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Posts Tagged UK Pension
Home → Tag: UK Pension
Should you Transfer your Final Salary Pension?
On 31st August 2018 / Articles, Retirement
Sometimes referred to as a Defined Benefit (or DB) pension, with final salary pensions your former employer will pay you a guaranteed fixed income from the day you retire until the day you die. If your spouse survives you, they will receive a reduced pension for life.
The Intricacies of the Old and New UK State Pension System
On 27th July 2018 / Retirement
For UK expats, the state pension is an important consideration when planning your retirement income. Working out your entitlement has become more complex following changes to the UK State Pension in 2016. This change is complex and there are transitional arrangements which try to ensure that no one is disadvantaged by the move to the new rules.
Retirement Income Warning
On 30th April 2018 / Retirement
While retirement certainly brings about its share of unknowns, perhaps the most daunting prospect associated with this stage of life is the potential to run out of money. That fear is so widespread, in fact, that 60% of baby boomers are more worried about depleting their nest eggs prematurely than actually dying.
UK Final Salary Pensions – The £50BN Exodus
On 5th September 2017 / Retirement, Wealth Management
The knock-on effects of George Osborne's pension flexibility proposals and whether you should transfer your pension.
Is Keeping Your Final Salary Pension Really The Safest Thing To Do?
On 3rd July 2017 / Articles, Retirement
The benefits and pitfalls of transferring a Final Salary Pension; what should you watch out for and what should be included in the report you receive.
Do You Know If Your Final Salary Pension Scheme Is Right For You?
On 2nd May 2017 / Articles, Retirement
There are many issues to consider when considering whether to transfer out of a Final Salary scheme and the complexity of these mean that you need advice from a fully qualified specialist in UK pension transfers. Here are the potential advantages and disadvantages of Final Salary Pensions and why a transfer might be in your interests.
More Bad News for UK Pensions
On 29th August 2016 / Retirement
Following the Bank of England's historic decision to cut interest rates to 0.25%, as a result of the EU referendum result, gilt yields have plummeted to historic lows, with interest rates on some government bonds turning negative and this has left already struggling UK pensions reeling from the fallout…
Brexit Pension & Tax Update
On 27th June 2016 / Articles, Market Update, Retirement, Tax, Wealth Management
The votes have been cast and counted and Britain has voted to leave the EU. We are now in uncharted territory and it will take some time to understand what this means for the UK and for expats around the world.
Will Your Final Salary Pension Pay You What You Are Expecting in Retirement?
On 26th May 2016 / Retirement
Final Salary (DB) pension plans were the cornerstone of employer provided retirement benefits for many years. Recently, however, issues of financial solvency have put the availability of these benefits in question.


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Photo: Hydrogen ferry that will run on the Hjelmeland connections. Image Courtesy: Norled
Home Green marine Norled to Change Ownership
Norled to Change Ownership
May 21, 2019, by World Maritime News
Norwegian transport and shipping company Det Stavangerske Dampskibsselskab (DSD) has signed an agreement to sell its ferry company Norled.
As informed, Norled will be sold to a consortium owned jointly by the Nordic infrastructure fund CapMan Infra and the Canadian company CBRE Caledon Capital Management.
Under the terms of the agreement, 100 percent of DSD's ownership interest in its subsidiary Norled AS will be transferred to the consortium.
The parties have agreed that transactional details are confidential.
"In recent years, Norled has made significant improvements in many areas. The company has succeeded in combining good and stable operations with success in tender biddings and record-high financial results. At the same time, Norled has undoubtedly consolidated and strengthened its … role in the green shift in maritime industry," Ingvald Løyning, chairman of Norled, commented.
In 2015, Norled launched the ferry MF Ampere, the world's first electric car and passenger ferry powered by batteries. In 2021, Norled will launch the world's first hydrogen-electric ferry.
Related: Flagships Project Gets USD 5.6 Mn for Two Hydrogen-Fueled Ships
"This environmental technology opens up new, unparalleled opportunities beyond the maritime sector," Løyning added.
"Norled currently has an order backlog of NOK 17 billion, and has decided to build new vessels for NOK 2.4 billion. Growing and succeeding with so much new technology and investment is at the same time demanding for a family-owned business. Now the company needs to be given the necessary financial resources that are needed for Norled to grow and develop further to the next phase and towards new goals," Løyning pointed out.
"The Norwegian ferry industry is a critical part of the country's transportation infrastructure. We believe that the green shift in the industry further highlights sea transportation as a sustainable solution… We …. are looking forward to continuing the successful journey together to further improve operations for the benefit of the company's customers, employees and communities," Ville Poukka, Managing Partner at CapMan Infra, said.
"Norled represents an attractive investment opportunity given the availability-based, index-linked nature of cash flows, the company's … position, and the increasingly green credentials of the Norwegian ferry industry," Andreas Köttering, Partner at CBRE Caledon, noted.
Norled has 80 vessels and operates ferry and express boat services from the Oslofjord to Troms county.
View post tag: Norled
Kongsberg launches world's 1st full-scale hydrogen-based propulsion system
World's 1st hydrogen-powered ferry delivered
World's first hydrogen-powered ships one step closer to reality
WINDFORCE Conference 2020
HUSUM Wind 2021
WindEurope Electric City 2021
Shell and Thyssenkrupp join in on Port of Rotterdam hydrogen facility
TECO 2030, Gen2 Energy team up for green hydrogen projects
2021 year in review: 10 most-read maritime stories
Wintershall Dea in energy transition with hydrogen and CCS
Outlook & strategy

redpajama_set_name: RedPajamaCommonCrawl


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Q: Error while using std::vector.push_back() to push back a class object I am trying to solve Q1091 on LeetCode.
In order to solve this question, I create a class called "Queue":
class Queue {
public:
    int x;
    int y;
    int length;
    Queue(int xx, int yy, int l): x(xx), y(yy), length(l) {};
};

The entire class "Solution" is like below:

class Solution {
public:
    int shortestPathBinaryMatrix(vector<vector<int>>& grid);
    void addNewQueue(vector<vector<int>>& grid, int x, int y, vector<vector<int>>& path, int length, vector<Queue>& queues);
};

int Solution::shortestPathBinaryMatrix(vector<vector<int>>& grid) {
    if (grid.size() == 0 || grid[0].size() == 0) return -1; //means there is no maze to be solve
    if (grid[0][0] == 1) return -1;
    vector<vector<int>> path(grid.size());
    for (auto &r: path) r.resize(grid.size(), INT_MAX);
    path[0][0] = 0;
    vector<Queue> queues;
    queues.push_back(Queue(0, 0, 0));
    while (!queues.empty()) {
        auto q = queues.begin();
        addNewQueue(grid, q->x+1, q->y, path, q->length, queues);
        addNewQueue(grid, q->x-1, q->y, path, q->length, queues);
        addNewQueue(grid, q->x+1, q->y+1, path, q->length, queues);
        addNewQueue(grid, q->x, q->y+1, path, q->length, queues);
        addNewQueue(grid, q->x-1, q->y+1, path, q->length, queues);
        addNewQueue(grid, q->x+1, q->y-1, path, q->length, queues);
        addNewQueue(grid, q->x, q->y-1, path, q->length, queues);
        addNewQueue(grid, q->x-1, q->y-1, path, q->length, queues);
        queues.erase(queues.begin());
    }
    if (path[path.size()-1][path.size()-1] == INT_MAX) return -1;
    else return path[path.size()-1][path.size()-1];
}
void Solution::addNewQueue(vector<vector<int>>& grid, int x, int y, vector<vector<int>>& path, int length, vector<Queue>& queues) {
    if (x < grid.size() && y < grid.size() && x >= 0 && y >= 0 && length+1 < path[x][y] && grid[x][y] == 0) {
        queues.push_back(Queue(x, y, length+1));
        path[x][y] = length + 1;
    }

    return;
}

Yet, whenever Solution::addNewQueue runs, the program crash with error below:
=================================================================
==31==ERROR: AddressSanitizer: heap-use-after-free on address 0x602000000110 at pc 0x000000347b34 bp 0x7ffdc8ec3510 sp 0x7ffdc8ec3508
READ of size 4 at 0x602000000110 thread T0
    #2 0x7fa07b4830b2  (/lib/x86_64-linux-gnu/libc.so.6+0x270b2)
0x602000000110 is located 0 bytes inside of 12-byte region [0x602000000110,0x60200000011c)
freed by thread T0 here:
    #5 0x7fa07b4830b2  (/lib/x86_64-linux-gnu/libc.so.6+0x270b2)
previously allocated by thread T0 here:
    #5 0x7fa07b4830b2  (/lib/x86_64-linux-gnu/libc.so.6+0x270b2)
Shadow bytes around the buggy address:
  0x0c047fff7fd0: 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00
  0x0c047fff7fe0: 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00
  0x0c047fff7ff0: 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00
  0x0c047fff8000: fa fa fd fa fa fa fd fa fa fa fd fa fa fa 00 fa
  0x0c047fff8010: fa fa fd fa fa fa 00 fa fa fa 00 fa fa fa 00 fa
=>0x0c047fff8020: fa fa[fd]fd fa fa fa fa fa fa fa fa fa fa fa fa
  0x0c047fff8030: fa fa fa fa fa fa fa fa fa fa fa fa fa fa fa fa
  0x0c047fff8040: fa fa fa fa fa fa fa fa fa fa fa fa fa fa fa fa
  0x0c047fff8050: fa fa fa fa fa fa fa fa fa fa fa fa fa fa fa fa
  0x0c047fff8060: fa fa fa fa fa fa fa fa fa fa fa fa fa fa fa fa
  0x0c047fff8070: fa fa fa fa fa fa fa fa fa fa fa fa fa fa fa fa
Shadow byte legend (one shadow byte represents 8 application bytes):
  Addressable:           00
  Partially addressable: 01 02 03 04 05 06 07
  Heap left redzone:       fa
  Freed heap region:       fd
  Stack left redzone:      f1
  Stack mid redzone:       f2
  Stack right redzone:     f3
  Stack after return:      f5
  Stack use after scope:   f8
  Global redzone:          f9
  Global init order:       f6
  Poisoned by user:        f7
  Container overflow:      fc
  Array cookie:            ac
  Intra object redzone:    bb
  ASan internal:           fe
  Left alloca redzone:     ca
  Right alloca redzone:    cb
  Shadow gap:              cc
==31==ABORTING

