text:
West Virginia University [ nav ]
Department of Forensic and Investigative Science Department of Forensic
and investigative science
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M.S. in Forensic and Investigative Science
This Forensic Science Education Programs Accreditation Commission (FEPAC) accredited degree program is rigorous, quantitative, and science-based. Coursework focuses on advanced science courses, including microscopy, trace evidence, pattern evidence and laboratory management.
The degree is unique in that it shares aspects of a professional education degree, such as an MBA, while retaining a strong research component. Students are required to complete a minimum of 40 credit hours, including six credit hours of research. The coursework is comprised of a core of advanced chemistry and biology courses and complemented with additional laboratory-based instruction in criminalistics, trace and impression evidence, and forensic informatics. Students also study forensic statistics, ethics, and laboratory management.
An independent research project/thesis under the supervision of a faculty member is required. The learning and research environment is supported by state-of-the-art instrumentation and laboratory facilities.
This degree recognizes that future forensic scientists will need even greater education and training to work in national and state forensic laboratories. Our program is designed to prepare tomorrow's leading forensic science investigators and laboratory analysts.
All students should identify a faculty mentor and research topic as soon as possible. In order to register for FIS 697 Research, the student must have successfully completed his or her thesis proposal defense.
Each student is responsible to ensure that, with the assistance of the Graduate Studies Coordinator, his or her committee is correctly constituted. Upon successful completion of the research, the candidate will present his or her results in a thesis and at the appropriate time defend the work in a final oral examination according to the rules of the College and University.
Applicants must have a bachelor's degree in natural science, forensic science, or equivalent which includes one year of each of the following courses:
Fundamentals of Chemistry (inclusive of laboratories)
Organic Chemistry (inclusive of laboratories)
Biology (inclusive of laboratories)
Physics (inclusive of laboratories)
Additional Requirements for Admission:
Personal statement (for more information, click here)
GRE taken within the last five years with a score of 300 or better.
GPA of 3.00 or better on a 4.00 scale
Writing sample in a peer-reviewed publication where the applicant was the lead author (of, at most, three authors) or a 5-page essay. For more information on the essay, please click here.
Two letters of recommendation.
Upon receipt and evaluation of application package, suitable candidates will be invited for a final interview with the graduate committee. Students enrolled in the program will be required to maintain a GPA of 3.0.
Applications are accepted on a rolling basis and will be accepted throughout the year. Application reviews for a fall semester start begin in late February.
Application to WVU
Graduate Course Catalog
Ph.D. in Forensic Science
Pathways to Ph.D. Program
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Department of Forensic and Investigative Science
208 Oglebay Hall | P.O. Box 6121 | Morgantown, WV 26506-6121
© 2022 West Virginia University. WVU is an EEO/Affirmative Action employer — Minority/Female/Disability/Veteran. Last updated on November 18, 2021.
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chathair na hEaglaise i gCúige Connacht.
bheith 'caraidheacht leis an mBéarla gránna sin."
Thuaim agus diabhal bhfuil 'fhios agam nach thú fhéin é."
dtí an teach ósda mé."
ghiorrán bán, agus d'imthigh léi ins na foiridhe glinnte.
"Tá eolas agad ar gach uile dhuine san mbaile,"
"Tá aithne agad ar Sheaghán MagFhlionn mar sin."
"Maiseadh go deimhin tá, le bliadhanta móra fada."
"Goidé an sórt fir é féin?"
"Chualas, acht ní fhaca mé riamh an fear."
you put Irish on the two inds of a shtick for me."
gur chuir sin "na thost an spreallaire."
Thosuigh an tiománaidhe ag caint leis an gcapall.
mBéarla salach a chaint leis an gcapall bocht féin!"
chuaidh sé i n-aosdacht ó shoin.
suaim na teangan chomh binn chomh milis sin aige.
nidh dá raibh 'na chúmhachta.
two heads of a stick?"


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The LUNA Venado 2.0 is lightweight, comfortable, and has excellent ground feel. This sandal is great for running or walking on paved surfaces.


text:
William Deeply Upset by Panorama Interview
New William Bio
Tom Sykes
Updated Apr. 24, 2017 12:00PM ET / Published May. 05, 2012 4:04PM ET
A serialization of Penny Junor's new anti-Diana and pro-Charles biography of Prince William in The Daily Mail today provides the astonishing revelation that William was deeply upset by his mother's interview on Panorama, in which she uttered the famous words, "There were three of us in this marriage, so it was a bit crowded."One of his friends says: "Imagine what it must have been like to live through the s**t of William's childhood: the divorce, the acrimony, the shame of it all being played out in public, his mother's Panorama interview, then she's dead. His father's mistress hanging around, then moving in."It makes you shudder. Even if you were living on a sink estate, you'd feel sorry for your neighbour if they'd gone through that."
Well, exactly.

redpajama_set_name: RedPajamaCommonCrawl


text:
The Large Families that Rule The World
3 0 Truth Seeker Monday, September 16, 2013 Edit this post
Some people have started realizing that there are large financial groups that dominate the world. Forget the political intrigues, conflicts, revolutions and wars. It is not pure chance. Everything has been planned for a long time. Some call it "conspiracy theories" or New World Order. Anyway, the key to understanding the current political and economic events is a restricted core of families who have accumulated more wealth and power.
Some people have started realizing that there are large financial groups that dominate the world. Forget the political intrigues, conflicts, revolutions and wars. It is not pure chance. Everything has been planned for a long time. Some call it "conspiracy theories" or New World Order.
Anyway, the key to understanding the current political and economic events is a restricted core of families who have accumulated more wealth and power.
We are speaking of 6, 8 or maybe 12 families who truly dominate the world. Know that it is a mystery difficult to unravel.
We will not be far from the truth by citing Goldman Sachs, Rockefellers, Loebs Kuh and Lehmans in New York, the Rothschilds of Paris and London, the Warburgs of Hamburg, Paris and Lazards Israel Moses Seifs Rome.
Many people have heard of the Bilderberg Group, Illuminati or the Trilateral Commission. But what are the names of the families who run the world and have control of states and international organizations like the UN, NATO or the IMF?
To try to answer this question, we can start with the easiest: inventory, the world's largest banks, and see who the shareholders are and who make the decisions. The world's largest companies are now: Bank of America, JP Morgan, Citigroup, Wells Fargo, Goldman Sachs and Morgan Stanley. Let us now review who their shareholders are.
- Bank of America:
State Street Corporation, Vanguard Group, BlackRock, FMR (Fidelity), Paulson, JP Morgan, T. Rowe, Capital World Investors, AXA, Bank of NY, Mellon.
- JP Morgan:
State Street Corp., Vanguard Group, FMR, BlackRock, T. Rowe, AXA, Capital World Investor, Capital Research Global Investor, Northern Trust Corp. and Bank of Mellon.
- Citigroup:
State Street Corporation, Vanguard Group, BlackRock, Paulson, FMR, Capital World Investor, JP Morgan, Northern Trust Corporation, Fairhome Capital Mgmt and Bank of NY Mellon.
- Wells Fargo:
Berkshire Hathaway, FMR, State Street, Vanguard Group, Capital World Investors, BlackRock, Wellington Mgmt, AXA, T. Rowe and Davis Selected Advisers.
We can see that now there appears to be a nucleus present in all banks: State Street Corporation, Vanguard Group, BlackRock and FMR (Fidelity). To avoid repeating them, we will now call them the "big four"
- Goldman Sachs:
"The big four," Wellington, Capital World Investors, AXA, Massachusetts Financial Service and T. Rowe.
- Morgan Stanley:
"The big four," Mitsubishi UFJ, Franklin Resources, AXA, T. Rowe, Bank of NY Mellon e Jennison Associates. Rowe, Bank of NY Mellon and Jennison Associates.
We can just about always verify the names of major shareholders. To go further, we can now try to find out the shareholders of these companies and shareholders of major banks worldwide.
- Bank of NY Mellon:
Davis Selected, Massachusetts Financial Services, Capital Research Global Investor, Dodge, Cox, Southeatern Asset Mgmt. and … "The big four."
- State Street Corporation (one of the "big four"):
Massachusetts Financial Services, Capital Research Global Investor, Barrow Hanley, GE, Putnam Investment and … The "big four" (shareholders themselves!).
- BlackRock (another of the "big four"):
PNC, Barclays e CIC.
Who is behind the PNC? FMR (Fidelity), BlackRock, State Street, etc. And behind Barclays? BlackRock
And we could go on for hours, passing by tax havens in the Cayman Islands, Monaco or the legal domicile of Shell companies in Liechtenstein. A network where companies are always the same, but never a name of a family.
In short: the eight largest U.S. financial companies (JP Morgan, Wells Fargo, Bank of America, Citigroup, Goldman Sachs, U.S. Bancorp, Bank of New York Mellon and Morgan Stanley) are 100% controlled by ten shareholders and we have four companies always present in all decisions: BlackRock, State Street, Vanguard and Fidelity.
In addition, the Federal Reserve is comprised of 12 banks, represented by a board of seven people, which comprises representatives of the "big four," which in turn are present in all other entities.
In short, the Federal Reserve is controlled by four large private companies: BlackRock, State Street, Vanguard and Fidelity. These companies control U.S. monetary policy (and world) without any control or "democratic" choice. These companies launched and participated in the current worldwide economic crisis and managed to become even more enriched.
To finish, a look at some of the companies controlled by this "big four" group
Alcoa Inc.
Altria Group Inc.
American International Group Inc.
AT&T Inc.
Boeing Co.
Coca-Cola Co.
DuPont & Co.
Exxon Mobil Corp.
Hewlett-Packard Co.
Home Depot Inc.
International Business Machines Corp
JP Morgan Chase & Co.
McDonald's Corp.
Merck & Co. Inc.
Microsoft Corp.
3M Co.
Procter & Gamble Co.
United Technologies Corp.
Verizon Communications Inc.
Wal-Mart Stores Inc.
Rupert Murdoch's News Corporation.,
The same "big four" control the vast majority of European companies counted on the stock exchange.
In addition, all these people run the large financial institutions, such as the IMF, the European Central Bank or the World Bank, and were "trained" and remain "employees" of the "big four" that formed them. The names of the families that control the "big four", never appear.
Translated from the Portuguese version by: Lisa Karpova, Pravda.Ru
Source: Pravda via RealNews24
World's 100 Richest earned enough in 2012 to End Global Poverty 4 Times over
Nestle CEO: Water Is Not A Human Right, Should Be Privatized
Everything Is Rigged: The Biggest Price-Fixing Scandal Ever
The Corporation (2003) Award-winning Documentary
The Money Masters (Documentary): How Banks Create Money Out Of Thin Air
Matthew Li June 10, 2014 at 10:43 PM
literally no useful information was in this post
alle zwei tage diät
John Barness February 24, 2016 at 7:47 AM
Sounds like we all are slaves who work hard for their wealth. I don't think so. In the modern world there are so many opportunities that everyone could become a millionaire. For example, cloud services like Ideals are expected to hit the market in the nearest future.
Thinking Humanity: The Large Families that Rule The World
http://4.bp.blogspot.com/-Xh1B5BjrvRs/Ujck-KKaKQI/AAAAAAAACko/2o7bBPAv9YQ/s1600/The+Large+Families+that+Rule+The+World.jpg
http://4.bp.blogspot.com/-Xh1B5BjrvRs/Ujck-KKaKQI/AAAAAAAACko/2o7bBPAv9YQ/s72-c/The+Large+Families+that+Rule+The+World.jpg
https://www.thinkinghumanity.com/2013/09/the-large-families-that-rule-world.html


