar and Kamanchah, in addition to experience with Tombak, Santour and Gheychak. Throughout his professional career, he has collaborated with numerous prestigious Persian ensembles such as Iranian National Orchestra, and has performed internationally across Europe, Asia and America in venues such as Lincoln center, Julliard music school, Albert Hall, Sydney's Symphony hall and Vahdat hall. His teaching background include work at the Yamaha School of Music, Suzuki Violin School, and Master Classes in Kamanchah, Taar and Setar at the Julliard School. Navid is currently working with Maestro Danial Philips in Queens college of music.
Though Arian Saleh began playing all over Los Angeles in 2009, music has been a part of Arian Saleh's life from the beginning. The grandson of Monir Vakili, Iran's First Lady of Opera, and the son of acclaimed recording artist ZaZa, Saleh's unique sound is deeply rooted in a troubadour tradition and has a heavy emphasis on lyrics and melody, with nods to gypsy, tango, and electronic music.
After releasing "The Light", a song for the Iranian Green Revolution in 2009, he met with the Wizardz of Oz and began work on what would become his fist recording: "The Cobblestone EP". This defining group of songs went on to gain great audience and critical response, sending him around the country playing shows.
While on tour in New York, Saleh teamed up with virtuoso cellist Dave Eggar and luminary drummer Chuck Palmer and the three began playing and touring extensively as a trio. They, together with DJ/Producer Chuck Wild (Captain Planet) recorded and recently released Saleh's first full length album, Undone. The music video for the single "Underhill" premiered on The Huffington Post and the album itself has been described "like coming in and out of different worlds of music, guided by an incredible voice" and heralded as "one of the best out-of-left-field releases of 2013". Continuing the album's praise, "Open Your Mind Let Me Out" has been nominated for an Independent Music Award.
Also working as a composer, TINTO, a short film he scored, was an official selection in the 2014 Tribeca Film Festival.
Currently residing in Brooklyn, Saleh continues to play all over the country, writing honest, mischievous and romantic music that asks more questions than it answers.


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Cyberpunk 2077 will be powered by REDEngine, atmosphere will be exactly the same with the teaser trailer
January 11, 2013 John Papadopoulos	10 Comments
We know that you want to hear more about Cyberpunk 2077, so here you go. In an interview with Gametrailers, Cyberpunk 2077's project lead Mateusz Kanik has revealed that CDPR will be using an enhanced version of the REDEngine, the same engine that powered The Witcher 2, an engine that Mateusz described as a 'truly one of the best tools for creating RPGs' that allows them to make every role-playing title.
Of course it will not be the same engine per se. For example, The Witcher 2 did not have projectiles (albeit the crossbow), meaning thath CDPR will have to tweak and polish the game's physics on that area, as well as the ballistics.
Mateusz added:
"Character movement will also change – the witcher is a mutated human, but we'll have a whole system of cyber-implants, allowing you to modify your limbs."
This could very well mean that implants will affect the characters move and interact with the environment. Question is whether this effect will be similar to the one in Deus Ex: Human Revolution or whether CDPR will try to expand this aspect of the game, allowing for even more freedom.
Mateusz has also admitted that the game will retain the teaser's atmosphere as it really feels like what they are working on. Melee combat will also be present, as well as cyber-psychos. Cyber-psychos are people who lost their sense of humanity, because of too many cyber-modifications in their bodies.
Mateusz concluded:
"We will have aerial vehicles, the psychosquad, and all the weapons you saw are our modified versions from the rulebook."
Unfortunately, we might not see the chick of the teaser in the actual game, though Mateusz hopes that they'll manage to get her in. This obviously means that the game is still in very early stage and its plot (or characters) may not be the same with the teaser.
CD Projekt RED has also released a press release that describes some of the game's story and background.
In Cyberpunk 2077, the player will be thrown into a dark future. The metropolis of Night City is a stage set to tell the tale of one individual, raised on the streets, who tries to lift himself up from the gutter and find a way to survive amongst boostergangs and megacorporations in a city of filth and sin. Drugs, violence, poverty and exclusion haven't disappeared by 2077, as people stayed they were for centuries – greedy, closed-minded and weak. But not only ghosts of the past trouble mankind, but new issues have appeared. Psychos go on rampages and the streets are filled with junkies addicted to a new form of entertainment – the braindance, a cheap way to experience the emotions and stimuli of someone else, someone living a more exciting life.