I have tried to search for the reason but cannot find one.
Please help me with the issue.
Thank you.
I have read a question be answered:
How can I create objects while adding them into a vector?
Yet, the solution does not work.
EDITION::
Here's a sample main.cpp:
#include <iostream>
#include <vector>
#include <climits>
using namespace std;

int main() {
    Solution s;
    vector<vector<int>> grid(2);
    for (auto& c:grid) c.resize(2);
    grid[0][0] = 0;
    grid[0][1] = 1;
    grid[1][0] = 1;
    grid[0][1] = 0;
    cout << grid[0][0] << " " << grid[0][1] << endl;
    cout << grid[1][0] << " " << grid[1][1] << endl;
    cout << s.shortestPathBinaryMatrix(grid);

}

The error might not pop out in some compiler. Instead, the point would point to a random memory.

redpajama_set_name: RedPajamaStackExchange


Nomit is an Australian non-profit organisation supported, amongst others, by the Italian Consulate in Melbourne and the Victorian Multicultural Commission.
It was founded on the 20th of May 2013 by a group of young Italians with the aim of facilitating the integration of their fellow Italians in Melbourne and spreading a newer vision of the Italian culture, more contemporary and closer to the new generations.
The founding members were then joined by other Italians living in Melbourne. Many of them decided to become active members of the Association, that in a really short time became a touchstone for many Italians in Melbourne.
In 2014 Nomit was awarded the "Buone Prassi" (Good Practices) award from the Italian Ministry of Foreign Affairs and International Cooperation for its ongoing support towards their fellow nationals in Australia.
In 2015 Nomit was accredited by the ACNC (Australian Charities and Not-for-profits Commission) for its efforts in the promotion of culture, education, health and social integration.
Today Nomit keeps growing thanks to the passion, the commitment and the help of the many volunteers, supporters and members.
The Italian culture and reality has undergone profound changes and transformations since the first Italian immigrants came to Australia.
We believe that the key element order to spread this culture is the integration of the new Italian immigrants in the Australian social fabric and we are committed to promote this integration in any way, shape or form possible: artistic, social or work related.
A true integration can only come from proper information. It is therefore fundamental to work towards providing assistance to the Italian community in Melbourne and information on the importance of a good proficiency in the English language to build a strong community that can count on its talents and possibilities.
We want to create an environment through which we can share a younger, more contemporary Italian culture in which every Italian in Australia can find a sense of belonging.


A tool for parsing MS-CHAPv2 handshakes, which can then be submitted to CloudCracker for cracking.
A drop-in replacement for the standard Android text messaging application, allowing you to send and receive text messages as normal. All text messages sent or received with TextSecure are stored in an encrypted database on your phone, and text messages are encrypted during transmission when communicating with someone else also using TextSecure.
An Android application that enables encrypted voice communication between RedPhone users. RedPhone integrates with the system dialer to provide a frictionless call experience, but uses ZRTP to setup an encrypted VoIP channel for the actual call. RedPhone was designed specifically for mobile devices, using audio codecs and buffer algorithms tuned to the characteristics of mobile networks, and using push notifications to maximally preserve your device's battery life while still remaining responsive.
An agile, distributed, and secure strategy for replacing Certificate Authorities.
sslstrip is a tool that demonstrates the HTTPS stripping attacks which I presented at Black Hat DC 2009.
A tool that will do a man-in-the-middle attack on SSL connections.
knockknock is a simple, secure, and stealthy port knocking implementation that does not use libpcap or bind to a socket interface.
tortunnel is a partial Onion Proxy implementation designed for building single-hop circuits through Tor exit nodes.
GoogleSharing is a special kind of anonymizing proxy service, designed for a very specific threat. It ultimately aims to provide a level of anonymity that will prevent Google from tracking your searches, movements, and what websites you visit.
An Android application and corresponding PAM module that provide SecureID style two-factor authentication without the use of specialized hardware or the hassle of setting up special authentication services.
A tool for converting NellyMoser encoded FLV files to WAV.
A small Linux app that, when run, makes your machine appear to be anywhere you specify on the internet.
A lightweight JVMPI library that will profile thread contention points in Java code. I think I wrote this because most of the existing "enterprise" profilers did not allow you to profile for thread contention points, and those that did were too heavy-weight to accurately execute high performance server apps. I'm not sure whether this is still relevant or not.
A small X11 application that renders the Mandelbrot Set and lets you zoom around in it. I originally wrote this when I was 17, after seeing Arthur C. Clark on PBS.


