Blackstone President Tony James today announced his support for a Retirement Savings Plan at the Center for American Progress (CAP) event, "Creating Long-Term Value." The Retirement Savings Plan seconds my call for creating Guaranteed Retirement Accounts (GRAs). James' statement (in full below) was covered by Pensions and Investments and CNBC.
"The theme of today's conference is short termism. While America can deal with short term crises pretty well sometimes, when it comes to intractable long-term problems, we are hopelessly short-sighted.
So I want to talk today about a huge, looming problem that almost no one is focused on. There may be no bigger challenge today than fixing our broken retirement system. The problem isn't with current retirees or people my age who are nearing retirement. It is with people in their 20s and 30s. Most of these young people no longer have access to pension plans and have to depend exclusively on personal savings and anemic 401ks. All at a time when they are struggling with years of stagnant incomes in real terms and have student loans to pay off. As a result, they are increasingly dependent solely on social security. But Social Security will not provide enough income for people to maintain their standard of living in retirement. And it is not just an issue for low and middle income workers. Inadequate savings and retirement worries are shared by many who are thought of as having high incomes but stop short of being rich. In other words, it cuts across society. If we don't do something about it, when an entire generation – maybe two generations - retires at 65 and doesn't have enough to live on, we are going to say "Oh my God, what happened?"
The good news is, we can solve this problem. And we can do so relatively painlessly, with manageable burdens on everyone. But we have to start now. If we let this problem linger, it will tear a hole in our social fabric. 30% of Americans will not have enough savings to maintain their standard of living and 15-20 million additional retirees will be poor or near poor - poverty rates not seen since the Great Depression. And our aging demographics mean the burden will fall crushingly on a shrinking group of young workers.
I believe we need to take our current Social Security system as a given and build on that. But Social Security alone is not enough. Most experts advise targeting a 70-80% replacement rate in retirement to have adequate income. Social Security provides 40 points of that, so retirees need to accumulate another 35% from other savings. The problem is most Americans cannot, have not and will not save that much. The average balance of retirement savings in America today of people between 40 and 55 is only $14,500. For people 55-65, the median balance is only about $80,000. For a person in their mid-60s, that would provide income of only about $2000 per year for the rest of their life. They really need 6 or 7 times this amount of income and underlying savings!
Roughly 15% of workers today, mostly government employees, are fortunate to have a defined benefit pension plan. Even with the chronic underfunding of state pension plans, beneficiaries are generally in good shape. Of the remaining people working in the private sector, about 60% have access to a corporate sponsored 401k plan.
But up to one-half of employees don't take full advantage of these plans. In addition, they contribute too little, withdraw funds too early, and earn sub-par investment returns on their savings. The cumulative effect of these problems is that 401k plans can't work as a foundation for retirement. Still, 401k participants are better positioned than the other 40% of private sector workers that have no retirement plan at all. In short, our current system is a hodge podge of inconsistent programs that are simply not capable of providing basic retirement security for the American people.
I'd like to offer a fundamentally different approach, which I have had the pleasure of working on with labor economist Teresa Ghilarducci. I call it the Retirement Savings Plan. Under the Retirement Savings Plan, everyone who works without a pension plan, no matter how little or how much they make, from Uber drivers to CEOs, would have their own Guaranteed Retirement Account. We would simplify our current patchwork system by rolling everything else into it, 401k, IRAs, Keogh plans, etc. How can we make this happen? There is really no alternative. It has to be mandated. I know that can be a politically loaded word these days, but I assure you that nothing short of a mandate will provide future generations of Americans enough income for a secure retirement.