Braindances are digital recordings of a person's experience. The viewer can stream a braindance directly into his neural system via special brain augmentations, called a BD player. Braindances allow the viewer to experience all brain processes registered, including emotions, muscle movements and all stimuli perceived by the recording person.
The range of themes of these recordings varies from simple braindances made by megacorporations, which e.g. allow the viewer to feel the full experience of an explorer with all its thrills, sweats, smells, views, sounds and the real feeling of curiosity that pushes men to go beyond the horizon against fear and physical weakness. But there are also more controversial sides of braindance, because some recordings are created illegally in the underground. Entering the mind of a serial killer means not only seeing the monstrosity he performs, but also living his lust to kill and fulfillment.
Cyberpunk 2077 will be released WID (when it's done) on PC, X720 and PS4!
CD Projekt REDCyberpunk 2077
Previous PostThe Walking Dead: Survival Instict – Release Date Revealed, First Official ScreenshotsNext PostCD Projekt RED: "Cyberpunk 2077 trailer represents the level of in-game graphics we are aiming for"


For companies who want to embed themselves as part of the program to make the biggest impact on attendees, we offer three sponsorship packages.
Exhibitors will have the opportunity to represent their company at ICDS and have face-to-face interactions with attendees.
Companies that are unable to attend ICDS can still connect with attendees with an advertising package.
Register to choose a sponsorship, exhibitor or advertising package.
If you need assistance with registration, contact Washington State University Professional Education at wsuconf@wsu.edu or 509-335-3530.
If you have questions regarding any of the packages listed above, please contact Matt McCluskey at mattmcc@wsu.edu or 509-330-2103.


Our mission is to make healthcare really simple. That includes everything from seeing a doctor and getting medication, to keeping your employer in the loop and making insurance claims. In 2012, we started a digital platform that integrates all aspects of healthcare into one easy-to-use solution. It connects patients to doctors, pharmacies, insurers and laboratories.
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Peter Ninemire is uniquely qualified to serve as Director of The Caring Center and work with individuals who have problems with drugs and alcohol and the mental health needs that often accompany these problems.
As an adolescent, Peter became involved using marijuana, and later the drug related lifestyle of using and selling marijuana and other drugs. This ultimately led to three marijuana-related convictions for cultivating and distributing marijuana, which culminated in a 27-year federal mandatory minimum sentence that he received in 1991. Peter served 10 years of that sentence in federal prison before the greatest day of his life, January 20, 2001, when former President Bill Clinton commuted the remaining 15 years he had left on that sentence.
Peter received word of his release from prison 15 minutes before President Clinton left office. He states that this all remains surreal to him today as he continues to live the dream that he was afraid to dream in prison, as he works with others to avoid the pitfalls that led him to prison. This all began with a chance opportunity to speak to a group of troubled teens who were on a youth education tour of his prison. In that instant, he got something in his heart that he knew no one could ever take away when he discovered that you truly can only have what you give to others. This was the hallmark of Peter's personal transformation in federal prison whereby he helped establish Jericho Road, a notable prison youth counseling program. He ultimately developed a curriculum and trained his fellow inmates how to communicate and get in touch with at-risk youth.
After Peter's miraculous release from federal prison in 2001, he moved to Salina, Kansas to be with family. He ultimately moved to Wichita, Kansas, in 2002, to be with more family and begin pursuit of a drug and alcohol licensure, so that he could begin to pursue his dream of working with at-risk youth as a free man. Along the way, Peter fell in love with social work and gained his master's degree from Wichita State University in 2006. He became a licensed clinical addictions counselor in 2008 and will soon become a licensed clinical social worker after accumulating over 5,000 hours of practice.
In the last five years he has worked with at-risk youth, parolees, probationer and others from many paths of life and avenues to their addictions. Many who have been involved in the criminal justice system state that Peter is the one person that has inspired them the most to change their lives, not only by what he has done with his freedom, but because along the way they felt that he was the one person who could most relate with their experience.