text:
Q: Powershell - email free space information i am currently using:
$emailFrom = "user@host.com"
$emailTo = "destination@host.com"
$subject = "subject"
$body = "message"
$smtpServer = "mail.host.com"
$smtp = new-object Net.Mail.SmtpClient($smtpServer)
$smtp.Send($emailFrom, $emailTo, $subject, $body)

and i know that with the folowing command i can find out the free space on all of my hdd:
Get-WmiObject WIN32_logicaldisk | sort -desc freespace | select -first 3 | format-table -autosize deviceid,devicetype,providername,freespace,size,volumename;

when i try to do this:
$body = Get-WmiObject WIN32_logicaldisk | sort -desc freespace | select -first 3 | format-table -autosize deviceid,devicetype,providername,freespace,size,volumename;

but all i get in my email is the folowing:
    Microsoft.PowerShell.Commands.Internal.Format.FormatStartData Microsoft.PowerShell.Commands.Internal.Format.GroupStartData Microsoft.PowerShell.Commands.Internal.Format.FormatEntryData Microsoft.PowerShell.Commands.Internal.Format.FormatEntryData
Microsoft.PowerShell.Commands.Internal.Format.FormatEntryData Microsoft.PowerShell.Commands.Internal.Format.GroupEndData Microsoft.PowerShell.Commands.Internal.Format.FormatEndData

how can i get my free space via email using powershell???

A: Try:
$body = Get-WmiObject WIN32_logicaldisk | sort -desc freespace | select -first 3 | format-table -autosize deviceid,devicetype,providername,freespace,size,volumename | out-string
I've just tried it on my PC and it worked.
For some background on why this works see:
http://blogs.msdn.com/powershell/archive/2006/04/25/how-does-select-string-work-with-pipelines-of-objects.aspx
JR

A: You can try this:
$body_array = Get-WmiObject WIN32_logicaldisk | sort -desc freespace | select -first 3 | format-table -autosize deviceid,devicetype,providername,freespace,size,volumename;
$body = $body_array.ToString();

A: You could possibly adapt from my post in this thread.

A: PowerShell is taking a stream of objects from Get-WMIObject, sorting and selecting a subset, then producing a text rendition of the remaining objects-- not just working with pure text. If you want to get a pure text rendition, you can just change your call to format-table to use select-object instead.

redpajama_set_name: RedPajamaStackExchange


Off a road called "Hacker Way" south of San Francisco, California, there's a secluded building.
Inside, 50 Facebook programmers are working on a secret project that could forever change the way the world looks at crypto.
You see, they have a singular goal: creating and launching a Facebook cryptocurrency.
We don't know what it's going to be called yet (I'll refer to it as Facebook coin for now). But we do know it's expected to launch in the first half of 2019. And the Facebook coin network could become the world's largest payment network overnight.
This man never graduated from college – in fact, he worked most of his career at Home Depot. But he invented something that uncovers opportunities to collect thousands of dollars in extra cash in a matter of SECONDS.
Live on camera, watch him become $1,050 richer in 15 seconds… $940 richer in 11 seconds… $1,260 richer in 8 seconds… and $988 richer in 7 seconds. And he's prepared to show you something that could set you up for an extra $2,918… instantly.
Media reports say Facebook will launch a stablecoin – which is a crypto that's tied to the price of the U.S. dollar. That means the value of each Facebook coin will always be worth US$1.
The coin will launch first on messaging platform WhatsApp. And reports say it will first target India's remittance market – that is, people who live abroad and are sending money back home. India's the world's biggest remittance market. People sent US$69 billion to the country in 2017. Facebook wants a cut of that.
And the company has the scale to get it.
Facebook hired David Marcus, who was president of online payments company PayPal and a board member at one of the world's largest crypto exchanges, to lead the project.
After rolling out to everyone on WhatsApp, Facebook can add its coin to its own messaging platform, Messenger, and photo-sharing app Instagram.
Put it all together, and Facebook coin could soon be available to more than 2.7 billion people. That's about 65 percent of the 4.2 billion people who have internet access. And it's more than 75 times the number of verified crypto users (there were 35 million in 2018).
Last week, IBM announced it's created a way for banks around the world to issue their own stablecoins on the Stellar (XLM) network (check out Crypto Capital for more on Stellar). Six banks have already signed on, including Brazil's largest bank Banco Bradesco.
Another of the world's largest banks, U.S.-based JPMorgan Chase, also recently announced its own stablecoin. But there are important differences between it and Facebook coin. JPM Coin runs on a private network that can only be accessed by JPMorgan's handpicked clients.
By fencing JPM Coin off from the rest of the world, it's not much more than a digital credit.
One of crypto's biggest strengths lies in the fact that its open and accessible to users around the world.
Facebook understands that all too well. It tried to launch its own credits system in 2011. Dubbed Facebook Credits, it failed miserably – but not for lack of trying.
Facebook made it easy to buy credits online. They also rolled out gift cards at hundreds of thousands of brick-and-mortar stores around the world. Walmart carried them. So did GameStop, Tesco and Best Buy.
Few people bought them. There are a lot of reasons that Facebook Credits failed, but the biggest one was there wasn't much you could do with them. You could use them for purchases in games, but you couldn't send them to friends, and there were few real-world items you could buy with them.
The failure was exactly the slap in the face that Facebook needed. The company now realizes it MUST cede some control over its coin if it wants it to succeed.
So Facebook has been meeting with crypto exchanges. It appears that it wants them to give users a way to buy Facebook coins. If users can buy Facebook coins on a crypto exchange, the system will be far more open than Facebook Credits, JPM Coin and Facebook's current payments system (which relies on debit cards and is limited to a handful of countries).
In theory, it also means users could spend Facebook coin outside of Facebook's apps. They could swap them for their own local currencies or bitcoin on a crypto exchange like Binance. One day, users might even be able to send their Facebook coins to, say, their Netflix accounts to pay for streaming video.
Facebook coin could literally become a proxy or stand-in for actual U.S. dollars.
Half of me hates the idea of a Facebook coin. Crypto was designed to eliminate the need for government and bank-controlled money. It enables us to send money peer to peer without intermediaries like Facebook. (My colleague Eric Wade isn't crazy about Facebook coin either.).
But crypto can't go mainstream if it's not easy to use. Creating an account has to be easy. Sending money to someone has to be easy. Swapping from one currency to another has to be easy.
Right now, the market is fragmented. If you do decide you want to purchase crypto, it's hard to know where to start and which companies to trust.
Facebook could change that overnight. Users already have Facebook accounts. And most of them use them every day. With a single update to its applications, Facebook will give those users an easy onramp into the crypto world.
No longer will cryptos be perceived as a tool for scammers and scofflaws. They'll be recognized for what they are: a form of truly global money that's fast, secure, inflation-proof and free from government manipulation.
Facebook shut down its credits program in 2013. Just five years later, it's going after the payments market again. And this time, signs point to a network that's radically more open.
On exchanges, users will be able to swap Facebook coin for cryptos or their own local currencies. As they become more accustomed to cryptos and their advantages, I believe they'll increasingly choose cryptos – especially as the use-case for cryptos grows.
That's why I believe now is the perfect time to start investing in cryptos.


