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Home Tags Posts tagged with "american journal of primatology"
american journal of primatology
New primate species discovered in Borneo
A new species of small nocturnal primate has been discovered by scientists in Borneo.
The primate is a type of slow loris, a small cute-looking animal that is more closely related to bushbabies and lemurs than to monkeys or apes.
Uniquely among primates, they have a toxic bite, belying their appearance.
Two previously known subspecies of slow loris have also been accorded full species status.
Details of the discoveries are published in the American Journal of Primatology.
The new species of slow loris, named Nycticebus kayan, has gone unrecognized until now, in part due to its nocturnal lifestyle.
Animals that are active by night often rely less on visual clues, and can therefore appear more similar to one another.
So the scientists had to look hard to discover the differences between the new species.
An international team of researchers, led by Professor Anna Nekaris of Oxford Brookes University in the UK, and Rachel Munds from the University of Missouri in Columbia, US, surveyed slow lorises living in the forests of Borneo and the Philippines.
They focused on studying the primates' facial markings, which take the appearance of a mask, with the eyes being covered by distinct dark patches and the heads by varying patterns.
The primate is a type of slow loris, a small cute-looking animal that is more closely related to bushbabies and lemurs than to monkeys or apes
This research has revealed there are actually four species of slow loris in the Philippines and Borneo, each with their own, subtly different but distinct head markings.
Originally there was thought to be just a single species, called N. menagensis.
Two of these new species, N. bancanus and N. borneanus, were previously considered subspecies of N. menagensis.
While, N. kayan, is new to science.
"In Borneo in particular, from where three of the new species hail, this will mean that three new lorises will be added as threatened to some degree on the IUCN Red List of threatened species," says Prof. Anna Nekaris.
"With more than 40% of the world's primates already threatened with extinction, this brings the toll even higher."
Outside of Borneo and the Philippines, four other slow loris species are known, living across south and southeast Asia.
All have a difficult relationship with humans.
They are the only primates with a toxic bite, secreting the toxin from glands in their elbows.
Slow lorises lick this toxin, and mix it with their saliva. They then use it when they bite, or to coat the fur of their offspring, possibly as a way to deter predators from attacking their young.
The toxin is powerful enough to potentially cause fatal anaphylactic shock in people.
But the slow lorises' cute appearance also makes them a favored target of the pet trade.
Captured animals often have their canine and incisor teeth pulled out before being sold on as pets, in a bid to protect their potential owner.
Harming the animals this way, though, can quickly lead to their death, as the toothless primates are unable to feed properly.
The discovery that more slow loris species exist also has implications for their survival.
"Well-meaning groups rescue lorises and rarely follow proper guidelines when releasing them back to the wild," says Prof. Anna Nekaris.
"That means that the wrong species of loris has found itself in many a new place throughout Asia, if they have survived the traumatizing practice of hard release to the wild in the first place."
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While many of you call me Ginger, or Ginge or some even refer to me by my maiden moniker, Sinsabaugh, Byt my Chinese students call me Mai Lao Shi or Hamburger Teacher.
And this week, I had a lot of lessons beyond pickles and sesame seed buns.
For instance, the fourth graders. Thanks to them, I had to learn that a turtle in any other language is not just a shelled creature that outwits a tortoise, but a vulgar insult. Eggs is up there too, being another insult referring to slow and stupid. And being called turtle eggs? That's enough to get one's mouth washed out hot sauce.
So for class this week, I'm incorporating a lot of the words students are learning about Coming of Age, Rituals and Initiations. We will have an initiation with rituals to become older and wiser students –now nine, who will make a vow not to bully.
Part of the ritual will be eating a tea flavored Oreo cookie ( a favorite) stuffed with a flaming hot pepper.
Then, I inherited another student. His name is Ng. I know, a name without vowels. Ng is the son of a young guy named Eu. The pronunciation of his nams reminds me of the sound the clarinet players would make in band practice while wetting their reeds. Eu sold me a new computer last spring. He gave me a sweet deal, just three hundred bucks and fully loaded with every software you can imagine, including a few programs that were yet to be released in the States.
Eu invited me over to dinner last week when I made a trip to his store. (Every time Microsoft decides to do automatic updates, my bootleg English language settings switch back to Chinese). Eu made a gracious offer to invite me to dinner to meet his wife and son. He was such a hard worker that went the gigabyte, I had to say yes.
Eu drove me to his home in Kunming, way up in the hills on the north side. In Chicago terms, that would be like schlepping to Des Plaines from the Sears Tower then back again to bring me home. When I walked into their small apartment, Eu's young wife had made a big spread of food, more than what I could eat in a week. I was as touched as I was full.
I heard the pitter-patter of little feet come out of the bedroom, belonging to a toddler wearing split pants and a big smile.
I was touched, not that they thought I was the Anne Sullivan of English teachers, (being able to perform miracles with their son the way Miss Sullivan did with Helen Keller), I was touched by how much Eu and his wife loved their son. They knew English would change the course of his life. English is the new currency in China and Eu thinks I'm Chase Bank.
Meanwhile, I check out blips about Chicago Public Schools on the internet. The continuing saga of pending strikes and low test scores. Girls who can't even read the directions on the box of birth control.
Now I'm not paid much teaching English in China, but it's definitely more rewarding than sitting through a client meeting debating if a new cereal should be described as crispy or crunchy in their advertising.
Even if my students call me Hamburger Lao Shi. At least their not calling me turtle eggs.


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HERE'S WHAT THE SUN LOOKS LIKE FROM EVERY PLANET IN OUR SOLAR SYSTEM
Our beautiful Solar System is a seriously beautiful place. Whether it's the pockmarked massive volcanic surface of Mercury, the dusty crimson plains of Mars, the beautiful rings of Saturn, or even the blues and viridians of our own world, it's a diverse place full of remarkable sights and natural wonders.
We'd be nowhere without the Sun, mind you, and a series of truly stunning visualizations of our local star – as seen from each planet, and poor demoted Pluto – by artist and illustrator Ron Miller serve to remind you of this fact. He's spent more than 40 years illustrating the dark realms of space, both near and far, and has come up with the most realistic depictions of the Sun as seen from these far-flung worlds as possible.
"I've taken care in not only making sure the Sun is depicted realistically, but also the surfaces of the planets and satellites as well," Miller told IFLScience.
Despite the fact that Pluto is, at its most distant point, 7.5 billion kilometers (roughly 4.7 billion miles) away from Earth, the Sun still looks particularly bright.
"While the Sun is smaller, it is still an immensely brilliant source of light," Miller added. "The light levels on the surfaces around you [on Pluto] would be dusk-like, but the sun itself would still be a very bright object – just a small one."
Thanks to the laws of physics, the brightness of the Sun is equivalent to the square of the relative distance from it. So if you are now half as close to the Sun as you originally were, the apparent brightness would be a quarter of what it originally was. (1/2)2 = 1/4, see? This means that the brightness of the Sun drops off dramatically the further away you get from the Sun. The fact that even by the time you get to Pluto it's still bright is a remarkable testament to the sheer power of our nearest thermonuclear stellar furnace.
Mercury, which is 58 million kilometers (36 million miles) from the Sun
Venus, which is 108 million kilometers (67 million miles) from the Sun. As depicted here, the planet is covered in pancake volcanism and a suffocating, carbon dioxide-rich atmosphere
Earth, which is 150 million kilometers (93 million miles) from the Sun. If you've ever seen a solar eclipse, this sight will be very familiar to you
Mars, which is 228 million kilometers (142 million miles) from the Sun
Jupiter (seen from the moon of Europa), which is 779 million kilometers (484 million miles) from the Sun
Saturn, which is 1.43 billion kilometers (889 million miles) from the Sun
Uranus (seen from the moon of Ariel) which is 2.88 billion kilometers (1.79 billion miles) from the Sun
Neptune (seen from the moon of Triton), which is 4.5 billion kilometers (2.8 billion miles) from the Sun. Cryovolcanic geysers cloud the horizon
Pluto, which has a highly elliptical orbit, is an average of 5.91 billion kilometers (3.67 billion miles) from the Sun

redpajama_set_name: RedPajamaCommonCrawl


IS THE PUPPY STILL AVAILABLE?
Any dog/puppy that is listed on our website, Petfinder, Adopt a Pet, or RescueMe.org is still available for adoption. If we have approved an application and received a deposit, the puppy will be marked adoption pending.
CAN I COME PICK OUT A PUPPY ?
When we rescue puppies they are quarantined for 3 weeks so we can evaluate their health. You can not meet our puppies until they are out of quarantine and you must have an approved application. However many puppies may already have a deposit and may not be available.
HOW MUCH IS THE DEPOSIT TO HOLD A PUPPY?
A deposit will hold your puppy until you can pick it up when it reaches 8 weeks of age or older. $50 will hold your puppy, and we will mark the puppy adoption pending and stop taking applications. You can pay via PayPal once your application is approved. If you come on adoption day and decide not to adopt your deposit will be refunded. We will not hold puppies without a deposit.
WHAT IS YOUR ADOPTION CRITERIA FOR PUPPIES?
1) We rarely adopt to renters. We have this policy because owner surrenders are the highest with renters. Renters are at the mercy of their landlords. If the dog barks or disturbs other residents the landlord may demand the dog leaves. When tenants move not all landlords accept pets, and many dogs are surrendered to shelters because the owner could not take the dog.
2) We normally don't adopt puppies to households with children under the age of 5 , however this will depend upon the puppy, the age of the puppy and the child.
3) We will only adopt puppies to families who have the time to socialize and train the puppy. Puppies need to be let out every 2-3 hours for exercise, companionship , and potty training.
We will adopt out of state on a case-by-case basis…. In most circumstances, we will only adopt to neighboring states. We do not ship dogs.
All of our puppies are litter box trained. We use dog litter not cat litter. This is not a substitute for training your puppy to go outside, however it makes the transition easier to manage. Our puppies are not crate trained… we don't believe in that. All puppies need a puppy pen to give them an adequate area to play, potty and eat.