Peter's past work has included being the adolescent treatment supervisor at Adolescent, Adult Family Recovery, a substance abuse counselor/therapist with both the Wichita and Sedgwick County Day Reporting Centers before becoming the addiction treatment supervisor/mental health therapist for COMCARE with the Sedgwick County Drug Court.
In 2012, Peter opened his own addictions and mental health practice at The Caring Center of Wichita. He states that all of the previous experiences gave him the ability to start his own practice. The most rewarding aspect of that is having the latitude of being able to meet individuals from all walks of life and socioeconomic backgrounds where they are at in a non-judgmental individualized counseling experience. Please view treatment approaches that Peter and his staff take under on this website.
Peter must acknowledge a few of the many people who made the dream he is living today possible. That would include: Julie Stewart, president of Families Against Mandatory Minimums, who presented and supported Peter's commutation of sentence; Marilyn Trubey, the former Federal Public Defender who stood beside Peter during his 10 years of incarceration. (She told him at his sentencing that the length of his sentence was not right and vowed to "either get him out of prison or exhaust every remedy possible along the way". She obviously made good on every aspect of that promise). Steven Steinhaus, CEO of Counseling Inc in Ellsworth, Kansas who presented Peter with the opportunity to create the Wichita branch of Counseling Inc.
Lastly, Peter would like to thank his family and a multitude of friends for their support, encouragement and belief in him over the years before and after his release that allowed him to transcend the guilt, shame and fear that placed him third on the most wanted list in Kansas in 1990 to presenting a five-part training series he created on the neuroscience of addiction to the Sedgwick County District Attorney's offices in 2009.
It truly has been an amazing journey!


text:
MURTY CLASSICAL LIBRARY OF INDIA
Murty Classical Library of India 33
Poems from the Guru Granth Sahib
Translated by Nikky-Guninder Kaur Singh
5-1/4 x 8 inches
RELIGION: Sikhism
POETRY: Subjects & Themes: Inspirational & Religious
RELIGION: General
HISTORY: Asia: India & South Asia
POETRY: General
See all: Murty Classical Library of India
Nikky-Guninder Kaur Singh is Crawford Family Professor of Religion and Chair of the Department of Religious Studies at Colby College.
At the Murty Classical Library of India website, view a sample page spread, read a statement by the series editor, find links to press coverage, and more »
MCLI volumes are available in India in both hardcover and paperback from amazon.in as well as from leading bookstores and airport shops throughout the subcontinent.


FME looks to provide a smooth experience for physicians looking to become a QME, and provides full-service medical legal management for our QMEs and AMEs.
Disability evaluations in workers' compensation cases have unique issues for treating and forensic clinicians to address. With our team of experts we have a wealth of experience and knowledge avaliable to us, and we take advantage of that when helping physicians become a QME. When reviewing applications to join our group, we ensure the applicant fits our team and has the skills and knowledge that will add value to our group and the services it provides.
FME's physicians are widely respected by both applicant and defense bars and are frequently selected as Qualified Medical Evaluators and Agreed Medical Evaluators.
Our physicians are readily available and their evaluations are detailed, thorough, and solidly evidence based. Reports are based on reasonable medical probability and are considered substantial medical evidence.
The evaluations include appropriate psychological testing, address both parties' concerns, contain a thorough review of records, and address applicable labor code and case law.
Reports are based on reasonable medical probability and are considered substantial medical evidence. The evaluations include appropriate psychological testing, address both parties' concerns, contain a thorough review of records, and address applicable labor code and case law. FME's comprehensive and prompt reports help reduce case length, facilitate settlement, and reduce the need for supplemental reports and depositions. When supplemental reports or depositions are requested, our doctors and staff will rapidly respond to meet your needs.
FME ensures the evaluation process will be professionally handled by our dedicated and highly trained office staff.


We're less than two weeks out from Easter, so you might be looking for some Easter themed crafts to do for decor, or with your kids. Here are three that I've come across lately, that will get your creative juices flowing.
Print the free bunny treat box template on the color card stock of your choice, and follow the instructions to make these minimal but cute Easter candy treat boxes. Get the free template here.
This fun paper Easter Egg craft will help your little ones work on their scissor skills! Get the tutorial here.
Have your kids color their own Easter baskets! (Or color one for yourself!) Get the free template, print on sturdy card stock and go to town with markers or colored pencils. Download the free Easter basket here.