text:
Home / Posts tagged "stroke"
Tag: stroke
Mick Softley 9/2017
September 1, 2017 – Mick Softley was born in 1939 in the countryside of Essex, near Epping Forest.
His mother was of Irish origin (from County Cork) and his father had East Anglian tinker roots, going back to a few generations. Softley first took up trombone in school and became interested in traditional jazz. He was later persuaded to become a singer by one of his school teachers, and this led to him listening to Big Bill Broonzy and promptly changed his attitude to music, to the extent of him buying a mail-order guitar and some tutorial books and teaching himself to play.
By 1959, Mick Softley had left his job and home and spent time traveling around Europe on his motorbike, with a friend, Mick Rippingale. He ended up in Paris, where he came into the company of musicians such as Clive Palmer, Ramblin' Jack Elliott, and Wizz Jones. Here he improved his guitar skills and spent time busking with friends until his return to England in the early 1960s. Continue reading Mick Softley 9/2017
Tags: 2017, 77, folk rock, stroke
Posted on September 2, 2016 July 6, 2018 by Johan Ramakers — Leave a comment
Cilla Black 8/2015
August 1, 2015 – Cilla Black was born Priscilla Marie Veronica White in Liverpool on May 27, 1943, just a couple of months after Beatle George Harrison was born in the same city.
Although she was an aspiring entertainer, in the early 60's Cilla was working as a typist, a waitress, and as a hat check girl at the Cavern in Liverpool, the same venue where the Beatles were performing and beginning to draw attention at that time. She performed at times with some local Liverpool bands including Rory Storm and the Hurricanes and The Big Three, and received encouragement from her friends in the Beatles. An article in the local music newspaper Mersey Beat mis-identifed her as Cilla Black, and Cilla liked the name and decided to keep it as a stage name. She was signed to a recording contract by Brian Epstein, then went to the Parlophone label, where her records were produced by George Martin. Her first single was written by John Lennon and Paul McCartney and titled Love Of The Loved. It made it to number 35 on the UK chart.
Continue reading Cilla Black 8/2015
Tags: 2015, 72, pop-rock, rock-n-roll divas, stroke
Don Covay 1/2015
January 31, 2015 – Don Covay was born Donald Randolph in Orangeburg, South Carolina on March 24, 1938. Covay was the son of a Baptist preacher who died when his son was eight. The family soon after relocated to Washington, D.C., where he and his siblings formed a gospel group dubbed the Cherry Keys; while in middle school, however, some of Covay's classmates convinced him to make the leap to secular music, and in 1953 he joined the Rainbows, a local doo wop group that previously enjoyed a national smash with "Mary Lee."
By the time Covay joined the Rainbows the original lineup had long since splintered, and his recorded debut with the group, 1956's "Shirley," was not a hit. He stuck around for one more single, "Minnie," before exiting; contrary to legend, this iteration of the Rainbows did not include either a young Marvin Gaye or Billy Stewart, although both fledgling singers did occasionally fill in for absent personnel during live performances.
Continue reading Don Covay 1/2015
Tags: 2017, 78, pop-rock, RnB/Soul, stroke
Posted on December 1, 2015 July 19, 2018 by Johan Ramakers — Leave a comment
Mac McLagan 12/2014
December 3 – 2014 – Ian Patrick 'Mac' McLagan (keyboards for the Small Faces)was born on May 12th 1945 in Hounslow, Middlesex, England.
His first professional group was with the Muleskinners, followed by the Boz People with Boz Burrell. Then in 1965, Manager Don Arden hired him for the sum of £30 a week, to join The Small Faces, (the £30 dropped to £20 after his probation period, like the other members received!).
His debut gig with them was at London's Lyceum Theatre on November 2nd that same year and he can be heard on all of their hits including "Sha-La-La-La-Lee", "Itchycoo Park", "Lazy Sunday", "All or Nothing", and "Tin Soldier".
In 1969, after Steve Marriott left the group and Rod Stewart and Ronnie Wood joined, the band changed its name to Faces. He stayed with the Faces until they split in 1975, after which he worked as a sideman for the Rolling Stones, both in the studio and on tour as well as on various Ronnie Wood projects, including the New Barbarians.
Continue reading Mac McLagan 12/2014
Category: KEYBOARDS
Tags: 2014, 69, rock, stroke
Posted on December 14, 2016 February 21, 2019 by Macamba0 — Leave a comment
Rob Grill 7/2011
July 11, 2011 – Robert Frank "Rob" Grill (the Grass Roots) was born on November 30th 1943 in Hollywood, California. Soon after graduation, he began working at American Recording Studios with musician friends Cory Wells and John Kay (who later formed Three Dog Night and Steppenwolf, respectively).
Grill was asked to join The Grass Roots, which grew out of a project originating from Dunhill Records owned by Lou Adler. Writer/producers P. F. Sloan and Steve Barri (The Mamas & the Papas, Tommy Roe, Four Tops and Dusty Springfield) were asked by Dunhill to write songs that would capitalize on the growing interest in the folk-rock movement.
Their song "Where Were You When I Needed You", recorded as a demo with P.F. Sloan as lead singer was released under the name "The Grass Roots" and started to get airplay in San Francisco Bay area. Dunhill searched for a band to become The Grass Roots. After the first group they chose departed, a Los Angeles band composed of Creed Bratton, Rick Coonce, Warren Entner, and Kenny Fukomoto, was recruited to become The Grass Roots.
When Fukumoto was drafted into the army, Grill was brought in as his replacement. With Grill as lead singer, they recorded another version of "Where Were You When I Needed You" and he became the band's longest serving member, appearing with them for more than four decades.
Mega-hit producer Steve Barri (The Mamas & the Papas, Tommy Roe, Four Tops and Dusty Springfield) took the band to chart twenty nine singles, thirteen of which went gold, followed by two gold albums and two platinum albums. Grill played with The Grass Roots on sixteen albums, seven of which charted. He took part in thirty-two Grass Roots singles released, twenty-one of which charted. In the new millennium, he released two live albums and one with a symphonic quartet.
Grill went on to produce and manage the band and became owner of The Grass Roots name.
In 1979 Grill launched a solo career and was assisted on his solo album by several members of Fleetwood Mac. Responding to 60s nostalgia, Grill then led The Grass Roots (billed "The Grass Roots Starring Rob Grill") and toured the United States until his death in 2011. While in the arms of his wife Nancy, Grill died July 11, 2011 in an Orlando, Florida hospital from complications after a stroke and head injuries resulting from a fall several days earlier. He was 67.
Between 1967-1972, the band set a record for being on the Billboard charts for 307 straight weeks and sold over 20 million records worldwide. They also hold the all time attendance record for a one act, at the US concert of 600,000 people on July 4th, 1982 in Washington, DC. Their hit singles include: Let's Live For Today, I'd Wait A Million Years, Midnight Confessions, Sooner Or Later, Two Divided By Love
Categories: SIDEMEN, SONGWRITERS, VOCALISTS
Tags: 2011, classic rock, stroke
Gladys Horton 1/2011
January 26, 2011 – Gladys Horton was born in Born in Gainesville, Florida on May 30, 1945, according to her son Vaughn Thornton, even though there is some dispute on the correct date being May 30, 1944.
By the time she was nine months old, her son said, she was an orphan and consigned to foster care, growing up mostly in different towns in Michigan. Her full name was Gladys Catherine Horton. She was married once and divorced, and had three sons. Besides Mr. Thornton, one other son, Sammy Coleman, survives her, along with two grandchildren.
She was raised in the western Detroit suburb of Inkster by foster parents. By the time of her high school years at Inkster High School on Middlebelt Road, Gladys had taken a strong interest in singing, joining the high school glee club.
In 1960 Horton formed a group with her former highschool glee club members Georgeanna Tillman, Katherine Anderson and Juanita Coward. The origin of the Marvelettes is variously recounted in music encyclopedias and other sources, and they usually describe Ms. Horton as a co-founder of the group. But in an interview Ms. Schaffner, one of the original Marvelettes, gave her full credit: "We only started singing together because Gladys asked us," she recalled. "Usually we'd go to Georgeanna's house and play canasta."
Continue reading Gladys Horton 1/2011
Tags: 2011, 65, rock-n-roll divas, soul pop, stroke
Fred Carter 7/2010
July 17, 2010 – Fred F. Carter Jr. was born on December 31, 1933 in the delta country in Winnsboro, the northeastern part of Louisiana.
(Photo: Fred with his daughter and award winning country star Deanne Carter)
Carter grew up with the heavy musical influences of jazz, country & western, hymns, and blues. His first instrument was the mandolin which he began playing at the age of 3. He later learned to play fiddle as well. While in the Air Force in his late teens, he was the band leader for the USO variety show entertaining troops across Europe. His bunkmate during the tour was the MC and fellow serviceman Larry Hagman who went on to television fame. After leaving the Air Force, Carter attended Centenary Music College on scholarship as a violist despite the fact he could not read music but instead had to memorize all of his orchestral pieces.
After leaving Centenary, Carter began his professional career in the 1950s, his first partner in music was another Franklin Parish native, Allen "Puddler" Harris. He started taking up guitar seriously and got his first taste of fame playing in the house band of the popular Louisiana Hayride radio program, which led to a gig with Roy Orbison during the late '50s when Orbison was signed to famed Memphis label Sun Records. Carter became part of his band and moving to Hollywood with Roy. Later, he worked with Orbison in Nashville on the Monument Sessions notably heard on Dream Baby as the opening guitar.
He subsequently worked with Dale Hawkins of "Suzie Q" song fame, and then joined Dale's cousin Ronnie Hawkins whose group The Hawks later became The Band, (sans Hawkins). He played a key role in the career of Ronnie Hawkins, serving as his lead guitarist from 1959 to 1960 and mentoring his eventual replacement, a young Toronto, Ontario guitarist named Robbie Robertson. During this busy and formative time, Carter also toured and became lifelong friends with Conway Twitty.
Carter's career as a musician began at the birth of rock'n'roll, and over the next four decades he branched off into songwriting, production and label management.
In the early 1960s, Carter settled into the Nashville session scene. He quickly earned a place as part of Nashville's famous A Team. His discography for the next 3 decades is extensive and wide ranging: Carter played guitar and mandolin for two of Joan Baez's albums in the late 1960s. He then worked on Simon and Garfunkel's Bridge Over Troubled Water. Notably, Carter provide numerous memorable guitar performances including five guitar parts for "The Boxer" by Simon and Garfunkel (the iconic opening riff is Carter's creation), "I'm Just An Old Chunk Of Coal" by John Anderson, "I've Always Been Crazy" and "Whistlers and Jugglers" by Waylon Jennings. He also played guitar and bass on the Bob Dylan albums "Self Portrait", "Nashville Skyline" , "John Wesley Harding" and on the Connie Francis hit single, "The Wedding Cake". During this time Carter was also a member of the supergroup Levon Helm and the RCO All Stars, composed of Levon Helm, Booker T. Jones, Dr. John, Donald "Duck" Dunn, and the Saturday Night Live horns.
Carter owned Nugget Records in Goodlettsville, TN for many years. Songs such a Jesse Colter's "I'm Not Lisa" were originally recorded at Nugget. Willie Nelson famously recut his famed Phases and Stages album with Fred at Nugget after Willie expressed dissatisfaction with the first version of the album cut in Muscle Shoals, AL.
Production credits for Carter include Levon Helm's American Son album on MCA Records, and Bobby Bridger's "Heal in the Wisdom". He also helped Dolly Parton and Tanya Tucker land their first record deals.
Carter was a member of the band Levon Helm and The RCO All-Stars. This band was composed of Levon Helm, Carter, Steve Cropper, Booker T. Jones, Donald "Duck" Dunn, Dr. John, Paul Butterfield, and the NBC Saturday Night Live horns.
Although Carter recorded with top country stars such as Willie Nelson, Waylon Jennings, Dolly Parton and Kris Kristofferson, it could be argued that his biggest contribution was being a crucial member of the group of Nashville session players that enabled artists such as Dylan, Simon & Garfunkel, Neil Young, Ian & Sylvia and Leonard Cohen to record some of their most memorable music there.
Carter was a complete guitarist. He was accomplished as both a flat picker and fingerpicker and could play any genre fluently. Carter was widely recognized as being the "earthiest" player in Nashville with an ability to add subtle flavor to any recording. He is known for distinctive fills with both soulful and playful colorations. He also had small roles in several films including The Adventures of Huck Finn starring Elijah Wood.
He died of a stroke on July 17, 2010 in Nashville at the age of 76.
Tags: 2010, country-rock pioneer, stroke
Posted on May 5, 2016 July 6, 2018 by Macamba0 — Leave a comment
Marva Wright 3/2010
March 23, 2010 – Marva Wright was born March 20th 1948 in New Orleans Louisiana. Marva sang blues all her life, starting as a child at home and in church, but she didn't start her professional career as a blues singer until 1987, almost 40 years old, when she began singing on Bourbon Street and became the powerhouse of New Orleans' blues and gospel scene. Even then, she only began singing as a way to support her family with a second job.
Early in 1989 during a live set at Tipitina's in New Orleans, Wright made her first recording, Mama, He Treats Your Daughter Mean and made her debut on national television in 1991, when her hometown was the setting for a special that revolved around the Super Bowl where she met CBS news anchorman Ed Bradley, who thought at that time that she only sang Gospel.
Continue reading Marva Wright 3/2010
Tags: 2010, 62, blues, rock-n-roll divas, stroke
Posted on October 19, 2016 July 14, 2018 by Johan Ramakers — Leave a comment
Barry Beckett 6/2009
June 11, 2009 – Barry Beckett was born on February 4, 1943 in Birmingham, Alabama. His father, Horace, was an insurance salesman who also dabbled on guitar and for a time hosted a local radio program. He attended the University of Alabama, where, according to The Times Daily of Florence, Ala., he first heard the music of two of the Swampers, Johnson and Hawkins, who were then playing in a band called the Del-Rays. He was working with a blues producer in Pensacola, Fla., when he was asked to join the Muscle Shoals Rhythm Section.
Continue reading Barry Beckett 6/2009
Tags: 2009, 66, session musician, stroke
Isaac Hayes 8/2008
August 10, 2008 – Isaac Hayes Jr. was born on August 20, 1942 in Covington, Tennessee. The child of a sharecropper family, he grew up working on farms in Shelby County, Tennessee, and in Tipton County. At age five Hayes began singing at his local church; he later taught himself to play the piano, the Hammond organ, the flute, and the saxophone.
Hayes dropped out of high school, but his former teachers at Manassas High School in Memphis encouraged him to complete his diploma, which he finally did at age 21. After graduating from high school, Hayes was offered several music scholarships from colleges and universities. He turned down all of them to provide for his immediate family, working at a meat-packing plant in Memphis by day and playing nightclubs and juke joints several evenings a week in Memphis and nearby northern Mississippi. His first professional gigs, in the late 1950s, were as a singer at Curry's Club in North Memphis, backed by Ben Branch's houseband.
Continue reading Isaac Hayes 8/2008
Categories: PIONEERS, SONGWRITERS, VOCALISTS
Tags: 2008, 65, soul, stroke
Joe Weaver 7/2006
July 5, 2006 – Joe Weaver was born on August 27th 1934 in Detroit, Michigan.
His best known recording was "Baby I Love You So" – 1955, and he was a founding member of both The Blue Note Orchestra and The Motor City Rhythm & Blues Pioneers. Over his lengthy but staggered career, Joe worked with various musicians including The Four Tops, Marvin Gaye, John Lee Hooker, Nathaniel Mayer, The Miracles, Martha Reeves, Nolan Strong & The Diablos, Andre Williams, Nancy Wilson, and Stevie Wonder. In addition, he was a session musician in the early days of Motown Records and played in the house band at Fortune Records. He was a key component in the 1950s Detroit R&B scene.
Weaver learned to play the piano from age nine. While at Northwestern High School he teamed up with fellow student Johnnie Bassett to form Joe Weaver and the Blue Notes.
Continue reading Joe Weaver 7/2006
Categories: SESSION PLAYERS, SIDEMEN, VOCALISTS
Tags: 2006, 71, Motown, stroke
Posted on November 10, 2016 July 12, 2018 by Macamba0 — Leave a comment
Johnny Jenkins 6/2006
June 26, 2006 – Johnny Jenkins was born the son of a day laborer on March 5, 1939 east of Macon, Georgia in a rural area called Swift Creek. On the battery powered radio, he was drawn to hillbilly music and first heard the sounds of blues and classic R&B artists like Bill Doggett, Bullmoose Jackson, and others.
Jenkins built his first guitar out of a cigar box and rubber bands when he was nine, and began playing at a gas station for tips. He played it left-handed and upside down (like Hendrix), and this practice continued after his older sister bought him a real guitar a couple of years later. He left school in seventh grade to take care of his ailing mother and by 16 had turned to music full time.
He started out with a small blues band called the Pinetoppers that played the college circuit and first heard Redding at a talent show at a Macon theater. At one college event with the Pinetoppers, he met Walden, a white student at Macon's Mercer University who was attracted to black rhythm-and-blues music. Besides working as Mr. Jenkins's manager, Walden co-founded the legendary Southern rock label Capricorn Records, which produced Jenkins two albums "Ton-Ton Macoute!" and "Blessed Blues."
Continue reading Johnny Jenkins 6/2006
Categories: GUITARISTS, SIDEMEN, VOCALISTS
Tags: 2006, 67, blues, rock history, stroke
Posted on March 7, 2017 July 4, 2018 by Johan Ramakers — Leave a comment
Little Milton 8/2005
August 4, 2005 – Little Milton was born James Milton Campbell on September 7, 1934, in the small Delta town of Inverness, Mississippi, and grew up in Greenville. (He would later legally drop the "James" after learning of a half-brother with the same name.)
His father Big Milton, a farmer, was a local blues musician, and Milton also grew up listening to the Grand Ole Opry radio program. At age 12, he began playing the guitar and saved up money from odd jobs to buy his own instrument from a mail-order catalog.
By 15, he was performing for pay in local clubs and bars, influenced chiefly by T-Bone Walker but also by proto-rock & roll jump blues shouters.
Continue reading Little Milton 8/2005
Tags: 2005, 70, blues, stroke
Posted on December 5, 2016 July 3, 2018 by Johan Ramakers — Leave a comment
Luther Vandross 7/2005
July 1, 2005 – Luther Vandross was born on April 20th 1951 in Manhattan, New York to Luther and Mary Ida Vandross. He was the youngest of the four Vandross children.
He attended Taft High School but cut short his formal education at the Western Michigan University to answer his musical calling. He was studying Engineering. After leaving college, Luther worked a series of odd jobs, including a Teacher's aide at a Junior High School and a customer service rep at S&H Green Stamps.
As a teenager, he worked with the musical theatre workshop, Listen My Brother. The workshop was affiliated with Harlem's Apollo Theatre.
It was at this workshop he met lifetime friends and colleagues Nat Adderly Jr (who later became his band director), Carlos Alomar, and Robin Clark. Listen My Brother" performed on the very first episode of Sesame Street aired in November 1969.
Continue reading Luther Vandross 7/2005
Tags: 2005, 54, rnb, stroke
Tyrone Davis 2/2005
February 10, 2005 – Tyrone Davis was born Tyrone Fettson on May 4th 1928 near Greenville, Mississippi. He moved with his father to Saginaw, Michigan, before moving to Chicago in 1959.
His early records for small record labels in the city, billed as "Tyrone the Wonder Boy", failed to register until successful Chicago record producer Carl Davis signed him in 1968 to a new label, Dakar Records that he was starting as part of a distribution deal with Atlantic. He suggested that he change his name and he borrowed Carl's last name Tyrone Davis.
Continue reading Tyrone Davis 2/2005
Posted on March 23, 2019 by Macamba0 — Leave a comment
Jimmy Dewar 5/2002
Jimmy Dewar (12 October 1942 – 16 May 2002) was a Scottish musician best known as the bassist and vocalist for Robin Trower and Stone the Crows, the latter having its beginnings as the resident band at Burns Howff in Glasgow. He was educated at St. Gerards Senior Secondary School in Glasgow.
There was a strong Scottish music scene in Glasgow in the early 1960s, serving great talents to the burgeoning birth of rock and roll. Alex Harvey, Lulu, Maggie Bell, Frankie Miller, Jimmy Dewar and others. Strangely, Jimmy's musical career was not to begin with his vocal talents, but as guitar player with Lulu and the Lovers in the early 60's.
Dewar had started out playing in a local band called the 'Gleneagles' in the early sixties but his career began with Lulu and the Luvvers in 1963. From there he joined a band called 'Sock 'Em JB' which included the legendary Scottish rock vocalist Frankie Miller.
In 1967 Jimmy joined a band called 'Power' with Maggie Bell, which later turned into 'Stone The Crows' with Jimmy and Maggie on vocal duty, managed by Peter Grant, who also toured the world with Led Zeppelin.
Maggie Bell took him on board with the legendary "Stone the Crows" and the shy man's voice was soon exposed on classics like "The touch of your loving hand". Another young singer had exploded onto the music scene, but the best was yet to come. Living in London with his wife Martha and their young family, he was approached by Frankie Miller. The two Glasgow buddies were having a small refreshment when out of the blue Frankie told Jimmy that "there might be a job going" with some guitar player called Robin Trower, that the music industry insiders were raving about. "What kind of job?" asked Jimmy. Frankie laughed and said, "Oh, I don't know. Maybe playing bass, maybe singing". Jimmy applied and got both jobs.
Dewars career reached its zenith with Robin Trower, the legendary British rock power trio, especially after the 1974 release of the album Bridge of Sighs, which put Trower in the global limelight as one of rock's guitar legends, while Jimmy Dewar found recognition as one of the best white soul vocalists on the planet.
Trower History
Trower had joined Gary Brooker's band Procol Harum following the global success of their debut single "A Whiter Shade of Pale" in 1967, remaining with them until 1971 and appearing on the group's first five albums. But the fact that Procol Harum was heavily keyboard focused, made Trower committed to find that right combination of artists that would help inspire him to write and play to his potential as a guitarist. He tried with the band 'Jude' with Frankie Miller, ex-Jethro Tull drummer Clive Bunker and Jimmy Dewars on bass. This wasn't working for anyone. The outfit did not record and Trower soon split, taking only Jimmy Dewar with him. The rest is history!
Dewar made his mark as an acclaimed blue eyed soul singer, performing in front of sold-out stadiums and concert halls at the crest of the 1970s classic rock era. The Scot had a rich, powerful voice, with a soulful timbre, and has been regarded by critics as one of the most under-rated rock vocalists. His vocal sound was deep, gritty, and resonating, his style shows the influence of Ray Charles and Otis Redding. Like Paul Rodgers and Frankie Miller, his voice evoked a bluesy, soul-inspired sound. For a while The Robin Trower Band became the hottest thing on the planet and introduced "Stadium Rock" to the U.S.A. Frankie was right! The R.T.B. were the first band to sell tickets by the hundreds of thousands. Gold and Platinum albums were thrown at them like frizbees.
Amongst James Dewars biggest fans were Frankie Miller, Billy Connolly, Donny Hathaway, Rod Stewart, not forgetting Maggie Bell and Lulu herself.
Dewar recorded his one solo album, "Stumbledown Romancer", during the 1970s, at the height of his career, but it was not released until two decades later. He collaborated primarily with longtime Procol Harum organist Matthew Fisher on the album, with the title track relating a hard-luck story …
…Stumbledown Romancer
I never made the grade
Never on the dance-floor when the music played
Always moving on when I should have stayed…
The famous Scottish screenwriter, Peter McDougall, still talks of his first experience of meeting Jimmy. When having a drink with Frankie, Peter noticed that the man standing next to him was clothed in snakeskin trousers, cowboy boots and not much else. "Who's that?" Peter asked. Frankie replied "That's James Dewar". Peter howled, " Well, I want to be one of them!"
It says it all. Everyone from Metallica to the Stereophonics were influenced by the voice of the Scotsman.
Jimmy's honeyed voice and effortlessly dead-on phrasing have received – all true – let's not overlook that Jimmy's voice was the soundtrack for the moment when countless people fell in love, much the way Elvis or Sinatra once were. Although it might make a few of us blush, I know I'm not the only person to have indelible, crystal-clear memories of making love while wrapped in the warming coccon of "Bluebird" and "For Earth Below" and "About To Begin" and "Little Girl". And that's not a nudge-of-the-elbow and a lascivious-wink type of comment but simply the highest praise I know to give an artist.
Jimmy had a stroke in 1987 that left him needing constant care. He died 15 years later on May 16, 2002 of a stroke after years of disability resulting from a rare medical condition, CADASIL, which caused a series of strokes.
Some day – maybe even right this moment – some kid who doesn't know who the heck "Jimmy Dewar'" is, is going to plunk on a vintage Trower album on a whim, hear that voice riding atop Robin's licks; vistas are going to open up wide and that kid's world will never be the same again. This is the blessing inside the sadness – that every time that happens, Jimmy will be alive, strong and healthy.
Widely-regarded as one of the most underrated rock vocalists, the late singer for The Robin Trower Band had a rich, soulful and resonating voice as can be heard on all tracks of the break through album "Bridge of Sighs". and in my opinion one of the all time best rock albums.
Posted on March 8, 2017 July 9, 2018 by Macamba0 — Leave a comment
Memphis Minnie 8/1973
August 6, 1973 – Memphis Minnie was born Lizzie Douglas on June 3, 1897 in Algiers, Louisiana, just outside New Orleans.
She was the eldest of 13 siblings. Her parents, Abe and Gertrude Douglas, nicknamed her Kid when she was young, and her family called her that throughout her childhood. It is reported that she disliked the name Lizzie. When she first began performing, she played under the name Kid Douglas.
When she was 7, she and her family moved to Walls, Mississippi, south of Memphis. The following year she received her first guitar, as a Christmas present. She learned to play the banjo by the age of 10 and the guitar by the age of 11, when she started playing at parties.
Continue reading Memphis Minnie 8/1973
Categories: PIONEERS, VOCALISTS
Posted on March 20, 2017 May 30, 2018 by Macamba0 — Leave a comment
Blind Willie McTell 8/1959
August 19, 1959 – Blind Willie McTell was born William Samuel McTier on May 5th 1898 in Thomson, Georgia. Few facts are known about his early life. Even his name is uncertain: his family name was either McTear or McTier, and his first name may have been Willie, Samuel, or Eddie. His tombstone reads "Eddie McTier." He was blind either from birth or from early childhood, and he attended schools for the blind in Georgia, New York, and Michigan.
While in his early teens, McTell learned to play the guitar from his mother, relatives, and neighbors in Statesboro, where his family had moved. In his teenage years, after his mother's death, he left home and toured in carnivals and medicine shows. In the 1920s and 1930s McTell traveled a circuit between Atlanta, Augusta, Savannah, and Macon. This region encompasses two major blues styles: Eastern Seaboard/Piedmont, with lighter, bouncier rhythms and a ragtime influence; and Deep South, with its greater emphasis on intense rhythms and short, repeated music phrases. Continue reading Blind Willie McTell 8/1959