MELBOURNE – Andy Murray's breakthrough win at the U.S. Open was reward for having the courage to leave his comfort zone, but the player he beat in the final still has the edge over the Briton, according to seven-times grand slam champion Mats Wilander.
Wilander said little could be read into Murray's five-set victory over Novak Djokovic at a gusty Flushing Meadows last September, given the Serb appeared to have had a bad day in the office.
"Djokovic does have the edge," Swede Wilander told Reuters at Melbourne Park, where both 25-year-old players have reached the fourth round but cannot meet until the final.
"He literally will have an edge for a long time but that can be changed.
"It's really hard to say what happened at the U.S. Open.
"I'm not saying he did this intentionally, but there are matches in your career where you can't cope with how you feel.
Things were still looking up for Murray, however, having taken on eight-times grand slam winner Ivan Lendl as coach, the 48-year-old Swede said.
While Lendl had not necessarily secured Murray's maiden grand slam, it had certainly sped up the process.
"I think he's getting better all the time and if he's not, then Ivan Lendl has better things to do, which is play 36 holes instead of 18," he said of the former world number one and golf enthusiast.
Lendl's voice had added a tone of authority that may have been lacking from 'Team Murray', which included his mother and British Fed Cup captain Judy Murray, Wilander added.
"He could have won a major without Ivan, I'm sure it would have been possible, but he looks pretty grown up about his whole life in a way.
Wilander won three Australian Open titles, two back-to-back in 1983-84 when the tournament was held on grass courts at Kooyong Lawn Tennis Club in Melbourne's leafy eastern suburbs, before taking a third in 1988 when it shifted to Flinders Park, rebranded Melbourne Park in 1997.
He said 17-times grand slam champion Roger Federer could not be discounted to win a fifth title this year, but was gunning for Murray and defending champion Djokovic to slug it out on a 35 degree Celsius (95 Fahrenheit) day in the men's final.
"A beautiful day, no wind – let's hammer it out, boys. Let's see who is the fittest, strongest, the quickest, the best player in the world at this moment, that would be fun, that would be a great match that we would all look forward to," said Wilander.
Murray, who next plays Frenchman Gilles Simon, has yet to drop a set in his run to the last 16 but has not played his best tennis.
He labored at times in his third-round match against his practice partner Ricardas Berankis, a Lithuanian qualifier, and berated himself during a second-set slump.
Wilander said Murray was yet to develop Djokovic's formidable concentration over multiple sets in grand slams and could ill afford to float in and out of a match against the Serb.
"Murray is more of a two-set player and then he goes out. Then he comes back in 20 minutes and usually in five-set matches he's still in the game, but he can't do that against the top players," he added.
Powerful label software - labelmatrix.co.uk in UK.


text:
Steve Wohlberg Coming Sunday Law Facebook Post Review
December 17, 2022 September 9, 2021 by David
This Revelation Timeline Decoded post reviews a Facebook post by Steve Wohlberg about the coming Sunday Law.
Steve Wohlberg's article text is in black, my comments are in red.
The latter portion of Revelation 13's prophecy teaches that the lamb-like beast (USA) will cooperate with, and even promote, the "worship" of the first beast (Papal Rome).
The earth beast of Revelation 13 is not the USA, it is the last phase of the Roman beast kingdom. Daniel and Daniel 7 describe four beast kingdoms: Babylon > Medo-Persia > Greece > Rome. The last beast kingdom of Rome stays in power until Messiah returns.
John picks up the narrative to describe the Satan-empowered leaders of the Roman beast kingdom in Revelation 12-13, the last of which is led by the Jesuit Superior General, the black pope who rose to power out the earth (land) of the Vatican.
How does the USA cause the world to worship the Pope? It doesn't, so the premise of the USA being the earth beast makes no sense.
The earth beast phase of the end-times Roman beast kingdom is led by the false prophet Jesuit Superior General. Since taking control of the Vatican in 1798 AD, the General has caused Jesuit priests to preach the false gospel of Romanism around the world, so that today 1.3 billion Catholics revere (mark on forehead) and obey (mark on right hand, actions) the antichrist beast Pope.
Read Revelation 13 – The Roman Earth Beast Phase
God's prophecy declares: And he (the lamb-like beast) exercises all the authority of the first beast (the sea beast) in his presence, and causes the earth and those who dwell in it to worship the first beast, whose deadly wound was healed (Revelation 13:12, emphasis added).
How does the USA exercise the same authority of the antichrist beast Pope? It doesn't, as the Pope had civil and ecclesiastic authority over the Roman beast kingdom, so the premise of the USA being the earth beast makes no sense.
The Black Pope exercises civil authority at the Vatican which he carries out in the presence of the White Pope, who is his spokesman.
Get it? In Revelation 13:12, the second beast honors the first beast, contributes to its worship, and both beasts work together near the close of time. Think soberly for a minute. For nearly 1,000 years, the Roman Church dominated Europe as a church/state combination. No one questions this.
The Black Pope causes Jesuit priests to teach Romanism, the false religion of the Roman beast kingdom, which causes them to revere/worship the antichrist beast Pope.
Over the past century, the number of Catholics worldwide has more than quadrupled, from an estimated 291 million in 1910 to nearly 1.2 billion as of 2010, according to a comprehensive demographic study by the Pew Research Center. We can clearly see how the false prophet Jesuit Superior General is causing Catholics to revere and obey the antichrist beast Pope.
Revelation 16 and Revelation 19 point to two men, the false prophet Jesuit Superior General and the antichrist beast Pope, not to the USA.
But America is different. It has "two horns [without crowns] like a lamb," indicating a democratic-type government that promotes lamb-like, Christian freedoms. But finally, as a global crisis looms, both beasts work together toward a global "solution"—which eventually becomes "the mark" of the beast (see Revelation 13:16,17).
It doesn't say that it starts out like a lamb and then ends up like a dragon, it says that it has both characteristics at the same time.
The 'two horns' point to two leaders, the false prophet Jesuit Superior General and the antichrist beast Pope; who pretend to serve Messiah (lamb-like), but really serve Satan (the dragon). They control the city-state corporation of the District of Columbia, which they use to gather intelligence and to attack countries who have not bowed down to the authority of the General in Rome.
The Jesuit Carroll family helped found the USA to use it for their purposes. They also established Jesuit Georgetown University shortly afterward, to train future leaders who control the country. Read The Jesuits Helped Found America, To Use It As Their War Machine
On June 18, 2015, Pope Francis's monumental encyclical on "climate change" was released by the Vatican. On the very same day President Obama issued a press release from the White House stating: I [President Obama] welcome His Holiness Pope Francis's encyclical, and deeply admire the Pope's decision to make the case — clearly, powerfully, and with the full moral authority of his position — for action on global climate change … I believe the United States must be a leader in this effort … (The White House, Office of the Press Secretary, June 18, 2015, emphasis added).
In spite of their differences, Pope Francis and President Obama are cooperating with each other. President Obama is also promoting Pope's Francis's encyclical on "climate change," even stating that "the United States must be a leader in this effort."
The General in Rome controls the USA. We see the Roman fasces symbols, which represent their authority, on the Statue of Freedom which is on top of the U.S. Capital building and in the U.S. House of Representatives.
Dear reader, according to Bible prophecy, a global crisis is coming, and an apparent global solution.
What solution?
Read the prophecy of Revelation 13. God has warned us in advance—because He loves us, wants to enlighten us, and to protect us—that the "solution" will be the final enforcement of the mark of the beast (read Revelation 13:16,17).
The evil ones may very well make a Sunday law to support this false narrative which has deceived Seventh Day Adventists.
The USA is not the earth beast and that false narrative serves to deflect blame away from the false prophet Jesuit Superior General, which is why I believe that the Seventh Day Adventist church has been infiltrated.
Read Seventh Day Adventist False Prophecy Fulfillment Teachings
Categories Steve Wohlberg Tags Steve Wohlberg Leave a comment Post navigation
Wally Carlson Revelations Of Jesus Christ Video Review
The Little Book Of Revelation 10 Facebook Post


Corinne with her winning dishes and the chair of the judging panel Justin Clarke.
A school chef from Kings Court First School in Old Windsor scooped the title of the best school chef in the South-east today.
Corinne Du Preez, of the Ashbrook Road school, competed against three other chefs from other local authorities with her menu of poached fillet of Pollock with Arabic salad and tagine sauce, served with coriander and garlic flatbreads, followed by Moroccan date and cinnamon cake.
The LACA South East School Chef of the Year 2013 Competition, sponsored by MAGGI from Nestlé Professional, was held at Brooklands College in Weybridge.
The challenge puts the preparation, cooking, creativity and presentation skills of school chefs to the test with each entrant required to produce, in just one and a half hours, a healthy balanced two-course meal comprising of a main course and dessert that would appeal to 11-year-olds in school.
A maximum of £1.50 is allowed for the cost of a single two-course meal for one child.
The competition has been organised for nearly two decades and is the industry's premier culinary event for those in the education catering sector.
Corinne, who works for Caterlink Ltd, will go on to take part in the 2013 national final, on May 15, pitting her culinary skills against nine other top school chefs from across Great Britain.