Thanks for featuring my Bunny Box template on your page!


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Wine Collecting
Whisky Collecting
Enjoying the UKV blog?
Saint-Emilion Vs Pomerol
Oct 26, 2020 1:53:00 PM / by Charles Agutter posted in Watch Videos
Tips For Collecting And Investing In Bordeaux Wine
Wine Sales Up, Winery Profits Down
Sep 21, 2020 11:09:49 AM / by Charles Agutter posted in Fine Wine Investing
As prices have become increasingly attractive in recent months, consumers are beginning to splash out on more expensive wines once again because there isn't much else to spend money on.
The pandemic has turned the the US wine market on its head as consumers embrace new buying habits.
While US wine sales overall are up, 57 percent of US wineries who responded to an executive survey say their own sales are down.
How is this possible? Big wineries are taking more market share at the expense of small wineries. This was one of many nuggets of information from the Wine Industry Financial Symposium, held online this week.
The executive survey conducted by Sonoma State University is an annual highlight of the symposium as it gives a snapshot of what individual wineries are facing, which cannot always be gleaned by looking at overall numbers.
For example, let's talk about prices, with help from Danny Brager, who now runs an independent consulting business after a long career at Nielsen. Consumers in retail stores are paying more for wine: the average price is $11.38 compared to $10.68. Moreover, the fastest-growing categories in retail stores are above $15, with wines between $20 and $25 particularly hot.
In wines ordered direct from wineries, however, the opposite is true: consumers are ordering a lot more wines this way, but they're ordering cheaper wines. In Napa Valley, the average price of a bottle ordered direct in the last five months is about $56, $10 less than a year ago, Brager said. And direct sales of wines over $150 have plummeted.
Moreover, the smallest wineries, fewer than 5000 cases, have struggled the most in selling wines directly to consumers, though these are the wineries that tend to be most reliant on doing so.
Despite, or because of, being surrounded by wines, Californians order fully 28 percent of all wine shipped directly from wineries. But since the pandemic started, the fastest growth of online wine ordering has been from three East Coast states: Maryland, Massachusetts and Pennsylvania.
A relevant topic with the uncertainty of the 2020 harvest is how much juice wineries have in inventory. The good news is that 35 percent of wineries in the executive survey said they are "long" on wine; i.e., they have more in stock than they can currently sell.
Brager said that the hottest varieties in terms of sales growth are Sauvignon Blanc, red blends (in the US, this generally means sweetish concoctions, not field blends), Pinot Noir, Cabernet Sauvignon and rosé. The growth in red blends isn't the sign of a pandemic sweet tooth that it might seem, however, because sales of Moscato and Riesling, which rose in the early days of the pandemic, have since fallen. Brager also said that while New Zealand dominated Sauvignon Blanc sales growth before the pandemic, California Sauvignon Blancs have done just as well during it.
Sparkling wine remains hot, and not just Prosecco.
"Champagne is having a great day in the (retail stores)," Brager said. "Domestic sparkling is growing quite strongly too. And people aren't shying away from higher-priced wines right now. People can't spend on trips, can't spend on sporting events, can't spend on entertainment. For insulated consumers who still have a job, they do have money to spend, and they do want to celebrate, albeit in a different way."
Wineries have noticed, as 28 percent said in the executive survey that they will be "betting resources" on sparkling wines in the next year, above any other category; intriguingly, 6.5 percent said cannabis.
Americans go big
In fact, Americans on average have actually had more disposable income during the pandemic, according to Kaumil Gajrawala, an equities analyst at Credit Suisse. Gajrawala said the early stimulus checks and additional unemployment insurance payments helped, and pointed out that sales of luxury home goods like Peloton cycles and $10,000 couches from Restoration Hardware are way up.
Gajrawala said a lot of big brands in beer and spirits that were losing market share before the pandemic have reversed that. Don Julio Tequila, for example, has more than doubled its sales, despite a large sales base to start with and a fairly high price point.
However, as restaurants reopen, they may not be able to take advantage of the large markups on wine they once used to balance the books.
"After months of buying wines at retail, consumers are more educated about prices than ever before," said Mel Dick, president of the wine division of Southern Glazer's Wine & Spirits, the largest wine distributor in the US. Dick called 2020 a "buyer's market" for wine.