The Retirement Savings Plan will. Social Security represents a savings of about 12.5% of an average worker's income. To get retirement safety we need them to save another 3% each year - if it is invested correctly and earns a return for the retiree. (Unlike Social Security, which of course is not actually funded.) This is a much smaller gap to fill than most people assume. To make this 3% savings contribution affordable, I propose it be split evenly between workers and their employers. 1.5% each. Right now, the government spends $100 billion per year by allowing deductions of retirement contributions. This hasn't helped the retirement crisis at all. Because it is a deduction against income, it only benefits the most affluent Americans who already have enough retirement savings, and it is unavailable to the poorest who desperately need the help. Instead, I want to take that same money and give every individual worker, rich or poor, a government tax credit equal to their retirement contribution, up to a maximum of $600 per worker per year. The net effect on the government deficit is zero. $600 will fully defray the cost for people earning up to $40k per year. For a medium income family earning $45k, the annual cost of the plan would be only $75 per year. And their money isn't going anywhere. It is safely in their own retirement account and they will benefit tremendously in the long run.
For employers, the 1.5% of wages will be offset, to a greater or lesser degree, by their no longer having to contribute to and bear the administrative costs of 401k or other retirement plans. Their obligation to contribute (and the employee's) would be capped (as in Social Security) at 1.5% of only the first 250k of compensation for high earning employees.
With corporate profits at an all-time high in relation to GDP, this should be a manageable burden, and it will forestall the need for higher corporate taxes down the road.
Now that we have established and funded the Guaranteed Retirement Accounts, we come to the next critical component of the Retirement Savings Plan. The capital in people's Guaranteed Retirement Accounts must work harder. It has to be invested well in pooled plans run by professional investment managers and earn a solid return, just like pension plans do. The structure of today's 401k plans makes this impossible. They are required by law to be invested in ways that force excess liquidity, with short-term investment horizons and lots of volatility. Beneficiaries are supposed to choose from a narrow selection of managers and don't have the expertise to do so. And the administrative costs are high.
Where defined benefit plans expect to earn 7-8% annual returns, 401k accounts typically earn only 3-4%. For a 25 year old who puts aside $1000 per year, that's the difference between $75,000 and $200,000 when she retires at age 65! Managing the Guaranteed Retirement Accounts in a pooled fashion is good for a few reasons. First, when you pool your investments, you can leverage that scale to pay lower fees. You'll also have access to highest quality, private sector asset managers who would compete with each other to get you the best return. These investment strategists would be able to adopt long-term investment horizons that are actually appropriate for retirement funding. They could invest in less liquid, higher return asset classes, like Alternatives – real estate, managed futures, commodities, and the like. The beauty of investing more effectively is that the higher return funds a big part of the retirement gap and doesn't cost anyone anything! To the contrary, it encourages long-term capital formation and longer investment horizons which benefits the whole economy by fueling growth and getting away from short-termism in the markets.
In addition, I propose that the Federal government guarantee a minimum annual return of 2% for all retirees on their Guaranteed Retirement Accounts. This would eliminate the risk of market volatility for people unlucky enough to retire at the wrong time and give people confidence in contributing to their retirement accounts. Better yet, it can be essentially costless for the government because the accounts are extremely likely to earn comfortably more than the 2% guarantee over the long term.
The third leg to the stool is helping people make the right choices with the accumulated GRA balance when they retire and, perhaps more important, helping them avoid the tendency to do the wrong thing. People are living longer and retiring earlier. They have a lot more years in retirement. Since 1950 the average years in retirement has increased by five years, from 14 to 19 years. This means that retirement savings have to last for longer than ever. Most people aren't able to plan for that because they don't have the expertise to invest and annuitize it properly. And since no one knows how long they will live, we're essentially rolling the dice and hoping our retirement savings last long enough. But with GRAs, there's a clear way to fix that, too. When someone retires, their accumulated savings would be automatically annuitized as part of the overall pool and they would get a guaranteed amount every year for the rest of their life. A pooled system makes this possible, because you don't just pool your savings – you pool your risk of running out. In this case, we're essentially insuring against outliving our retirement savings. Few of us will live to 110. But those of us who do should be able to count on a continuous standard of living for their whole lives – instead of worrying, right up to the end, that we might not have enough. Making these annuity payments and tracking the GRA balances and inflows would be done through the existing Social Security infrastructure. No new government agencies or apparatus are required. It should be a relatively simple add-on to what is being done already. And with more assets under administration, costs per person should actually decrease.
