It was only a week ago that the 10 year treasury closed the week at 2.41% and now they are trading at 2.52%–after spiking to the 2.55% earlier.
Some economic data in the U.S. has been fairly strong and China released numbers that show improvement from where they have been recently. Not that we fully believe the numbers released from the government, but they are what the markets look at so we have to go with the flow.
With this movement we could see some 'give back' in income issues, although thus far that has not been the case–but most certainly the euphoria has subsided.
Our best guess now is that if rates move up toward the 2.60% area we could see some "nervous nellies" start dumping some of their holdings of preferred stocks and baby bonds. If that does occur we will be waiting with money in hand to add to our positions as we have plenty of cash after locking down profits during the last couple of months.
ALLY-A now over 26.60, I need to consider options. Since I do not have any alternatives lined up, holding for now.
NGL Energy Partners LP (NGL) and its wholly owned subsidiary NGL Energy Finance Corp. today announced that they have priced a private offering of $450 million aggregate principal amount of 7.500% senior notes due 2026. NGL expects to use the net proceeds of this offering to repay indebtedness under its revolving credit facility, which NGL may reborrow from time to time in the future for general partnership purposes.
The notes are being initially sold to investors at a price of 100% of their principal amount. Interest on the notes will accrue at a rate of 7.500% per annum and will be payable semiannually on April 15 and October 15 of each year, beginning on October 15, 2019. The maturity date of the notes is April 15, 2026.
NGL expects this private offering to close on April 9, 2019, subject to the satisfaction of customary closing conditions.
The offer and sale of the notes have not been registered under the Securities Act of 1933, as amended (the "Securities Act"), or any state securities laws, and the notes may not be offered or sold in the United States of America absent registration or an applicable exemption from the registration requirements of the Securities Act and applicable state laws.
The notes have been offered and sold only to persons reasonably believed to be qualified institutional buyers in accordance with Rule 144A under the Securities Act, and outside the United States of America to investors other than U.S. persons, in reliance on Regulation S under the Securities Act. This announcement does not constitute an offer to sell, or a solicitation of an offer to buy, any security and shall not constitute an offer, solicitation or sale in any jurisdiction in which such offer, solicitation or sale would be unlawful.
What are your thoughts Nomad? Seems a bit expensive.
I currently own both Preferreds, will be keeping a close eye.
Hey Ken, I hope this post finds you doing well and thank you for your question. I have been long NGL.B since 8/17 at around $23.55 and have been reticent to sell it. I also just bought the NGL Preferred IPO NGLPP/NGL.C 3/29 @ $24.75 as greed got a gold of me and I just couldn't pass up 9.625%. I was hoping that the large bond refinancing they just completed was going to be staggered between 5-10+ years at various rebates, but 7.5% bullet for 7 years is "fair" I guess. NGL straight LP equity has done quite well as it's up 31.5+% the last 52 weeks, an incredible revenue producer at over $24+ billion, poor ROA/ROE and just too much debt…Comments are definitely welcome and encouraged.
Thanks for your input Nomad, appreciate it. In this environment, I'm definitely holding both for now. Debt burden is a little worrisome but I guess that is expected with rates at around 9.5%. Will watch for any cracks in the foundation going forward.
Ken, I've been doing some preening/profit taking this week; if I can't find any bargains to invest in then the baby bond and preferred market "must" be overvalued. I took nice profits on ALLY.A, ANH.A, AHT.G, CTBB, STAR.I, SRC.A and IVR.B. Of course the issue now is where to put all the proceeds. I bought more AGNCB, CLNY.E (gulp) and the IPO NGLPP/NGL.C. I even bought a position in common RDS.B as there is just too much cash laying around and I'm looking for a short term move to flip the mega integrated oil company. I am a very conservative investor and am doing another deep dive analysis into the baby bond area this weekend to see if I can come up with something that is attractive.
Grid, I use to know Phil Baker the CEO of Hecla through one of my friends who lives in Vegas. Baker was also affiliated with Questar a gas company that (D) Dominion bought a few years back. I just looked HL up and the equity have AVERAGED -7.5% the last 15 years and -34.7% the last year (ouch). I am a long term investor in physical metal and am going to a coin show tomorrow (I'm usually one of the youngest people at the show). The precious metal companies and the physical metal has been dead money for many years. I look at it as a hedge against a dollar collapse and the $22+ trillion of debt is scary stuff http://www.usdebtclock.org we have no way to pay this debt back except to inflate our US currency which should help precious metals greatly as they have no counter-party risk and have been used as stores of value for 1000's of years.
Nomad, I am kind of preferred "historian" and research the past of any old one before I buy….And the history of HL-B is certainly interesting mostly through the downs and downs of the company, lol.. The float of HL-B is just a fraction of what it was since issued in early 1990s. In the depths of credit crisis when bank preferreds were trading 80-90% below par and even the ute preferreds were down 40–50%. This rag preferred never broke 20% below par. It is definitely a ying and yang preferred. Except when Hecla almost went under in early 2000s, then it really tanked! The 2021 senior unsecured bonds actually trade higher yields(though near par) than the preferred which never makes any sense. But neither does this preferred as it basically has always been that way.
I texted my buddy in Vegas that was/is friends with Baker and he reminded me that I interviewed him as CEO of Hecla at least twice on my old investment radio show over a decade ago (I don't remember it, but then again I'm getting older). As you know, Hecla has a very long history of mining in the US. Over 125+ years ago the BIG companies were in mining, agri or railroads. If any of these companies had a very long term business plan they should be the biggest companies (and most profitable) on the planet.
Nomad, it just kind of shows how irrelevant these companies are in the scheme of the stock markets. Hecla is the largest producer of Silver in US and extracts over 10 million oz of Silver annually (also some gold and zinc, etc) and yet has only a small market cap of 1.5 billion.
Series B has only about 160,000 shares outstanding. It had a 2004 offer to exhange the $50 par issue for $66 in common stock and a lot of shares were converted at that time….The Series B has had its dividend suspended several times over its history and then later repaid. If it didnt have gold and silver attached to it, it would be at $35-$40. More in line with other rag issues like CBB-B.
Trivia: Years ago there was a gold pref that paid out in GOLD, I believe it was FCXprD. Actually it was a decimal of the spot price of gold paid quarterly. I wish I still had it, got called.
PS: I raised my pm insurance with some SIL recently to a 3% position. At least it's CHEAP.
Sadly, they were known for hedging gold and silver when the price of silver went to $50 and gold to over $1900 and they did not participate much because they were "hedged".
You could almost make a living trading Bollinger Bands on SIL!
Any thoughts on TCRZ Nomad? Has a bit of call risk but at current price it is not much.
Not sure if BDCs are your thing, but pretty solid baby bond from a pretty solid company.
and it says in the covenants that THL must have at least 100% asset coverage at all times for this very large (for them) $55MM note. I'd like to see what the actual asset coverage currently is and IF the BDC plans on taking on any additional debt or if they have a shelf registration or will be doing any sales to strengthen their balance sheet.
Profit margin -15.8% ROE -3.31% Net income -10.6% Quarterly revenue -14.90% an overall strained/poor balance sheet, 1.18% BETA, only $67 million in revenue, 72.96 total debt to equity.
Thanks Nomad, I appreciate your thoughts. BDCs are a tough business to wrap your head around. I can't really argue your points above but I do think THL is turning around the business and becoming lower risk. They also are doing more share-friendly things though the majority of BDC Management Teams make out like bandits. TCRZ seems very safe with a short maturity and I actually think it will probably be called sooner rather than later. Hoping it won't be for a little bit, as they would probably need to issue another one with similar terms as TCRW to call TCRZ.
I am not risk adverse and play around in the BDC space, I actually own PBC as well. Bought it much lower. That has a much longer maturity though and I trust THL over Prospect (both have major warts). But I feel both baby bonds are safe for now, a decent chunk of BDCs screw up a lot but total blow-ups are rare. Though I'm not sure if BDC funds now being allowed to employ leverage up to two times total debt to equity is a blessing or a curse.
Ken, thank you for your interesting reply. My point is always as long as an investor is doing there OWN deep due diligence before investing (especially in something with real risk) then they have their eyes wide open. There are just too many articles and posts that are written that skip over the risk, volatility, problems and only focus on the high income or try to manipulate the poor information to prove their point. The blow up on income investments in December was just the appetizer of issues that could blow up a portfolio.
Thanks Nomad, to you as well.
Alas, wanting to make money does not make it happen. To every thing there is a season, and a time to every purpose. The week before Christmas was the time to make money, and from there a diminishing extent. I am in the same boat as you in that I have periodically taken some profits, mostly derived from that time, and although holding a higher quality basket am now finding the market pricey. I did pick up some of those recent IG offerings and that composite is up 2.5% already, and also along the way I speculated with NSS, TOO-E, and some CHK preferred. I remain 100% invested but skeptical awaiting the next season.
Agreed – I've got bids out to sell 1/2 positions in a few of the PFDs that have bounced since December like was discussed earlier this week.
timdman–I have let go of most of my bouncers–just have 2 issues left-one is NEE-N which I was in–let go–and have re-entered.
I let go of half of EPR-G and half of CFG-D. Didn't want to let it all go cause there's nothing out there with which to replace them…but there will be. Trying to learn patience.
Yeah, I am really struggling to find replacements for the ones I sold 🙁 Everything is up so much, I probably need to be patient. It's hard sitting with too much cash…i wanna make it work for me.
In 2019 – I have put some of my cash into an Investment grade (only) ETF. It's is PSK from SPDR SER TR WELLS FARGO PFD STOCK ETF. It pays 5.6%.
Prefer to hold individual preferred issues, but when they get too high, I sell them and move some of the money here. Beats the 2.3% in money market funds.
I'll take a look. Thanks for the input.
@SteveA, I appreciate the ETF info. I am sitting (and normally do) with a large chunk of cash. At times, sleeping and comfort gives one the best returns on funds. Do you know if the PSK dividends are qualified?
Open to ideas: There are ETFs made up of prefs out there IF you want a concentrated portfolio of prefs and no cash for your reasons. Cash can be liquified easily when you have a buy need. You get huge diversity.
If this is an idea to research for you, check 'days trading at NAV" on their sites, exp ratios and port. makeup. I have had some other assets liquidate and have been moving slowly into prefs and BBs reaching only into IG.
Need for Strategy: Since I am receiving all taxable proceeds from asset sales I have had to rearrange IRA/HSA so that mostly QDIs are held in taxable accounts, BBs and non-QDI in IRAs.
I say all that because I needed TIME to let it average in. I used EPRF (low volume compared to PFF, but all IG), two term CEF (which I have liquidated down in Jan) and two term CDs (which I dated until 2019 for IRA contribs) to stage out my self directed choices into my "entire-view portfolio". It's been tough turning the ship around. I knew it would take time to build out, so I used the above 'cash holding vehicles' to liquidate and reallocate as circumstance arose. If I had to, I could have just waited out a storm like we had in Dec. It has worked well for me. Cash seems to be trash for a long time so we search and sometimes wait for opportunity.
I would suggest have a strong plan thought out as to where you want to go over a timeframe of say the next year. Everyone is different. I am only 61 and really do not want to touch much of the income generated, but want cash to compound into diversity over the next few years. I'll take SS as soon as I can to allow for more time to compound and de-risk my portfolio because of unknown market timing; there may be a crash event!
I am also liquidating other non-market assets to station in. I think this will help reduce Market Risk. Just a quick snapshot of a Plan I have worked out for my situation over a full year.
Joel, you are "only 61"? Didnt Mick Jagger say he would rather be dead than 30? Oh wait, he must have changed his mind a while back as he is over 75 now, lol…Im not too far behind you!
I am fully invested in preferreds and have been that way for 6 years plus and exploited a lot of preferred anomolies that appear to be drying up as attention to this area has made it harder to exploit. So going forward I am assuming more "yield based returns". I certainly appreciate your "reduced market risk" comment. But we know its just a reduction, as they can be nearly as volatile as equities, since they well, actually are in part or whole depending on the issue.
A cynic's comment one time always resonated with me and I dont discount it. Preferreds are the "worst of both worlds". They act like equities when they are cratering and act like bonds when yields are rising.
Like you, I just reinvest my income, and I doubt I really ever will need it, but its there if needed. Besides, like you I will draw my SS early at 62, in a bit over 7 years. I will be flush with cash then as my SS check will be about $115 a month before taxes…What will I do with all that SS money? I have no idea.
Heading off to your neck of the woods today to the Enterprise Center to see the season ending finale…LGB!
Gridbird, you were certainly on the ball recognizing the benefits of HY preferreds and BBs several years ago. it has taken me a number of years to arrive here. i do agree though that we still need to be watching the preferreds and baby bonds very closely. we saw that recently with AFHBL where the baby bond dropped >30%. while i don't keep more that 1% of my portfolio in any one preferred it still hurts to lose a couple of thousand so quickly, it certainly educated me as to the risks. I am usually very careful and i sell the first hint of impropriety or mismanagement. i just sold my position in RILYH because supposedly management forgot to make a phone call to terminate a contract which resulted in a law suit for 130 million. i figured that if they are that stupid i don't want them managing my money. Also Tim had mentioned that he thought that they were not very transparent and he could not clearly evaluate them.
@libero – do you have a link to details on that RILY lawsuit? I searched but couldn't find it.
@Nomadicmist – thanks for that link.
Goodness, that is some considerable egg on the face by whoever slept on that notification. Appears the court didn't rule on the $130M fee yet, but it doesn't look good for B Riley..
B. Riley secured necessary funding for their client but was not a party to the merger agreement. Hard to see how they're at fault for this deal going sour.
I am a bit flakey when it comes to HY, I had a fairly large position in two rily securities. i sold RILYL but i still hold RILYI. The article i read implied that RILY mgmt forgot to make call that may result in a large fee.. you may be right that RILY is not at fault. I am not exactly sure what the issue is but i chose to scale back a bit.
Bobby's Place in Valley Park is loaded with a bunch of Bobby Plager's memorabilia. I took the friend of mine who is a Bruin's fan in there for a beer and just let him figure it out once he started looking around. North of I-44 on Hwy 141. Good fun.
Just watched a win today at Enterprise, Joel. Yep I have tossed a few down at Plagers too.