text:
ICE-L
Project: ICE-L
185 datasets found (10 shown). Full dataset descriptions and data access links are available by selecting the dataset title.
Previous1..567891011121314..19Next
WRF 1KM Radar Reflectivity Forecast Imagery (Monument to Cheyenne) [Dudhia (NCAR-MMM)]
This dataset contains Weather Research and Forecasting Model (WRF) 1 kilometer vertical cross-sections of radar reflectivity from Monument, CO to Cheyenne, WY. The imagery was generated during the ICE-L project and is in PNG format. It covers the time...
WRF 1KM Radar Reflectivity Forecast Imagery (Rawlins to Cheyenne) [Dudhia (NCAR-MMM)]
This dataset contains Weather Research and Forecasting Model (WRF) 1 kilometer vertical cross-sections of radar reflectivity from Rawlins, WY to Cheyenne, WY. The imagery was generated during the ICE-L project and is in PNG format. It covers the time...
WRF 1KM Radar Reflectivity Forecast Imagery (Rifle to Greeley) [Dudhia (NCAR-MMM)]
This dataset contains Weather Research and Forecasting Model (WRF) 1 kilometer vertical cross-sections of radar reflectivity from Rifle, CO to Greeley, CO. The imagery was generated during the ICE-L project and is in PNG format. It covers the time span...
WRF 1KM Radar Reflectivity Forecast Imagery (Winter Park to Platteville) [Dudhia (NCAR-MMM)]
This dataset contains Weather Research and Forecasting Model (WRF) 1 kilometer vertical cross-sections of radar reflectivity from Winter Park, CO to Platteville, CO. The imagery was generated during the ICE-L project and is in PNG format. It covers the...
WRF 1KM Relative Humidity Forecast Imagery (Craig to Denver) [Dudhia (NCAR-MMM)]
This dataset contains Weather Research and Forecasting Model (WRF) 1 kilometer vertical cross-sections of relative humidity. The imagery was generated from Craig, CO to Denver, CO to during the ICE-L project. It is available in PNG format and covers...
WRF 1KM Relative Humidity Forecast Imagery (Craig to Greeley) [Dudhia (NCAR-MMM)]
This dataset contains Weather Research and Forecasting Model (WRF) 1 kilometer vertical cross-sections of relative humidity. The imagery was generated from Craig, CO to Greeley, CO to during the ICE-L project. It is available in PNG format and covers...
WRF 1KM Relative Humidity Forecast Imagery (Craig to Laramie) [Dudhia (NCAR-MMM)]
This dataset contains Weather Research and Forecasting Model (WRF) 1 kilometer vertical cross-sections of relative humidity. The imagery was generated from Craig, CO to Laramie, WY during the ICE-L project. It is available in PNG format and covers the...
WRF 1KM Relative Humidity Forecast Imagery (Kremmling to Cheyenne) [Dudhia (NCAR-MMM)]
This dataset contains Weather Research and Forecasting Model (WRF) 1 kilometer vertical cross-sections of relative humidity. The imagery was generated from Kremmling, CO to Cheyenne, WY during the ICE-L project. It is available in PNG format and covers...
WRF 1KM Relative Humidity Forecast Imagery (Monument to Cheyenne) [Dudhia (NCAR-MMM)]
This dataset contains Weather Research and Forecasting Model (WRF) 1 kilometer vertical cross-sections of relative humidity. The imagery was generated from Monument, CO to Cheyenne, WY during the ICE-L project. It is available in PNG format and covers...
WRF 1KM Relative Humidity Forecast Imagery (Rawlins to Cheyenne) [Dudhia (NCAR-MMM)]
This dataset contains Weather Research and Forecasting Model (WRF) 1 kilometer vertical cross-sections of relative humidity. The imagery was generated from Rawlins, WY to Cheyenne, WY during the ICE-L project. It is available in PNG format and covers...