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Sarah Forster
2017 Storylines Margaret Mahy Day
Storylines Children's Literature Foundation has given awards for local children's literature since 2000, named for some of our most distinguished authors, both living and dead. All images below are courtesy of Crissi Blair.
This is the first time I have made it up to Auckland for the presentation of the Storylines Awards, this year incorporating the Joy Cowley Award, the Tom Fitzgibbon Award, the Gavin Bishop Award for Illustration, and the Gaelyn Gordon Award for a Best-Loved Book – and, of course, the presentation of the Margaret Mahy Medal (est 1991) and the associated Lecture, this year given by recipient Des Hunt. The Margaret Mahy Medal is our local equivalent to the Hans Christian Andersen Medal, honouring our best-known, beloved tellers of tales. (Tessa Duder has written a piece for The Sapling about each of these awards, to be online soon.)
The crowd for the Awards, Tessa Duder front right.
The day opened with a Lifetime Membership of Storylines being awarded to the extremely deserving Libby Limbrick, for her 30 years of service with Storylines NZ/Children's Literature Foundation of NZ. This is only the seventh Life Membership ever awarded. Tessa Duder had the excellent job of awarding it to her friend of 55 years, met by a standing ovation for Libby as everybody in the room knew just how well she has led Storylines in pursuing their aims over the years.
There was a murmur of surprise as no overall prize was given this year for the Joy Cowley Award for a picture book text. Penny Scown noted that Kyle Mewburn's 2006 book Kiss Kiss, Yuck Yuck is still the most successful Joy Cowley Award-winner to date – there are over 160,000 copies now in circulation. Penny noted that of the 176 manuscripts submitted, 90% of them were rhyming texts, yet rhyme is extremely hard to do well and not essential for a successful picture book text. If you wish to enter next year's award, there are tips on Picture Book writing from Joy Cowley on the Storylines website.
... rhyme is extremely hard to do well and not essential for a successful picture book text.
One of my favourite of the Storylines Awards is the Tom Fitzgibbon Award for an unpublished novel. This frequently pushes up writers to watch: Leonie Agnew, for instance, is now an established and prize-winning novelist; and 2013 winner Juliet Jacka has recently published a junior fiction series with Penguin Random House.
Christine Walker at centre, Rob Southam at right.
The prize for 2017 went to Christine Walker, for The Short but Brilliant Career of Lucas Weed, which Rob Southam, on behalf of Lynette Evans, noted was 'fast-paced, with well-developed dialogue' – and an irresistible title. Christine is a Community Librarian, a lifelong reader and 'a great believer in the difference books can make to a life.' She completed her manuscript in the final eight weeks before it was due, by 'coming home and writing 1,000 words a night' – a feat that made all the experienced authors in the room sigh in envy. Her dream was always to be first a librarian, then an author.
We have already published an interview with the prodigious 19-year-old Lael Chisholm, who won the Gavin Bishop Award for Illustration. There were seven other finalists, all female.
Lael Chisholm receiving her award, Libby Limbrick in background.
The legendary Pamela Allen was the recipient of the Gaelyn Gordon Award for a Much-Loved Book. This award is for a book that has stood the test of time, but never received any awards on its publication. Mr McGee was published in 1986, and was only her fifth book. She said, 'I gave this book to three-year-old Jessie Maynard, and a few months later was invited to read to her and a friend at bedtime. They knew every word, and joined in at the end of each sentence. It was extremely gratifying.' It was wonderful to see Pamela out, as she has been pulling back from public life since I've been in the kids' lit world.
It was then time to see the winners of the Storylines Notable Books Awards file up: there were a few under-represented categories, particularly young adult fiction, but Crissi Blair had to do a bit of fancy photographer bunching to get all of the Picture Book winners in the frame.
The final duty for the first half of the meeting was a launch for Anne Kayes, who won last year's Tom Fitzgibbon award for Tui Street Tales. The cake looked marvellous.
Penny Scown and Anne Kayes
Des Hunt's Margaret Mahy Lecture
I have counted Des Hunt as a friend since taking him, Kyle Mewburn and Fifi Colston on a the sky is the limit when you read tour to the West Coast (my home ground) in 2008. I was lucky enough during that tour to sit in on some of Des's sessions with primary school and intermediate-aged kids. His box of tricks and toys is almost equal to those of any street magician; and he tells stories and write books to boot. Seeing him take the stage for this prestigious lecture was wonderful.
Des began by telling us about his first case of stage fright in years, at a True Stories Told Live event run by the Book Council at the Hamilton Gardens Art Festival. He realised later what his problem was: when he goes to a school, he creates his own environment with his props – like Margaret Mahy did with her wild wigs, badges and scarves. Up there that day, he had nothing but himself to rely on. So he decided to create a tokotoko – something easy to carry with him on visits, inspired by a visit to a marae when he was a student.
... he creates his own environment with his props – like Margaret Mahy did with her wild wigs, badges and scarves.
Throughout the lecture, he mounted totems on his tokotoko to explain parts of his life as a storyteller. Some were expected, predicted by the themes in his books: a gecko, for his first published novel; a frog, for another book; a beautiful poppy, for his book out next year; a kiwi, for his nature focus; a kiwi and pukeko fighting for ascendancy as New Zealand's number one bird... and then there were the less predictable totems. A cow, given to him by his house captains at Rosehill College after 30 years' service. And an empty glass drink bottle.
Des Hunt with his medal.
This totem saw Des spin a story of his childhood in Palmerston North. Aged 12, he and his mate had gone adventuring (on their bikes, smoking cigarettes) to an old, abandoned-looking house at the edge of town. There were two sheds on the property: one locked tight, the other slightly ajar. So they went in. It was an old carriage house, complete with carriages. Knowing carriage lights often had Carbide in them (Des was a know-all with a special interest in science), he went hunting around for some to make stink bombs at school. But, instead, he found empty glass bottles, which you could trade in at the local shop for money: four would get you enough cash for a ten-pack of cigarettes.
By the time he got home, the cops were waiting for him. They knew he had bottles – the neighbour of the house had dobbed them in – and the owner thought he'd left strychnine in one. Not one that he had, but Des was aggrieved he hadn't even got home before they were onto him. Pondering that now, he realises that it meant a caring community looking out for him. Everybody knew everybody's business. They kept an eye out. Des embraces this in his books: his characters have absolute freedom of movement and expression, because they are within the safety of the village.
... his characters have absolute freedom of movement and expression, because they are within the safety of the village.
Des's first book wasn't actually a novel: he started out writing science resource books for Physics and Chemistry, back in 1972. He explained that thanks to a terrible teacher in English, he never got into writing at school – the teacher he co-wrote his resources with had to teach him how to write clearly.
Des's books bring science and the environment into action stories. His idea was to write for boys specifically, but it wasn't long until he realised his audience were both boys and girls: and his books worked very well as read-alouds. This forced him to be strict with himself in terms of story structure. His chapters are all pretty close to being the same length. Each of them can be taken as a capsule story, as well as giving a 'what comes next' feeling to the reader; and every story has a clear beginning, middle and end.
Des talked a little about how much kids – all kids, no matter the age – enjoy being read to. He spent 90 minutes with an assembly of Year 10s, and he'd run out of all of his tricks with 15 minutes to spare: the teacher suggested reading to them. So he did, and the act of listening to the same story settled them, gave them a shared experience.
'Start with a stink, end with a bang'
Des used the rule 'Start with a stink, end with a bang' in his science classes while teaching; he uses it in his school visits, too. And he realised that this was the story arc. He had been using the story arc to teach classes for as long as he was a teacher. Another totem read 'imagination of a child and wisdom of an adult' – another useful thing to keep in mind when writing for children.
The final totem was one I always associate with Des: a bomb with a radioactive symbol on the front, for Cool Nukes. With a bit of mouth freshener, this (eventually) delivered his bang.
I think by the end of the lecture, the crowd were in agreement: Des Hunt was a very worthy recipient of the Margaret Mahy Medal and Lecture. Thank you to Libby Limbrick and the Storylines committee for putting on a great set of awards, with a wonderful talk at the end.
Here are a few Des Hunt books to check out with your family: Sunken Forest (Scholastic NZ) $18.00 Buy Now
Deadly Feathers (Torea Press) $20.00 Buy Now Cool Nukes (Scholastic NZ) $18.00 Buy Now Project Huia (Scholastic NZ) $18.00 Buy Now
Editor of The Sapling, and Media & Communications Manager at Booksellers NZ, Sarah has worked in the book industry for the past 11 years. She ran the Writers in Schools and other education programmes for the NZ Book Council for 7 years, and knows exactly how awesome our Kiwi writers and illustrators are. Sarah is from the West Coast, and lives in Wellington.
#margaretmahyday #storylinesChildrensLiteratureFoundation #CrissiBlair #JoyCowley #TomFitzgibbon #GavinBishop #GaelynGordon #LibbyLinbrick #Penny #Scown


I have a site segmented in modules and lessons. In need to display the categories according to there lesson order. Right now they are out of order.
How would I change the order the categories are being displayed in the submit question drop-down menu?
The widgets.php lines 235-272 handle the display of the categories you would have to change the order by to whatever you wanted.
We need more then just alphabetical sorting control. We need to be able to put the categories in their linear order according to the structure of the training modules.
It will still need some custom coding, I have tagged our developer and hopefully he can point you in the right direction.
The sample you have given is for the category widget and it is already sorted by name.
So you ask a custom order, is that right?
This is not possible at the moment. I will add a filter in the future where you can change as you wish.