Grow portfolio to help supplement retirement income and allow one-off expenses.
Michael Stevens is 62 and his wife 67. Both are retired and receive just over £3,000 a month in income from final-salary and state pensions and Michael's part-time work. The couple own their own home, have one financially independent son and no grandchildren. The couple would like to spend around £7,000 a year on holidays and anticipate minimal large expenses in the medium term.


This pick should be traded if Chubb is gone. If he is still available I would take him as the best defensive player in the draft. Combining him with Myles Garrett builds a dynamic one two punch on the end at arguably the most important position on the defense. Plus the Browns get a rare chance to add two top five players to the roster.
If the Browns hold 33 and 35 still, I would go best player available at their choice of RB, WR, OT, DT, or CB. I think the top three WRs, OTs, and DTs will be gone by this point and the drop off is big enough that I would probably turn to CB and RB. I mentioned Alexander in my other mock but Hughes can be another potential name still hanging around. He didn't perform well at the combine and if teams question his speed at corner he might go extremely early day two.
You could almost take a dart board and whoever it lands on would be a decent RB to take here. Once again I'm not the biggest fan of a three back committee but Johnson has not signed an extension and if Hyde gets hurt or this RB outperforms him the front office could always cut his rope after the season. I like Michel as one of the more pure runners in the draft but once again there are a lot of backs I wouldn't argue against here.