text:
River Rouge Housing Comm., River Rouge, MI
Office of Inspector General for Audit, Midwest
77 West Jackson Boulevard, Room 2646
Phone (312) 353-7832 Fax (312)353-8866
Internet http//www.hud.gov/oig/oigindex.html
Audit Memorandum
98-CH-202-1809
MEMORANDUM FOR: Joann Adams, Director, Office of Public Housing,
Michigan State Office
FROM: Dale L. Chouteau, District Inspector General for Audit, Midwest
SUBJECT: River Rouge Housing Commission
Low-Income Housing Program
River Rouge, Michigan
We completed a review of the River Rouge Housing Commission's management of its Low-
Income Housing Program. We conducted the review in response to a complaint received by the
Michigan State Office from a tenant. The objectives of our review were to determine whether the
Housing Commission: (1) conducted adequate annual unit inspections; (2) kept its applicant
waiting lists as required by HUD, and properly assigned applicants to the units; and (3) used
Comprehensive Grant and Drug Elimination Grant Funds in accordance with HUD regulations.
We found the Commission: (1) properly conducted annual unit inspections and corrected the
deficiencies noted in the inspections; (2) kept the waiting lists and assigned units in accordance
with HUD requirements, and (3) used Comprehensive Grant and Drug Elimination Grant Funds
according to HUD regulations and only for eligible purposes.
The River Rouge Housing Commission is a Public Housing Agency organized to provide housing
to low-income families. A five member Board governs the Commission. Board members are
appointed by the Mayor for five-year staggered terms.
The Commission maintains and operates 300 units in four low-income housing projects. Forty
four units are elderly units and 256 units are family units. The Commission's maintenance
function is performed by licensed contractors.
The Commission received $1,591,383 in operating subsidies from 1995 to 1997. The
Commission also received $2,479,655 in Comprehensive Grant funds from 1995 to 1997. In
1995, HUD approved a Drug Elimination Grant for $150,000.
The Commission's records are at 180 Visger Avenue, River Rouge, Michigan.
To obtain background information, we interviewed HUD's staff from the Michigan State's Public
Housing Office. At the Office, we reviewed independent and Office of Inspector General audit
reports, operating budgets, and HUD's monitoring reports.
To assess the adequacy of the Commission's operations relating to unit inspections, waiting list,
and the use of Comprehensive Grant Drug Elimination Grant funds, we interviewed the Executive
Director and applicable Commission staff. At the Commission, we reviewed Housing Quality
Standards inspections reports for all the units; work order control systems; vacant unit
preparation records; records relating to procurement; contract bid logs; documents supporting
Public Housing Management Assessment Program (PHMAP) certifications; applicant waiting
lists; eight randomly selected tenant files for applicants housed between May and December 1997;
Comprehensive Grant and Drug Elimination Grant accounting records; physical inspection reports
provided by both the City of River Rouge and the U.S. Army Corps of Engineers relating to the
unit modernization work; and payroll records for personnel paid from Grant funds. We also
reviewed appropriate Commission policies and procedures. We inspected a randomly selected
sample of ten occupied units to determine whether the Commission's inspections were adequate
and if the Commission corrected the deficiencies.
The review covered the period July 1, 1996 through December 31, 1997. We extended the period
as necessary. We performed the review between November 1997 and March 1998. We held an
exit conference with the Executive Director of the Housing Commission on April 3, 1998 to
discuss the results of our review
Should you or your staff have any questions, please contact me at (312) 353-7832.
98-CH-202-1809                             Page 2
Acting Secretary's Representative, Midwest District
Senior Community Builder/Coordinator, Michigan State Office
Assistant General Counsel for the Midwest
Director, Public Housing Division, Michigan State Office (2)
Field Controller, Midwest
Director Field Accounting Division, Midwest
Director, Administrative Service Center 1
Assistant to the Deputy Secretary for Field Management, SDF (Room 7106)
Chief Financial Officer, F (Room 10164) (2)
Deputy Chief Financial Officer for Finance FF (Room 10164) (2)
Director, Participation and Compliance Division, HSLP (Room 9164)
Comptroller/Audit Liaison Officer, HF (Room 5132) (5)
General Counsel, C (Room 10214)
Deputy Secretary (Room 10100)
Assistant Secretary for Congressional and Intergovernmental Relations, J (Room 101120)
Deputy Assistant Secretary for Public Affairs, W (Room 10220)
Chief of Staff, S (Room 10000)
Counselor to the Secretary, S (Room 10234)
Senior Advisor to the Secretary for Communication Policy, S (Room 10222)
Assistant Secretary for Housing, H (Room 9100)
Assistant to the Secretary for Labor Relations, (Acting), SL (Room 7118)
Director, Housing and Community Development Issue Area, U.S. GAO, 441 G Street,
NW, Room 2474, Washington, DC 20548 (2)
The Honorable John Glenn, Ranking Member, Committee on Governmental Affairs,
United States Senate, Washington, DC 20515-4305
The Honorable Fred Thompson, Chairman, Committee on Governmental Affairs,
Ms. Cindy Sprunger, Subcommittee on General Oversight and Investigations,
Room 212, O'Neill House office Building, Washington, DC 20515
Mr. Pete sessions, Government Reform and Oversight Committee, Congress of the
U.S. House of Representatives, Washington, DC 20510-6250
Associate General Counsel, Office of Assisted Housing and Community Development, CD
98-CH-202-1809                           Page 3


text:
NAB, NADRA get tax record
President Arif Alvi President has promulgated Tax Laws (Third Amendment) Ordinance 2021 to legally bound the National Database and Registration Authority (NADRA) to share Pakistani citizens' data with the Federal Board of Revenue (FBR) for broadening of the tax base.
The Tax Laws (Third Amendment) Ordinance 2021 has also empowered the Federal Board of Revenue (FBR) to disconnect mobile phone and electricity connections of the non-filers of the income tax returns, according to the ordinance.
The FBR has been empowered to issue an Income Tax General Order in respect of persons who are not appearing on ATL but are liable to file a return under the provisions of this Ordinance. The Income Tax general order may entail any or all of the following consequences for the persons mentioned therein: Disabling of Mobile Phones or Mobile Phone Sims; discontinuance of electricity connection; and the discontinuance of gas connection.
The government also gave a legal cover to an "illegal act" of the past by the FBR when its officers shared information with Nadra without any legal basis.
Sources revealed that in 2019, FBR had discreetly handed over the tax record of income tax return filers for the period 2014 to 2018 to Nadra.
For the last almost a decade, Nadra had been claiming that it could help achieve the objectives of broadening the tax base and increase the tax collection through artificial intelligence-based mathematical models.
🔖Tags: artificial intelligence-based mathematical models illegal act Income Tax General NAB NADRA get tax record promulgated Tax Laws (Third Amendment) Ordinance Tax Laws tax record of income tax
PreviousGold prices fall in the local market
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David is joined by Dan Drollette Jr to chat about his new book Gold Rush in the Jungle. This book, centered in Vietnam, examines many of the former war zones that due to their abandonment have become nature habitats. This are of the world, often referred to as "the lost world" has led to the discovery of never seen mammals including a half-goat/half-ox, a deer that barks, and a close relative of the nearly extinct Javan rhino.ece for the New York Times announcing that his views have changed and that he is now in favor of gay marriage.


text:
Кири́лл Алекса́ндрович Ого́шков (псевдоним — Кири́лл Ке́рзок, 27 октября 1977 года, Челябинск) — российский сценарист и продюсер, лауреат премии ТЭФИ 2008 года.

Биография
Окончил Челябинскую государственную медицинскую академию.

Кирилл начал работу сценаристом во времена участия в команде КВН «УЕздный город», одним из авторов которой был. Вместе с командой стал чемпионом Высшей лиги КВН 2002 года.

После ухода из КВН получил известность благодаря участию в создании телепередачи «Большая разница» и ситкома «Интерны».

Работы

Телепередачи
 Большая разница — креативный продюсер, автор
 Ты смешной — автор идеи, продюсер и сценарист

Сценарии телесериалов
 2005 — Дедушка моей мечты
 2006 — Золотая тёща
 2006 — Женские истории — серия «Хочу вернуть сына»
 2006—2008 — Кто в доме хозяин?
 2007 — Белка в колесе
 2007 — Морская душа
 2007 — Своя команда
 2008 — Папины дочки
 2010—2016 — Интерны
 2017 — Детки напрокат
 2019 — 90-е. Весело и громко

Награды и номинации
 Премия «ТЭФИ-2008» в категории «Сценарист телевизионной программы» («Большая разница»)
 Номинация на премию «ТЭФИ-2009» в категории «Сценарист телевизионной программы» («Большая разница»)
 Номинация на премию «Золотой носорог-2011» в категории «Лучший сценарий ситкома» («Интерны»)

Примечания

Лауреаты премии ТЭФИ
Уездный город
Игроки КВН

redpajama_set_name: RedPajamaWikipedia


text:
Q: Error - 'English' object has no attribute 'add_label' I have trained on spacy's blank model with 5 entities and now I have made a new data with 2 new entities. On training on top of old model with 5 entities,
nlp.add_label(LABEL)

gives error:
AttributeError: 'English' object has no attribute 'add_label'
Spacy version : 2.1.4
Python : 3.6

A: You have to use add_label on the pipeline component (e.g. ner or textcat) - not on the nlp object. It's probably useful to read through the documentation in a bit more detail here.


text:
'Unique' expedition to assess impact of plastic waste on uninhabited island
Posted on April 2019 by Gary Moug in Headlines, Plastics
PACKAGING compliance scheme Valpak is to participate in an expedition to clean up 10 tonnes of plastic on an uninhabited Pacific island 'littered' with plastic waste.
Henderson Island, which is part of the Pitcairn group, is a UNESCO World Heritage site located between Peru and New Zealand. Up to 13,500 pieces of plastic litter are said to wash up every day.
James Beard, recycling services manager at Valpak, will be part of a 13-strong team which departs in June, spending four weeks in the Pitcairn Islands. The aim is to clear plastic from the beaches, monitor the impact of litter on local wildlife, and provide scientific data on the rate of plastic accumulation.
He said, "Henderson Island plays a unique role in showing the scale of the marine litter problem. Despite its isolation, it is estimated to contain 38 million pieces of plastic litter which have been swept into the South Pacific Gyre.
"It goes far beyond cleaning the beach, everything will be logged. We will be using bar code scanners to try to identify the source of the plastic pollution and Mandy Barker, the artist who is joining us, plans to photograph everything which is collected. We are also working to transform the waste plastic locally into a useful product."
The expedition has been made possible by a range of partners including global research and public policy organisation the Pew Charitable Trusts; the Pitcairn Island Government; and the UK's Blue Belt Programme. International specialists Dr Jennifer Lavers and Dr Alex Bond will be leading the science team.
James Beard added, "Plastic has become a cornerstone of our society because it is so versatile. However, it is also viewed as a cheap commodity, when it should be treated as something that is unique. Stopping plastic from entering the oceans is key, because once it starts breaking down into microplastics, cleaning it becomes much, much more difficult.
"The scale of the problem in such a remote location as Henderson Island helps to demonstrate that plastic litter is a global challenge. It is true to say that only a fraction of the plastics in the world's oceans originate from the UK, we still need to consider our responsibility. Designing plastic for recycling is the first step. We expect the litter on Henderson to have returned within six years; only a sea change in the way people use plastics will prevent this from happening."