Home / Indonesia / Short Wander to Komodo National Park and Bena Village!
I wanted to go for a getaway once again as a closing trip to my long-long holiday, to the amazing year 0f 2016 and to celebrate my new employment. Yes, I've got a job already, and it starting very soon!
Actually, when I came back from Australia, I did bought my ticket from Sydney to Labuan Bajo, with an overnight transit in Bali. I was planning to spend few days in Labuan Bajo, but since I had to take care of my Schengen Visa immediately, I decided to cancel it and spent time in Bali for few days then come back to Jakarta.
Now that I still have chance to visit the national park, then lets do it! Though it will be a very short getaway and a bit different than I expected. I mean, I always wanted to do Live on Board in Komodo, unfortunately this time I only have 4 days 3 nights to go to the National Park as well as the traditional village. So yeah, maybe next time.
It's kinda tricky to make the itinerary though. I've always thought it's impossible to visit Komodo in such short period of time. And now I have to add traditional village visit in the same period? Err… well I made it anyway.
I took direct flight from Jakarta to Labuan Bajo, with Garuda Indonesia- the only airline that serve direct flight from Jakarta to Labuan Bajo. Arrived at noon and got picked up by the hotel which surprisingly located only 5 mins away from the airport.
I stayed at Sunset Hill Hotel. From it's name, it's obvious that this is the great spot to catch the sunset. Well, I liked the hotel. The best point from the hotel lies to the balcony in my room (every room) that facing the ocean. Pretty much outweighs it's location that kinda far from the city centre. I had to spend IDR 50,000 to go to city centre one way! Imagine if I need to go back and forth for 2 days, it will cost me IDR 200,000! Puh!
After checking in, I went out to the city centre to get lunch and find a tour for island hopping on the next day. FYI, for a shared tour, you can arrange the route yourself. Since I only have 1 day, I settled with the most highlighted part in the National Park *based on survey* which is Padar Island – Komodo Island – Pink Beach – Manta Point.
Needed a lil effort to find a right tour with a right price. Yep, I need to show off my bargaining skill to many tours along the main road in Labuan Bajo. The prices were vary from IDR 350,000 – 700,0000. I finally opted the one with IDR 400,000 because it includes pick up to my hotel, as our boat will leave extremely early in the morning (read : 5 am).
My first sunset I enjoyed was in Le Pirates Restaurant. Here, the sunset can be enjoyed from the restaurant balcony on level 2 or from a tiny pool on level 3. I would recommend this place to stay too. Though the room will not as spacious as the one in Sunset Hill, nor have the balcony. But at least, it has a good location in the heart of the city.
Padar Island was the first stop on today's islands trip. I spent nearly 1 hour to get to the top and cherished one of the most breathtaking view in my life. FYI, the trek was not difficult, just medium. Better use proper trek shoes though! I used flip-flop and it was irritating to get slip many times.
From Padar Island, we continued sailing for 1,5 hour to get to Komodo Island. Soon as we arrived, we register ourselves and buy the ticket in the office. I'm sorry but I was very disappointed towards the 'very-traditional' ticketing system in Komodo. Helllooo?? In the year of 2016, and as a tourism spot that fully supported by the government, why on earth they still use and count the ticket price manually – with a calculator ??!
Anyway, at the end this was the price we pay : IDR 70.000 for locals and IDR 240.000 for foreigner.
We took a medium trek, which is not bad. Basically I didn't want to have so much hope to see the dragon in the island. My research says that the right island to find Komodo is actually in Rinca, not in Komodo Island. But, since most of our destination today lies around Komodo Island, so here we are!
But it wasn't bad, really. I got to meet few of them on the trek. Please manage your expectation of the dragon. They are not that huge, doesn't have wings and doesn't do fire-licking. They are just a giant lizard – a quiet dangerous giant lizard. Don't get too close I warn you!
After spending for about 1,5 hour walking through the medium trek, off we went to Pink beach which also lies on the other side of Komodo Island. Again, do not set your expectation too high. The beach is not gonna be pink – pink. Though, when you hold the sands with your hand, you will see the pink grains clearly.
It was around 2 or 3 pm when we heading to the last destination – Manta Point! I would say that was the highlight of the trip!! Right after our boat stopped, we could see some mantas swimming gently on the surface around our boat! Whooaaa, I joined them right away – for sure! Though the visibility was not that good, but I still can see them super clear since they were so many and so big! Probably there were dozen of them! I was incredibly happy and excited to chase them around. They were too adorable to be true!
We came back to the main island accompanied by sunset on the sea! Oh, if you happened to have dinner in the city, please manage to taste the street seafood in the market! You won't be disappointed!!
Other place that I wanted to visit in Flores besides Komodo National Park is it's authentic village!! There are many of them on this island. The most popular one is Waerobo which located in Manggarai. But it needs more than 5 hours to access the village by trekking. Definitely did not suit my time situation. So I tried to find another option which was Bena Village. It is further if compared to Waerobo (from Labuan Bajo), but the access to get there is still make sense to my timing. No hours of trekking required, all I need is just to get a flight and rent a bike!
Yet that was my shortest flight ever. Ever! It took 15 mins for take off process, then 15 minutes flight, then another 10 minutes for landing. Funny huh!? I didn't even have time for napping.
It is possible to walk down to Bena Village from the B&B but I don't suggest you to. Because It will take maybe 40 mins by walking – I guess. I rent a bike only as reasonable as IDR 100,000 for a day. There are a lot of village nearby, but I only visited 2 of them, Luba and Bena. Both of them situated just within 500 m to each other. Not so much different between those 2, only Bena is way bigger.
The people were really nice, they would happily talk to you and answer all your curious question about the village. Once, there was an old lady keep waving at me from afar, asking me to come over to her house. When I finally got at the front of her house, she hug me tightly, hold my hands, and hand me a tiny pineapple while giving me bless. So cute!
Before going back to B&B I continued the ride to Malanage hot spring. This hot spring is famous for both hot and cold current. You will be able to find a super hot water on some part of the river, while the water next to it is incredibly cold. You gotta find the perfect spot of mixed water somewhere lower. Cool, eh? I got there on the late afternoon, joining locals for a quick dip in the river. Then headed back to the B&B before dark.
Woke up early to enjoy this stunning view on my breakfast and had a quick visit to Manulalu view point before going to the airport. Just 2 mins walk from the B&B!
Beyond happy that I did this trip!


THE RUSSIAN STATE HAS EMERGED from the Soviet era dominated by an ethnic group, the Russians, whose language prevails in most educational and government institutions, and a religion, Russian Orthodoxy, that is professed by the vast majority of those citizens who admit to a religious preference. In some respects, Russia's relative homogeneity in language and religion is the result of the uniformity imposed by Soviet rule. As they had in the centuries of tsarist rule, Russians continued in the twentieth century to occupy a percentage of governing positions disproportionate even to their lopsided ethnic majority. Enforced use of the Russian language was a chief means of preserving Moscow's authority in the far-flung regions of the Russian Republic, as it was in the other fourteen Soviet republics. Although it was not spared the persecution meted out to all faiths practiced in the Soviet Union, Russian Orthodoxy retained its preeminence among religiously observant Russians throughout the seven decades of officially prescribed atheism.
The issue of language diversity has risen in parallel with issues of local sovereignty. The Russian language retains its traditional dominance in official communications and in the education system; however, the increasing unofficial use of the federation's many minority languages shows that they survived Soviet repression with the capacity to flourish anew as the central government's power has diminished.
In the 1990s, Russians continue to constitute the largest ethnic group in all but a handful of the Russian Federation's nominally ethnic republics, but leaders in many of the republics and smaller ethnic jurisdictions have pressed the central government to grant measures of autonomy and other concessions in the name of indigenous groups. The breakaway Republic of Chechnya has taken the process to its furthest extreme, but in the mid-1990s other republics--in the North Caucasus, Siberia, and the Volga and Ural regions--were pushing hard to achieve the local autonomy to which Soviet governments had only paid lip service.
Meanwhile, the Russian Orthodox Church, long forced to rubber-stamp the cultural decisions of Soviet governments, has moved rapidly in the 1990s toward a more balanced partnership in the governance of Russia's spiritual and secular life. Post-Soviet Western influences have brought new variety to the spectrum of religious practice, but the loyalty to Orthodoxy of average Russians and of the Russian government has become clear as the church has added millions of professed believers in the 1990s and the government has sought church advice on many critical decisions. This renewed alliance has posed a challenge to the freedom of religion nominally guaranteed in the 1993 constitution.