Finally, I think we should help give older Americans the choice and the incentive to work longer, if they so desire. Accumulating more savings by working longer and shortening the retirement period has powerful effects on financial security for retirees. And for many, working longer has health and emotional benefits. We could facilitate this by making Medicare the primary health coverage for anyone over 65, even if they are still working. Medicare would pay this anyway if they retired, so incremental cost to the government should not be significant. That way, employers who pay health insurance will get a large break on their insurance cost for every employee past Medicare age. Instead of paying about $25,000 for an older worker's health insurance costs, the employer would pay something around $3000 or $4000 for a Medicare supplement. That's a significant incentive for them to keep older employees on the payroll longer. As for the employee, I would give them an incentive by doubling the credit for Social Security and GRA contributions they make in any year worked over the age of 65.
We know a system like this can work – because we've seen it work all over the world. Broadly similar plans have been adopted in countries like Australia and Chile – and every time they've been implemented, they've worked as promised. In fact, they haven't just provided retirement security, they've helped drive overall economic growth and significant capital formation. These steps will allow millions of individuals to have a stronger, more stable retirement. And that's not just good for retirees. It's good for their families, our communities, and our nation's economy as a whole. Achieving retirement security is going to require us to look beyond the next election cycle – beyond the next fiscal quarter – and toward the stronger nation that we can build together."


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Home » Movies » Warner Bros to Give Talent of Films Released on HBO Max an Upfront Fee
Warner Bros to Give Talent of Films Released on HBO Max an Upfront Fee
Posted on January 10, 2021 | by Kaitlyn Booth | Comments
A lot of things happened in 2021 that upended the movie industry. The ongoing COVID-19 pandemic forced movie studios and theaters to finally come to terms with the fact that they needed to talk about the streaming question. They were woefully unprepared for that, which is why it took so long for someone to figure out a solution. Some studios, like Universal and Sony, decided to just delay everything a year and hope that 2021 was better. Like Disney and Warner Bros, others turned to streaming and their own streaming services to try and make up the difference. Warner Bros. decided to release Wonder Woman 1984 on HBO Max and in theaters at the same time and move their entire 2021 slate to hybrid releases. To say that this has caused an uproar would be a gross understatement. Warner Bros. has spent the last several weeks trying to placate talent angry about this change and even possibly having legal action taken against them by Legendary.
HBO Max Logo
One of the reasons this is such a big deal is the way that movies pay people. There is the upfront payment that talent gets and residuals that come from the box office. There is no denying that the HBO Max rollout will impact the box office, thus lowering people residuals. They dealt with Wonder Woman 1984 by giving talent $10 million upfront, but that sort of deal was not worked out with the other 2021 movies. It sounds like that upfront fee could be part of the norm going forward. According to Bloomberg, the new plan at Warner Bros. and HBO Max are to give all talent whose movies are opening on HBO Max and theaters an upfront fee.
Here's how it will work, according to the people familiar with the situation: When movies come out this year, anyone entitled to a bonus will receive one at half the box-office revenue that would normally be needed to trigger a payout. And if more theaters close down, the threshold will fall further — a stipulation called the "Covid-19 multiplier." Those who would normally participate in profits from box-office receipts will continue to do so, as well as benefit from on-demand and online sales.
HBO Max will pay Warner Bros. a fee for its 31-day window, and the money from that will be shared with not just profit participants, but cast and crew. Both businesses are part of AT&T Inc.'s WarnerMedia, run by streaming veteran Jason Kilar.
So Warner Bros. will spend a month giving talent essentially bonuses for their movies being on HBO Max with the thought perhaps being that the box office will get a boost once that 31-day window is over. However, there is a decent chance that that won't happen. People who are loyal to movie theaters will go see movies like Dune or The Suicide Squad in theaters, but it's repeat viewings that will hurt the most. Some people will want to see the movie a second time at theaters, but plenty of people got their theatrical experience, and now they just want to rewatch their new favorite movie without needing to worry about brushing their hair or wearing pants. Will someone go back to the theaters after 31 days? Sure, but the market is so saturated and going to be even more saturated in 2021 that you have to wonder if anyone is going to be rewatching movies at all.