Dick also said that wineries that own their own vineyards are in the best position if they need to reduce prices because they can create a second, cheaper, label using the same grapes without damaging their flagship brand.
The symposium concluded with Ben Dollard, president for the Americas of Treasury Wine Estates, introducing some of Treasury's plans for its wine business. Dollard played a video by Snoop Dogg, who is helping promote the 19 Crimes brand that is popular with younger men.
Dollard also revealed that Treasury will be releasing in China a BV wine from Bordeaux, because its BV wines have been selling well there.
BV stands for Beaulieu Vineyard, which is an actual vineyard in Rutherford in Napa Valley. So a Napa Valley brand, owned since 2016 by an Australian publicly traded company, will buy bulk grapes from Bordeaux to sell French wine in China.
Let me tell you something from my experiences judging at the Concours Mondial de Bruxelles, the world's largest wine competition – by volume, there is more horrible, undrinkable wine made in Bordeaux than anywhere else in the world. Yes, there's plenty of great wine in Bordeaux, but if you tasted the worst of Bordeaux as many wine professionals have, you would be extremely grateful for the gatekeepers (sommeliers and retail wine buyers) who don't bring these wines into the US market.
I asked Dollard where and how Treasury will get the grapes for its Australian Napan Bordeaux for China. He didn't answer with specifics but said: "The critical thing is that it hits the quality standard."
That shouldn't be hard, as no matter what goes into it, it will immediately be the best Australian Napan Bordeaux on the Chinese market, and quite possibly anywhere in the world.
Ten wines you must try!
Aug 18, 2020 12:43:42 PM / by Charles Agutter posted in Fine Wine Investing
Chateau Lafite-Rothschild, Bordeaux, France
Probably the most famous chateau in the world. The famous banking family of France has owned this vineyard since 1868. Considered the epitome of Bordeaux wine culture.
Romanée-Conti, Burgundy, France
One of the most expensive cult wines. The Grand Cru estate, owned by the Domaine de la Romaneé-Conti, is less than 4.5 acres. An average vintage yields around 5000 bottles.
Montrachet Domaine Leflaive, Burgundy, France
The vines of Le Montrachet yield the finest white wines in the world. Managed by a select group of renowned vintners, the Grand Cru vineyard measures 20 acres. The most coveted bottles come from superstars like Domaine Leflaive, which owns less than 0.25 acres of Le Montrachet.
Krug Clos d'Ambonnay, Champagne, France
A place of pilgrimage for Champagne lovers, House Krug was founded in 1843. Two extremely rare vineyard estate Champagnes are made here – Clos du Mesnil and Clos d'Ambonnay. The latter comes from a vineyard less than 1.7 acres in size and has been produced in 2000, 1998, 1996, and 1995.
Pingus, Ribeira del Duero, Spain
Danish oenologist Peter Sisseck established Dominio de Pingus in Ribera del Duero, Spain in 1995. Influential wine critic Robert Parker called the very first vintage "one of the greatest and most exciting wines I have ever tasted." – the prices went through the roof. The vineyard estate is less than 12.5 acres. Pingus is considered the rarest and most expensive wine of Spain.
Scharzhofberger Riesling Trockenbeerenauslese Egon Müller, Saar, Germany
Egon Müller is Germany's ultimate cult vintner. International collectors and connoisseurs know his Rieslings are worth every penny. Scharzhofberg wines are among the most coveted and best in the world. Only a few dozen bottles of Trockenbeerenauslese are made and sold exclusively at auctions.
Penfolds Grange Bin 95, South Australia
Penfolds Grange is the Australian cult wine that's second to none. Considered the first true "Premier Cru" of the Southern hemisphere, it was designated a heritage icon by the National Trust of South Australia on its 50th anniversary in 2001.
Barolo Riserva Monfortino Giacomo Conterno, Piemont, Italy
Many experts say the Monfortino is Italy's greatest red wine. This exceptional Barolo is only made in certain years, then ripened in a cask for 7 years before it is bottled. Its storage-ability is legendary.