One of my favourite things paired together, bacon and potatoes. This month's Onja challenge was the word 'Texture'. After much thought, I settled on some potato skins filled with cheese and bacon. These are perfect to serve as a starter or part of brunch spread.
I'm back with yet another quick and tasty way to revamp your leftover rice. This time round I chose to use broccoli and sausage. For the sausages, I removed the casings to use the sausage meat.


text:
Experts urge less focus on antioxidants, more on variety
Tired of trying to keep track of all the so-called super foods you're supposed to eat?
You know, oregano that packs 42 times more antioxidants than apples, cooked tomatoes that may prevent prostate cancer, and chocolate and wine that may or may not be health foods?
Then here's the good news -- you can stop trying. Leading researchers say all those breathless headlines, food packaging claims and seemingly contradictory studies about what antioxidants can and can't do have fostered a faulty silver bullet mind-set that can hinder health more than help.
Instead, experts advise focusing on balance, moderation and variety, and leaving the phytochemicals, flavanols and phenolic acids to scientists.
Foods labeled as antioxidant-rich -- everything from bottled tea to bags of frozen berries -- have become a $526 million industry that continues to grow. Even foods that otherwise have seen sales slump are getting a boost from antioxidant claims. Sales of blueberry preserves, for example, are up, though overall jam sales are down.
"It's clear that regardless of whether or not people understand what 'rich in antioxidants' means, it is certainly a logo or a stamp that says 'Buy me! I'm going to help you live forever'.
Maybe. Maybe not. Experts aren't suggesting antioxidants aren't important or that people shouldn't eat foods that contain them. Instead, they're saying not enough is known about how they work to justify focusing one's diet on any particular antioxidant or food.
It's all about quashing free radicals, harmful chemicals produced by the body and found in the environment that damage cells. That damage has been linked to a host of chronic conditions, from heart problems to cancer, even aging.
Diets rich in antioxidants -- which are in countless foods -- seem to minimize this damage. What's not clear is whether that benefit is due to the antioxidants themselves or to the overall diet and the way the antioxidants and other nutrients in it interact.
The evidence increasingly suggests the latter, says Howard Sesso, a professor of medicine at Brigham and Women's Hospital in Boston. That means eating patterns make a difference, but probably not eating particular foods or taking supplements.
Also unknown is whether quantity counts. Manufacturers brag about the amount of antioxidants in their products, but studies have yet to establish that more is better, or whether the body can even absorb the amounts contained in most foods.
There's probably not much harm in eating a lot of blueberries, but that can't be said of all antioxidant-rich foods. The calories in fruit juice and alcohol, for example, add up quickly and obesity negates the benefits of even the healthiest foods.
In other words - eat a balanced diet and don't get hung up on the particulars.


text:
Elizabeth Warren Reintroduces Bill That Gives Reparations to Same-Sex Couples
Last week, Senator and Presidential candidate Elizabeth Warren reintroduced the Refund Equality Act. If passed, the bill would give same-sex couples the ability to amend all of their previous tax returns, and potentially receive refunds from the IRS, for every year where the couple was married but could not file jointly before the Defense of Marriage Act was repealed.
"The federal government forced legally married same-sex couples in Massachusetts to file as individuals and pay more in taxes for almost a decade," said Warren in a statement, according to a report by NBC News. "We need to call out that discrimination and to make it right — Congress should pass the Refund Equality Act immediately."
Prior to the Supreme Court's 2013 decision on the United States v. Windsor – which struck down the Defense of Marriage Act – 10 states allowed same-sex couples to marry legally. However, those couples could not file federal tax returns jointly, as the federal government did not recognize the union as legal.
After the Supreme Court decision, the IRS allowed same-sex couples to amend three years of tax returns, giving them the opportunity to potentially receive refunds based on a change to their filing status.
However, same-sex couples in certain states, including Massachusetts, Warren's home state, may have been married for longer. The Refund Equality Act would remove the three-year limit on amending the returns, and could potentially result in $57 million in refunds for same-sex couples.
"It wasn't until marriage equality became law that gay & lesbian couples could jointly file tax returns—so they paid more in taxes," wrote Warren in a tweet. "Our government owes them more than $50M for the years our discriminatory tax code left them out. We must right these wrongs."
Last week, Rep. Judy Chu introduced companion legislation. The PRIDE Act of 2019 would also address the federal tax code, allowing same-sex couples who were married before the US v. Windsor decision to amend tax returns beyond the three-year period.
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Importing asset from blender file .fbx into unity is so SLOWWW. I'm confused about importing and reimport my blender model into unity. It takes more than 1hours, Is it normal? This is my last project in my collage.
Can anyone give me some advice how to make this import process less than 30 minutes?? or maybe more quickly? I'm using my laptop Hawlett Package HP RAM 6GB core i5 windows10 and my unity version is Unity 2017.3.1f1.
It definitely should not take that long. A 200MB .fbx file for me takes a few seconds, max half a minute.
I've noticed that you have Unity 2017, pretty outdated. You should try and upgrade to Unity 2018.3.0f2 On the top of the editor go on Help > Check For Updates.
hello @xBlackhawk thanks for your answer :) But is there any crashed/problem in my unity project if I'm going to use the new update of Unity 2018.3.0f2, include my c# code? because I have so much object/model from file blender .fbx to import into unity.


text:
West Virginia Historic Theatre Trail
A partnership between the WV State Historic Preservation Office and the Preservation Alliance of WV
Preservation Alliance of West Virginia
Theatre Tidbits
Travel the Trail
Convention and Visitors Bureaus
Region 1 – East
Apollo Civic Theatre
McCoy's Grand Theatre
Old Brick Playhouse
Old Opera House
Randolph County Community Arts Center
Star Theatre
Warner's Drive-In
Region 2 – South
Fayette Theatre
Landmark Studio for the Arts
Lewis Theatre
Pocahontas County Opera House
Ritz Theatre
Summit Theatre at Bluefield Arts Center
Region 3 – West
Alban Arts and Conference Center
Alpine Theatre
Charleston Municipal Auditorium
Keith-Albee Theatre
Robey Theatre
Smoot Theatre
Region 4 – North
Lincoln Theater
Metropolitan Theatre
Strand Theatre
Sunset Drive-In Theater
Tanner Theatre at Monongalia Arts Center
Closed Theaters
Mt. Zion Drive-In: Closed
WVSU Capitol Center
Sticky October 8, 2014 Historic Theatre TrailHeritage Tourism, National Register, Preservation Alliance, Preserve America, SHPOpreservationalliancewvGallery View all 2 comments
THEATRE TRAIL EXPANSION & GRANT
6/16/2016: The Preservation Alliance of West Virginia (PAWV) is pleased to announce that it is expanding its heritage tourism initiative, the West Virginia Historic Theatre Trail. In addition to having just added 6 significant theaters to the Trail, PAWV's recent receipt of a $1000 mini-grant from the West Virginia Humanities Council will allow the organization to further promote the Trail.
When it started in 2010, the Trail included 26 theaters across the state. By 2015, however, 4 Trail theaters had closed, and staff at various other historic theaters in West Virginia had been asking PAWV about how to be added to the Trail. During 2015 and early 2016, PAWV requested and received applications from additional historic theaters across the state. After using state heritage trail criteria to decide which to accept or reject, PAWV recently added 6 theaters to the Trail. The Trail now encompasses 28 members, spanning 21 of West Virginia's 55 counties. The new members include:
Alban Arts and Conference Center (in St. Albans, Kanawha County);
Lincoln Theater (in New Martinsville, Wetzel County);
McCoy's Grand Theatre (in Moorefield, Hardy County);
Strand Theatre (in Moundsville, Marshall County);
Ritz Theatre (in Hinton, Summers County);
Summit Players Theatre (in Bluefield, Mercer County).
The Trail's main public presence is this website, run by PAWV. The Trail's Facebook page (https://www.facebook.com/wvhistorictheaters/) is where PAWV staff share member theaters' events and post relevant news articles, press releases about the Trail, etc. PAWV also promotes the Trail and its member theaters through rack cards distributed to member theaters and their CVBs. Another marketing tool has been Trail interpretive signage, which PAWV presented to each original member theater to display inside. Those signs contain site-specific historical and architectural information, as well as information about the Trail itself.
Having added the 6 new member theaters, PAWV plans to launch a major promotional campaign for the Trail, utilizing the $1000 WV Humanities Council mini-grant funds. PAWV has already purchased a short, memorable URL and has updated the existing Trail website to include the new members throughout. Next, PAWV will design and print various promotional materials. Those will include interpretive signage for each new member, updated rack cards, and a portable, retractable banner showcasing the Trail.
Overall, these new promotional materials will serve as a valuable outreach tool – educating the public (both locals and tourists) about the Trail and its member theaters. Specifically, the rack cards will alert people that the member theaters exist and are open for visiting, offering entertainment in their communities. The interpretive signs and the banner will go more in-depth, helping to inform and educate viewers about the history, sociocultural importance, architectural significance, and historic preservation of the state's operational, historic theaters (not only individually but as a group). Additionally, since many of the Trail's theaters have been reopened after periods of closure or are adaptive reuses of other building types (such as historic churches), these promotional efforts will help demonstrate how historic preservation has been a successful revitalization and economic development tool in West Virginia.
THEATRE TRAIL CONCEPT
The West Virginia Historic Theatre Trail is a statewide thematic tour of historic theaters, encompassing both cinemas and live performance venues. All of the Trail's theaters are listed in, or have been officially determined eligible for, the National Register of Historic Places – the official list of the nation's historic places deemed worthy of preservation by the National Park Service. The Trail promotes the rehabilitation and sustainable operation of our state's historic theaters for the enjoyment of the public. The Trail was born in 2010 following a 2007 Preserve America grant award to the West Virginia Division of Culture and History's State Historic Preservation Office (SHPO), in partnership with PAWV, to develop statewide thematic tours to encourage heritage tourism in communities throughout the state.
If you would like more information about the West Virginia Historic Theatre Trail or have any questions about the information found on this site, please email PAWV's Program Associate, Kelli Shapiro, PhD, at americorps@pawv.org.
PAWV Theaters' Events Calendar
Follow West Virginia Historic Theatre Trail on WordPress.com
View wvhistorictheaters's profile on Facebook
View gotowv's profile on Pinterest


Hometown? Military brat but I call Tennessee home now.
What cartoon character best describes you and why? Scrooge McDuck from Duck Tails because he was the first to make it RAIN!
Random fact about yourself? I can't wear shoes that I can't cross my toes in because I always cross my toes when I'm sitting down (WEIRDO!).


text:
De allierade under andra världskriget avsåg  inledningsvis Frankrike, Polen och Storbritannien där Frankrike och Storbritannien lovat stödja Polen vid ett eventuellt angrepp från Nazityskland under andra världskriget. Avtal mellan Storbritannien och Polen undertecknades den 25 augusti 1939. Storbritannien stöddes av sina kolonier i Brittiska imperiet, bland andra Kanada. Motståndarsidan var axelmakterna.