Find the right coverage that fits your needs!
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Home Blogs Lockdown diaries: the children's publisher
Lockdown diaries: the children's publisher
Published May 22, 2020 by Kate Wilson
One evening a week or so ago, I was speaking to a friend in another publishing company, sitting at the kitchen table, glass of wine...
One evening a week or so ago, I was speaking to a friend in another publishing company, sitting at the kitchen table, glass of wine in hand, in today's sad Zoom substitute for meeting up for a post-work drink. She referred obliquely to the famous WW1 recruitment poster, the one with the little girl on her shamed father's knee, saying, "Daddy, what did you do in the Great War?". My friend said, "Afterwards, we'll all talk about 'what we did in the war'."
Of course, to equate the current health, social and economic crisis to WW1 is banal and overused at best, and distasteful and trivialising of conflict at worst: we're in a socially-distanced queue for Sainsbury's, not at the Somme. But, still, this made me think about how publishers and, in particular, publishing leaders, will account for what we did "in the war". Because I think it is the case that our staff, our authors, illustrators and their agents and our customers in the UK and elsewhere will – and should – judge us by what we did during the pandemic.
The conversation with my friend prompted me to reflect on what we've done so far at Nosy Crow.
To start with, we've worked out how to keep a business going. It's a business that normally happens in a single big room and now happens in tens of different places – the homes of our staff. Most of us began working from home on 17 March, and no-one's really been in the office, other than to pick stuff up to post or courier it, since Adrian, the CFO, cleaned out the big fridge on Friday 20 March. I am so proud of how everyone has adapted. Some of us went "home" to our parents, and are working from the bedrooms we last occupied as a child, our fluffy pink dressing gowns on the back of the door. We're managing iffy wifi and working on equipment that is not necessarily as speedy or up-to-date as the equipment we have at work if we didn't, as most did, tuck our Macs under our arm and take them home. Some of us are juggling our work with child-care or other caring responsibilities, while some of us are entirely alone through lockdown. Many of us are undertaking tasks that would have been outside our job role before this (though I still can't work the franking machine on my odd forays into the office, so it seems that there are some new tricks that I am too old a dog to pick up). And, of course, like everyone else, many of us are working while we worry about people we love who are, for whatever reason, at risk.
But everyone who normally works in our London Bridge office is working. I know that other publishers have chosen to furlough staff. At Nosy Crow, we haven't. This isn't because we are hugely rich – we aren't, and we have applied for one of the government-backed loan via the CBILS to help get us over the cash crunch that we can see ahead – but because that seems like the best thing to do to keep the show on the road both right now and for the future.
So what have we done?
Here are some of the new things we've done because of the coronavirus:
We've made elements of our books available online and free through our own website, but also by working with the BBC, Waterstones, schools and libraries, bloggers and vloggers, and theatre companies. We want to entertain and educate families in lock-down and, we hope, to build new audiences for our authors and illustrators. We've had to draft and negotiate new documentation to reflect this gratis use.
We published fast, and published free, Coronavirus: A Book for Children, our digital information book, illustrated by Axel Scheffler. It's been downloaded more than a million times from our own website alone, and has been translated and made available free in over 60 other languages.
We've undertaken a comprehensive overhaul of our metadata, both in preparation for our new website, and in acknowledgement of the increased proportion of our sales that are coming from online retailers.
We've rescheduled our books intelligently and carefully (and, in some cases, more than once as situations change), pushing many of them into 2021 and beyond to give each book its best chance. We've done this rather than ramming them into the last few months of the year, which seems to be a more common approach, and which we fear may leave the end of this year overcrowded.
We're creating, on hugely ambitious schedules, a handful of books specifically for important overseas customers who order large quantities.
We're focusing on the markets and customers and consumers that are open and keen to engage with us, switching to digital forms of marketing and selling: we're launching a second Instagram channel next month, for example, and we've run 70 virtual "Bologna" meetings with rights customers so far.
These are just some of the new things we are having to do BECAUSE of coronavirus. There's been a whole bunch of other stuff that we have had to do IN SPITE OF coronavirus, including (successfully) dealing with a ransomware attack, paying a record amount in royalties in March, and, of course and crucially, working on existing titles and acquiring new titles for the future, and collaborating with our authors and illustrators.
Our business performance to the end of April – the beginning of lockdown – was our strongest ever. Our sales are currently 15% up year on year.
But, of course, we're just two months into this. Notoriously, if apocryphally, Europe launched into WW1 in July 1914 saying that it would "all be over by Christmas". The war lasted four years, three months and two weeks. So far, I am proud to tell anyone what Nosy Crow has done "in the war": I think we have been generous and supportive and careful and savvy and kind. And I hope that, starting from a point of real strength, we can emerge on the other side, whenever that is, resilient and enthusiastic and having learned about ourselves and our business, to tell the full story.
Lockdown diaries: the indie publisher
Lockdown diaries: the trade publisher
Lockdown diaries: the publishing entrepreneur
Lockdown diaries: the audiobook distributor
Lockdown diaries: the indie bookseller

redpajama_set_name: RedPajamaCommonCrawl


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Q: Prove that $\displaystyle \sum_{1\leq kProve that
$$\sum_{1\leq k < j\leq n}\tan^2\left(\frac{k\pi}{2n+1}\right)\tan^2\left(\frac{j\pi}{2n+1}\right)=\binom{2n+1}{4}$$

A: It is enough to recall Cauchy's proof of the Basel problem, relying on the identity:
$$ \binom{2n+1}{1}t^n-\binom{2n+1}{3}t^{n-1}+\ldots+(-1)^n\binom{2n+1}{2n+1}=\prod_{k=1}^{n}\left(t-\cot^2\frac{k\pi}{2n+1}\right)\tag{1} $$
If we consider the "reciprocal polynomial"
$$ \binom{2n+1}{2n+1}t^n-\binom{2n+1}{2n-1}t^{n-1}+\ldots+(-1)^n\binom{2n+1}{1}=\prod_{k=1}^{n}\left(t-\tan^2\frac{k\pi}{2n+1}\right)\tag{2} $$
the original sum is just the second elementary symmetric polynomial of the roots, $e_2$, that by Vieta's theorem is given by the coefficient of $t^{n-2}$ in the LHS of $(2)$, so:
$$ \sum_{1\leq j<k\leq n}\tan^2\left(\frac{j\pi}{2n+1}\right)\tan^2\left(\frac{k\pi}{2n+1}\right)=\binom{2n+1}{2n-3}=\color{red}{\binom{2n+1}{4}}\tag{3}$$
as wanted.

redpajama_set_name: RedPajamaStackExchange


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Pure AV named AV partner for Ulster University campus development
Pure AV is delighted to secure the £2M audio visual project for Ulster University's Greater Belfast campus development. The landmark project will bring 75,000m2 of transformative learning space to the city centre, giving 15,000 staff and students access to new work, learning, research, and innovation facilities.
This 2nd phase of the development features two expansive multi-level buildings situated opposite the existing campus. Modern and accessible, the facilities include 230 new flexible spaces ranging from four to six-person meeting rooms, various teaching and social areas to large 250 and 350-seat lecture theatres.
The University's Learning and Teaching strategy embraces the shift from didactic to more flexible, social and collaborative learning. The audio visual systems are designed with endpoint technology to support blended learning and plenty of desk space for creative and collaborative working. Full integration with Extron GVE and consistent user interface design will ensure ease of use and enable coordinated management of the installed system.
Construction has continued throughout the pandemic, and despite the ongoing challenges of COVID-19 and Brexit, Pure AV expects to commence on-site works in early March.
Commenting on the appointment, Pure AV managing director, Peter Sutton, said,
This is an exciting, large-scale project that promises to bring some fantastic facilities to Ulster University and the local community. We are delighted to work alongside the institution and its partners on its delivery. We are no strangers to large-scale campus deployments, and having worked on the MECD campus at the University of Manchester over the past year, we bring with us additional insight into the management of successful operations during a pandemic".
The project is due to complete this summer, with the building currently on schedule for opening to students for the Autumn term.
You can see progress on the construction of the building, including time-lapse video, at the University's dedicated website. https://www.ulster.ac.uk/campuses/gbd/about


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SHARE BUSINESS IN SOCIETY
Business in Society Blog
To Tycoons: "Save Publications But Don't Meddle With The News"
Posted on Sep-29-2018 by Michael Paluszek
When billionaires buy media companies, well, it's complicated.
First, Woody Allen's observation:
"The lion may lie down with the lamb, but one of them is going to have a sleepless night"
Aaron Ross Sorkin, columnist at The New York Times, explains in more detail in, 'Amazon Washington Post'? Ready 'Salesforce Time'? :
"Trump often derides Amazon in part because Jeff Bezos, its founder and chief executive, owns the paper … despite Mr. Bezos insistence that he has no hand in the newspaper reporting …
"In the age of Trump, the extracurricular activities of public company executives … have created new corporate governance questions … Boards of directors must wonder whether such purchases are good for business and shareholders might have their own concerns."
The issues surfaced again recently with the purchase of TIME magazine by Marc Benioff, co- founder and C.E.O. of Salesforce, and his wife, Lynn. The Benioffs have emphasized that the purchase was with their personal resources and that they would not be involved in editorial management.
They join Mr. Bezos and other very successful business "tycoons" in helping to save struggling legacy media while pledging to honor the independence of the reporters and editors on staff. Among them: Ms. Laurene Powell Jobs, The Atlantic; Michael Bloomberg, Business Week; and, most recently, Patrick Soon-Shiong, The Los Angeles Times.
But by no means are all such investments successful. Iconic publications such as The New Republic and The Village Voice have been interred after being purchased by super wealthy individuals who became disenchanted by the publications' financial performance.
Then there is the outlier, flip-side case of Sheldon Adelson.
More Journalists Leaving 'Las Vegas Review-Journal' after Sale to Billionaire . "A flood of reporters and editors left the newspaper after it was bought by the Adelson family citing curtailed editorial freedom, murky business practices and unethical managers."
And …
Sheldon Adelson: the casino mogul driving Trump's Middle East Policy https://bit.ly/2xFqOwb. "The Las Vegas billionaire gave Republicans $82m for the 2016 elections and his views, notably staunch support for Netanyahu's Israel, are now the official US line."
Told you it's complicated.
So, in his New York Times commentary,
Billionaires Can Seem Like Saviors to Media Companies but They Come With Risks"
https://nyti.ms/2DadHJK
David Gelles tries to draw a fair balance by presenting the experience of Walter Isaacson, former editor of Time:
"… I went through the disaster of Time Warner, a company that only cared about short-term stock price and didn't have a feel for journalism…
"[Now], I have come to the belief that a sole proprietor, especially a benevolent and public spirited one, is a good thing in troubled times."
Finally, David Ross Sorkin offers this sobering societal bottom line on such C.E.O. investments: "For now, let's hope it doesn't become a genuine problem given the number of journalistic institutions that may need a benefactor".
© 2020 Business in Society LLC.