Screaming Eagle Cabernet Sauvignon, Napa Valley, USA
California's contribution to our list of cult wines hails from Oakville. The 1992 vintage received an impressive score of 99 from Robert Parker. For 1997, 2007, 2010, and 2012, the Screaming Eagle scored a perfect 100. The stellar quality and very limited production run of 5000-8000 bottles per vintage made Screaming Eagle the most expensive wine in the USA. And the price might make you scream indeed…
4G L'Aube De La Vigne, South Africa
Winemaker legend Giogio Dalla Cia and "Pope of Wine" Denis Dubourdieu, who tragically passed away in July 2016, are behind this relatively recent project. Their objective? To make the best and most expensive red wine in South Africa's 350-year history of wine-making. Only 3000-4000 bottles of this rising star among cult wines are made per vintage. It found international recognition when it left several perfect 100 score superstar Bordeaux in its dust at a blind tasting event.
Bordeaux 2019 – A Buyer's Market
Aug 12, 2020 10:27:03 AM / by Charles Agutter posted in Fine Wine Investing
The 2019 Bordeaux en primer season—disrupted by the coronavirus pandemic—is now underway, and it's a buyer's market for a vintage that many consider to be very good.
The big news for serious wine investors, drinkers, and collectors is that prices of this vintage from the very best châteaux are for the first time in more than a decade being offered at substantial discounts of as much as 30% or more off release prices from a year ago.
Château Pontet-Canet kicked off en primer—the sale of wine futures—for the 2019 vintage on May 28, releasing it at €58 (US$65.60) a bottle, from the negociant (Bordeaux merchant)—a 31% discount from 2018. That release set the tone, with many top producers following suit. Château Mouton Rothschild, for instance, offered its wines at a nearly 31% discount to 2018 prices at €282 per bottle, ex-negociant, a similar price cut to that offered by Château Palmer, at €161 a bottle.
"If I'm a buyer in the U.K., sitting there in London, I'm buying everything at this price—it's clearly a buyer's vintage," says Nick Jackson, a master of wine and owner of the consulting firm Vintage Variation. "We haven't seen pricing like this since 2008. And the quality of this vintage is better than 2008 by all accounts."
Still, it's a complicated year. The situation for buyers in the U.S. is less clear cut, as Jackson alludes to, with tariffs on still wines imported from France subject to a 25% tariff. The tax was among several imposed last October on various products produced in the European Union in response to a long-running trade dispute over Airbus, based in the Netherlands.
Consumers who buy en primeur are securing wines that they won't receive until the wines are bottled and shipped two years later. It's a system that's been in place for generations, ideally designed to allow wine lovers and investors to get a better price on bottles that haven't yet come to market.
But in recent years, that premise has been undercut by high en primeur prices, causing many consumers and participants in the wine trade to lose interest in futures and to question the system's survival.
Avoiding "Death by a Thousand Cuts"
There are several reasons Bordeaux producers are cutting prices, at last. The most obvious is that this year, for the first time, en primeur, typically held at the end of March and early April, was canceled. That meant wine journalists, merchants, and consumers, who typically descend on the region, didn't get to taste the vintage, and critics couldn't release their influential scores.
But en primeur was facing headwinds from other corners as well, including U.S. tariffs and unrest in Hong Kong, the center of the Asian wine trade. And then there's the fact that many in the fine-wine trade were fed up with paying high prices for futures.
"I would love it if [the discounts] were also about the fact that the Bordelais realized they needed a bit of a reset after a few years of some pretty firm prices," Jackson says.
How to recession-proof your portfolio: restructure your investments in these uncertain times
May 18, 2020 11:59:57 AM / by Charles Agutter posted in Investing 2020
A recession like no other, needs a playbook like no other.
What should you do to get your investment portfolio in ship shape for the volatile times ahead?
Fine Wine - Preserving Wealth in Uncertain Times
Apr 7, 2020 12:42:14 PM / by Charles Agutter posted in Fine Wine Investing, Investing 2020
Sotheby's Wine generated record $118M at auction last year
Mar 10, 2020 12:42:10 PM / by Charles Agutter posted in Fine Wine Investing, Investing 2020
Wine and spirits auction sales exceeded $118 million at Sotheby's Wines, up 20 percent over the last year and a record high, revealing a healthy appetite among investors.
Can investing in Fine Wine see us through market uncertainty?