När andra världskriget bröt ut den 1 september 1939 och Tyskland så småningom ockuperade flera länder i Europa, gick många av dessa länders exilregeringar med de allierade och stödde dem med väpnade styrkor. Efter Tysklands angrepp på Sovjetunionen den 22 juni 1941 kom även detta land att ingå i alliansen och slutligen även USA efter Japans angrepp på Pearl Harbor den 7 december 1941. I och med denna händelse blev även Japans krig mot Republiken Kina en del av andra världskriget och Republiken Kina en av de allierade. Efter 1941 kallades alliansen ibland för den Stora alliansen eller Förenta nationerna.

Emellanåt används termen de Västallierade för att skilja ut de liberaldemokratiska länderna i väst från diktaturen Sovjetunionen. De västallierade var de demokratiska stater med respektive mandatområden och kolonier som tillsammans med Sovjetunionen och Kina kämpade mot Tyskland, Italien och Japan. Bland de västallierade kan nämnas Storbritannien, Fria Frankrike och USA (från 1941). Under andra världskriget var de västallierades militära styrkor samlade under det brittisk–amerikanska överkommandot i USA:s huvudstad Washington.

De västallierade (Frankrike, Storbritannien och USA) kom efter kriget att tillsammans administrera försvaret av Västberlin. Länderna som ingick i de allierade under andra världskriget grundade Förenta nationerna.

Summering av de allierade länderna

De allierade efter den tyska invasionen av Polen (september 1939)

Efter den tyska invasionen av Västeuropa (april–maj 1940)

Efter axelmakternas invasion av södra Europa och Sovjetunionen (april–juni 1941)

Efter det japanska angreppet mot Pearl Harbor (december 1941)

 Kina

Se även
 Västmakterna

Referenser

Andra världskriget
Militära allianser

bg:Обединени нации през Втората световна война
de:Alliierte#Zweiter Weltkrieg
fa:نیروهای متفقین#جنگ جهانی دوم

redpajama_set_name: RedPajamaWikipedia


text:
Q: In angular modal, the function bind to ng-click can't access new data binded from html input The following code snippet is a controller used for $modal.open(), I don't know why the ok function can't get latest data changed by data binding.
myModule.controller('ModalCtrl', function($scope, $modalInstance) {

    $scope.job = 'student'; // changed by html radio button, default is 'student'

    // called by a button with ng-click="ok()" in modal view
    $scope.ok = function() {

        // no matter what job i changed, the $scope.job always is default value 'student'
        $modalInstance.close({
            selected_job : $scope.job
        });
    };
});

Here is the html snippet

A: The problem is with scope. Change in view:
data-ng-model="$parent.job"

A: You have to add it to the scope as a object:
$scope.job = {
name : 'student'
}
data-ng-model="job.name"
Here, I made you an example:
http://plnkr.co/edit/NeUwWNYS8dfyQlrR2xfn?p=preview

A: I don't see error in this part of code...
All the binding works except the functions ?
Have you add ctrl, model etc... ?
Are you on IE8 ?
Maybe try this (it works for me):
// called by a button with ng-click="ok()" in modal view
    ok = function() { ... }
/*--------------------------*/
//in the view call
    onclick="ok();"

redpajama_set_name: RedPajamaStackExchange


text:
Interview with Jennifer S. Holland, author of the 'Unlikely Friendships' book series
The cover of the newest book in the series, "Unlikely Friendships Dogs." / Photo via Luiz Higa Junior, Caters News Agency Ltd. Used with permission.
Jennifer S. Holland discusses writing and the latest edition of her immensely popular series, 'Unlikely Friendships Dogs'
by Meagan Meehan
September 7, 2016 at 3:24 AM September 7, 2016 at 3:24 AM
A turtle and a rhino, a dog and a goose, a donkey and a goat--the world is full of unlikely friendships and Jennifer S. Holland has made it her mission to track down these delightfully unusual stories and share them with the public. To date, she has published four main books in her "Unlikely Friendships" series all of which garnered critical acclaim a huge fan following. Jennifer is no stranger to animals, nature or investigative reporting--she earned a degree in Conservation Biology and has worked as a journalist for National Geographic for years and has even contributed to the New York Times.
Recently, she discussed her experiences working as a writer and her hopes for the future.
Blasting News (BN): How did you decide to become a writer?
Jennifer S. Holland (JSH): I've always written. My grandmother was very encouraging; she saved a lot of my work. When I was nine she said she thought I'd end up writing for a great publication like National Geographic!
BN: How did you secure a job with National Geographic?
JSH: After graduate school I went for an "informational Interview" with the head of the television research department at NG and convinced him to give me a shot, unpaid. After a month of researching natural history programs, he started to pay me and then hired me as staff.
When I heard a writing job opened at the magazine, I decided to take the extensive writing test and it led to a job!
BN: When and why were you inspired to start the "Unlikely Friendships" series?
JSH: I was fortunate that the publisher, Workman, contacted me after following my work in Nat Geo magazine. The editors liked my style and wanted to know if I'd thought about writing a book about Animals.
Usually, it's hard to get a book contract so I felt extremely lucky to have this opportunity. The idea of animals befriending other animals was becoming popular but no one had made a book about such stories. My initial book was the first of its kind. There are now four main books, plus a series of three little kids' books, so seven in total!
BN: Out of all the stories, which ones have you found to be the most touching and/or memorable?
JSH: Naki'o the dog that has the prosthetic legs has been such an inspiration to so many people, especially soldiers and kids who have had to learn to use arms or legs not their own. I also love the story of Chancer and Iyal, a case in which a dog became a great solace and friend to a boy with special needs. And of course, there are several stories of dogs that have actually saved another animal or a person...it's hard not to be touched by those!
BN: What is the most rewarding part of being an author?
JSH: When I hear from a reader that my work touched them, made them laugh or helped them through a difficult time in their lives it feels really great.
Also, I get to talk to a lot of kids during my book tours and they are so receptive to new ideas. They also get very excited about animals so I get a very warm welcome and a lot of enthusiasm at my talks.
BN: Where do you hope to be in ten years?
JSH: I love writing about evolutionary biology--how animals have become the way they are, what neat adaptations have helped them to thrive, what interesting relationships exist between, say, parasites and their hosts, etc., and I'd love to explore that in a book.
BN: What advice would you give to an aspiring writer?
JSH: Read and write as much as possible. Branch out from what you're most interested in and read/write about subjects that challenge you, maybe even that bore you.
If you can find a way to make them interesting, you have a great talent!
BN: Are there any upcoming projects you want to mention?
JSH: I am working on a project for The Nature Conservancy about hawksbill turtles and an article for National Geographic about macaques in Sulawesi, Indonesia, which will be out sometime in 2017.
Meagan Meehan
Meagan J. Meehan is a published author, poet, cartoonist and produced playwright. She is also a stop motion animator and an award-winning abstract artist who previously wrote for the Examiner and had 1,933 articles to her name.
Read more on the same topic from Meagan Meehan:
'Not Even the Good Things': Interview with playwright Joseph Scott Ford Acting and Producing: Interview with filmmaker Morgan Smith Divine Chocolate: Interview with chocolate expert and farmer advocate Liz Miller
Blasting News recommends Tom Brady looks forward to fulfilling $375 million role with Fox 'whenever that time comes' J.J. Watt showers Tom Brady with praises: 'Greatest of all time. No question, no debate' 'Gold Rush' star Rick Ness still absent from gold mining show Mike Tyson wants Tom Brady to return to the Bucs next season Sex is bad for older men but good for 50+ women: MSU links sex, heart attack in 50+ males Southern California can be the perfect place for a destination wedding


Yesterday we picked up beef from our processor in Malone, Texas. Once back in the city, we inventoried the beef cuts and updated The Provision House system for our online customers. Today we are packing & making shipments along with making local retail home deliveries and large wholesale deliveries. At the same time our ranch hand, Kevin, is manually repairing fences and putting out hay at the Pecos ranch getting ready to begin the restocking process with young heifers. Back in Palo Pinto, Fischer and Waylan are keeping an eye on our momma cows, who are dropping new calves on the ground daily. We have lots going on and are thankful for it all!