text:
Financing | What is
Current SBA Loan Rates for January 2023
WRITTEN BY: Matthew Sexton
Matt has more than 10 years of financial experience and more than 20 years of journalism experience. He shares his expertise in Fit Small Business' financing and banking content.
This article is part of a larger series on Business Financing.
1 SBA 7(a) Loan Interest Rates & Explanation
2 SBA Loan Rates on CDC/504 Loans
3 SBA Loan Interest Rates on SBA Microloans
4 Economic Injury Disaster Loans (EIDLs)
With interest rates steadily rising throughout 2022, more borrowers are turning to Small Business Administration (SBA) loans to obtain affordable financing. While SBA rates have also risen over the last year, these remain among the most affordable loan options.
Regardless of what type of SBA loan you need, you'll likely find lower rates than other financing options. Listed in the table below are the six types of SBA loans and the current loan rate ranges for each type.
SBA loan rates as of January 17, 2023
SBA 7(a) loan rates
9.75% to 12.25%
SBA Express loan rates
12.0% to 14.0%
CDC portion of CDC/504 loan rates
6.282% to 6.433%
SBA Microloan rates
6% to 9%
SBA Economic Injury Disaster Loan (EIDL) rates:
2.75% to 3.75%
If you're looking for an SBA loan, South End Capital is a great choice. You can get funding of up to $25 million with little to no collateral and a credit score as low as 650. Even if you're a sole proprietor or a startup, you can get funding through this lender.
Visit South End Capital
SBA 7(a) Loan Interest Rates & Explanation
The SBA sets the maximum interest rates banks can charge for SBA 7(a) loans, and rates vary depending on the size of the loan and the length of the repayment term. These loans are based on market interest rates, so as the prime rate changes, so will the SBA 7(a) loan rates.
Maximum SBA 7(a) Loan Rates for January 2023
Loan Size
Repayment Term Less than 7 Years
Repayment Term Greater than 7 Years
11.75% (prime rate + 4.25%)
More than $50,000
9.75% (prime rate + 2.25%)
To estimate your monthly payment on an SBA 7(a) loan, check out our free SBA loan calculator. This will allow you to estimate payments based on the current rates and the loan size needed.
How SBA 7(a) Loan Rates are Determined
The maximum interest rate on SBA 7(a) loans is based on three factors:
A base rate (one of the following publicly available interest rate measures): Prime rate, London Interbank Offered Rate (LIBOR) (one month) plus 3.0%, or the SBA's price/earnings to growth (PEG) ratio.
The loan term: Loans of greater than seven years will be priced higher than those under seven years.
The loan size: Loan sizes are categorized as less than $25,000, from $25,000 to $50,000, and over $50,000.
The one-week and two-month LIBOR rates will be retired on Dec. 31, 2021. However, the one-month, three-month, six-month, and 12-month rates will continue through June 30, 2023. It will be replaced by the Secured Overnight Financing Rate (SOFR).
Fixed vs Variable SBA Loan Interest Rates
SBA 7(a) loans can have either a fixed or variable interest rate. Fixed-rate loans have the same interest rate throughout the life of the loan, whereas variable-rate loans can have changes in rates at quarterly or monthly intervals.
Interest rates must be at or below the maximum interest rate set by the SBA. Banks tend to offer only variable rate loans to smaller SBA loans under $500,000. Rates on those loans are typically set near or at the maximum allowed by the SBA.
Base Rate & Interest Rate Resets
Banks can choose one of three market interest rates as their base rate. The prime rate, which is most often used, and LIBOR rates tend to be very close. The SBA PEG rate is released quarterly, so it can differ slightly, especially in a volatile rate market.
Rates as of January 17, 2023
LIBOR (one month) + 3.0%
SBA PEG Rate
SBA Express loans, a subset of the SBA 7(a) loan program, offer a faster approval process than a standard SBA 7(a) loan. However, the price for faster approval is a higher interest rate. Express loans have a maximum of $350,000.
The maximum interest rates for SBA Express loans are:
Loans up to $50,000 (Prime + 6.5%)
Loans over $50,000 (Prime + 4.5%)
SBA Express loans carry a higher interest rate for similar size amounts and terms than the standard SBA 7(a) loan. If you're interested in an SBA Express loan, SmartBiz is an excellent option—you can get funding in as little as 30 days.
Visit SmartBiz
SBA Loan Rates on CDC/504 Loans
The SBA sets the maximum interest rates banks can charge on Community Development Company (CDC)/504 loans. The maximum interest rates on CDC/504 loans are tied to market interest rates based on the amount borrowed.
A CDC/504 loan is composed of two loans:
Bank loan: A loan from a financial institution for typically 50% of the price of the property, equipment, and building upgrades.
CDC loan: A loan from a nonprofit organization, a certified development company (CDC), for 40% of the price.
The remaining 10% is a down payment from the borrower. While the SBA doesn't set the interest rate on the bank portion of the loan, the interest rate on these loans tends to be very low. Since the loan is backed by real estate, there's a lower risk to the bank of not getting back the money it lends. This lower risk is reflected in a lower interest rate.
CDC Loan Interest Rates as of January 17, 2023
10-year Term
20-year Term Refinance
Loan rates for the CDC portion of an SBA 504 loan are fixed for the life of the loan. The loan portion provided by the bank, credit union, or non-bank lender doesn't have to be fixed—it may have a variable rate or balloon payment.
SBA Loan Interest Rates on SBA Microloans
Loan amounts for SBA microloans cannot exceed $50,000, and repayment periods cannot extend beyond six years. Interest rates for microloans generally range from 6% to 9%. However, the exact rates and terms available for SBA microloans vary by lender.
SBA microloans are offered by intermediaries, referred to as SBA microlenders. They're often nonprofit organizations with expertise in small business lending and technical assistance. The SBA maintains a list of all current SBA microlenders, organized by state.
Economic Injury Disaster Loans (EIDLs)
Businesses that have suffered economic loss through a national or economic disaster could be eligible for EIDLs. These SBA disaster loans require a disaster declaration from the federal government for a business to apply.
If your business meets these eligibility requirements, you can apply for an EIDL directly through the SBA's Disaster Loan Portal. However, the portal has been closed for EIDL loans for businesses affected by COVID-19.
EIDL Rates & Terms
EIDL Qualifications
Rate or Term
Up to $2 million or 24 months of economic activity
Repayment Term
3.75% for for-profit businesses
2.75% for nonprofit businesses
Deferral of Payment
The qualification requirements for an EIDL include:
Business type: Businesses, agricultural cooperatives, and nonprofits
Economic injury: Business has faced economic injury as a direct result of the disaster and is unable to pay ordinary operating expenses
Business size: No more than 500 employees; sole proprietors or independent contractors are eligible
Credit: At least a FICO score of 570 for loans up to $500,000; for loans over $500,000, a minimum FICO score of 625 is required
Business revenue: There are no revenue requirements, and qualification doesn't require tax return or tax return transcript for approval
What is the interest rate on an SBA 7a loan?
The maximum interest rate on an SBA 7(a) loan is determined by the size of the loan and the length of the repayment term. Those rates can be calculated using the following list below:
Less than $25,000 loan, less than seven-year term: Prime rate + 4.25%
Less than $25,000 loan, more than seven-year term: Prime rate + 4.75%
$25,000 to $50,000 loan, less than seven-year term: Prime rate + 3.25%
$25,000 to $50,000 loan, more than seven-year term: Prime rate + 3.75%
More than $50,000 loan, less than seven-year term: Prime rate + 2.25%
More than $50,000 loan, more than seven-year term: Prime rate + 2.75%
What disqualifies you from getting an SBA loan?
You can be disqualified from getting an SBA loan for either personal or business reasons. For instance, you can be denied if one or more of the following is true:
There's an issue of character, such as a criminal record
You don't have the revenue to repay the loan
You don't have enough collateral
Meanwhile, your business can be disqualified if you're in an ineligible business, including those engaged in illegal activities, loan packaging, speculation, multisales distribution, gambling, investment, or lending, or where the owner is on parole.
How long can you finance an SBA loan?
The maximum length of an SBA loan depends on the loan type. Real estate loans can be financed for up to 25 years, while equipment loans, working capital loans, and inventory loans max out at 10 years.
While all interest rates have increased over the last year, SBA loans still provide the lowest rates available; however, these tend to take the longest to get funded. If you need a small business loan quickly, then you might consider a fast business loan or a same-day business loan. These can be funded within 24 hours but come with higher fees and interest rates than an SBA loan. If you can wait on funding and can qualify, SBA loans are the best financing option available for your business.
Find Matthew OnLinkedIn
Matthew Sexton
Matt Sexton is a finance expert at Fit Small Business, specializing in Small Business Finance. He holds a bachelor's degree from Northern Kentucky University and has more than 10 years of finance experience and more than 20 years of journalism experience. He has worked for both small community banks and national banks and mortgage lenders, including Fifth Third Bank, U.S. Bank, and Knock Lending.
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text:
Home Publishers Archie PREVIEW: Read a full story from BETTY & VERONICA JUMBO COMICS DIGEST...
PREVIEW: Read a full story from BETTY & VERONICA JUMBO COMICS DIGEST #300
The milestone issue arrives in stores from Archie Comics next week.
Joe Grunenwald
Next week Archie Comics will release Betty & Veronica Jumbo Comics Digest #300. The landmark 300th issue of the digest series features a brand-new story starring Riverdale's most famous females by writer & penciller Dan Parent, inker Bob Smith, colorist Glenn Whitmore, and letterer Jack Morelli, along with a collection of classic B&V stories. Today The Beat is pleased to present a preview of the new story, "Sister, Sister!", as well as a full six-page classic story.
Here's how Archie describes the double-sized new entry in Betty & Veronica Jumbo Comics Digest #300:
BRAND NEW STORY: "Sister, Sister!" Betty and Veronica realize both of their parents' anniversaries are only a couple of days apart, so they decide to throw a big anniversary party for both the Lodges and the Coopers. Planning the event makes them feel like sisters, which leads them to imagine what their lives would be like if they actually were sisters in this landmark 300th issue!
The classic reprint story previewed below, "There's Snow Business Like Snow Business!," was written by Barbara Slate, pencilled by Jeff Shultz, inked by Rich Koslowski, and lettered by Bill Yoshida. The story finds Betty trying to convince Veronica to help her build a snowman, with unexpected results.
Betty & Veronica Jumbo Comics Digest launched in 1987, with Double Digest in place of Jumbo. The series first sported the Jumbo Comics subtitle with 2014's issue #223, though it rotated titles before finally settling on its current title February 2018's issue #259. The series is the latest Archie Comics digest to reach 300 issues; Archie Jumbo Comics Digest hit the mark itself back in 2019.
Check out the two-page preview of the new story from Betty & Veronica Jumbo Comics Digest #300, as well as the complete six-page classic reprint story, below. The 192-page book arrives in stores next Wednesday, January 12th. Here's to the next 300.
Barbara Slate
Betty & Veronica
Bill Yoshida
Dan Parent
Jeff Shultz
Jumbo Digest
Rich Koslowski
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Joe Grunenwald is a writer and editor living in the Pacific Northwest. He's taller than a lot of people but not as tall as some people.
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2. Commercial Teas Highlight Plant DNA Barcode Identification Successes and Obstacles SUBJECT AREAS: BIOINFORMATICSEARTH AND ENVIRONMENTAL SCIENCES Mark Y. Stoeckle1, Catherine C. Gamble2, Rohan Kirpekar2, Grace Young2, Selena Ahmed3 PLANT SCIENCES & Damon P. Little4 BIODIVERSITY 1 Program for the Human Environment, The Rockefeller University, New York, NY 10065, USA, 2Trinity School, New York, NY 10024, USA, 3Department of Biology, Tufts University, Medford, MA 02115, USA, 4Lewis B. and Dorothy Cullman Program for Received Molecular Systematics, The New York Botanical Garden, Bronx, New York, NY 10458, USA. 25 May 2011 Accepted Appearance does not easily identify the dried plant fragments used to prepare teas to species. Here we test 6 July 2011 recovery of standard DNA barcodes for land plants from a large array of commercial tea products and Published analyze their performance in identifying tea constituents using existing databases. Most (90%) of 146 tea 21 July 2011 products yielded rbcL or matK barcodes using a standard protocol. Matching DNA identifications to listed ingredients was limited by incomplete databases for the two markers, shared or nearly identical barcodes among some species, and lack of standard common names for plant species. About 1/3 of herbal teas generated DNA identifications not found on labels. Broad scale adoption of plant DNA barcoding may Correspondence and require algorithms that place search results in context of standard plant names and character-based keys for requests for materials distinguishing closely-related species. Demonstrating the importance of accessible plant barcoding, our findings indicate unlisted ingredients are common in herbal teas. should be addressed to M.Y.S.
12. product: K24 ginger root, natural flavors, linden, lemon label: peel, blackberry leaves, lemongrass, citric acid non–label annual bluegrass (Poa annua) DNA: K24 rbcL is an exact match to Poa annua (annual bluegrass), family Poaceae. Listedinterpretation: ingredient lemongrass (Citropogon citratus) is also in Poaceae. K24 rbcL has lower identity to C. citratus (94.0%; GQ436383).
13. product: MRa6 label: ginger, chicory non–label stevia (Stevia rebaudiana) DNA: MRa6 rbcL is an exact match to Stevia rebaudiana, family Asteraceae, tribe Eupatorieae. Listed ingredient chicoryinterpretation: (Cichorium intybus) is also in family Asteraceae, but in a different tribe, Cichoreae. MRa6 rbcL has lower identity to C. intybus (97.4%; L13652).