The first of the 2021 Warner Bros. and HBO Max hybrid release is The Little Things, and it comes out later this month. We'll have to see how things develop as the year goes on. The report seems to say that Warner Bros. is still saying that this will be a one-year thing that they are only doing because of COVID-19 but who knows. If they manage to find a way to make back their money and placate talent, this could be the new normal no matter what Christopher Nolan has to say.
About Kaitlyn Booth
Kaitlyn is the Editor-in-Chief at Bleeding Cool. She loves movies, television, and comics. She's a member of the UFCA and the GALECA. Feminist. Writer. Nerd. Follow her on twitter @katiesmovies and @safaiagem on instagram. She's also a co-host at The Nerd Dome Podcast. Listen to it at http://www.nerddomepodcast.com
Posted in HBO, Legendary, Movies, Warner Bros | Tagged hbo max, legendary, movies, Warner Bros
Bookstores Saw Graphic Novels Sales Increase By 29% In 2020

redpajama_set_name: RedPajamaCommonCrawl


Black vinyl - straight from the plant.
Includes unlimited streaming of Band Of The Future via the free Bandcamp app, plus high-quality download in MP3, FLAC and more.
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Lil X's improbable leap to superstardom was riddled with unexpected turns along the way. In the process of garnering top honors on Billboard's country chart on a technicality, then losing that distinction over another bogan technicality, Lil Nas X could have easily folded and set up shop on hip-hop's Klondike Trail, but he persisted anyway.
While a social media regarding "Old Town Road" socio-cultural change (lol, yes), Lil Nas X kept with his steady incline on the other more generalized Billboard charts. Best of all, Nas X, a signed artist at this point, kept the Billy Ray Cyrus out of view until he was ready to go live with it.
Sure, Billy Ray crushes the remix, arguably even steals the show, ( Miley that's not how ownership privileges works). But the real treat here is the manner in which Lil Nas he'd lost when the bureaucrats started yapping for reforms. Besides the fact the "Old Town Road" is a masterclass troll, it's legitimately more "country" than anything else in the current Top 10.
But who am I to blow against the wind… such a prognosis is outside of my realm of expertise. What I do know however is that "Old Town Road" is about to smash the single-week streaming record garnered by for "God's Plan." The record stands at 127,000 spins. As of Friday, Lil Nas X's remix + original were sitting at 125k collectively. You do the math.


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Bush Will Offer Relief for Some on Home Loans
STEVEN R. WEISMAN
The plan comes at a time of growing attacks from Democrats who say the president has remained on the sidelines amid anxiety over the mortgage crisis.
WASHINGTON, Aug. 30 — President Bush, in his first response to families hit by the subprime mortgage crisis, plans to announce several steps Friday to help Americans who have credit problems meet the rising cost of their housing loans, administration officials said Thursday.
The officials said Mr. Bush would call for the Federal Housing Administration to change its federal mortgage insurance program in a way that would let an additional 80,000 homeowners with spotty credit records sign up, beyond the 160,000 likely to use it this year and next.
The administration is offering his plan, which will include what one official called jawboning of lenders to persuade them not to foreclose on some borrowers, at a time of growing attacks on Mr. Bush from Democrats who say he has remained on the sidelines amid increasing anxiety over whether millions of Americans could end up losing their homes. Other elements of the plan would need legislative action, requiring Mr. Bush to win over the Democratic leadership in Congress.
Administration officials, who asked not to be identified, briefed a handful of news organizations on the proposals to be announced by Mr. Bush at an appearance in the White House Rose Garden on Friday morning.
The main objective of the package, one senior official said, is not to affect the stock markets but to help low-income homeowners, many of them concentrated in certain neighborhoods in several distressed areas of the country, such as Ohio and Michigan.