text:
Editorial and Analysis
Seeds of Europe's 'migrant crisis' are in Europe
The continent's greedy lending to Africa is driving the migration wave that fuels the European Union's xenophobic politics.
By: Vijay Prashad
19 February 2017: Refugees and migrants on the deck of a Spanish rescue vessel, sailing towards the Italian port of Pozzallo after being rescued off the coast north of Sabratha, Libya. (Photograph by David Ramos/Getty Images)
If you ask an African migrant in Europe who came across the Mediterranean Sea in a boat if they would make the journey again, most of them would say "yes". Many of them had been on vans and trucks that took them across the dangerous Sahara Desert, and many of them had been on board vessels that struggled to get across the choppy waters. They might have seen their fellow migrants die of thirst or of drowning, but none of that halts their conviction that they'd cross the sands and the seas again.
Harsh treatment by European border guards and an overwhelming experience of racism inside European society do not bring regret or suggest that they would not do it again.
"It was all to earn money," said Drissa from Mali. "Thinking of my mom and my dad. My big sister. My little sister. To help them. That was my pressure. That's why Europe."
Myths about African migrants
A United Nations Development Programme report, released on 17 October, shows that 97% of the nearly 2 000 African migrants in Europe interviewed would take the same risks to come to Europe again knowing what they know now about the danger of the journey or what life in Europe would be like. What is powerful about this UN report is that it dispels the many myths about African migration.
There is a terrible view that Africans are somehow "invading" Europe, even worse "swarming" into Europe. Anti-immigration rhetoric speaks of building fences and creating a Fortress Europe. It is as if there is a war, and Europeans must arm themselves against invaders.
A year ago, the UN's Special Adviser on the Prevention of Genocide Adama Dieng warned that European politicians fan the flames with hateful rhetoric that "is legitimising hatred, racism and violence. While extremists spread inflammatory language in mainstream political discourse under the guise of 'populism', hate crimes and hate speech continue to rise. Hate crimes constitute one of the clearest early-warning signs for atrocity crimes." At the UN in Geneva this May, Dieng – a Senegalese lawyer – said, "Big massacres start always with small actions and language."
Chaos in Cape Town as refugees evicted from protest
The UN report shows that the hatefulness around the African migrant is misplaced. The reasons for major flows of migration to Europe actually come from within Europe itself. Those leaving war zones – Syria and Afghanistan in West Asia, but also Eritrea and Libya – come in expected numbers as they flee bombs that are often produced inside Europe. These numbers are much higher than for those Africans who come to Europe for work.
In fact, more than 80% of African migrants stay on the continent. The proportion of African emigration out of the continent compared to Africa's population "is one of the lowest in the world", says the United Nations. Most of the migrants who go to Europe, according to European data, come by regular channels – with a visit to the embassy, an application for a visa, the granting of the visa and then a flight into the country; irregular arrivals, many of whom might come by boat, are far fewer than those who come with a valid visa. It is racism that fails to acknowledge this reality.
If you dig into the numbers from the UNDP report, you find that 58% of the African migrants in Europe were either employed at home or in school when they decided to leave; most of the migrants had jobs and earned competitive wages. What drove them is the insecurity in their countries, and the fact that they felt they could earn more elsewhere. More than half of the migrants had been supported financially by their families to make the journey, and 78% sent back money to their families.
World Bank statistics show that remittances to African countries are growing. In line with the global trend, sub-Saharan Africa received more foreign exchange from remittances than from foreign direct investment (FDI).
In 2018, according to the World Bank, remittances to sub-Saharan Africa totalled $46 billion – almost 10% more than in 2017. The countries that received high remittances were Comoros, Gambia, Lesotho, Cabo Verde, Liberia, Zimbabwe, Senegal, Togo, Ghana and Nigeria.
The total FDI flow into sub-Saharan Africa, according to the UN Conference on Trade and Development (UNCTAD), was $32 billion, up by 13% from 2017, but a significant amount less than the remittance flows.
Migrants who send money home are more important than the corporations and banks that bring investment dollars into these countries. It's too bad the bankers are treated better than the migrants.
African debt crisis 2.0
Africa is on the threshold of a major debt crisis.
The last debt crisis was in the 1980s, as part of the broader Third World debt crisis. In the decolonisation period, Africa – looted of its wealth by colonialism – had to borrow money for development; these funds were large, but worse was the manipulation of dollar-denominated debt by the London Interbank Borrowing Rate (LIBOR) and by the US Treasury's interest rates.
Skyrocketing debt in the 1980s produced a long period of austerity and suffering. That debt simply could not be paid as long as multinational corporations effectively stole Africa's resources and refused to pay taxes on that drain of wealth. This was the reason why initiatives such as the Heavily Indebted Poor Countries (HIPC) and Multilateral Debt Relief Initiative (MDRI) were created by the World Bank and the IMF in 1996 and 2005, respectively. By 2017, these initiatives provided $99 billion to reduce Africa's debts from a debt-to-GNI (Gross National Income) ratio of 119% to 45%.
No papers, no schooling, no future
No change in the structure was made – no assault on transfer mispricing and base erosion and profit shifting (BEPS), mechanisms used by Western-based multinationals to continue their plunder of the African continent. When the 2014 commodity price shock came, many African countries slipped gradually toward a new debt crisis. The new debts are not all government debt, but they include very high proportions of private-sector debt, which has tripled from $35 billion (2006) to $110 billion (2017) according to World Bank figures. Debt repayments have risen dramatically, which means that investments in health and education have declined, as has access to capital for small-scale private-sector businesses.
Currently, according to World Bank numbers, half of the 54 states in Africa struggle with high debt-to-GDP (Gross Domestic Product) – with many of these over the 60% threshold that signals a crisis. The rate of increase of this debt has set off alarms across the continent.
It means that if there is any financial crisis in the West, it will draw away financing from Africa, plunge the region into another major debt crisis and set millions of people in search of better earning opportunities. Families and countries in Africa have come to rely upon these remittances. They are part of the structural fabric of finances.
Racism against the migrant is an enormous problem, and it must be tackled in itself.
But deeper than that is another problem that has grown as a result of no effective post-colonial policy – the structural problem of the ongoing theft of resources from Africa, and of the lack of financing for the continent to develop its own potential. Allowing multinational firms to steal African resources, and allowing foreign banks to lend to Africa at virtually usurious conditions, simply creates a cycle of crisis that results in migration and remittances as the band-aids.
Europe does not have a refugee or migration crisis. The real crisis is in Africa, where the thief – often a European firm – continues to undermine the continent's ability to breathe.
This article was produced by Globetrotter, a project of the Independent Media Institute.
If you want to republish this article please read our guidelines.
Legal uncertainty for former Angolan refugees
Ruth First Lecture 2019 | Achille Mbembe
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Easy to do, but takes several minutes to construct. An assistant is also recommended.
When tightening side extrusions to base, remember to keep the extrusion flush to the groove of the base. The extrusion tends to "rock" in the base groove, which if tightened this way, your display will not be perpendicular.
When measuring space for your poster and pockets, please remember to include the poster bars in your estimations.
The plastic lenses feature "bump-outs" to help guide your lenses down the grooves of the side extrusions.
Once you've attached your pockets, use a water leveler to ensure your shelves are level.
Remove end cap from base. Slide (2) side support into base and secure (1) in place with a screwdriver. Replace end cap. Keep the second extrusion loose to help install your poster. Use a measuring tape or the cross bar to estimate the width of your poster.
Insert poster and lenses (at the same time) into the grooved channels. Once installed, pull your extrusion and lenses gently apart to relieve any "bubbles". Tighten the second extrusion into the base.
Attach cross bar to top of frame to help keep poster in place.
Slide the third side support into the base and secure it in place with a screwdriver. Replace end cap.
Measure the desired height for each shelf. Attach and secure each shelf bracket onto the side supports, using a Phillips Head screwdriver and the provided Allen wrench.
Insert each acrylic pocket into the brackets. Make sure your pocket is lying flush against the bracket to ensure a secure connection.
Secure your accessories in place by tightening the plastic set screws.
Now you can set up your top cross bar. Use a Phillips Head screwdriver to secure each bracket in place.
Use a small screwdriver to tighten the connection between the cross bar and brackets.
Remember to reattach the end caps to complete your display.
Your display fixture is now ready for accessories!


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Richard Morgan Movies
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Serial Killers: The Real Life Hannibal Lecters
This documentary examines a selection of real life serial killers and compares them to the fictional Hannibal Lecter.
Cast: Richard Morgan
Phar Lap
Phar Lap, the big bold chestnut reigned as the king of the turf in the depression that gripped Australia of the 1930s. From his humble beginnings the...
Cast: Tom Burlinson
The Boy in the Bush
In the 1880s, Jack Grant, a young Englishman, has been sent by his parents to make a new life in the pioneering colony of Western Australia.
Cast: Kenneth Branagh
Farewell to the King
An American soldier who escapes the execution of his comrades by Japanese soldiers in Borneo during WWII becomes the leader of a personal empire...
Cast: Nigel Havers
After Jonathan Harker attacks Dracula at his castle, the vampire travels to a nearby city, where he preys on the family of Harker's fiancée....
Cast: Peter Cushing


still dont getwhy shes so special... but ANYWAY... whos Hmm is better... myn?
The answer to this question has been answered at least twice. As this question has been answered, I am locking it again. If it is unlocked again, I wiill not be happy and this thread will be either deleted outright or severly editted.


You always hear that the mind is a powerful tool, but I never really understood what that truly meant until I did my own research. I've always been a super positive person, but I noticed that throughout time I had let my surroundings disturb my peace and alter the way I perceived situations. I wanted to not only go back to being the positive me, but become more conscious of what the mind is capable of doing — so I investigated . My next post will focus on how to change your mindset, but first I thought I'd write about knowing when it's time to change your mindset because I for one was guilty of these at some point. It's okay though, because every day is a chance to change the way you think and react to situations. If you're doing the following five things it might be time to change your mindset.
You're always negative: If you constantly feel like the Universe is conspiring against you, then it will be. This isn't because the Universe is mean and doesn't like you — it's because that's the energy you're putting out there. You are not your circumstances, you are how you react to your circumstances.
You let people, or events affect your peace: You know when you're in a great mood — you didn't catch any traffic and your coffee tastes extra great, but then your co-worker or a client just pisses you off. What typically happens then? Someone "puts you" in a bad mood. It's crazy to think we give someone so much power over our emotions. Why do we let the actions of others dictate how we feel? Emotions are an inside job — and sorry, we're not hiring.
Nothing makes you happy: This is when you have so much to be grateful for, but it's never good enough. Now, I'm not talking about wanting more in life. I am talking about those that are never grateful for anything they have. You have to learn to be happy over anything and everything.
You think too small: I think we're all afraid of failure in one way or another, but setting the bar low because you're afraid of dreaming too big and "failing" shows you don't believe in yourself. You have to believe in your greatness before anyone else can believe in it. You can do anything in this world. Stop thinking small. Don't listen to people that think small; they don't understand the vision that was given to you.
You're always stressed: Stress is a strong indication that you lack faith. I use to always stress out and find things to stress about — weird, right? I use to feel like if I wasn't stressing about something, then I was forgetting about something. Honestly I find myself still doing that from time to time, but I'm consciously working on it. Trust God and have faith that things will work out, they always do. Stressing never makes any situation better, if anything it makes things more difficult and you feel like there's no solution. There's a solution for everything in this world — except death.