text:
Baltimore Wrap rap; yo…..word
Before I begin, I really, positively, ABSOLUTELY need to say thanks to my homeys in the ROBO unit in the TV compound at Baltimore. They toil away in the trenches on behalf of VS and hardly ever get air time. Today's photogenic lead shot is a screen cap of their excellent work. Thanks to Coy, Rob, Compy, Ryan and K-Roge for allowing me and my niece to visit during Lights practice. They tried to convince Mike Wells that they were working, but we know better….I'm just sayin. Seriously, graphics and robo are really the seldom recognized among the inner workings of a race broadcast.
I am not too down with non-oval (road) racing in the Izod Indy Car Series, nor am I enamored with street courses, either. I usually spend a ton of my time within the confines of the Mother Ship IMS during the month of May, like for the past 30 years. Baltimore totally 'eFfed me up. I am not kidding. Large, totally humongous props and personal thanks to the fine peeps at Client Services for their accommodation of my credential request. I was given a chance to expose a new world of motor racing to a previous NASCRAP kinda, sorta fan. Oh, my niece did grow up near Penn State and knows where Williams Grove is and has attended a few events there but….still, NASCRAP at Po Ko-Oh No was her major experience to date. Then came the show in Baltimore….
http://www.youtube.com/watch?v=EUjNTD_FJSM
By now you have seen the YouTube sensation "Kannan gets MAJOR AIR, Helio saves his life", or, "Rahal almost meets his Maker". TK"s air video had over a MILLION hits by Wednesday so I am sure IICS got major wow factor as a result. But the street atmosphere in BWI? Oh my. At Indy, a typical fan can get about 30 feet from the track surface as a best vantage point say, in the short chute between turns 3 and 4. If you can score handicapped seats (or if you are cool enough to support a handicapped friend to see the race real close) the viewing from that vantage point can be mind numbing. At the Grand Prix of Baltimore, you could get that close to the catch fence while sitting at a corner bar, watching cars go by with deafening sound. For the recently initiated (read BGP spectator) to Indy cars close up, they look fast sitting still. These stick and ball sport fans really could not eat up enough of the sights and sounds. Believe me.
Props as always to Speed TV and the incomparable Marshall Pruett for this link:
http://auto-racing.speedtv.com/article/indycar-baltimore-rewind
I witnessed Randy and his minions pulling out the stops on Free-not much track activity- Friday at the track; there must have been 3000 fans walking around the convention center paddock. Several hours were spent watching teams killing time in s l o w m o t I o n and the fans were freakin loving it. That was the best good will gesture IICS could have ever made, especially with the track just a smidge away from completion. Some of my posse madly tweeted that it looked like an IICS Trade Show at the convention center. With no action on track, the series participants did HUGE interactions with the crowd. Case in point, I am an unabashed Hinchtown fan and feel James is part of the future of the sport. I spent a lot of time hanging like a skool gurl around their hauler. James was signing everything in sight for an hour and Oriel Servia was inviting little kids to sit in the car while he posed for shots taken by totally awe struck parents of said little kids. This type of good will generated for the series cannot be bought at any price. I mean, stick and ball guys would never do this on a rain delay.
A special thanks to the_Race_gIRL for providing the spark to blog and for the advise she offered at BWI. I hope to follow in her foot steps one day and do advertising for a race team. Nah, my goal is techie IT stuff for them. Thanks, Monica! I also had the pleasure of the BEST hotel room on the Bay. Here is what my view looked like as I slept for 5 nights in this unique hotel "room"
The "Gorgeous Facility" that makes up the water front street course called Baltimore's Inner Harbor blows away anything I have seen before in a race facility. I even own property in St Pete and that place wishes it could get the love shown in BWI for their event. Granted, there were a few, well maybe many, locals that do not share the venue's positive vision with the soon to be re-elected mayor, but there would absolutely be nothing going on in downtown BWI Labor Day weekend otherwise. Baseball games at Camden Yards notwithstanding, most of the locals that can, do go south to Ocean City, Maryland for the last summer fling. Most of my observations reflected a ton of party people doing stuff I can do in Indy but with a different atmosphere all together. I mean party people with a capital P! Stop off at the Hilton, INSIDE the center of the track, have a cocktail at the bar with the Lights teams and their staff while watching the race in real time on the big screen. Step outside the Hilton and you are at the start of the back straight just past turn l. Do that somewhere besides Long Beach.
This week's comments on Baltimore sure ended up being a touchy – feely kind of love fest for the crab samm'ich capitol. However, the vibrancy of the event all weekend is a bright spot. With the safety vheicles in the way, Tony flying and Seabass qualifying so well, all the things that went, or could have gone very badly for the series were washed away in the reception Indy Car received. Kudos to Mr. Angstadt and Mr. Bernard. On to 4 more years of upward trajectory for the series in Baltimore.
← Ah, a pleasant Friday night (afternoon) in Sonoma's wine country and here in Indy it feels strange to be watching motorcycles……
Princess Sparkle Pony bids farewell……does that move you? →