Brisbane Bullion presents the 1/10th oz Kangaroo Gold Coin (2017) by the Perth Mint Australia.
Fractional sized, affordable and high quality coin issued by the Perth Mint Australia. This gold bullion investment coin is popular among both local and international gold investors. As Australian legal tender its weight and purity are guaranteed by the Commonwealth Government of Australia.
Also known as an Australian Nugget, these coins were named from their original design, which featured the Welcome Stranger Nugget, the largest gold nugget found in Australia. The coin was first release in 1986 by the Gold Corporation, owned by the government of Western Australia. Because the image of the gold nugget was not widely recognizable, the coin was changed in 1989 to feature an image of the kangaroo. The coin is now commonly referred to as the Kangaroo Nugget. The obverse of the coin features the iconic Australian kangaroo. The reverse side features Queen Elizabeth II, a tradition of Australian gold bullion coins.
Affordable, divisible and great for resale, buy this 1/10th oz Kangaroo Gold Coin today from your local gold and silver bullion dealer – Brisbane Bullion!


text:
Andy Horowitz is an Assistant Professor of History at Tulane University, where he affiliated with the programs in Environmental Studies and City, Culture, and Community. He received his Ph.D. from Yale University in 2014.
Andy specializes in modern American political, cultural, and environmental history. His research focuses on disasters and the questions they give rise to about race, class, community, trauma, inequality, the welfare state, extractive industry, metropolitan development, and environmental change. Over the past decade and a half, his work on two places in particular - New Orleans, "the Land of Dreams," and New Haven, "the Model City" - has explored how people respond when faced, by choice or by circumstance, with the loss of their homes and the need to re-imagine their communities.
Andy's first book, Katrina: A History, 1915-2015, will be published by Harvard University Press in June 2020. He currently is co-editing Critical Disaster Studies: New Perspectives on Disaster, Vulnerability, Resilience, and Risk, an interdisciplinary collection of new work, as well as serving as guest editor for a 2021 special issue of Southern Cultures, focused on the environment. He has published scholarly articles in the Journal of Southern History, Southern Cultures, and Historical Reflections, as well as essays in the The Atlantic, the Washington Post, and the New York Times.
Andy's dissertation on the causes and consequences of disaster in metropolitan New Orleans won the Southern Historical Association's C. Vann Woodward Prize for best dissertation in Southern history and Yale's George Washington Egleston Prize for best dissertation in American history.
Andy's teaching covers five centuries of American history: north, south, east, and west, from city to wilderness. As a graduate student, he was awarded Yale's Prize Teaching Fellowship twice. In 2015-2016, he was a William L. Duren '26 Professor at Tulane.
Before he began work on his Ph.D. in 2008, Andy was the founding director of the New Haven Oral History Project, directed the Imagining New Orleans documentary project after Katrina, and was a research associate at American Routes, the national public radio program. He received a B.A. from Yale in 2003.
Contact Andy at ahorowitz (at) tulane.edu.
View Andy's Tulane page.
Follow Andy on Twitter.
Katrina: A History, 1915-2015


Sports, and the National Football League (NFL) in particular, are not the typical topic of conversation for those of us working in the sexual and domestic violence fields. Since this past spring, when news first broke of former Baltimore Ravens' player Ray Rice severely assaulting his soon-to-be wife Janay in an elevator, we have been talking about the NFL almost non-stop. While we know that sexual and domestic violence are not specific to the NFL or its players, the events of recent months offer profound teachable moments for those who work in the field and for each and every one of us.
Lesson #1: We all have a role to play in ending sexual and domestic violence. For too long victims have been silenced and these issues dismissed as someone else's problem. Sexual and domestic violence affects us all – if not as victims, then as friends, family, bystanders and communities. We can turn this around by committing to learn more about these issues, become familiar with available resources and promoting and modeling healthy relationships and behaviors. We don't have to be the head of a $9 billion organization like the NFL to have an impact. In our roles as parents, friends, co-workers, caregivers and community leaders, we can help educate others about the dynamics of sexual and domestic violence, adopt policies that support survivors and hold offenders accountable, and interrupt the underlying causes of oppression and inequality that foster abuse. Inspire others by sharing examples on Twitter and Facebook of how you make a difference, and use the hashtag #HowIHelped.
Lesson #2: Sexual assault and domestic violence are abuses of power and never the victim's fault. If you haven't already done so, check out the #WhyIStayed and #WhyILeft hashtags on Twitter. These powerful personal testimonials demonstrate that violence is manifested in many ways – from physical to sexual, psychological, emotional and financial abuse – and improve our understanding of what helps victims to survive. By listening to and believing survivors, we help remove the barriers that further isolate and endanger them and show that we support them in the journey towards healing and justice.
Lesson #3: Clear expectations that sexual and domestic violence will not be tolerated must be consistently enforced – by systems and in communities, in both the public and private sectors. After Jared Remy murdered his girlfriend Jennifer Martel in 2013, the Massachusetts Legislature took a comprehensive approach to reform our public safety and public health responses to support victims, hold offenders accountable and prevent future violence. Similarly, the mishandling of these issues by the NFL is a wake-up call to all organizations, regardless of size or sector, for the need to develop policies that articulate the response, including ramifications for employment and compensation for abusers as well as support for victims; and address the need for training and education.
The recent law, Chapter 260 of the Acts of 2014, requires workplaces of 50 or more employees to provide up to 15 (paid or unpaid) days of employment leave for victims to attend to matters related to sexual abuse, domestic violence and stalking. Support for survivors is a critical component that should be accompanied by appropriate and well-thought-out consequences/responses to abusers that will actually help families be safer.
Lesson #4: Prevention is critical. As with so many public health and social justice issues, we need to look upstream to create awareness and shift attitudes that encourage healthy and safe communities. Many of Jane Doe Inc.'s member sexual and domestic violence programs are leading the way with creative initiatives that promote respect, equality, safe, thriving communities and healthy relationships for all individuals regardless of race, ethnicity, gender identity or sexual orientation, class, or ability,. Jane Doe Inc.'s annual Massachusetts White Ribbon Day Campaign calls upon men to be part of the solution by making their own pledge of non-violence and by role-modeling this behavior for other men and boys. In collaboration with The Network/La Red, our new #IWantAWorld Campaign seeks to raise awareness of sexual and domestic violence in the LGBQ/T communities and expand access to services while at the same time envisioning a world where such violence doesn't exist.
Lesson #5: The biggest lesson of all is one that the movements to end sexual and domestic violence have known since its emergence decades ago: By breaking the silence on these issues, we make it possible for victims to come forward without shame or stigma and invite everyone to be part of the solution.
Throughout October, in recognition of Domestic Violence Awareness Month, JDI and our member programs will hold events and conversations throughout the state to bring more attention to these issues and engage the public. DVAM offers an important time for us to all pause and consider how we can better respond to and prevent violence.
Toni K. Troop is the director of communications for Jane Doe Inc.
This article was originally published in the October 2014 issue of The Provider.


Like many designers, I'm a big movie enthusiast so I really enjoyed these projects. However, they could be challenging. I would often have less than four photos to work with, as in the case of The Blood of a Poet. I'm a painter by training, so The Horse's Mouth is a favorite, and I made a one-time special "decoupage" for this jacket. I was thinking about Lester Beall's work when designing Vivre sa Vie, and I actually started to think: "What if Lester Beall was given an Elvis Costello CD to design?" This was my approach, but I know he would have done a better design.


How many times have you seen something you actually wanted but was lacking the money for You believe it is okay you'll pay for it with your credit card then take care of paying it off through your monthly obligations to that credit card business. Many people have done this kind of without a problem and been happy to spend a little interest to create the purchase they want to. Sadly many others do this too often and get to a point where they cannot pay off their growing credit card debts. When this occurs they must find one method or another to satisfy their obligations without finding themselves in a position of having in order to wind up bankrupt. They will have to organize a method of debt negotiation to pay back the money they owe.
The creditor, the individual or company that the money is due to, will usually be ready to make some type of arrangement to take the pressure off and allow for the payment of the debt. The easiest method to explain this process is to say that it is the arrangement to allow for the reorganization and repayment of the outstanding debt. Credit card companies will do this, and will actually bring the debt straight down somewhat, to ensure that the actual debtor does not go bankrupt, and so is able to pay back a substantial portion of what they owe even if it will take a longer period. These arrangements can be created directly between the debtor and creditor or perhaps through a debt management company.
One reason that a lot of people go to debt management businesses to reorganize the money they owe is that they tend to be really emotional about their situation and so do not always work out the best deal for themselves. The firms who do that for a job know how far they can go, where the credit card organizations will bend and how to make the payment regarding debts easier on their clients. Although they carry out charge a fee for their providers the savings they can pass onto customers who are trying to get an excellent debt settlement with their collectors will benefit them adequately to make this cost well worth it.
Does anybody have personal expertise having a debt consolidation company and maybe it was effective?
I've some serious debt issues and want some assistance. I spoken to some debt consolidation company, however i aren't able to find any sort of details about them. Does anybody learn about American Financial Services or Axiom Financial Solutions? And does debt consolidation really ruin your credit as badly as some maybe have you believe? It appears in my experience for those who have personal debt you cannot pay that will damage your credit just like badly. Help! I want info from someone who is aware of this stuff.
I see advertisements constantly about debt consolidation but could it be only a scam? Has anybody ever used this kind of program and when so, what were your results? Thanks!
anybody available ever begin a debt consolidation company and investigated the legal take into account the condition of NJ? I want legal counsel from a specialist.
After consideration and with the aid of some pprofessionals in regards to what to complete within our finances we've made the decision to deal with our debt discussions ourselves rather than using one of these simple a credit repair service available. I typed up an offer letter to request setteling on our debt as much as 40-50% and am asking for a repayment plan. My real question is will i send the letter licensed mail towards the normal payment address on our claims or must i request for any seperate address where this kind of factor is handled?
In the past, I had been under-employed and drowning in charge card debt. I selected to visit your debt settlement route. I had been never confident with the procedure. Lately, I've enter into an amount of cash which could eliminate that full quantity of debt without any pay outs. Since my credit rating is rather low already, should I exploit the connection using the debt consolidation company and pay less? Or will it be better for me personally, and my credit, to repay the entire amount?
I'm searching for a debt consolidation back finish that helped me to enter into your debt settlement business, so suggestions could be appreciated.
Has anybody used them or any other services, and do you experience feeling that it is positive thing to stay debt?
I have to pay attention to a minimum of twenty to thirty advertisements everyday around the radio about "secrets the charge card companies do not want you to definitely know". I haven't got any debt, but could someone please fill me in?
What's the estimate cost each hour?