text:
Osinbajo Travels To London For Meeting With Buhari
Acting President Yemi Osinbajo has travelled to London to meet with President Muhammadu Buhari who has been in the United Kingdom for over 60 days … Continue reading Osinbajo Travels To London For Meeting With Buhari
Acting President Yemi Osinbajo has travelled to London to meet with President Muhammadu Buhari who has been in the United Kingdom for over 60 days on a medical vacation.
Professor Osinbajo was said to have left late on Tuesday afternoon and is expected to return to Nigeria immediately after the meeting with the President.
The Senior Special Assistant to the Acting President on Media and Publicity, Mr Laolu Akande, confirmed the visit in a tweet around 7:30 pm.
AgP Osinbajo meeting with President Buhari in London today, and returning to Abuja immediately afterwards.
— Laolu Akande (@akandeoj) July 11, 2017
AgP @ProfOsinbajo meeting with President @MBuhari in London today, and returning to Abuja immediately afterwards.
— Presidency Nigeria (@NGRPresident) July 11, 2017
President Buhari had travelled to the United Kingdom for medical attention for the second time this year on May 7.
He spent 49 days in London during his first trip, returning on March 10 after which he revealed that he had never been so sick.
Details about Acting President Osinbajo's visit are sketchy, but no picture has emerged of the President meeting with anyone like he did during his first trip except for an audio message recorded in Hausa language wishing Nigerians a happy Eid-el-Fitr celebration.
The news of Professor Osinbajo's visit to London comes a day after the wife of the President, Aisha, posted a cryptic message, which went viral, on Facebook.
File Photo: President Buhari met with Professor Osinbajo on May 7 just before travelling to the U.K.
The Presidency has maintained, amid concerns about the President's health and criticism over the way it has been handled, that he is in safe hands and recovering fast.
Early last month, On June 6, the wife of the President, had returned to Nigeria with the news that the President was recuperating fast.
Mrs Buhari, who conveyed the appreciation of the President to Nigerians for their prayers, called on Nigerians to continue to be strong in the face of challenges and to support the Federal Government in implementing the agenda for which they were elected.
She also expressed the President's appreciation to the Acting President for his loyalty.
Nine days later, on June 15, the Minister of Information and Culture, Mr Lai Mohammed, had described Mrs Buhari's comments about the President's health as "the most authentic news" available at the time.
Aisha Buhari buhari's health buhari's health status
Student Critic Adamu Apologises To Aisha Buhari, To Deactivate Social Media Accounts
Alleged Defamation: Aisha Buhari Withdraws Case Against Student Critic Aminu
Alleged Defamation: Aisha Buhari To Testify Against University Student
Seven Dead In Shooting Outside East Jerusalem Synagogue
PDP Crisis: Atiku Riding On Our Success To Win In Oyo, Says Makinde
Gbajabiamila Meets EU Mission, Urges Fairness Among Election Observers


Our CAREGivers can work shifts ranging from a 3 hour minimum, all the way up to 24 hours. We service all of Ogle, Dekalb and Lee Counties as well as the Western part of Kane county. The Home Instead Senior Care® network of locally owned and operated franchises is one of the most trusted networks of home care worldwide. An innovator in eldercare since 1994, Home Instead Senior Care is dedicated exclusively to helping seniors stay in their homes as they age.


text:
The Macallan unveils new 77-year-old guest expression priced at £65,500
29 November 2022 By Eloise Feilden
The Macallan has introduced a new single malt whisky expression into The Red Collection – The Macallan 77 Years Old — the first guest release to be inaugurated into the range since its launch in 2020.
The single malt Scotch whisky brand's latest release dates back to 1945, making it among the world's oldest Scotch whiskies and one of the oldest bottlings ever released by the brand. With that legacy comes a hefty price tag, and each bottle in question is priced at £65,500 (US$87,000).
The bottle itself has been hand finished and signed by The Macallan Master Whisky Maker, Kirsteen Campbell.
Campbell said: "The Macallan 77 Years Old is an incredible new high aged guest expression for The Red Collection, which has been crafted from some of the world's oldest and rarest casks. It is a peerless single malt whisky that has slowly matured over seven extraordinary decades until it reached peak perfection.
The Red Collection was designed to highlight the significance of the colour red throughout the history of The Macallan. It features a curated selection of ongoing aged expressions and occasional high aged guest releases.
The Macallan 40 Years Old, The Macallan 50 Years Old and The Macallan 60 Years Old remain at the centre of the distillery's Red Collection. Available in limited quantities globally, they are the oldest ongoing expressions ever offered by The Macallan.
High aged guest releases have also been added from time to time, beginning with The Macallan 71 Years Old, The Macallan 74 Years Old and The Macallan 78 Years Old in 2020, now followed by The Macallan 77 Years Old.
In October of this year, the oldest whisky ever offered at auction, a one-of-a-kind version of the Macallan The Reach 81 Year Old, sold for £300,000 at Sotheby's in London – more than doubling the highest price paid at auction for very old whisky. Read more on that here.


text:
Nerdophiles
Ally Bragg Recap Review TV
12 Monkeys: Arms of Mine Recap
Ally Bragg
Synopsis of 1×13: Cole and Cassandra try for a final confrontation with the Witness, while Jones faces a new threat to the mission.
Rating: ★★★★☆
"It took time travel to create time travel…there are no straight lines, brother."
Or so says Ramse, making everyone's brains hurt, yet again.
12 Monkeys is consistently compelling, and by it's very nature constantly surprising. The finale of season one was no exception. It was a whirlwind of closing story loops and opening (or sometimes, reopening) others, all tracking back to the central theme of fate versus destiny and the myth of free will.
The most impressive thing was the way this episode mirrored the series premiere – by which I mean it literally flipped many of those same events on their heads. The inciting incident of the pilot, and really the story engine of the entire show, was how Cole's time travel always landed him back at Cassie's doorstep.
The first time they meet, he's shot by the police, only to reappear to her two years later, still bleeding as if it just happened. He's always been the chess piece, the one slipping in and out of time, without really belonging anywhere. Now, it's Cassie. Her world was already coming down around her ears, and after she and Ramse shoot each other in the final minutes of the episode, Cole uses the machine to send her back to Jones and save her life.
Bros across time and space. [SyFy]
This means that Cassie is now the time traveler – sent into 2043 in the midst of the rebellion, in the world Cole came from, and Cole is now stuck in her time without her, unable to time travel. It's a perfect reversal of where they started out.
This is significant both because they'll be forced to see the world, and the onset of the plague from each other's perspectives, and because, after finally finding some calm in the storm, they're once again ripped apart by the same obstacles that kept them apart, even though their places are reversed. Despite everything they've done, and how much change they've affected, they haven't really changed anything.
Also in terms of reversal, there's been a definite motivation and characterization shift for both Cassie and Cole. In the past few episodes, we've seen Cassie become much harder, less forgiving, and Cole become more understanding and less brash and 'savage' then when we first met him. This truly came to a head this week as we saw Cole reluctant and sorry about beating up Aaron for information on the investors. He was certainly angry and desperate, but he openly admits that he doesn't want it to be this way.
Perpetually saying goodbye. [SyFy]
Meanwhile Cassie stands to one side, her expression ruthless and vindictive. She used to love this man, but after everything, she's not sorry to see him hurt. This also makes me think that Aaron, always the moral compass and comforting voice of reason, is about to become the antagonist (I know he burned alive and everything, but can you say Disney Death? We haven't seen the last of him. I'd put money on it).
This means that his all-consuming desire to protect what he loves (Cassie) will ultimately be his downfall. A motivation that has always been altruistic, becomes selfish in the face of the end of the world. And it's ironic, because his great lengths to save her over everyone else, are the reason he ended up actually losing her. It's seriously messing me up to think about (and I love it).
In 2015, we find out that 'The Twelve' the Markridge investors have been referencing, are babies. Actual human babies, specifically, the babies that will grow up to be the Mysterious Blue People that everyone's favorite asshole Deacon, has just joined forces with to take over the machine in 2043.
Twelve is way too many babies. [SyFy]
The Striking Woman narrates that this was their ultimate design; that now Ramse will be found dead at the machine in 2015, where Cassie shot him, and Cole will run off and waste away into obscurity – that it was preordained, and their work could now continue uninhibited. As she says this, we see Cole stop fleeing the facility and go back for Ramse. Spitting in the face of fate. They leave the facility together in 2015 just as Deacon and The Twelve take it over in 2043.
This gives us our arc for season two – what does Markridge want with the machine, and why did they need to wait for the plague to wipe out the earth's population before doing it?
My favorite thing about this show has always been the Butterfly Effect. Nothing anyone does is meaningless, even if it seems that way at the time, and even though their actions may or may not actually change time. Cole doesn't know that it's 'written' for Ramse to die, he went back for him, because it was the right thing to do. But what changed?
If the Striking Woman was right about everything that's happened up until now, what's different in this timeline that made Cole go back when they already knew he didn't? And what does it mean for him to save Ramse when the biggest theme of the show has been that nothing can truly change time? Why does Jennifer Goines have the virus in her suitcase?!
Absolutely everything is fine and normal. [SyFy]
You can bet next season will address that, along with Cole's changing role in the revolution now that he's trapped in a time before the end of the world, and Cassie's role, now that she's thrust into the middle of the plague and the war between Jones, The Twelve and the West Seven.
And hopefully it will address Jones' final question: Now that so many years have passed, now that the world is starting to rebuild and even in the wreckage there are families and good people – even if they can find a way to turn back time and stop the plague from ever happening, should they?
Tagged in : 12 Monkeys 12 monkeys season 1 aaron stanford amanda schull arms of mine butterfly effect cassandra railly james cole syfy
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text:
Q: Header text added to XML POST payload in RobotFramework request Although I have created a header dictionary to pass to the POST method below, I am getting extra text in the XML POST body of my request.  I can see that the file I have created is getting to its destination and that the authorization headers are good. (The server is returning a "bad XML" error rather than a 404 or 401, so I know the request got there OK.)
The XML itself is fine, so the problem is with the header text being added to the payload.
How can I get RobotFramework to send only my XML payload?
Thanks
RobotFramework request
${result}=  RequestsLibrary.POST  my_session  ${requestURL}  headers=${headers}  files=${fileDictionary}