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Lehigh wide receiver Rennie Benn put the finishing touches on a brilliant collegiate football career yesterday, when he was awarded Kodak's Division I- AA first team All-America honors for his record-setting 1985 season.
The most prolific pass-catcher in Engineer history, Benn holds almost every receiving mark in the Lehigh record books. He was awarded second-team All-American honors by the Associated Press in 1984, and honorable mention on the AP team in 1983.
"It's nice, a good way to end up a career," said Benn. "And it (the Kodak award) is doubly nice because the coaches pick it."
The 6-4, 195-pound senior from Short Hills, N.J., caught 73 passes for 1,087 yards and 14 touchdowns during the 1985 season. His career statistics are an impressive 237 receptions, 3,662 yards, and 44 touchdowns.
Interestingly, Benn once put football "on hold" and concentrated on baseball, but did play his senior year at Millburn High School after a friend by the name of Marty Horn talked him into going back out for the team.
And although Benn did play football his senior year at Millburn, he still went off to college in Ohio thinking he would make his athletic fame on the baseball diamond. But he transfered to Lehigh, and rapidly worked his way through the lineup even as a transfer "walk-on."
When Lehigh played Penn midway through his freshman season in 1982, Benn got some playing time in a losing effort and caught a touchdown pass from Horn. His performance sent reporters in the press box scrambling through their program to see if his first name was actually Reggie, Ronnie, or whatever, but after the Penn game, nobody had to ask again.
His freshman season made Benn a believer, and he began to concentrate on making himself a better football player. He givesMarty Horn a lot of credit for the success that followed.
"After my freshman year, Marty and I worked hard in the summers," Benn said. "It almost was like having an unfair advantage."
In fact, opponents sometimes had to wonder if the Horn-to-Benn combination operated on mental telepathy: each always seemed to know where the other would be as a pass play unfolded. Of course, it does not hurt that Benn also runs excellent pass patterns, has fly-paper hands, and possesses good speed - as examplified by a silver medal performance in the East Coast Conference 100 meter dash last May. Horn and Benn became experts at "timing patterns", particularly from 20 yards and in, which utilized Benn's height advantage against most defensive backs.
Not surprisingly, Benn is attracting some interest from pro scouts. A representative from the Dallas Cowboys, in fact, was in Bethlehem earlier this week and put Benn through a series of time trials. Benn also has received letters from other National Football League teams (as have Horn, and Lehigh receiver Todd Melton), including the Philadelphia Eagles.
"It's a long shot . . . so few people make it," says Benn of possible employment in the NFL. "But I'd like to take my shot."
Benn's best game probably came against Indiana University of Pennsylvania this season, as he caught five touchdown passes and was honored by the famed Maxwell Club in Philadelphia. He states that Lehigh's 1983 season, a campaign that saw the Engineers go 8-3, was his most memorable.
"We played tough competition - teams like Army, Navy - and we went 8-3," says Benn. "That was a good year."
But with Rennie Benn, it may only be his best college season. Don't be surprised if the best is yet to come.


BAGHDAD, May 17 -- With stunning brazenness, pinpoint timing and devastating force, the suicide car bomber who killed the head of Iraq's Governing Council on Monday gave shape to a feeling among Iraqi and U.S. officials and common citizens that the country is almost unmanageable.
With the transfer of limited powers to a new Iraqi government scheduled to take place in six weeks, U.S. and allied forces have been unable to eradicate threats to Iraq's stability, and no one has predicted a reduction in violence before the June 30 handover.
U.N. envoy Lakhdar Brahimi is trying to create the caretaker government that will assume authority, but on Monday debate over the details of his plan took a back seat to a more basic question: If Iraq's titular president, Izzedin Salim, can be blown up at the gates of occupation headquarters, what kind of country is being handed over to Iraqis?
"We could not imagine the deterioration leading to such a point. It's getting worse day after day, and no one has been able to put an end to it. Who is going to protect the next government, no matter what kind it is?" said Abdul Jalil Mohsen, a former Iraqi general and member of the Iraqi National Accord, a prominent party represented on the U.S.-appointed Governing Council, which Salim headed this month under a rotating system.
"There's no question: A small band of people can paralyze the country," said Mahmoud Othman, an independent Kurdish member of the council. "They are armed and organized and this is the difficulty. The people who did this have no respect for anything of value. It's a real danger to Iraq, the Iraqis and to an agenda to achieve any kind of democracy."
Inside the Green Zone, the heavily fortified U.S. administration compound that Salim was about to enter when the suicide bomber struck, expectations are grim. "It will take a lot of doing for this not to end in a debacle," a senior occupation official said. "There is no confidence in the coalition. Why should there be?"
On Baghdad's hot and dusty streets, Iraqi working people also expressed a deep sense of pessimism. "Our country is at a loss. I don't think that even after the handover the government will control things," said Ali Fakhri, who owns a fabric store in the Kadhimiya district.
"Just look around," said Bakran Ohan, who sells baby clothes. "Do you see any police? Any soldiers? There is a complete lack of security. It won't change from day to night on June 30."
Salim's death was a high-profile reminder of the broader violence affecting Iraq. Central Iraq, home to a long-running revolt by Sunni Muslims, is plagued by daily roadside bombings, occasional car bombings and frequent assassinations of Iraqis working with the U.S.-led administration. To the south, frequent clashes over the past six weeks have pitted U.S. and allied forces against a persistent insurgency led by Shiite Muslim cleric Moqtada Sadr. Fighting has all but paralyzed several southern cities.
Hostile bands operate freely in cities that straddle the main routes in and out of Baghdad. Foreigners who travel Iraqi roads run the risk of being kidnapped, and reconstruction projects in many parts of the country have come to a standstill.
Car bombs have been used repeatedly with devastating effect in Baghdad and other parts of the country since August, when the first of them destroyed the Jordanian Embassy. Since then, targets have included the U.N. headquarters, Red Cross headquarters, several police stations and two entrances to the Green Zone.
U.S. officials say assassinations and attacks on government buildings are designed to drive a wedge between the occupation authority and Iraqi citizens. When the Iraqi National Accord issued a letter of condolence after Salim's slaying, it noted that six of its members have been killed over the past six months. Salim is the second Governing Council member to be killed since the group's formation last summer.
Since late April, the Iraqi press has reported at least a dozen attempts to kill Iraqis working -- or suspected of working -- with the Americans. On April 28 in Baghdad, a mob hanged three men, each accused of working "as a spy for the enemies of Islam," according to a message left at their feet. The next day, gunmen shot an employee of Baghdad's Sadr City district town hall at his home. The assailants left a letter in his pocket warning against holding a funeral. On May 8, gunmen in Yusufiya, south of Baghdad, killed the head of the town council as he drove on a main street. Farther south in Samawah the next day, gunmen ran the car of the deputy mayor off the road and shot him and three passengers.
Last week, a man in a red mask put a stick of dynamite at the door of a local tribal leader, Roukan Mughier Atwan. It exploded while Atwan was trying to douse it with water, killing him and one of his daughters. Atwan had met with U.S. officials, part of consultations that military authorities try to carry on with traditional leaders; his brother, Thayer, said a letter had been posted nearby promising death to anyone who helped the Americans.
• Iraqi Council President Killed: A car bombing in Baghdad killed Iraqi Governing Council President Izzedine Salim.
• Transcript: Bathsheba Crocker, from the Post-Conflict Reconstruction Project at the Center for Strategic and International Studies, discusses the assassination of Iraqi Governing Council president.
• Original Council: Two of the original 25 members of Iraq's Governing Council have been killed.


text:
So many Bob Levins on the Internet; I'm the Bob Levin who writes.
The Best Ride To New York
Fully Armed: The Story Of Jimmy Don Polk
The Pirates And The Mouse: Disney's War Against The Counterculture
Outlaws, Rebels, Freethinkers & Pirates [& Pornographers]: Essays On Cartoons and Cartoonists
Most Outrageous: The Trials and Trespasses of Dwaine Tinsely and Chester the Molester
The Schiz
Adventures in Marketing: Week 164
Are you selling these?
If someone will buy them.
And you, uh, uh, write…
I write them. I sell them.
He had been around for years. On his good days he slouched in a chair by the door of the café and twitched. On bad days, he stood outside, shaking, shouting, waving his arms. I had never seen him speak to anyone except the owner when he was being told to keep quiet or move. He had a grey beard and a wool coat. He had not cleaned it or himself in a while. He had a "trailer," a body-width-wide, body-length-long, four-sided, roofed and floored structure, whose two-halves, which snapped together in the middle, could enclose a sleeper. It had wheels and a hitch that could attach to a bicycle but it sat now in the parking lot of the health food restaurant across the street like a shell awaiting its mollusk to return.
He said he would see me when he had money.
I said I would be back Wednesday. The first of the month had been a week ago and I did not see him receiving an infusion of cash soon.
When I was leaving, he asked what philosophy I offered people who read my books.
That was a good question. I said I did not have a philosophy, except to write about what interested me at the moment. I wrote a lot, I said, about alternative and underground cartoonists.
I had to repeat that for him.
He said something which referenced "The Telley Times."
B.N. Duncan, I said. I've written about him,
Bob, I said.
Wayne, he said. Like Bruce Wayne
He had been born in Berkeley in 1949. He was writing about spiritual matters himself.
Wednesday, Wayne was there with a crumpled $5 bill. He wanted "The Schiz" because of its cartoons. I told him it was $15, so he wanted me to hold it for him. I said he could take it and pay me when he had more. He came back from his chair with another crumpled $5.
That will be plenty.
Copyright Bob Levin. All Rights Reserved.