Some women, like Corrie ten Boom, suffer horrific fates, carried only by their faith in God, so that people, years later, can continue to be inspired by them.
Did you ever stop to think that perhaps God opens doors for us not only in spite of our limitations or trials but also precisely because of them? Harriet Tubman was the perfect example of this.
We know that He lives. He loves us! And He stands ready to help always.
There are certainly times for healing. But it seems like more often in this life—whether for our education, the education of others, or just because this is mortality—we have to work through hard things. Certainly the Savior came to earth, and eventually died, to heal us. But didn't He also come to teach us how to show compassion and care for others in their suffering as well?
Without a shadow of a doubt, I can tell you—I am now, and will forever be, grateful I was diagnosed with cancer. I used to pray that God would take this from me. Now I pray that he will allow me another day to fight.
It was the summer of 2010 when I was awoken at 3 am by a loud crash and the sound of my little sister screaming. I ran downstairs and saw three feet of muddy, murky water in my family room with more rushing in by the second. I calmed my sister down and we quickly saved what we could. Her journal, scriptures, and a few pictures. Everything else was ruined.
I think there are so many things that Jesus Christ laid out in the scriptures that apply to parenting. Things like forgiveness, patience, and focusing on bettering ourselves as a whole rather that pointing our fingers.
Creation shows me the character of the Creator, the generous, consoling, light-filled personality of God. It gives me solace. It has taught me that nothing ever really dies—and if it does die, it will become a new and beautiful gift. The wilderness has given me my trusted metaphors for living, loving.
All that we do here at the Small Seed is because of Him. We hope our words will bring you comfort, hope, and strengthen your own testimony that He lives. He loves you! And He stands ready to help always.
My dad is exactly right. We can't have joy without pain. My dad is continuing to teach me, even when he isn't here. I am so happy that I can have the knowledge of the plan of salvation, that I know I can live with my dad again, and with my family forever.
I know people say that God doesn't give us more than we can handle, but my life is a living example that this isn't so. I am not in any way strong enough to handle the challenges in my life. Thankfully, we don't do it alone.
Despite what science and modern medicine may claim in your life, He can make anything possible. Everyday I am reminded of this and my faith in God is strengthened. I and my family are living proof of God's miracles.
I think it was this point in my life when I really felt like I just couldn't do it; it was too much and I wasn't enough. Fortunately for me, I had my faith and my testimony of the Atonement to help me.


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    res.send("Welcome to Express JS");
});

app.get("/api/reload", function(req, res){
    res.redirect("/");
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app.listen(process.env.PORT);

console.log("strted server at: " + process.env.PORT);

redpajama_set_name: RedPajamaGithub


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Q: Swift: EXC_BAD_INSTRUCTION called when calling function So I'm trying to get a standard deviation function to work, however I'm running into an error.  Here's my code:
func standardDeviation(dataSet: [Double]) -> Double {
let mean = dataSet.reduce(0, +) / Double(dataSet.count)
var distances = [Double]()
for number in dataSet {
    let distanceFromMean = (dataSet[Int(number)] - mean)
    distances.append(distanceFromMean * distanceFromMean)
}

return distances.reduce(0, +) / Double(dataSet.count)
}

It outputs the following error:

Fatal Error: Index out of range

So, I had a feeling that it was something to do when I call the dataSet array, so when I looked into that, I found this as an error

error: Execution was interrupted, reason: EXC_BAD_INSTRUCTION (code=EXC_I386_INVOP, subcode=0x0).
  The process has been left at the point where it was interrupted, use "thread return -x" to return to the state before expression evaluation.

A: number (a Double!) cannot be an index to subscribe dataSet, so I'm quite sure you mean
let distanceFromMean = number - mean

as in the Fast Enumeration pattern the index variable number is actually equal to array[index]


The Tiger Whiptail is a wide-ranging species found throughout western North America, from southeastern Oregon and southern Idaho to central Texas and Mexico. Within the Atlas region, this species occurs throughout Orange, Riverside, Imperial, and San Diego counties, southward to the Isthmus of La Paz, Baja California Sur. It is also found on numerous islands in the Pacific Ocean and Gulf of California.


March 12, 2019 The tournament winds down!
We offer coaching and competitive opportunities for all 11 individual events overseen by the American Forensics Association. We also offer American Mock Trial Association coaching and competition. On the links to the left, you can meet our debate coach, learn about the history of speech and debate at CC, and get information about upcoming debate events on campus.


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OMV Petrom calls for Romanian fiscal stability
New deepwater gas play needs greater clarity on terms
Romania Chevron
Helen Robertson
Chevron up first for Romania shale drilling
Government granted 20 exploration licences in July last year
Chevron will drill a number of shale-gas wells in Romania next year – the first in the country. A spokesman for the supermajor declined to comment, saying the firm was "still in the very early stages in Romania".
However, local media quoted Chevron's country manager, Thomas Holst, confirming drilling plans for 2012 at a seminar held last week.
In July last year Romania granted 20 exploration licences to a host of international companies, including Chevron, which secured three shale-exploration blocks – Costinesti, Vama Veche and Adamclisi – covering 675,000 acres in the Romanian portion of the Carpathian-Balkanian basin.
The round was the country's first since the International Court of Justice demarcated the maritime border between Romania and Ukraine, resolving a dispute over drilling rights in the Black Sea.
Romania's shale-gas reserves are unknown, but a study by the US Energy Information Administration earlier this year said there could be 19 trillion cubic feet (cf) of recoverable resources across basins in Romania, Hungary and Bulgaria. Romania's "potentially prospective" basins include the Pannonian-Transylvanian, which stretches across Hungary and northern Romania, and the Carpathian-Balkanian, which covers southern Romania and Bulgaria. The study did not assess the potential resources in either of these basins.
Over the past two years, Chevron has acquired over 4 million acres in Romania, Poland and Bulgaria as part of a move to explore and develop Europe's shale-gas potential.
Romania has 21 trillion cf of proved conventional gas reserves, but despite producing 370 billion cf last year, according to Cedigaz, it is still reliant on Russian imports to meet its 446 billion cf/y of demand.


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Peter Schmüser (* 2. Januar 1939) ist ein deutscher Physiker.

Leben
Schmüser studierte in Hamburg, wo er 1967 promoviert wurde. 1973 wurde er wissenschaftlicher Rat und Professor an der Universität Hamburg und 1979 Professor für Experimentalphysik. 2003 wurde er emeritiert. Außerdem war er am DESY. Dort befasste er sich neben eigentlicher Elementarteilchenphysik und Beschleunigerphysik unter anderem mit Synchrotronstrahlung und Freie-Elektronen-Lasern (realisiert beim DESY in Flash).