Mar 9, 2020 5:42:21 PM / by Charles Agutter posted in Fine Wine Investing, Investing 2020
In times of uncertainty and distressed markets, diversifying your investment portfolio reduces your risk - allocating investments among various financial instruments, industries, and other categories means you're not over exposed to any one asset.
Re-enter the Dragon: Ding Hong Returns with the Most Successful Wine Fund Ever!
Mar 8, 2020 9:59:06 AM / by Charles Agutter posted in Investing 2020
For those who don't know, Ding Hong was the most successful wine fund ever, and a 2nd phase has just been confirmed. The best performing wine fund has been dormant for 9 years, but its now making an exciting come back!
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Henry C. Frisby
Henry C. Frisby, 81, brigadier general
Henry Clifford Frisby, a retired National Guard brigadier general, former police officer and Montgomery County official, died Monday, Dec. 23, 2019. He was 81.
He was born on June 4, 1938, in Philadelphia. He was the second of six children born to the late Marie Ethel Hall and Samuel W. Frisby.
"Hank," "Butch" or "Friz," as he was known to his friends and family, was educated in the Philadelphia Catholic and public school systems. He graduated from Northeast High School and is listed on the "Wall of Fame" there.
He received bachelor's and master's degrees from Temple University and a doctorate in human resources management from Hamilton University. He also received numerous certificates and awards in education.
Frisby served in the Philadelphia Police Department for 20 years, becoming a sergeant and court liaison supervisor. He was director of EEO/EAP programs for Montgomery County and retired after 10 years of service.
He worked for over 40 years in the military, retiring as a brigadier general in the Pennsylvania Air National Guard and commander of the 111th Support Group at Willow Grove Air Reserve Station. In 1970, he was the first reservist to be honored as Outstanding Airmen of the year.
Frisby served in organizations including the Air Force Association and Guardian Civic League. He was board secretary of the Joseph J. Peters Institute, a board member of North Philadelphia Mothers Concerned, lieutenant governor of the Optimist Club of Lower Montco and a co-founder of Concerned Black Men. He received many honors for his work.
"Of all of Hank's jobs, he was most proud of being a father and a husband," his family said in a tribute. "He was always doing things for his children and grandchildren. He supported them in whatever endeavors they chose and always tried to push them in positive directions."
He is survived by: his wife, Marie; daughter, Alexis; son, Jason; stepchildren, Maria, Tommy and Rachel; 13 grandchildren; three great-grandchildren; and other family and friends.
Services will be held Jan. 3 at Wood Funeral Home, 5537-39 W. Girard Ave. Viewing is at 10 a.m. Services will follow at 11 a.m. Interment is at Valley Forge Memorial Gardens in King of Prussia.
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I uncovered several interesting articles addressing the issue. The first is from Rabbi Dovid Heber at Star-K Online, the Kashrut certification site.
Heber talks about the primary rabbinic interpretations of the dateline, each taking a different tack on the placement. Of course, the Jewish world centers around Jerusalem and that's where the line is based. He points to rulings by The Chazon Ish, Rav Yechiel Michel Tucazinsky, and the Mid-Pacific Poskim, including Rav Dovid Shapiro.
Various countries and islands are on either side of the dateline. By one ruling, conceivably people living on one side of a street might observe Shabbat on different days or avoid Shabbat altogether by crossing the street at the right time (of course, this was discarded by the rabbis).
In Hawaii, "Saturday" is Shabbos according to the Chazon Ish and the Mid Pacific Poskim. Therefore, the local Saturday is fully observed as Shabbos. (This is the day the small Orthodox Jewish community in Hawaii observes as Shabbos.) The day known locally as "Friday" is Shabbos according to the Gesher Hachaim, and one should not perform melacha d'oraisa on that day. Cooking for Shabbos should be done on Thursday.
The article offers a number of interesting scenarios for travelers.
The second article is by Margie Pensak at the Yeshiva World News. She analyzes the specific problem of Samoa based on Heber's article. So, what is the bottom line when it comes to keeping this Shabbos in Samoa?
Of course, one might want to follow the local minhag.