Extra text add to prologue of POST body that causes the XML parser to choke.    Alphanumeric string at the start and end along with extra header values.
--02f79864e37a402e8f70425edb9a9790
Content-Disposition: form-data; name="file1"; filename="file1"
Content-Type: application/octet-stream
<!-- XML Body -->
--02f79864e37a402e8f70425edb9a9790--

A: PEBKAC: Reader failed to parse documentation. First thing is that I should have been passing data= and not files= in this call. Second, I misunderstood the following statement in the docs for RequestsLibrary:
data a dictionary of key-value pairs that will be urlencoded and sent as POST data or binary data that is sent as the raw body content
Specifically, I didn't apply the word "or" to the right phrases. Just in case someone else missed it too, it's "(A dictionary of key-values pairs...) OR (binary data)." NOT "A dictionary of key-value pairs or (a dictionary of) binary data."
I was going nuts trying to figure out why you'd use a dictionary of binary data. Too much time in strongly typed languages I guess. The key is that you can pass a dictionary when your POST data is something like form data, or you can pass a string (which you may wish to assign via the OperatingSytem Get File command). Once I realized I should be passing just a string value, all was right in the world.
Thanks to Bulkan for setting me straight.


text:
HomeOther StoriesJohn Barnes piles praise for the Liverpool star
John Barnes piles praise for the Liverpool star
John Barnes piles praise for the Liverpool star. Andrew Robertson has been hailed as a "great servant" for the Premier League team by John Barnes, a former Liverpool player, and ESPN football analyst. Barnes emphasized Robertson's accomplishments on both sides of the field in a recent interview with BonusCodeBets, praising his inventive assists and solid defense.
According to John Barnes, Andrew Robertson is a superb player. Yes, he has been a fantastic source of creativity, similar to Trent Alexander-Arnold in terms of assists, but he has also been a fantastic defender, preventing goals and throwing crosses in. He is a full-back who plays defense.
Robertson has been a key contributor to Liverpool's recent success, and the attacking play of the club has benefited much from his ability to create crosses and set up goals. Barnes noted that Robertson's defensive play stands out, stating that it has been really important for him to stop goals against the Reds.
His assists are a plus for me, he continued. His all-around play and defending have both been excellent. So, even though you talk about his assists, I'm far more curious about how frequently he has prevented goals from being scored.
The former England international stated that he does not think it is appropriate to discuss the legacies of players who are still playing because they can still do more before retiring. But he went on to say that Robertson had served the Merseyside club as a "great servant."
"I'll never talk about people's legacies before they retire because, of course, you can win the league four or five times before you quit playing," he continued. He has been a wonderful player and a fantastic servant to Liverpool at this time.
Robertson joined Liverpool in the summer of 2017 on a long-term contract worth an initial £8 million from EFL Championship club Hull City. Since then, the Scotland international has been a consistent member of Jurgen Klopp's squad, amassing eight goals and a whopping 60 assists in 242 appearances across various competitions.
For more football news and the latest updates, keep following this space.
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2018 ICSA Annual Conference... a week after.
The 2018 ICSA Annual Conference in London was our first annual event, and definitely not the last one! Last week, the Cygnetise team attended the 2 day conference for company secretaries and governance leaders, which offered a great opportunity to connect with old friends and make new ones, access inspiring content and connect with fellow exhibitors.
We thank ICSA for having us and we are looking forward to the 2019 event! Check out the infographic below with some of the highlights from the event.
For photos of the event, visit the ICSA website.