Schriften (Auswahl)
 Photoeinfachproduktion positiv geladener Pi-Mesonen zwischen 1.2 und 3 GeV im Laborwinkelbereich von 8°-20°, Dissertation an der Universität Hamburg
 mit Rolf-Dieter Heuer: Elementarteilchen. In: Bergmann-Schaefer Lehrbuch der Experimentalphysik, Band 4, De Gruyter, 2003
 Feynman-Graphen und Eichtheorien für Experimentalphysiker. In der Reihe Lecture Notes in Physics 295, Springer, 1988, 2. Auflage 1995
 mit Martin Dohlus, Jörg Roßbach: Ultraviolet and soft X-ray free electron lasers. Springer 2008, 2. Auflage 2014 (mit zusätzlich Christopher Behrens als: Free-Electron Lasers in the Ultraviolet and X-Ray Regime)
 Theoretische Physik für Studierendes des Lehramts. 2 Bände, Springer Spektrum 2012, 2013 (Band 1: Quantenmechanik, Band 2: Elektrodynamik und spezielle Relativitätstheorie)

Weblinks
Professorenkatalog Universität Hamburg

Deutscher
Physiker (20. Jahrhundert)
Hochschullehrer (Universität Hamburg)
Person (DESY)
Geboren 1939
Mann

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Home Politics FLASHBACK: Manchester United stunned by Sevilla in 2018 showing they were well...
FLASHBACK: Manchester United stunned by Sevilla in 2018 showing they were well behind Europe's elite
Virgil Harper
As Manchester United gear up for their Europa League semi-final against Sevilla, the ghost of the 2018 Champions League meeting between the pair is still lingering.
United, with Jose Mourinho in the hotseat, headed into the last-16 tie as overwhelming favourites and already had sights on the later rounds of the competition as they looked to re-establish themselves into Europe's elite in the Portuguese manager's 'specialist' tournament.
They were put back in their place in humiliating style though as, after a goalless first leg, United were stunned by substitute Wissam Ben Yedder's double at Old Trafford in a desperately disappointing night at Old Trafford.
While Ever Banega and Sergio Escudero are the only survivors from that team compared to Julen Lopetegui's current side, there is no doubt that Sevilla still have the weaponry necessary to cause damage to United once again.
Sportsmail takes a look back at that encounter two years ago, what similarities and differences it has with this year's clash and how they can overcome the ghost of 2018 to climb themselves back up among Europe's elite.
Manchester United were stunned by Sevilla at Old Trafford in the 2018 Champions League
Wissam Ben Yedder scored twice late on to inflict misery on the Red Devils in a 2-1 defeat
It was a game that showed Jose Mourinho's Manchester United were well behind Europe's elite
UNITED'S BIG STARS FAIL TO DELIVER AGAIN
TEAM LINEUPS AND MATCH FACTS THAT NIGHT
Man United: De Gea, Valencia (Mata 77), Bailly, Smalling, Young, Matic, Rashford, Fellaini (Pogba 60′), Lingard (Martial 77′), Sanchez, Lukaku
Scored: Lukaku (84′)
Booked: Rashford
Sevilla: Rico, Mercado, Kjaer, Lenglet, Escuerdo, Banega, N'Zonzi, Sarabia, Vazquez (Pizarro 87′), Correa (Geis 89′), Muriel (Ben Yedder 72′)
Scored: Ben Yedder (74′, 78′)
Booked: Banega, Correa, Sarabia, Ben Yedder
While it was only two years ago, it was a time when United would rely on big, well-established stars on high wages to get the job done for them, a school of thought much different to the youthful side Ole Gunnar Solskjaer is now putting together.
United had secured the marquee signing of Alexis Sanchez the January that had just passed, but he was one of several stars that failed to turn up on the night.
See also Italy, state or nation?
It was a worrying trend that was forming in the post-Sir Alex Ferguson era firstly under Louis Van Gaal and then Mourinho where highly-rated players would seemingly struggle to deal with the pressure of playing for the English football giants.
Paul Pogba started on the bench behind Marouane Fellaini as his seeming troubles with Mourinho continued. The Frenchman was introduced on the hour-mark as United looked to him as a saviour, but his laboured pass straight out of play in added time seemed to sum the whole night up, and possibly his United career up to that point.
United's goalscorer that night was Romelu Lukaku but he has moved on, Solksjaer has a much different (and happier) Pogba and Anthony Martial in his ranks compared to that night and will be hoping they can be more assertive than they were in March 2018.
Forward Alexis Sanchez had arrived at Old Trafford the January before but failed to deliver
Paul Pogba started on the bench and failed to inspire his side when he was introduced
BEN YEDDER MAKES HIMSELF THE HERO
Sevilla's hero on the night Ben Yedder started on the bench but he scored just 87 seconds after being introduced, adding his second four minutes later to send United packing.
They were his seventh and eighth goals of a fruitful Champions League campaign for the Frenchman where he also added nine in LaLiga.
In a game where no player on either side was grabbing the tie by the scruff of the neck in the final third over either of the legs, his well-taken opener all of a sudden left United with a mountain to climb, needing two goals.
Substitute Ben Yedder was the hero on the night for Sevilla with a quickfire double
The forward got himself between defenders Eric Bailly and Chris Smalling, latched onto Pablo Sarabia's through pass and confidently slotted past David de Gea, while he was left in acres of space to head home his second to kill the Red Devils off.
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There are certainly similarities between their main man that night and the one against Wolves, Lucas Ocampos, who is in good form and is developing a similar knack of scoring important goals for the team from the south of Spain.
THE START OF DE GEA'S DECLINE?
De Gea's issues this season have been well documented but was seen as one of the most reliable shot-stoppers in the world at this time and would go on to earn his third United Player of the Year award that summer.
It was a strong season by the Spanish No 1 but he will have been disappointed by his attempts to stop Ben Yedder's second and it was an uncharacteristic blunder at the time.
Banega whipped a trademark corner to meet Angel Correa and then Ben Yedder — both with free headers — but the latter's stooped effort was in range for De Gea to tip it over the bar.
Dvid de Gea had a moment to forget for Sevilla's second which put United out of the tie
The goalkeeper got a strong hand to it but failed to make proper contact and the ball trickled over the line before his second attempt to push it away, after the confirmation of goal-line technology.
It will likely be Sergio Romero who is in between the sticks this time round as he stakes his claim to take De Gea's spot next season, who after this moment would go on to make a high-profile mistake for Spain at the World Cup before a difficult few years for United.
It is perhaps harsh to say it was the start of his decline. He had made a memorable reflex safe to keep it 0-0 in the first leg, but the unconvincing way he flapped at the ball was something we hadn't seen since he first joined the club.
Spanish goalkeeper got a hand to Ben Yedder's header but his weak parry went over the line
SEVILLA THE SCOURGE OF AN ENGLISH SIDE AGAIN
SEVILLA VS ENGLISH TEAMS IN KNOCKOUT TIES
2005-06 UEFA Cup / Europa League: Middlesbrough 0-4 Sevilla (FINAL)
2006-07 UEFA Cup / Europa League: Tottenham 3-4 (agg) Sevilla (QUARTER-FINAL)
See also Nelson Mandela who changed history from prison cell
2015-16 UEFA Cup / Europa League: Liverpool 1-3 Sevilla (FINAL)
2016-17 Champions League: Leicester City 3-2 (agg) Sevilla (ROUND OF 16)
2017-18 Champions League: Manchester United 1-2 (agg) Sevilla (ROUND OF 16)
2019-20 UEFA Cup / Europa League: Wolves 0-1 Sevilla (QUARTER-FINAL)
Sevilla are the Europa League's record winners (5) but have also emerged as a true bogey side for English clubs in European knock-out rounds.
In a record that started when they beat Middlesbrough in the then UEFA Cup Final in 2005-06, Sevilla have knocked an English side out of Europe in five out of six match-ups, with the most recent being Tuesday's defeat of Wolves.
Before their upset at Old Trafford, they had broken the hearts of Liverpool by beating them 3-1 in the final of Europe's secondary competition, and Leicester City's 3-2 aggregate win over them in the 2017 Champions League is the only blot on that record.
Out of all those victories there is no doubt that 2018 was the least expected, with United seemingly too strong for a side who finished a modest seventh in LaLiga that campaign.
Manager at the time Vincenzo Montella was the second of three different men in charge that season, as the club continued to have difficulty finding their style in the post-Unai Emery era. Their continued success in European competitions often masked this.
Sevilla are a much stronger outfit this time round, finishing fourth and level on points with Atletico Madrid. There is a different look to the side but the same can be said for United. Sunday's clash for a place in the final is certainly a must-watch.
After this game firmly showed Mourinho's Man United had a long way to go to compete with Europe's best teams, does this year's semi-final, albeit in the Europa League, show that Solskjaer's Red Devils are ready to join the party once more?
It was the fourth time in five match-ups that Sevilla have knocked an English side out of Europe
Devoted problem solver. Tv advocate. Avid zombie aficionado. Proud twitter nerd. Subtly charming alcohol geek.
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text:
COVID-19 Response> Vaccine Information
Adventist Health Hospital@Home
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Events Calendar Event Details
Light Up a Life! Reading of the Names
Support hospice services in Tillamook County
Names of all those honored and remembered will be displayed in the hospital's front lobby and recited at the Reading of the Names virtual event. Watch here.
A donation during this time, made in memory of someone who has died, or in honor of someone still living, helps to provide hospice care to anyone in our community with a terminal illness, regardless of their ability to pay. Donations may be made by :
Mail to P.O. Box 188, Tillamook, OR 97141
In-person at 980 Third Street, Suite 400, Tillamook, OR 97141
Honoring the life of Mary Hanback
Mary Hanback moved to Tillamook in 1987 when her husband, Mike, accepted the call to be the pastor at St. John's United Church of Christ. Mary lit up the lives of so many with her love of music. She was active in the church's music programs singing in or directing the choir, playing in the bell choir, serving as the church organist, playing for weddings and funerals held at the church. A skilled photographer, she won several ribbons at the Tillamook County Fair. She also loved to fish, and could be found at the local rivers with her line in the water ready to catch the "big one." Mary worked for the Headlight Herald and the Tillamook School District.
At the close of her amazing life, hospice care allowed Mary to be surrounded by those who loved and cared for her most — her family. The hospice team stepped in during that difficult time and supported Mary's daughters as primary caregivers for their beloved mom.
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Home > Blog > Interesting Facts > Most Interesting Facts about Saint Kitts and Nevis
Most Interesting Facts about Saint Kitts and Nevis
By OnHisOwnTrip June 17, 2020 April 30, 2021
Located between the Atlantic Ocean and the Caribbean Sea, the islands of Saint Kitts and Nevis are downright drop dead gorgeous. If you've ever considered a tropical climate beach destination that's completely off-the-beaten-path, this is it. Here are some of the most interesting facts about the country!
1. In terms of both population and land area, St. Kitts and Nevis is the smallest country in the Caribbean (and indeed in the whole of the Americas).
2. Both St. Kitts and Nevis are volcanic islands. Because of this they have very dramatic central mountains and have had rather unpredictable geologic history with lush tropical vegetation.
3. The Island of St Kitts and Nevis was founded by Christopher Columbus in 1493 although it was already inhabited. He subsequently gave the names San Martínto the island, now known as Nevis and San Cristóbal to Saint Kitts.
4. The English began to settle the islands in 1623 and St. Kitts was the first English colony in the Caribbean. Over the next several years, the English and the French would fight over the island. Eventually the English took full control.
5. The islands are known for 'goat water,' a stew usually made from the neck bones and meat of goats.
6. Like many of its neighbours, St. Kitts was formed by volcanoes, all of which are now dormant. The tallest is the 3,792ft Mount Liamuiga, which is thought to have last erupted some 200 years ago. Energetic visitors can hike through pristine tropical forest to its summit, a mile-wide volcanic crater known as the "Giant's Salad Bowl".
Source: climb-a-mountain
7. While they are part of the same country, residents of St. Kitts are called Kittitians while the people who live on Nevis are called Nevisians.
8. Nevis is the birthplace and early childhood home of Alexander Hamilton, one of the founding fathers of the United States. Born on Nevis around 1755, Hamilton spent a significant part of his childhood on Nevis. His father was a trader from Scotland, his mother was from Nevis.
Robert L. Bradshaw Airport located in St. Kitts is the main international airport in the country. The two islands are separated by a 2-mile channel. If you arrive in St Kitts, you can take a short taxi journey from the airport to the ferry port and take the 45-minute scenic ferry ride to Nevis. There are a number of connecting flights from India to St. Kitts and Nevis.
Saint Kitts and Nevis Visa Requirements for Indians
Author's Recommendations:
Ride the St Kitts Scenic Railway: The St Kitts Scenic Railways offers visitors a glimpse of the real St Kitts as the route is 18 miles by rail and an additional 12 miles by bus which makes a complete 30-mile circle of the island. This near 3-hour tour allows visitors to get a glimpse of many of the island's villages plus famous and historic sites including Brimstone Hill Fortress. Hop aboard and try this amazing tour while in St. Kitts.
Brimstone Hill Fortress National Park: Head to the hills and enjoy breath-taking panoramic vistas from this imposing military fortress, a UNESCO World Heritage Site showcasing 17th-18th-century military architecture. Standing 240m above sea level, it is a breath-taking complex, constructed in about 1690 by African slave labour. It now houses a museum that gives a good insight into what life would have been like for the soldiers living in the dramatic surroundings.
Mt. Liamuiga: Not for the faint-hearted or the unfit, the steep hike to the crater of dormant volcano Mount Liamuiga rewards walkers with great views of neighbouring islands from St Kitts' highest point, at 1155m. Climbing the mountain is a bit difficult as there are huge rocks and boulders and also the poorly marked path can deviate from the original one but the hustle is totally worth it once you reach the top.
Source: Hand Luggage Only
Explore the beaches: Set aside some time to spend a day or two at the turquoise blue beaches of this island country. South Frigate Bay, South Friars Bay and Cockleshell Bay are popular options filled with laid-back beach bars and shacks and ample beach chairs to relax on the beach and revel in the laid-back Caribbean. Don't miss snorkelling at Dieppe Bay Beach as well.
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As he walked out of the kitchen, I already felt like he had won. I was so proud of the fact that he decided to run on his own. As a parent, you're often not sure if your kids are getting the message. We don't keep a checklist on the fridge of all the things we do/do not want them to do. So, we try to lead by example. But, more than that, we hope. We hope a lot. Hope that they will understand all that we cannot put into words. That they err on the side of what's right. That they just be nice, and kind, and president.
And just like that, I beheld the candidate and his campaign manager. For the next few days, it felt like I was in the presence of a young JFK and his brother, Bobby. The boys continued their work in earnest.
"Now, Owen, you should put all of these in a folder so you don't…" directed Hayden, and the two boys were off again. I saw them cutting and folding, and placing everything in what I am sure was the first file cabinet for many of us–underneath the couch.
"By telling them we need more buses!" he answers emphatically.
That night, I watch him craft his speech. He doesn't let me read it, but he allows me to show him how to write it in big letters on several index cards. Since I will not see him in the morning, I wish him well before bed.
I first thought about writing this post before the election took place, and I thought it would be cool not to reveal if he won or not. I truly believe he is a winner just for trying to do this at such a young age. And not a "winner" in the sense that every kid gets a trophy at the end of the season regardless of their record, but a winner in the sense that he took a chance, he stood up, he wanted to be a part of something bigger than himself.
But now that I know the outcome, I must inform you–and not for the reasons you might think.
Owen won. He did, and I am proud. But the victory was enlightening for other reasons.
For one, some of his "friends" said mean things about his winning–one even claimed they were no longer buds (the same boy who was playing with him at a birthday party two days later)–and therein lies a hard lesson for anyone. As the wise sage Taylor Swift once proclaimed, "And the haters gonna hate, hate, hate, hate, hate…" An important lesson indeed: there will always be people who will try to dampen your spirits, who don't want you to succeed. But I am happy to tell you that Owen seemed quite unphased by this.
The second insight from the election comes from the fact that two of Owen's running mates wore oxfords with bow ties and delivered Power Point presentations. My son wore his usual shorts and sneaks, delivered a heartfelt speech and gave everyone a colorful voting card–looks like Owen's on his way to being a Democrat.
Regardless of his political leanings–he'll always have my vote.