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Friends of the Mitchell Park Domes receives $2M for endowment
Posted by Curated Content | May 5, 2018 | Curated |
The Friends of the Domes recently announced that it had received a $2 million bequest from an individual donor, which would be added to the endowment in support of the Mitchell Park Horticultural Conservatory.
The earnings from the endowment will help fund projects and programs that benefit the Conservatory, with the initial and primary focus on expanding the adult education program administered by the Friends of the Domes. This program will complement the excellent student education offerings already provided by the Conservatory.
"We are thankful for the generosity of the individual who has made this lasting contribution in support of one of Milwaukee's iconic cultural institutions, the Mitchell Park Horticultural Conservatory," said Roger Krawiecki, Board President of the Friends of the Domes. "This gift will be instrumental in providing ongoing funding of projects and programs that enhance the horticultural significance of this institution and benefit the citizens of the Milwaukee area who are able to enjoy everything the Conservatory brings to our region."
Launched in 1964 by First Lady Claudia "Lady Bird" Johnson, the Domes attracted hundreds of thousands of visitors in their earliest days. The Domes themselves have stood for over fifty years, and have introduced millions of visitors from Milwaukee County and around the world to plants and environments far removed from Wisconsin's temperate forests.
"The Domes are more than a great place to visit. Like all of our County Parks, they are also an educational tool to help people learn about our earth, the life within it and how to be good stewards of our environment," said Chris Abele, Milwaukee County Executive. "I'm deeply grateful for this bequest and for all the supporters who help enrich our outstanding Parks system."
Milwaukee County Parks and Park People of Milwaukee
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Home News Rodanthe Bridge receives federal approval to move forward
Rodanthe Bridge receives federal approval to move forward
The proposed new bridge around Rodanthe. (NCDOT)
Public meetings will be held this summer
Raleigh – North Carolina has received approval from the federal government to move forward with planning of the Rodanthe Bridge.
The Federal Highway Administration (FHWA) approved the revised Environmental Assessment for the Rodanthe Bridge, a key step toward constructing a new permanent bridge for N.C. 12 in northern Rodanthe. N.C. 12 is a vital link for this region. The bridge on a new location includes a 2.4-mile-long bridge known as a "jug handle," extending from the southern end of the Pea Island National Wildlife Refuge over the Pamlico Sound into Rodanthe.
The project is one of two projects south of the Oregon Inlet that make up Phase II of the Bonner Bridge Replacement Project. The N.C. 12 Rodanthe Bridge project is considered Phase IIb.
The new bridge will be a long-term solution to keep N.C. 12 open through an area that in the past has dealt with severe storm damage. In 2014, a project was completed that used 1.6 million cubic yards of dredged sand to protect the highway until a new bridge can be built.
Following public meetings in January 2014, NCDOT changed its preferred option for a long-term solution in the Rodanthe area from the Bridge Within Existing N.C. 12 Easement Alternative to the Bridge on New Location Alternative.
NCDOT prefers this design over a bridge along the existing route of N.C. 12 because it minimizes impacts to the Pea Island National Wildlife Refuge, the ocean shoreline and the community of Rodanthe, while maintaining safe and reliable access for area residents and visitors to southern Hatteras Island. This alternative has been redesigned since the 2014 public meetings in order to minimize impacts within Pamlico Sound and to the Rodanthe community.
The NCDOT will begin soliciting public comments on the revised Environmental Assessment, and hold a set of local public meetings this summer to publicize the preferred alternative. The Department will partner with the FHWA to consider those public comments and identify the final selected alternative as required under the National Environmental Policy Act. A Record of Decision can then be issued concerning the route choice, which allows the NCDOT to award the project as early as this fall.
The bridge is estimated to cost between $179.3 million and $198.3 million. The project will be built using the design-build method, which allows the Department to contract a team that consists of both designers and a contractor to simultaneously design and construct the project. Projects can be let sooner and completed faster using this approach.
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People aged 65+ added to priority COVID-19 vaccination roll out
Ocracoke Preservation Society to hold online art auction
Ocracoke Health Center is pre-registering for the next group of COVID-19 vaccine recipients
Ocracoke Health Center se está preinscribiendo para el próximo grupo de receptores de la vacuna COVID-19
Snowy Owl returns to Ocracoke
Fred May 27, 2016 At 2:16 pm
Thus endeth the bypassed section of NC 12
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