"The primary focus is to help individuals who have an opportunity to stay in their homes to stay in their homes," this official said. "The subprime mortgage situation is having a crushing effect on a lot of communities right now."
Despite the assertion that affecting the markets is not the goal, one administration official said Thursday evening that concern about Wall Street's reaction did affect the timing of the briefing. He said there was a fear that if the White House announced in the morning that Mr. Bush would be making an announcement on housing, there could be confusion as buyers and sellers of mortgage securities guessed what the announcement would be.
But secondarily, this official said, helping homeowners keep their homes and refinance or renegotiate the terms of the mortgages could have a stabilizing effect on the financial institutions that have these mortgages in their portfolios, and help them write down the value of the mortgages or sell them off at a loss.
"You can't solve the problems in the financial markets unless you can make some progress on the retail end of it," said this official. "This is also a step to get banks to start loaning again."
Another factor in the decision to disclose details ahead of time was that Ben S. Bernanke, the chairman of the Federal Reserve, was planning to give a speech on housing on Friday at the Fed's annual conference in Jackson Hole, Wyo., and that speculation about his comments would also unsettle the markets.
As they put together the proposals, top administration officials consulted with financial institutions, some members of Congress, housing counseling groups, academic specialists, and also with Mr. Bernanke.
Several other steps the administration plans to announce involve seeking legislative changes. Mr. Bush, for example, is expected to endorse proposals backed by Democrats in Congress that would raise the ceiling on the amount of a mortgage that can be refinanced with federal insurance.
He is also expected to support legislation that would provide tax breaks to homeowners whose mortgage debt is forgiven, in whole or in part, by lenders. The federal government currently collects taxes on the amount of a loan that is forgiven.
Democratic presidential candidates and Congressional leaders have hammered the administration in recent weeks, charging Mr. Bush with indifference to the plight of an estimated two million homeowners whose mortgage costs are expected to go up in the next year and a half.
These two million mortgages, all held by homeowners with credit problems and with homes that are declining in value, are valued at $500 billion to $600 billion, administration officials said. The total value of American mortgages is about $10 trillion.
Many of these homeowners are lower-income families caught in the squeeze of variable-rate mortgages whose cost is expected to soar in coming weeks and months. With their home values declining, many are considered likely to default, possibly adding to the global turmoil in the financial markets. The administration officials who briefed reporters sought to underscore Mr. Bush's willingness to work with Democrats, an unusual display of bipartisanship from an administration that has tangled with Democrats on many economic and budget issues.
The administration's legislative proposals are likely to be similar to bills that Congressional Democrats have proposed, but there is still room for considerable argument over details. In general, the administration wants home buyers to pay for any measure that might help them, and Democrats want measures that provide extra help to people with low or moderate incomes.
But administration officials said they would continue to oppose one measure that Democrats strongly endorse: an increase in the total dollar value of mortgages that Fannie Mae and Freddie Mac, the government-sponsored housing-finance companies, can hold in their investment portfolios.
Until now, Mr. Bush and his top economic advisers, particularly Treasury Secretary Henry M. Paulson Jr., have focused on the broad prospects of the American and global economies and the disarray in financial markets.
Two weeks ago, when asked about the problems of mortgage holders, Mr. Bush said that many Americans struggling with their mortgages had failed to read the fine print on the loans.
But some in the administration and some Republicans are also concerned that there has not been enough talk from Mr. Bush about lower-income homeowners. These Republicans have said the administration's response so far is reminiscent of its initial delays in relief after Hurricane Katrina two years ago.
The plans to be outlined by Mr. Bush are to be in the form of administrative actions taken unilaterally and proposals for enactment by Congress, many of them already in various bills sponsored by leading Democrats.
Among the Democrats with such proposals are Representative Barney Frank of Massachusetts, who is chairman of the House Financial Services Committee; Senator Christopher J. Dodd of Connecticut, chairman of the Senate Banking Committee; and Senator Charles E. Schumer of New York, chairman of the Joint Economic Committee.