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Q: Switching from PHP to Objective-C I've been a PHP developer for a year now, however, I want to learn Objective-C to create desktop applications for mac in. I tried however to read some of the getting started tutorials on the Apple developer site, I didn't get much out of it as, I could make the apps in the tutorials but the code made no sense.
So where do I need to start? Do I need to start off with command line programs? If so, how would that work?
How is it best for me to use my knowledge of PHP to learn Objective-C?
Thanks

A: Your knowledge of PHP won't help much, it's best to follow Objective-C lessons and tutorials. Watch some web casts for beginners to get you headed in the right direction.
The only "PHP" knowledge that truly carried over for me was MVC...and that's not PHP. Everything else was basically starting from scratch.

A: When I first started with Objective-C and iOS, I read 'Programming in Objective-C, Fourth Edition, Developer's Library' by Stephen G. Kochan. It is a very good step-by-step guide, assuming little to no prior knowledge.
Kochan makes use of the command line to teach the basics, with GUI programming appearing later in the book.
Unless you need to know how to release/retain references because you are working with preexisting code, I recommend picking up the fourth edition because it is geared toward usage of ARC (automatic reference counting), and iOS 5.
Edit: It looks like Kochan's book does not cover building GUI applications on Mac. But it is an excellent intro to Objective-C.

A: There aren't command line programs with Objective-C not in the traditional sense. You can print output to the terminal inside Xcode if you want. That's not a terrible place to start but I would recommend just looking at everything, including UI. You first have to download Xcode and then I'd recommend watching Paul Haggerty's course on iTunes U. He gives an intro to the language. Php and Objective-C aren't really similar languages, it's similar to languages like C and C++. And they're used to do two totally different things.
EDIT:
Also for the sake of learning things, take a look at Apress. There's some awesome books there and that's how I first got into it. However, nothing beats just playing with the language and frameworks. It'll take you a while to become proficient but it's so worth it.


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Questa voce raccoglie le informazioni riguardanti lHockey Club Forte dei Marmi nelle competizioni ufficiali della stagione 2021-2022.

Maglie e sponsor
Lo sponsor ufficiale per la stagione 2021-2022 è GDS Impianti.

Organico

Giocatori
Rosa e numerazione, tratte dal sito internet ufficiale del FISR.

Staff tecnico
 Allenatore:  Marc Gual
 Allenatore in seconda:  Alessandro Martini
 Preparatore atletico:
 Meccanico:  Andrea Giovannetti e  Daniele Ulivi

Collegamenti esterni


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On the occasion of Sri Vaikunda Ekadesi ( Dated 30.12.2006) D.A.Joseph gave a mid night lecture from 10. PM to 3.AM . The Topic was Sundara Kandam. The lecture hall was full with an attentive audience which kept itself wakeful eagerly, although the night.


This can be anything from; Fairies, birds, butterflies, wings added to images such as hearts and dress forms, little girls..as long as it's got wings on it, it can come fly with us in our challenge.
We are proud to be sponsored by Crafters Companion with a gift voucher for the winner and we will choose a top three who get to adorn their blogs with our top 3 badge.
There are lots of new goodies coming into the shop on a regular basis and there is also lots of stash available through That Craft Place Facebook Group. So do come and have a browse and chat and stock up on that stash you really 'need'.
Please follow our challenge rules, details are in the sidebar. We really do enjoy visiting all your blogs and seeing your entries and good luck.
We currently have a DESIGN TEAM CALL on too at present, please see the seperate post for details.
I have used 'Sketchie' by Saturated Canary. She is available in rubber as a pre order for the store.
The papers are from Papermania, again which are available in store.
So how are you going to show us your 'Things with Wings'?


Verizon has announced an update for the Xperia Z3v. It's a quite interesting OTA update, with a handful of small software improvements.
The main feature than comes with the new software is the ability to stream in HD. Now, if you are the owner of an Xperia Z3v, you will be able to take full advantage of your 5.2-inch 1920 by 1080 display.
In addition, there are some improved features, a few optimizations and a some of the Sony's apps are also receiving an update.
To install the update, you need a minimum battery level of 40%. You also need to be connected to a Wi-Fi network to download the file, so check your connection before attempting to start the download.
Once you are ready, tab on the Apps icon placed on the Home screen. Go to "Settings" and tap on "System updates". If the new software is available, you will have the option to "Download now".
When the file is ready, you just need to tap on "Install now" and it will automatically start the installation. After reestarting the device, you will fins all the new features ready to use.
This entry was posted in News, updates, updates and tagged update, Verizon, Xperia Z3v. Bookmark the permalink.


Multiple-GPU configurations are a wonderful idea. Buy a graphics card today and, when it starts to show its age further down the line, pick up a second on the cheap and double your performance potential. Or heck, if you're feeling particularly flush, bag a couple of GeForce GTX 1080 Tis for some ultra-high-end thrills.
There's no shortage of ATX motherboards supporting CrossFire or SLI, even a modest PSU can cope with the demands of today's increasingly efficient graphics cards, and with the latest developer APIs there's hope for asymmetric multi-GPU, meaning graphics cards from different vendors may one day work in unison.
The theory is sound, yet in practise multi-GPU configurations thus far struggled to live up to their potential. Scaling performance tends to vary from one title to another, Nvidia has dropped SLI support from a number of its latest graphics cards, and with DX12 shifting the onus to developers to optimise for multiple graphics cards, we're left wondering if the days of two-, three- or four-way graphics configurations are numbered.
We've often lamented the state of multi-GPU support in modern games, but this is an always-evolving area of the market, and we're intrigued to see how CrossFire holds up today. In order to shed some light on the current state of play, we've been able to spend some quality time with a pair of Sapphire Radeon RX 580 Nitro+ Limited Edition graphics cards.
Said card was reviewed in singular fashion back in April, where we concluded that "this is RX 480 with a better, more refined skin." Fast forward to today and word on the grapevine is that upcoming AMD Vega may not be as revolutionary as hoped, and indeed, if performance isn't chart-topping, Radeon fans who already own an RX 580 may well consider picking up a second card in the pre-Vega sales.
Based on the Polaris architecture and touting the familiar arrangement of 2,304 processors, 144 texture units and 32 ROPs allied to 8GB of GDDR5 memory via a 256-bit bus, the RX 580 is a known quantity. A single card ought to deliver a level of performance similar to that of the GeForce GTX 1060, but strap two together and we wonder if RX 580 CrossFire can disrupt the likes of the GeForce GTX 1080 and GTX 1080 Ti.
Sapphire's robust design sure looks pretty when two 255mm cards are in formation with no need for a CrossFire bridge, and the Limited Edition models are factory overclocked to 1,450MHz for good measure. Note, however, that these are 185W GPUs, so we'll be watching the noise, temperature and power consumption results with intrigue.
Before we get to the benchmarks, we'll start by reaffirming most users' biggest fear: multi-GPU configurations don't always just work. With the second card installed our test platform initially refused to boot into Windows 10, giving us nothing more than a blank screen. In order to get up and running we had to revert to one card, remove the AMD driver, re-install the second card and then re-load the driver. All fun and games, but perhaps a good indicator as to why CrossFire and SLI have never taken the mainstream by storm.
The second proviso is that Radeon RX 580 isn't easy to find. It is logical to assume that AMD didn't produce a great number of GPUs to begin with - this was merely a stopgap until Vega arrives - but stock availability is compounded by RX 580 being a sought-after card among the crypto-mining crowd. Most models are stuck on pre-order, so don't expect any genuine bargains just yet. With that out of the way, let's now take a look at how CrossFire fares with real-world games in mid-2017.


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RENT BOARD TO MODIFY REGULATIONS
By TRACY GORDON FOX; Courant Staff Writer
COLCHESTER -- — After a controversial ruling to allow a rent increase in a complex for the elderly, the fair rent commission Tuesday voted to make it easier for renters and landlords to appeal a decision.
On advice of the town's attorney, Charles Howard, the commission voted to include in its regulations a section that will allow renters and landlords to request that the commission reconsider any decisions it makes.
Commission members said they had asked Howard to research how they could establish procedures that would tailor regulations to Colchester's needs by expanding on the state statutes by which all fair rent commissions are guided.
The change in the regulations comes after a decision three months ago by the commission to allow a $12 per month or 4-percent increase at Westchester Village, a complex for the elderly.
After the decision, residents from Westchester Village asked the board of selectmen to intervene and force the commission to hold another hearing. Selectmen, however, said they had no authority to order the commission to hold another hearing.
Residents of the 101-unit complex had complained that their rent has been raised $150 during the past seven years while services provided by the complex's owner, William Dizenzo, have not improved.
While selectmen said they had no power to mandate a hearing, they did say they would ask the commission to establish formal guidelines and internal procedures that would compliment state statutes. The commission agreed the changes would be helpful.
The new guidelines say that landlords or tenants must within 10 days of a decision state in writing all reasons the commission should reconsider. The request must be filed with the first selectman.
The commission can either decide to reconsider and request additional evidence or it can deny the request. If the commission refuses to reconsider, the parties have the right to appeal to Superior Court within 30 days.
Charles Jackter, a resident from Westchester Village who attended the meeting said he was not satisfied with the commission's decision.
"I think the commission has admitted they created some serious errors in following their procedures," Jackter said.
Jackter said he did not know whether residents of Westchester Village would still appeal the decision to Superior Court.