text:
As First Presidential Debate Looms, A Look At The Landscape Of The Race
By Ron Elving,
Published August 2, 2015 at 3:09 PM MDT
ARUN RATH, HOST:
Get ready for the biggest week yet for the Republican presidential candidates. Seventeen candidates are now in the race. They'll all be on stage for their first debate on Thursday in Cleveland, but not all at the same time. NPR's Jessica Taylor is here to talk about what to expect. Jessica, can you explain how they're dividing 17 candidates between two debates?
JESSICA TAYLOR, BYLINE: So the top candidates are going to debate on "Fox News" Thursday night. The network has decided that the top 10 candidates in an average of the five most recent national polls will make the cut. The rest of the crop will meet in a debate earlier that afternoon. Now that's been an unpopular decision with many people. This early in the campaign, candidates are focusing on early states like Iowa and New Hampshire, and they're not campaigning nationally yet.
So a candidate may be doing better in one of the first primary states,, but still hasn't caught on nationally. Candidates who are on the bubble to make the main stage say that skews the odds toward Republicans with more money and name ID. That's why we've seen some candidates, like New Jersey Governor Chris Christie, make national ad buys, and other longer shot candidates who probably aren't going to make the debate stage, like 2012 runner-up Rick Santorum, go on national TV media blitzes.
RATH: So who then looks like they'll make the cut for the top 10?
TAYLOR: Donald Trump is still actually leading the pack, so he's going to be onstage. The other top-tier Republicans who will be in are former Florida Governor Jeb Bush, Florida Senator Marco Rubio and Wisconsin Governor Scott Walker. Next, we have Kentucky Senator Rand Paul, former Arkansas Governor Mike Huckabee, Texas Senator Ted Cruz and neurosurgeon Ben Carson, who look like they'll make the cut.
From there, it gets dicier. Christie and Ohio Governor John Kasich are very close in the average of polls. We're talking about less than a point difference that's still within the margin of error. Not far behind them is Texas Governor Rick Perry. Now, those three are battling for the final two spots.
RATH: Now, pundits have been predicting all the time, almost since he started running, that Trump was about to come crashing to earth, but his poll numbers, like you mentioned, keep - they're strong. What does this debate mean for him?
TAYLOR: This debate is his first real scrutiny. Can he withstand national attention when it gets into these on issues against other candidates. And remember, some of his issue positions in the past have really been more liberal on things like health care and abortion. That's because many contribute his current success to name ID and celebrity.
Bottom line for political junkies like me who do this for a living - we've been following these politicians for months or even years, but the average American voter hasn't. They may know some of the candidates, but this is a time when the would-be presidents can really shine or fall on their face. Many are hoping Donald Trump does just that and his bubble does burst.
RATH: Now, how bad is it - or is it that bad - to be in that second debate?
TAYLOR: As I like to say, nobody wants to be playing in the NIT Tournament when you could make the NCAA bracket. The other debate, which airs at 5 p.m. Eastern time Thursday on Fox, will be televised and feature the rest of the field who doesn't make the stage. But it's still not as big a platform as the main, primetime event at 9 p.m. Eastern. There could still be advantages, though. If the main debate turns into the Trump show, the second debate might actually be the most substantive. But if no one hears them, will it really matter is the question.
RATH: That's NPR's Jessica Taylor on the line from Washington. Jessica, thank you.
TAYLOR: Thank you. Transcript provided by NPR, Copyright NPR.
Jessica Taylor is a political reporter with NPR based in Washington, DC, covering elections and breaking news out of the White House and Congress. Her reporting can be heard and seen on a variety of NPR platforms, from on air to online. For more than a decade, she has reported on and analyzed House and Senate elections and is a contributing author to the 2020 edition of The Almanac of American Politics and is a senior contributor to The Cook Political Report.
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he Triggers tool allows oncologists to assess their patients' needs in this respect at a much earlier stage, and to potentially refer them to specialist palliative care alongside active treatment.
ESMO will soon publish a position paper on the need to integrate supportive and palliative care for patients, from diagnosis and throughout the course of the disease.
The study included 63 drugs approved by the US Food and Drug Administration (FDA) between 2006 and 2016 for 118 solid tumour indications, of which 54 (46%) were given orphan designation.
RANGE data presented at ESMO 2017 Congress Presidential Symposium and to be published in The Lancet.
Keytruda, though, is the only one of the lot with overall survival data to back up its case, and it's not for lack of trying from its rivals.
The primary endpoint of investigator-assessed progression-free survival was significantly prolonged with ramucirumab plus docetaxel compared to placebo plus docetaxel (4.07 months versus 2.76 months; hazard ratio, 0.757).
Mature results from KEYNOTE-045 confirm pembrolizumab significantly improves overall survival versus chemotherapy.
Results show encouraging results when ramucirumab is added to docetaxel in phase III RANGE trial.
Cabozantinib provided statistically significant improvement of progression-free survival, with a 52 percent reduction in the rate of progression or death compared to sunitinib.
Why a surprise? Because in August, the company unveiled mixed results from the same trial.
The combination also significantly improved overall survival in all randomized patients.
Overall survival and post surgical complication rates were better with deferred versus immediate cytoreductive nephrectomy while progression rates at 16 and 28 weeks were not significantly different between both sequences.
In CheckMate-214, combined nivolumab and ipilimumab shows considerable benefit in intermediate- and poor-risk patients with advanced or metastatic renal cell carcinoma.
Significantly, the immunotherapy combination caused fewer serious side effects than Sutent, lead researcher Bernard Escudier of the Institut Gustave Roussy in France said. He believes the efficacy and safety profile mean Opdivo plus Yervoy should become a new first-line standard of care for patients with advanced disease.
Patients diagnosed with melanoma, colorectal cancer, breast cancer stages I–III, non-Hodgkin lymphoma or leukaemia in 1985 to 2009, and alive in September 2015, were identified through the Cancer Registry of Norway.
"The new data from the LATITUDE clinical trial suggests that abiraterone acetate plus prednisone, in combination with androgen deprivation therapy, offers a much-needed efficacious treatment option for patients with newly diagnosed metastatic disease," said Dr Karim Fizazi.
Strong responses and significantly improved QoL were observed with 177Lu-PSMA617.
Prospective analysis reveals patients with mCRPC and germline mutations in DNA repair genes have a trend to poorer outcomes.
STAMPEDE head to head comparison of two beneficial combinations shows similar survival.
The results, based on analysis of data from the Cancer Research UK-funded STAMPEDE trial, show that standard hormone therapy combined with another hormone therapy called abiraterone (Zytiga) or a chemotherapy drug called docetaxel give comparable improvements in survival compared to standard hormone therapy alone.
Previously reported data show maintenance niraparib significantly improved PFS over placebo in patients with recurrent platinum-sensitive ovarian cancer.
Rucaparib delayed disease recurrence in the ITT population and across subgroups in ARIEL3 study.
An analysis of BRCA and the TP53 status in patients with ovarian cancer shows disruptive TP53 mutations associate with an overall survival benefit from olaparib treatment.
DCC-2618, a novel pan-KIT and PDGFRα inhibitor, shows encouraging antitumour activity in heavily pretreated patients with GIST.
Final results from the EORTC intergroup randomised trial.
Lower baseline VEGF, ANG2, and FGF21 serum levels showed a non-significant trend toward better outcomes with both drugs.
RAI administered after surgery for the treatment of WDTC associates with increased risk of developing leukaemia and AML development associates with a significantly poorer prognosis.
Biosimilar GP2013 demonstrated an equivalent overall response rate compared to the reference drug rituximab in the ASSIST-FL study.
Targetable oncogenic drivers of several tumours identified that may also associate with TKI response.
Patient experience according to HRQoL questionnaire does not mirror investigator toxicity reporting for many symptoms.
Comprehensive genomic profiling identifies varied genetic alterations in thymic gland carcinoma that may be treated with targeted and immunotherapy therapies.
Genomic variants identified by NGS of ctDNA that have clinical implications regarding choice of treatment.
Using information from national cancer registries, the study recorded 811 solid cancers in the women and showed that the ratio of abdominal fat to peripheral fat was a significant independent predictor of cancer diagnosis up to 12 years after baseline.
MAPS2 was an academic, Intergroupe Francophone de Cancérologie Thoracique (IFCT)-sponsored, non-comparative randomised phase II trial of two checkpoint inhibitors in patients with MPM who had relapsed after one or two lines of pemetrexed and platinum chemotherapy.
Conducted on behalf of Bristol-Myers Squibb, the study evaluated decisions by authorities in 11 European countries and Canada on anti-cancer medicines approved by the European Medicines Agency and Health Canada between 2006 and 2016 for six tumour types.
Approximately one-quarter of stage III lung cancer patients do not respond to initial chemotherapy and radiation. They're excluded from the PACIFIC study. Had they been included, the outcome seen with the Imfinzi and placebo arms of the study might have looked more similar, he says.
"The bar to filing/approval is typically much higher" in Europe than it is in the U.S., increasing the importance of positive overall survival data.
If Tagrisso can nab a first-line EGFR nod, it would move into earlier stages of treatment and expand its eligible patient pool, which is currently limited to patients with an abnormal T790M gene, after they've failed on other treatments.
AstraZeneca—which will be alone in the market for a good two to three year, Anderson predicts—is in prime position to benefit. The opportunity in the G7 markets tallies about 47,000 patients, he estimates.
FLAURA was a randomised phase III clinical trial comparing osimertinib to standard of care erlotinib or gefitinib as first line therapy in NSCLC patients with EGFR exon 19 or 21 mutations. The primary endpoint was progression-free survival.
Interim results from the PACIFIC Trial.
Soriot demurred on giving his own estimate of what that is worth, sticking with the company's ballpark figure of $1 billion-plus. But he also cited a market consensus that a win in this group could spur sales of more than $2 billion a year.
Overall, the patients derived more benefit from chemotherapy designed to treat NSCLC than from chemotherapy for SCLC.
Three-fourths of patients with previously untreated BRAF V600E–mutated NSCLC, receiving a combination of a BRAF inhibitor dabrafenib plus a MEK inhibitor trametinib, achieved complete or partial response or stable disease by investigator assessment and independent review.
The risk of progression was reduced with osimertinib compared to SoC in patients with advanced NSCLC and EGFR mutations.
Analysts believe using Imfinzi in so-called stage III lung cancer opens up an annual sales opportunity worth around $2 billion. Importantly, AstraZeneca has a lead of two to three years over rivals in this particular area.
Opdivo decreased the risk of disease recurrence by 35% compared to Yervoy.
The company also hopes to add to Opidvo's list of approvals, and moving the therapy into the post-surgery setting could add around $1 billion in potential sales, though some of that would come from patients who might otherwise have used Yervoy.
This new analysis centered on a cohort with advanced melanoma who had not been previously treated with immunotherapy meds in the PD-1/L1 or CTLA4 classes.
The study did not meet its primary endpoint of significantly reducing the risk of recurrence (disease-free survival; DFS) in patients with stage IIIC melanoma (cohort 2); however, a 46% reduction in recurrence risk was observed in stage IIC-IIIB patients (cohort 1).
COMBI-AD is the first clinical trial of targeted therapies for adjuvant treatment of stage III melanoma. All patients had a BRAF mutation – 91% harboured a V600E mutation and 9% had a V600K mutation, which is the typical distribution in clinical practice.
The finding represents an advance for so-called PDx drugs in treating cancer at an earlier stage, before it has spread around the body. At present, the use of such drugs, which help the immune system fight tumors, is confined to metastatic disease.
The findings suggest Novartis is gaining the upper hand in expanding its combination therapy's use against advanced, high-risk skin cancer for which there is a distinct risk of the potentially deadly tumors emerging elsewhere on the body.
Neoadjuvant treatment with letrozole/palbociclib provides low pathogical response rates but promising clinical results in luminal breast cancer.
ExteNET at 5 years demonstrates significant clinical benefit following one-year of neratinib administered after one year of trastuzumab-based adjuvant therapy.
In LORELEI, PI3K inhibition increased neoadjuvant letrozole efficacy in women with and without tumours harbouring a PIK3CA mutation.
Data from the REFLECTIONS B327-02 study demonstrates equivalence in objective response rate (ORR) for patients with HER2-positive metastatic breast cancer.
"We think there are going to be recognizable, concerning characteristics" among patients "for whom abemaciclib might be an interesting addition to the treatment armamentarium for oncologists treating breast cancer."
TIL levels in tumour samples associate with PD-L1 expression and pembrolizumab response in metastatic triple negative breast cancer.
Induction therapy with (low dose) chemotherapy or irradiation before nivolumab is feasible in triple negative metastatic breast cancer.
Improved progression-free survival seen in phase III, MONARCH 3 trial.
Where it gets troublesome for Eli Lilly, though, is on the side effect data.
NGS reveals potential genomic markers of recurrence in locally advanced TNBC.
The study (MONARCH 3) included 493 patients from 22 countries who had never been treated for metastatic disease. The primary endpoint was progression-free survival.
Abemaciclib, like Pfizer's Ibrance and Novartis's Kisqali, belongs to a class of oral medicines called CDK 4/6 inhibitors that block cancer cells' ability to divide and proliferate.
PD-L1 staining in patients' samples may be prognostic of survival in glioblastoma.
Updated safety results from CheckMate 143 support further study in patients with newly diagnosed glioblastoma.
Some heavily-pretreated patients derive clinical benefit from single agent pembrolizumab treatment.
Such analysis to measure what is known as tumor mutation burden (TMB) should lead to better targeting of medicines that have a typical list price of near $150,000 a year. It could also mean subgroups of patients with tumors where immunotherapy is not normally considered, like breast cancer, might get them.
Addition of SIRT to FOLFOX +/- Bevacizumab did not improve OS or PFS overall in patients with mCRC and inoperable liver metastasis.
Response Rate of 32 Percent Among Patients with Relapsed, Recurrent and/or Metastatic Cervical Cancer.
Patients receiving fosaprepitant added to palonosetron and dexamethasone showed less impairment of daily functional life due to nausea.
After a median follow-up of 58.5 months, the primary endpoint occurred in 30% of patients in the chemotherapy/surgery group and 23% of patients in the chemoradiation group.