One senior official said, however, that the administration would encourage Fannie Mae and Freddie Mac to help low-income holders of subprime mortgages refinance or renegotiate the loans, rather than lifting the companies' investment limits.
Mr. Frank has said that the administration is ideologically opposed to letting the two mortgage agencies play a role in assisting homeowners in the current crisis, but the administration official said that was a misconception.
Mr. Bush also plans to enlist Mr. Paulson and Alphonso R. Jackson, the secretary of housing and urban development, to consider regulating home-lending practices in the future to crack down on predatory practices. In addition, they are to study the role of credit-rating agencies, some of which have been accused of giving unrealistically positive ratings to packages of mortgages, which were then acquired by hedge funds and other institutions.
One official said the administration's proposals would not include a bailout of institutions that bought mortgages that have plummeted in value.
"We are not using the b-word," he said, referring to the talk of bailing out lenders.
One economist said the efforts seem well intentioned. The F.H.A. can help provide another option to homeowners who need to refinance, and the government should do what it can to encourage mortgage companies to modify loans, rather than foreclosing on them.
The administration could also help homeowners in higher-priced markets by temporarily raising the $417,000 limit on loans that Fannie Mae and Freddie Mac can buy from mortgage companies, said the economist, Thomas Davidoff, an assistant professor at the Haas School of Business at the University of California, Berkeley.
But he noted all the efforts would likely only have a limited impact, given the number of loans resetting to higher interest rates in the coming months.
"This is helpful. But you had millions of people taking loans they should not have been taking, and investors lending money at too low interest rates," Mr. Davidoff said. "Nothing is going to make those bad decisions go away."


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Canada, First Nations - 1 de julio de 2021
Calls To Cancel Canada Day As Nation Reels Over Indigenous Children Mass Graves
In response to recent discoveries of unmarked graves at three former residential schools, thousands gathered on Parliament Hill to demand "Cancel Canada Day". Thousands of people, many wearing orange shirts, shouted "Shame on Canada", "No pride on genocide," and "Bring them home". People across Canada have shown solidarity and all First Nations communities have organized multiple vigils, memorials, and protests honouring the child victims of the church run residential schools. Governments have promised to help Indigenous groups search for more victims. The findings of the Truth and Reconciliation Commission (TRC) suggest additional bodies will be found. Some experts say, the number of bodies remaining to be found could be in the thousands.
Who organized the protest at Parliament Hill?
The Anishinabek nation and Idle No More organized the "#CancelCanadaDay" march as a way to "honour all of the lives lost to the Canadian state." In a statement on Facebook the human rights group said, "We will not celebrate the ongoing genocide within Canada against Indigenous people ... Instead we will gather to honour all of the lives lost to the Canadian state, including the many lives lost to residential schools." The Anishinaabek Nation is encouraging people to wear orange on July 1 to honour the memories of those who died or went missing at Catholic church-run residential schools. The orange shirts became a symbol of the protest movement after testimony of residential school survivor Phyllis Jack Webstad. She told her story of being forced to remove the new orange shirt her grandmother had bought her on her first day at St. Joseph Mission Residential School.
How are Canadian's reacting?
Canadian flags continue fly at half-mast nationwide in recognition of the discovery of children's remains at residential schools ran by the Catholic Church in Saskatchewan and British Columbia. Last week, a memorial started on Parliament Hill following the discovery of 751 unmarked graves at a former residential school in Saskatchewan. The memorial in front of the Centennial Flame includes shoes, stuffed animals and messages. Canada Day events have been cancelled across multiple cities for a second straight year due to the COVID-19 pandemic restrictions. This year many Canadians are choosing to use Canada Day as a day of national self-reflection and recognition of Indigenous genocide.
In a statement, Prime Minister Justin Trudeau acknowledged that for some July 1, is "not yet a day of celebration." "The horrific findings of the remains of hundreds of children at the sites of former residential schools in British Columbia and Saskatchewan have rightly pressed us to reflect on our country's historic failures, and the injustices that still exist for Indigenous peoples and may others in Canada,"
"We as Canadians must be honest with ourselves about our past."