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Payday lenders: FCA proposes tougher controls on adverts and rollovers
City regulator to stop payday lenders rolling over loans more than twice and restrict how they take cash from bank accounts
Hilary Osborne
Thu 3 Oct 2013 03.12 EDT First published on Thu 3 Oct 2013 03.12 EDT
Payday lenders, such as Wonga, will have to provide information on free debt advice to those who want to roll over a loan. Photograph: Rex/Jeff Blackler
Payday lenders will be forced to make tougher affordability checks under a crackdown by the City regulator that could stop borrowers being given loans within minutes of applying.
New rules to protect borrowers recommended by the Financial Conduct Authority are designed to ensure that only people who can afford to repay a loan will be granted one – proposals that ministers said would have a profound effect on the sector.
Lenders will be prevented from rolling over loans more than twice to stop charges escalating, and there will be restrictions on how many times they can try to take cash from a borrower's bank account.
However, the FCA held back from capping interest charges on an industry whose biggest lender, Wonga, has been castigated by politicians, charities and the Archbishop of Canterbury for charging an APR of 5,800%. The consumer minister, Jo Swinson, said the changes would have "a profound impact on the industry's risk model", while the head of the FCA said 30% of lenders could leave the market as result. It added that up to 30% of consumers who were currently offered loans would lose access to them, and lending could be reduced by up to £750m.
The announcement came as research from the government showed lenders were not meeting voluntary codes of conduct, leaving customers under pressure to take on more borrowing.
However, the Labour MP Stella Creasy, a leading critic of the payday industry and vocal supporter of interest rate caps, said the new rules did not go far enough. Creasy, who has campaigned against what she calls "legal loan sharks", said the industry had "slipped through the net again".
"While I welcome the focus of the FCA on legal loan sharks and their research into capping, the lack of real action again today on the actual cost of credit itself will be a blow for many caught in a spiral of debt due to payday lenders," she said. "The FCA's hands are being tied by a government that consistently speaks out against what most other countries have done to tackle legal loan sharks by opposing capping what these companies can charge."
The FCA will take over regulation of the consumer credit market, including payday loans, in April 2014 and has outlined how it plans to govern all types of lenders, with new payday lender restrictions to be introduced next July.
The FCA's chief executive, Martin Wheatley, said: "We believe payday lending has a place; many people make use of these loans and pay off their debt without a hitch, so we don't want to stop that happening. But this type of credit must only be offered to those that can afford it and payday lenders must not be allowed to drain money from a borrower's account."
Its plans for tackling the payday loans industry include limiting the number of times a loan can be extended – or rolled over – to two, and preventing lenders from making repeated use of continuous payment authorities (CPAs) to reclaim repayments from consumers' bank accounts.
Currently some lenders hit accounts multiple times in a day, often clawing back whatever they can if there is not enough for the full amount owed.
They are preferred creditors, which means they are able to take money from customers before they pay their housing costs or other bills. In future they will have to stop after two unsuccessful attempts and will be banned from trying to collect just part of the planned repayment.
Lenders will also have to publish risk warnings on adverts and provide information on free debt advice to anyone who wants to roll over a loan. Current guidance on checking whether a borrower can afford a loan before making it will become binding rules.
However, the FCA said lenders needed time to change their practices, so although it wanted to introduce the reforms from 1 April 2014, rules on CPAs and rollovers would not come into effect until 1 July.The new rules were published alongside the results of a Department for Business, Innovation and Skills survey of 4,000 borrowers undertaken over the summer, which showed nearly a quarter of borrowers were put under pressure to extend the repayment period.
About two-thirds said the lender did not appear to check their financial position before offering a rollover, almost a third said they had not had the CPA clearly explained to them and nearly two-thirds were not told how to cancel them.
Swinson, said the new rules addressed the concerns raised by the research. "People are concerned about the business profiting out of people who take out loans they cannot afford to repay and the FCA rules should stop that – alongside the better affordability checks, if someone can only roll over the loan a limited number of times, the costs will be limited," she said.added that without lenders sharing real-time data on what loans people had taken, the rules would probably force "some element of slowing down". Wheatley agreed, telling Radio 4: "The fact you can get a loan in 10 minutes means the person lending to you isn't really doing the proper affordability checking. It will be a lengthier process and arguably 10 minutes to get money for people who may not have the ability to repay is too short in any case."The chief executive of Citizens Advice, Gillian Guy, said: "The new rules from the FCA are essential to stem the tide of predatory payday lenders and protect consumers from unacceptable behaviour from the credit industry."
Guy said borrowers had been loaned money without proper checks, and some had been left without cash for food after having their bank accounts drained using CPAs. "The squeeze on living standards means people sometimes need a short-term loan to cover unexpected expenses. It's really important that there is a responsible short-term loan market and it's about time traditional lenders, like banks, became part of it," she said.
Borrowing & debt
Payday loan TV ads rocket as adults estimated to watch 152 a year - Ofcom
Regulator's report reveals enormous growth in TV ads for companies such as Wonga, up from 17,000 per year in 2009. By Mark Sweney
Labour vows to impose new tax on payday lenders
Ed Miliband says his party would double the £13m a year given to fund capacity of credit unions and other low-cost institutions
Payday lending: debts of dishonour
Editorial: The welcome given to the proposals by the industry suggests the FCA has leant too far towards preserving access to short-term loans and not enough in the direction of vulnerable borrowers
Labour support for Ed Miliband reaches highest level since 2010
Poll shows 21 point post-conference boost in leader's rating among party supporters – but Labour neck and neck with Tories
Payday loans U-turn represents 'intellectual collapse', says Ed Miliband
Why George Osborne decided to act on payday loans
Payday lenders: Labour will impose new tax to fund cheaper alternatives
What is a CPA, and how does it work?