text:
Published: September 30 2021
Video: In HELP Committee Hearing, Kaine Pushes for More Affordable COVID-19 Testing, Solutions to Address Teacher Shortage
For video of Kaine's remarks, click here
WASHINGTON, D.C. —Today, during a Senate Health, Education, Labor, and Pensions (HELP) Committee hearing titled: School Reopening During COVID-19: Supporting Students, Educators, and Families, U.S. Senator Tim Kaine asked Xavier Becerra, Secretary of the U.S. Department of Health and Human Services (HHS), what the agency is doing to make COVID-19 rapid tests more affordable and pressed Miguel Cardona, Secretary of the U.S. Department of Education, about what the Department is doing to address the teacher shortages affecting students in Virginia and across the nation.
"Why are tests in the United States so much more expensive than in countries like Germany or the U.K. or India? And what are we doing to make sure that the costs are costs that people can afford? … I would like to hear what your metric is about not just the supply but what the cost should be to somebody who goes to a pharmacy to buy an over-the-counter test. Because, again, if the research shows that people will get tested if it's a buck or two bucks or three, but they won't get tested if it's $15, they won't regularly test. But we can have all the supply we want, [and] if the cost isn't affordable, then people aren't going to take advantage of it," Kaine said to Secretary Becerra.
"I'm really worried about teacher shortages and school shortages generally – school bus drivers and guidance counselors. My city of Richmond, my hometown, [they had] 435 vacancies at the start of the school year just a couple weeks back. It's been a very difficult time for teachers, so what are you all doing to kind of put your arms around that problem and focus upon teacher recruitment and retention and teacher preparation, because I think this is a challenge all across the country," Kaine said to Secretary Cardona.
The COVID-19 pandemic has exacerbated the existing teacher shortages across this country, especially in subjects crucial to the future success of our nation's students, like special education, career and technical education, science, and math. To address the nationwide teacher shortage, Kaine recently re-introduced his bipartisan Preparing and Retaining Education Professionals (PREP) Act to address teacher and principal shortages, particularly in rural communities, and increase teacher diversity. This legislation will help ensure that there are enough teachers and principals with the right skills and tools to prepare students for the future. Kaine's PREP Act would, among other things, invest in high-quality teacher residency programs such as Grow Your Own programs and support states in increasing teacher diversity, focusing on high-need schools.
In July, Kaine led 13 of his colleagues in a letter to Senate leadership urging them to invest in a well-prepared, diverse, supported, and stable educator workforce – including through teacher training – in the Build Back Better bill.


Flip-it rebuilt in a 3D printed shell.
"Finished" another robot today. However it has a 3D printed weapon. Going to have to buy a bar of aluminium.
Introducing Stolen Concept weighing in at 132g.
Made myself a Transmitter. Printing lid and adding in a switch still need to be done.
I am powering it using a 1s lipo (18650 rescued from a broken laptop) and boosting it up to 5v.
I have now built all the components for a DIY robot. When I get some spare time around Christmas I am going to write a guide on building an antweight robot for less the £20(even without a 3D printer).
Cool, how've you done that?
I see some kind of Arduino-type board, what protocol does the radio run on?
Does it use a RC protocol? Or bluetooth? Wifi? Something else?
It uses RC protocol, you have to set the frequency up to match the modules. Here is a guide on how to use the modules. I just adapted it suit my needs and added mixing into the code.
But that's ok if it works for you.
I'm looking at how to build a receiver / control board using a nrf52832 module, it seems that it's possible to run RadioHead on there, so that's an option (and use your transmitter). The module also supports Bluetooth LE (aka Bluetooth 4) which seems like it's something of a headfuck; Betsie currently uses "Bluetooth Classic" with a PS3 controller.
Ah ok, I just presumed the Nrf24l01 was the same as an RC protocol just didn't link to any of the well known brands.
The Radiohead library works on quiet a few modules. I just chose the NRF24l01 as you could get one with a amplifier and one that was small enough to fit in an Antweight. Plus there are lots of guides on how to use it.
I can email you my code and list of modules used if you want to see how I've got it working.
Lastest batch of student built robots, mainly year 7s. Notice D3 in the middle...his passion for building is amazing. Hopefully in 2 years we can build a school heavyweight.
Building a new arena for school. With the potential to add in a polycarbonate shell afterwards. That can either be clipped on to use spinners or removed completely to use non destructive robots. Working towards hosting a AWS next year at the school.
Arena finished... I'll leave the polycarbonate shell/protective cover for a rainy day.
Looks neat, very slightly smaller than mine (81cm square). Polycarbonate sides and roofing shouldn't be too hard.
Thanks. How does that size feel to drive on? I wanted to make a size that wasn't too small and make it too easy to drive off the edge and not to big there would be no battling.
I am also going to print some more clips to close off more edges. Depending on the age of the roboteers to make it easier for them. Plus a couple of goals for football!
The size feels OK, plenty big enough for a mass rumble of most of the Ants that went to the BotFest pilot back in July but small enough to prevent no battling in 1v1 fights. I think the arena used for Ant Freeze is about the same size as yours, perhaps a little bigger but definitely not more than a metre long so you'll probably find your is going to be suitable.


text:
Synchronous I/O scheduling of independent write caches for an array of SSDs
Junghee Lee, Youngjae Kim, Jongman Kim, Galen M. Shipman
Solid-state drives (SSD) offer a significant performance improvement over the hard disk drives (HDD), however, it can exhibit a significant variance in latency and throughput due to internal garbage collection (GC) process on the SSD. When the SSDs are configured in a RAID, the performance variance of individual SSDs could significantly degrade the overall performance of the RAID of SSDs. The internal cache on the RAID controller can help mitigate the performance variability issues of SSDs in the array; however, the state-of-the-art cache algorithm of the RAID controller does not consider the characteristics of SSDs. In this paper, we examine the most recent write cache algorithm for the array of disks, and propose a synchronous independent write cache (SIW) algorithm. We also present a pre-parity-computation technique for the RAID of SSDs with parity computations, which calculates parities of blocks in advance before they are stored in the write cache. With this new technique, we propose a complete paradigm shift in the design of write cache. In our evaluation study, large write requests dominant workloads show up to about 50 and 20 percent improvements in average response times on RAID-0 and RAID-5 respectively as compared to the state-of-the-art write cache algorithm.
IEEE Computer Architecture Letters
https://doi.org/10.1109/LCA.2014.2298394
Hard disk storage
I/O scheduling
Redundant Array of Independent Disks (RAID)
Solid-State Drive (SSD)
Write cache
Lee, J., Kim, Y., Kim, J., & Shipman, G. M. (2015). Synchronous I/O scheduling of independent write caches for an array of SSDs. IEEE Computer Architecture Letters, 14(1), 79-82. [6704732]. https://doi.org/10.1109/LCA.2014.2298394
Synchronous I/O scheduling of independent write caches for an array of SSDs. / Lee, Junghee; Kim, Youngjae; Kim, Jongman; Shipman, Galen M.
In: IEEE Computer Architecture Letters, Vol. 14, No. 1, 6704732, 01.01.2015, p. 79-82.
Lee, J, Kim, Y, Kim, J & Shipman, GM 2015, 'Synchronous I/O scheduling of independent write caches for an array of SSDs', IEEE Computer Architecture Letters, vol. 14, no. 1, 6704732, pp. 79-82. https://doi.org/10.1109/LCA.2014.2298394
Lee J, Kim Y, Kim J, Shipman GM. Synchronous I/O scheduling of independent write caches for an array of SSDs. IEEE Computer Architecture Letters. 2015 Jan 1;14(1):79-82. 6704732. https://doi.org/10.1109/LCA.2014.2298394
Lee, Junghee ; Kim, Youngjae ; Kim, Jongman ; Shipman, Galen M. / Synchronous I/O scheduling of independent write caches for an array of SSDs. In: IEEE Computer Architecture Letters. 2015 ; Vol. 14, No. 1. pp. 79-82.
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abstract = "Solid-state drives (SSD) offer a significant performance improvement over the hard disk drives (HDD), however, it can exhibit a significant variance in latency and throughput due to internal garbage collection (GC) process on the SSD. When the SSDs are configured in a RAID, the performance variance of individual SSDs could significantly degrade the overall performance of the RAID of SSDs. The internal cache on the RAID controller can help mitigate the performance variability issues of SSDs in the array; however, the state-of-the-art cache algorithm of the RAID controller does not consider the characteristics of SSDs. In this paper, we examine the most recent write cache algorithm for the array of disks, and propose a synchronous independent write cache (SIW) algorithm. We also present a pre-parity-computation technique for the RAID of SSDs with parity computations, which calculates parities of blocks in advance before they are stored in the write cache. With this new technique, we propose a complete paradigm shift in the design of write cache. In our evaluation study, large write requests dominant workloads show up to about 50 and 20 percent improvements in average response times on RAID-0 and RAID-5 respectively as compared to the state-of-the-art write cache algorithm.",
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AB - Solid-state drives (SSD) offer a significant performance improvement over the hard disk drives (HDD), however, it can exhibit a significant variance in latency and throughput due to internal garbage collection (GC) process on the SSD. When the SSDs are configured in a RAID, the performance variance of individual SSDs could significantly degrade the overall performance of the RAID of SSDs. The internal cache on the RAID controller can help mitigate the performance variability issues of SSDs in the array; however, the state-of-the-art cache algorithm of the RAID controller does not consider the characteristics of SSDs. In this paper, we examine the most recent write cache algorithm for the array of disks, and propose a synchronous independent write cache (SIW) algorithm. We also present a pre-parity-computation technique for the RAID of SSDs with parity computations, which calculates parities of blocks in advance before they are stored in the write cache. With this new technique, we propose a complete paradigm shift in the design of write cache. In our evaluation study, large write requests dominant workloads show up to about 50 and 20 percent improvements in average response times on RAID-0 and RAID-5 respectively as compared to the state-of-the-art write cache algorithm.
KW - flash memory
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DO - 10.1109/LCA.2014.2298394
JO - IEEE Computer Architecture Letters
JF - IEEE Computer Architecture Letters
10.1109/LCA.2014.2298394