What did Canadian's discover?
Recently in Saskatchewan at least 751 unmarked graves were found on the site of Marieval Indian Residential School, which was run by the Catholic Church. Less than a month beforehand the remains of as many as 215 children were also found in unmarked graves, at the site of a former Catholic Church run residential school in Kamloops, B.C. A Canadian Indigenous group, The Lower Kootenay Band, said it has found at least 182 human remains in unmarked graves near Cranbrook, British Columbia. The grave site is close to the former St. Eugene's Mission School, which was operated by the Roman Catholic Church from 1912 until the early 1970s. The Kamloops discovery led to a national self-reflection of Canada's residential schools' legacy and renewed calls to search the grounds of all former residential schools across North America.
What were residential schools?
In Canada, the Indian residential school system was a network of at least 130 boarding schools set up to educate and subjugate Indigenous peoples. The residential school network was funded by the Canadian government's Department of Indian Affairs and administered by various churches. The Catholic Church has historically been heinous towards vulnerable people worldwide, has carried out gynocides and involved itself in multiple genocides, and has centuries of instances of abuse against women and children.
Two primary objectives of the residential school system were to remove and isolate children from the influence of their home and families to erase their traditions and cultures and to ultimately assimilate them. The Truth and Reconciliation Commission estimates more than 150,000 children attended residential schools in Canada from the 1830s to 1996. Children at residential schools died at a far higher rate than those in the general population. In nearly a third of the deaths, the name of the child wasn't recorded; nearly half did not list a cause of death. When the commission concluded in 2015, it had determined that at least 3,200 children died in residential schools. Since 2015, the National Centre for Truth and Reconciliation has added 980 names to its memorial register which steadily keeps growing.
The Indian Residential Schools Crisis Line is available 24 hours a day for anyone experiencing pain or distress as a result of a residential school experience. Support is available at 1-866-925-4419.
Canada's Residential School Horror
Hundreds Of Bodies Found At Catholic Church Operated Residential School
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A user friendly guide to what the Thames and its surrounding areas have to offer in the way of boats and boating, entertainment, food and drink, accommodation, corporate entertainment and tourist information.
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Work to teach people about the Thames so that everyone can take a part in planning a healthy future for the river. Offers river visits for schools, community groups and adults.
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Conserves, protects and enhances the River Thames, between Hampton and Kew.
An organisation providing a long term vision and a holistic approach to the planning, management and use of the Thames between Kew and Chelsea.
Addresses poor local environmental quality on the Thames, its tributaries and the canals throughout London.
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Size matters … when it comes to your pool float. We don't know about you, but we like to stretch out as much as possible to soak up the summer sun. Not only can you do just that on this winged float, but you can look like an actual angel.
The giant pool float is 8.25 feet by 5.25 feet. The middle area where you lounge is white, and the wings are a pretty blend of pink, purple, dark blue, light blue, and teal. It's made of vinyl, has two handles, and comes with a repair patch. You can get one for $35 at Walmart.
created in Los Angeles by Colette Miller in 2012. That's when the City of Angels suddenly began to be decorated with human-sized interactive art.
Since then, Colette has painted wings around the United States and world, including France, Australia, Kenya, and more. But if she has yet to paint near you, this angel wings pool float is the next best thing.


The dead stop position of the dial has nothing to do with the relationship of the LOBC index and the opening index. It is the angular difference of the two index marks that is important. Also make sure that any connection arms or brackets from the time lock into the comb lock are removed. There has to be something that connects the two as it is the timelock that allows the comb lock to function after the timelock winds down.
If you look at Fig 5 drawing on the patent, the small "e" is the location the wheel gates must align to. And I would position the drive wheel gate to that location as well. You could drill through the backside of the combination lock in between the spindle hole and the staked on wheel post. Just make sure not to drill too close to the wheels so you don't remove any gear teeth.