This Charter sets out the particulars and the conditions of our contract to provide an Out of School Service.
Childcare in the community support and facilitate play experiences for children of school age up till 16 years.
Children's play is freely chosen from a variety of play spaces and resources. They determine and control the content and intent of their play.
Playworkers provide a stimulating and challenging play environment where children can express their feelings in a positive way and make new friends. Children have the opportunity to be involved in handling, tasting and learning about different foods, discovering ways in which eating and drinking help us to grow and keep healthy.
The children plan their own healthy snack menu.
During the school holidays children plan trips and outings giving them the opportunity to understand the world around them by exporing their own and the wider environment.
A minimum of 4 weeks' notice in writing will be given for any proposed fee changes.
All fees are due in full in advance for each week/month unless special arrangements are made.
Any extra (one off) days i.e. emergency cover, special circumstances, etc. Requested, will be given subject to availability and paid for in advance or on the day when your child arrives.
If your child is going to be absent from the service, please contact the office before 9.15am on the day of absence. You may also leave a message on service's mobile, which has an answering service.
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Please note that it is vital we know if your child is going to be absent from the service so that we know exactly which children to collect from the school.
The contacts should be people who would be willing to collect and care for your child if your child is sick. They should have agreed to be emergency contacts and should have signed the appropriate registration form. If your child is sick you will be notified first. If you are unable to be contacted, the emergency contact will be notified.
The service MUST be made aware of any medical conditions that your child suffers from.
Parents wishing a child to be given prescribed medicine must complete consent form detailing the prescribed medicine and frequency of dosage your child requires whilst attending the service.
It is up to the OOSC provider to decide if a child is too sick to be at OOSC. If a child becomes ill while attending OOSC, the parents will be notified and expected to pick up the child. Sick children will as far as possible, be isolated from the rest of the children until parent/guardian picks them up from the service.
The person who is collecting the child must sign them out before taking them home. The service must be given a note of the names and addresses of the persons who are authorised to collect your child and Childcare in the Community must be given a copy of their signatures.
Parents/Guardians are responsible for ensuring that any alterations or updates to their emergency contact list is provided to Childcare in the Community. If someone other than the parent/guardian is collecting the child, the person collecting the child must be given a letter signed by the parent/guardian authorising them to collect the child. In the event of no signed letter, the Out of School Care staff will be unable to let the child leave the Out of School Care setting. The person collecting the child must be over 16 years of age.
Please note that Hillhouse & Earnock Community Centre closes at 6.00pm sharp and staff have to leave the building. Also Childcare in the Community are only insured for your child till 6.00pm. You must telephone the service / office if you are going to be late to allow Childcare in the Community to make further arrangements. An extra charge will be applied for late collection of your child(ren).
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Holiday periods: Packed lunches should be provided by parent/guardian. A snack will be provided by Childcare in the Community morning and afternoon.
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To help maintain and develop the service it is important to hold regular fundraising events in which ALL parents and children will be encouraged to participate. Any fundraising ideas would be welcomed.
Occasionally photographs taken in the childcare service are used for publicity materials. You will be asked to complete a Consent Form (attached to Registration Form) stating whether or not you agree to your child's photograph being used in these materials.
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It should be noted that termination of this agreement does not absolve the parent/guardian of any outstanding liability due to Childcare in the Community Out of School Care.


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Gallery addition: Fleetwood Metal Body Company
We've made a start with the gallery for the American Fleetwood Metal Body Company. There are currently five models enlisted and, hopefully with a little help from you, much more to come!
The Fleetwood Metal Body Company was founded on April 1, 1909 by Harry C. Urich (1867-1941) with several of the principals of the Reading Body Company. After the Reading Body Company was sold to Garford, an early automobile manufacturer, a newly established team of ex-Reading workers and friends started the Fleetwood Metal Body Company to produce bodies in the E.M. Hill's former Fleetwood Planing Mill.
Fleetwood's quality and style soon lead to commissions from most of the major fine car makers, the vast majority from Packard. Throughout the twenties, the company continued to expand, becoming the coachbuilder of choice for Lincoln. Fleetwood continued as an independent automobile body builder until acquired in 1925 by the Fisher Body Company, a division of General Motors. With acquisition by Fisher, coachwork for Cadillac began to assume a greater role in the company's output and eventually Fleetwood became a part of Cadillac in 1928. By 1929, most of Fleetwood's work was for Cadillac, and very few outside commissions were accepted. Eventually, under GM/Fisher's directives, the company also made series produced Cadillac models with the Fleetwood name. The company continued in Fleetwood until General Motors moved the entire operation to Detroit in December 1930.
When the special coachbuilding tradition diminished, the Fleetwood name was used by Cadillac to designate the special top of the line trim of the Series 70 and 60 and from 1972 Cadillac reused the Fleetwood name as a model designation for their 'ordinary' series produced luxury sedans.
See below the five models currently present in the Fleetwood Gallery.
Fleetwood Cadillac V16 Convertible Coupe
Fleetwood Cadillac V16 Convertible Phaeton
Fleetwood Cadillac V16 Roadster
Fleetwood Cadillac Series 62 Convertible Coupe
Fleetwood Isotta-Fraschini Tipo 8A S Roadster
To enjoy even more Fleetwood cars and to provide our visitors with more information and/or pictures, please join our FORUM.
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