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World Rugby Classic in Bermuda
World Rugby Classic was first held in Bermuda in 1988. Usually held in the month of November, this is an international competition and is quite unique to Bermuda. If you are a tourist and don't care much about the game or do not understand it well enough, you will still be able to greatly enjoy the ambience in and around the ground. There is virtually a big party that goes on there, and you can freely mix around with people and sometimes even with the players.
So how did the World Rugby Classic start in Bermuda and who participate in this event? This event has mainly followed the footsteps of the Easter Rugby Classic which used to be a great platform for famed international players to participate and mix with each other. However, since the players started leaving the Easter Rugby Classic for various reasons, Bermuda took the opportunity to create such a similar platform for international teams.
The whole idea was to keep providing opportunities to the great players who have ended their international professional careers. So you can expect a lot of senior players participating in the competition representing their respective countries.
However, do not assume that seniors mean they are out of form or out of their zeal and love for the game. Imagine what happens if a player is dropped from the country's international team. Does his love for the game, his camaraderie and potential all end as well?
So, Bermuda World Rugby Classic started providing a great platform to such senior players. The players can come in and show their skills in a truly international competition, and at the same time have a great platform to mix around with their fellow international players.
In 1988, the first such World Rugby Classic was held in Bermuda. England, Wales, Scotland and Ireland sent their teams for the event. The first classic was won by Wales. However next year, New Zealand joined and they won the trophy for next several years.
Over the years many teams representing their countries have participated in the World Rugby Classic competition. There have been teams from England, U.S, Ireland, Scotland, Wales, France, Argentina, Australia, New Zealand, South Africa, Canada, Spain, Portugal, Uruguay, etc. The event also holds Women's International and a match between Bermuda and the Caribbean.
One of the biggest attractions during this Classic Week is the opportunity for all including players and spectators to mix around after the matches. The locals and the visitors have whole night parties over drinks and chats.
There are member tents put up behind the goal lines where members and guests enjoy sit down lunch, dinner, and an open bar in the evenings serving wine and drinks. The players facility known as the Classic Club is set up at the Touchline that includes meals and drinks at reduced prices. There are also entry passes for general admissions.
The inauguration of the event is celebrated by a grand roadshow on the Bermudiana street at Hamilton with Gombey Dancing and DJs playing music. The roadside restaurants there offer great menus with discounted prices.
6.00pm Welcome Party, The Dog House, Front Street, Hamilton
Sunday 5th November
12.30pm Gates Open
12.45pm U8's and U10's rugby
2.30pm Classic Pumas vs. Rugby Canada (A)
4.00pm Classic Lions vs. France Classic Rugby (B)
5.30pm Entertainment in the Goslings Tent Tavern (DJ)
5.30pm Gates Open
7.15pm Classic All Blacks vs. USA Classic Eagles (C)
8.30pm Classic Springboks vs. Rugby Italian Classic XV (D)
Tuesday 7th November
12.30pm World Rugby Classic Golf Tournament, Turtle Hill
Wednesday 8th November
5.45pm Bermuda Barbarians vs. British Army Masters
7.15pm Plate Semi Final: Loser A vs. Loser B
8.30pm Classic Semi Final: Winner A vs. Winner B
9.45pm Entertainment in the Goslings Tent Tavern
(The Go Down Berries and DJ)
Thursday 9th November
6.15pm U12's and U14's rugby
7.15pm Plate Semi Final: Loser C vs. Loser D
8.30pm Classic Semi Final: Winner C vs. Winner D
Saturday 11th November
5.45pm Bermuda Barbarians vs. British Army Masters.
7.00pm Plate Final
8.30pm Classic Final
9.45pm Trophy Presentation
10.00pm Closing Party in the Goslings Tent Tavern
Bermuda National Sports Center (formerly Bermuda National Stadium) Located in Devonshire Parish.
Admission and Tickets
General Admission via Frog Lane Gate on game days.
The daily admission: $25; 5 day pass: $100.00.
Entry for children under 12 is free, and for children between 12-16 years is $10
Tickets can be purchased online through the official website www.worldrugby.bm
Contacts for further info
President (General Inquiries): Phone: 441/295-6574; Email: [email protected]
Classic Administrator: 441/278-1446
Kathleen (September 2013)
Can you please provide the best way to get from bus station in Hamilton to the Bermuda Stadium on November 9th so that we can get to see the Rugby matches?
Raj (bermuda-attractions.com) September 2013
Hi, Take bus #9 from Hamilton Bus Station. It takes about 10 minutes to reach the Bermuda National sports Center (earlier known as the Bermuda National stadium) where the Rugby Classic match is held.


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Breathalyzer Blown Away
Each year in Colorado, more than 20,000 people are arrested for DUI — an average of 54 every day. And, in 2017, more than 200 people were killed in alcohol-related motor vehicle crashes on Colorado roads.
To combat this critical issue, the Colorado Department of Transportation (CDOT) teamed up with leading breathalyzer company, BACtrack®, in an unprecedented partnership to encourage the use of smartphone breathalyzers. CIG was tasked with raising awareness for this unique promotion and educating residents about the benefits of personal breathalyzers to prevent impaired driving.
In 2017, more than 200 people were killed in alcohol-related motor vehicle crashes on Colorado roads.
CIG set out to change the stigma around breathalyzer use and encourage Coloradans to adopt the tool as a way to make more informed decisions when drinking.
CIG employed a mix of traditional and non-traditional tactics to bring the discounted smartphone breathalyzers to the attention of alcohol consumers across the state. First and foremost, we wanted to bring the breathalyzers directly to our target audience, and better yet, while they're actively imbibing.
We attended alcohol-centric events throughout the state, offering free breathalyzer tests and demonstrations to attendees, as well as information on how to redeem the discount. Partnering with Geeks Who Drink, the nation's largest organizer of bar trivia events, CIG helped to host custom, educational DUI-trivia rounds in 136 bars across Colorado.
As both a research and media relations strategy, CIG also helped recruit individuals between the ages of 21 to 34 to receive a free breathalyzer in return for providing survey feedback about their alcohol and breathalyzer use.
The results speak for themselves. CIG recorded more than 1,200 breath alcohol content (BAC) readings at events, festivals and bar activations statewide, and more than 800 individuals applied to receive a free breathalyzer as part of CDOT's breathalyzer program. In total, more than 2,800 people redeemed the discounted breathalyzers during the campaign.
The campaign garnered 76.9 million impressions from 551 online articles, 412 television hits and 51 print stories.
Research showed promising trends toward changing Coloradans' behavior when it comes to impaired driving. BACtrack.com breathalyzer sales in Colorado in 2017-2018 were the highest in the nation. In Amazon.com sales, Colorado ranked second per capita in 2017-2018 and ranked first in per capita breathalyzer use, more than four times the national average.
More than 2,800 people redeemed the discounted breathalyzers during the campaign.
Questions? Please reach out to connect@cig-pr.com
2019 PRSA Grand Gold Pick
1660 Lincoln St.
connect@cig-pr.com
© Communication Infrastructure Group 2020


I call this A Liquid Tale because it instructs us of the importance of liquidity. Liquidity means you have enough money to pay your bills. If you don't, you are illiquid. Sometimes people find themselves in a situation in which despite a growth in their net worth or the value of their business, they can't generate enough income to pay their bills. Most people can borrow money when this happens, and since their wealth or, in the case of a business, the value of their business is growing, they can pay the loan back later. But what happens when you can't borrow money or you don't want to borrow money? Let me tell you what happened to the parents of one of my friends. Let's call them Tom and Judy Smith.
The Smiths retired in 1992, sold their house and bought an oceanfront house on the Delaware shore. They paid a little over $200,000 in cash for their new home and fully intended to live there for the rest of their lives. Their thinking, flawed thinking I might add, was that with the interest they were making on their certificates of deposit (or CDs) and their Social Security benefits, they could live out their days worry-free. They calculated that at slightly more than $3,000/month in income and with no mortgage on the house and with no other debt they could manage very well.
This couple had a net worth of approximately $500,000 in 1992 when they retired. The new home they purchased was worth slightly more than $200,000 and they had slightly more than $300,000 in CD's. They had no pension and needed to live on the income from their investments and Social Security. As I mentioned, they were generating income between the two sources of roughly $3,000/month.
As we flash forward to the summer of 2005, I get a call from Tom. He explains his current situation and asks for my opinion as to what they should do. Since this couple was, in 1992 and still is in 2005, completely risk-averse, they were not part of my investment management clientele. Our relationship was on a personal level. As he explained, I immediately knew what the problem was. The problem was interest rates had gone down and expenses had gone up. It seems their house, due to its excellent location, had appreciated significantly since their original purchase to about $1.2 million. Furthermore, they still had their original $300,000 in CD's. The Smiths had almost tripled their net worth in 13 years, but they couldn't pay their bills from what they earned in interest on their CDs and the income from Social Security. They had a liquidity issue.
I congratulated Tom on the significant increase in net worth, assuring him that there weren't many retirees in America who could say the same thing. Then we got down to business. His problem was that now, in 2005, the income his CDs generated along with his Social Security was still about $3,000/month, while his expenses had gone up considerably. What had happened? What happened is that interest rates fell, and so his CDs were earning about half of what they earned in 1992, and Social Security had not kept up with the rise in cost for their particular situation. Specifically, their cost of living had increased mostly in the form of higher real estate taxes, since their house had appreciated so much over the 13-year period. A secondary expenditure increase was the cost of health care. As a result, this couple didn't have sufficient monthly income to pay their bills. They had too much house and not enough liquid assets. They were wealthier, but they had insufficient income.
· Sell their house and move to a cheaper one.
· Open a home equity line of credit.
· Take advantage of a reverse mortgage.
· Start dipping into the $300,000 principal they had in CDs.
I felt that any one of these four alternatives would solve their problem. What did they do? As you recall, the Smiths were a very risk-averse couple. Dipping into principal was out of the question, as was borrowing money to pay bills. This left them two options—sell the house or borrow money on a monthly basis through a reverse mortgage. Once they discarded the reverse mortgage alternative as too risky as well and since they were afraid that real estate prices would fall, they decided to sell the house. I could not argue with their decision or, better yet, I was not persuasive enough to explain the finer points of the other alternatives. However, I respected and understood their decision because it was consistent with their risk aversion. They sold the house and moved inland to a $400,000 home that they paid for in cash, and invested the after-tax profits from the sale of the beach house in CDs. By doing this, they had solved their liquidity problem without borrowing money or spending their principal.