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AFCA appoints new GC
By Jerome Doraisamy|26 November 2019
The Australian Financial Complaints Authority has hired a general manager from ASX for its newly created general counsel position.
Anna Campbell, who previously served as the general manager of enterprise compliance at the Australian Stock Exchange, has been appointed as the new general counsel for AFCA.
She previously held the role of deputy GC at ASX and was acting GC for Allianz. Earlier in her career, she worked in both the public and private sectors.
AFCA CEO and chief ombudsman David Locke said the appointment of Ms Campbell was an "important" one for the regulator.
"The role of general counsel is a pivotal appointment for AFCA. I am thrilled to welcome Anna and her depth and breadth of experience into AFCA," he said.
"Anna's cross-sector and regulatory experience, along with her knowledge of the financial services sector means she is exceptionally well placed to provide expert advice on complex legal matters, corporate governance and risk management to AFCA.
"AFCA will benefit greatly from her skills and experience and I am delighted that she has chosen to join us. AFCA now has a new senior executive team in place and is very well placed to deliver on our goal to provide a world-class ombudsman service and consistently provide fair outcomes to our members and consumers."
Ms Campbell added that she was "energised to be joining AFCA at a time of change", both within the organisation and the financial services landscape.
"AFCA operates in a complex and changing environment, and the functions of corporate governance and risk are more important than ever. I am excited about the challenge and look forward to shaping the way AFCA delivers its legal and compliance functions," she said.
Last Updated: 26 November 2019 Published: 26 November 2019


Need to make a Great Escape? Need some time with women who can relate? Welcome to Mom Space! The perfect night out for the busy Mom.
We are so excited to have Sahar Rizvi, Owner and Founder of Whole Being and Cleveland Masala with us this month. Sahar is a Holistic Health and Nutrition Coach working to help individuals improve their health in a simple and attainable way. She is a Mom of 2 boys and her rescue dog, Layla. At Cleveland Masala, Sahar offers Indian and Healthy Cooking classes and will share her passion and knowledge with us. Guests will learn about the origins and traditions of spices and have the opportunity to sample soups, masala chai, and some vegan snacks. Sahar received her training from The Institute for Integrative Nutrition. She is passionate about sharing her personal story along with all she has studied in hopes of empowering others to transform their relationship with food, their body and their health. She combines the best of nutritional science with age-old healing techniques from the East. So come hungry, bring a friend, and join us for a night of good food and conversation with other Moms.
This Mom Space will be an evening of connection, delicious food, shopping and networking with other Moms.
8:30 - 9:00 - Wrap up, make sure you exchange numbers with the great people you've met!
Relax & unwind all while having a Great Time! We look forward to seeing you at Mom Space. Reserve your ticket today.


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Tag Archives: kids language course
Spanish by Middlebury Interactive Languages Review
My 8th grader is plugging right along learning in a Spanish Course from Middlebury Interactive Languages.
Middlebury Interactive Languages
Middlebury Interactive Languages curriculum currently offers training in four language Courses: Spanish, French, Chinese, and German. Each course is offered at various age and skill levels from grades K through 12th grade. Each course is a semester long, and can work progressively with the previous course taken. The info graphic below shows the courses offered by grade levels in each language.
Spanish 1 Course And How We Used It In Our Home:
We were given a semester (6 month subscription) to Middle School Spanish 1 Course, grades 6-8, by Middleburry Interactive Languages for the purpose of trying it out and writing an honest review.
Middle School Spanish 1 is an interactive beginning Spanish language course designed for students in grades 6-8. It retails for $119 per semester. It is designed to efficiently teach the four key language skills: listening, speaking, reading and writing. The course is aligned to national standards as set forth by ACTFL (the American Council on the Teaching of Foreign Languages).
Using authentic native speaking materials and situations to apply the language helps to motivate kids and build their confidence. Spanish 1 uses multimedia activities, various exercises, vocabulary, grammar and sentences, conversations.
Kids are self motivated to learn. Kids are introduced to life in Spanish-speaking countries, such as history, food, and literature, conversations, and this helps to cultivate an appreciation of the Hispanic world. Spanish 1 utilizes guided learning to help students acquire language proficiency. Successful completion of Middle School Spanish 1 provides a solid foundation for future Spanish learning and travel to Spanish speaking countries.
My son practiced everyday for the past six weeks on the program. He really likes it and will definitely continue on and finish the course. There are a total of 90 lessons for the whole semester. The goal was for him to complete a lesson a day, but he did not always complete the full lesson at each sitting, and sometimes the lesson carried over into the next day. It is challenging for him and I am pleased with his progress and motivation to keep going.
When he logs in, he gets a list of options on his dashboard for each lesson. He can listen to the computer speak in Spanish, practice warm ups, listen to the native speakers, learn the alphabet and pronunciation of each letter, practice speaking, record your speaking and compare it to the native speakers, various grammar skills, flash cards, conversation, and so much more.
He can view his lessons from a calendar format, table of contents format, or just simply when logging in the dashboard shows him the next lesson. That is how he usually accesses his lessons and keeps track of his progress. He does have to remember to click the submit button at the top right corner of the page after each portion of the lesson for it to record his answers and progress.
Did you know that 40 countries around the world speak Spanish, and that the Spanish language is second in line for the most native speakers, second only to Chinese? Wow, growing up in the USA and speaking English only, without exposure to other languages, one might never know that English is not the dominant language in the world. One thing that is really cool about this language learning program that it takes you on a virtual journey to other countries and cultures to immerse your learning process in the language you are studying and prepares you to travel to distant lands and speak with native speakers if you desire to do that.
Here is an introductory video to Middle school Spanish Courses through Middlebury Interactive Languages:
Here is a student talking about how learning Spanish through Middlebury Interactive Languages program prepared him to take a trip to a Spanish speaking country and immerse himself in the language and culture.
Be sure to check out Middleburry Interactive Languages media links for all the latest updates and news:
Facebook: https://www.facebook.com/pages/Middlebury-Interactive-Languages/141015515949753
Twitter: http://twitter.com/MiddInteractive
Pinterest: http://www.pinterest.com/middinteractive/
Google +: https://plus.google.com/b/110371351490550861545/110371351490550861545/posts
Be sure to check out what other families on the Schoolhouse Review Crew had to say about these great language curriculum products from Middlebury Interactive Languages.
This entry was posted in Middlebury Interactive Languages, TOS Crew Reviews and tagged Chinese, digital language courses, digital language learning, foreign language learning, French, German, kids language course, kids language learning, Middlebury Interactive Languages, online language course, second language acquistion, Spanish, world language learning on October 23, 2014 by Melinda Weiser.


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Debt.com » News » Carl Started Saving Money at an Early Age
Carl Started Saving Money at an Early Age
He was a born saver and hustler — even if it meant cleaning up poop.
By Brian Bienkowski
Carl from 1500 Days to Freedom started working for money at an early age. He lived in the suburbs of Chicago with parents that stressed hard work.
Carl says, "There were no handouts; if I wanted something, I had to earn my own money to buy it. No exceptions." And although his parents didn't teach him much about money, they provided him with an opportunity to earn.
"My parents gave me a list of chores to do," recalls Carl. "I mowed the lawn, trimmed the hedges, took out the trash and picked up dog poop, all for $2 a week. My parents got a great deal, but I felt rich after saving up my money."
When it snowed, he walked the neighborhood cleaning off driveways for a few bucks. He also delivered papers. Carl hustled. He continued saving and hustling during high school. Although he did admit making one financial mistake: He bought a car that ended up being a "money and time pit."
But Carl's financial habits stayed mostly true. "I didn't spend my money the moment it came in," says Carl. "I remember debating for months whether to purchase a stereo. My younger sisters laughed at me. They started calling me "Mr. Cheapo." That annoyed me back then, but now I consider the nickname a badge of honor."
When Carl attended college, he told me he experienced a financial epiphany. He and his girlfriend at the time attended a money management seminar. Carl noticed most people attending were over 50, but when the instructor started discussing investing techniques, "he locked eyes with me and said: 'Your advantage is your youth. Start investing now.'"
Carl graduated in 1998 and started working as a software developer for a large retailer. He also started investing and remembers working with a lot of young people making good money — but spending it just as fast. He told me a great story. His manager just bought a new BMW. Carl drove a 1991 Honda with 200,000 miles on it. This is how the conversation went:
Manager: Carl, you should really get a new BMW, too.
Carl: Why? My current car works fine.
Manager: You're single and you need to demonstrate that you have money if you want to get married.
Carl didn't take her advice — and didn't need to.
The consumerist mentality
Carl married in 2002. He and his wife owned a small home. They made some small improvements and ended up selling the home for a $100,000 profit. He says, "We never planned on being home flippers, but the money was too good to resist. After that, we started buying solid, but cosmetically ugly homes. We fixed them up while living there and then sold them two years later."
Carl always thinks about making and saving money. But that mentality differs from the mentality of many other Americans. He believes too many people spend haphazardly — all because they desire luxurious items.
"Commercials tell us that leather seats, large homes and fancy purses will make you happy," says Carl. "They will, but the happiness remains shallow and fleeting. Having financial security is much more satisfying, and when you gain financial freedom, it provides you with the ultimate luxury — personal time."
Carl started his blog on January 1, 2013. "My only goal at the time was to create an online journal documenting my journey to financial independence," says Carl. "Now that I've achieved my goal, I hope to inspire others to do the same."
With that in mind, Carl provided his three top money management tips:
Record and review all purchases: Seeing how much you spend every month is enlightening. We were surprised when we saw our spending and it caused us to change our behavior.
Always think of the opportunity cost of a purchase: The stock market has historically returned about 10 percent with dividend reinvestment. This means that your money doubles about every 7 years. If you're 30 and invest $20,000, that money will be worth about $640,000 by the time you're 65. Would you rather have a new car now or $640,000 later?
Find your level of Enough: If your car works fine, you don't need a new one. Why can't a starter home be a forever home? Find your level of Enough and stick to it.
Take Carl at his word and start working toward your own financial independence.
Did we provide the information you needed? If not let us know and we'll improve this page.
Brian Bienkowski
Brian Bienkowski has been writing about personal finance for over 15 years covering debt recovery, fraud, and credit topics. He has worked on several personal finance books and guides that help consumers navigate the US credit system. When he's away from the keyboard he enjoys craft beer and fishing – and once enjoyed a cold Sweet Water IPA after catching a sailfish.
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