I finally got it! Using my new scope I was able to watch the tumblers and map out what the dial number should have been for each correct tumbler position. I was able to come up with the correct combination. My secondary mark is 38 points to the right. In my inexperience I thought I only had to move the gear drive back to that position. It finally dawned on me that you were telling me to move every tumbler 38 points.
Sorry I was so slow to catch that. No holes drilled! I am so excited. It had become a war between me and that lock. Thank you so much for your patience and guidance.
You are a great asset to your organization.
Now it's on to the other lock. Unfortunately, I cannot see the tumblers at all in that one. May have to drill a hole to see them. Cannot get the lock out of the door either because the arm is too long to let it come out. Ready for the next task.


Cells are cylindrical in outline. They are united into chains by the valve face with a convex valve face joining the concave valve face of the adjacent valve. Valves bear no visible markings in light microscope but have short spines on the border between the valve face and the mantle. These can only be seen with SEM. Cells are weakly silicified with valve and girdle structure not visible in water mounts. Many small, rounded plate like chloroplasts are present. Resting spores have been observed and consist of two unequal valves within an auxospore. However, these resting stages are mainly observed in cultured material.


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Woman Claims Barnsider Manager Slapped Her
Brian Published: November 10, 2020
Photo: Google Maps
In her rather contentious Facebook post, a Colonie woman "doesn't recommend the Barnsider Restaurant" in Colonie. According to the post, what started off as a Sunday night out celebrating her mom's birthday at the popular Colonie restaurant, turned heated and violent. The woman alleges that a female manager at the Barnsider slapped her in the face.
In a story reported on by the Times Union, Steve Barnes chronicles some details alleged in the lengthy Facebook post by the alleged victim. The Times Union article doesn't name the woman who is making these particular claims, because they"have not confirmed the name on the Facebook account is the woman's legal name."
According to the Facebook post that has been linked back to the Times Union, the woman is going by the name of "Tabitha Alexandra."
Tabitha claims that her and her family "came to the barnsider tonight to celebrate my mothers birthday. My family enjoys a good celebration. We ate and drank and laughed and the service was just fine all along."
But that's when according to the alleged victim, things took a turn for the worse. While waiting to settle up on the bill, some family members decided to have another round of drinks. At that point, Tabitha claims that the "waiter informed us that the female manager on duty had stated that my entire family was "cut off" because we were "wasted."
A short time later, it's alleged by Tabitha, that her and the restaurant manager got in each other's faces. Things were heated back and forth and according to Tabitha, the restaurant manager told her and her family to ""GET THE F***K OUUUTTT!!!"
The alleged victim claimed on Facebook that she stepped towards the manager, they exchanged some unpleasantries and that's when according to Tabitha the manager slapped her in the face.
According to the Times Union, the Colonie Police were called to the scene and they did review video footage of an incident that took place that night. According to the TU report police say the "security recording does not have a clear angle on the pair at the time, and what is visible does not show a slap."
While the alleged victim did say that she filed a complaint against the manager, the Times Union is reporting that as of Tuesday evening, "Tabitha" had not contacted the Colonie Police department.
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Filed Under: Barnsider manager allegedly slapped Colonie woman, Upstate new York news, wgna
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Posted inFrance, Japan, Lebanon, Northeast Asia, World
Ghosn shifts gears, suing Nissan in Dutch court
The former chief of the Renault-Nissan-Mitsubishi alliance is launching a counter-attack from house arrest in Tokyo
by Alison Tahmizian Meuse July 19, 2019 February 18, 2020
Pedestrians pass a TV screen showing a news program featuring Carlos Ghosn's first day in court in Tokyo on January 8, 2019. Photo: AFP/ Behrouz Mehri
Carlos Ghosn, eight months after his arrest by Japanese authorities over alleged financial misconduct, is switching gears in his legal strategy and launching a suit of his own against automakers Nissan and Mitsubishi in a Dutch court.
The former auto chief, now awaiting trial and under house arrest in Tokyo, claims his former employers – whose joint subsidiary is based in the Netherlands – improperly terminated his contract, according to a report by the French daily Le Figaro.
While Ghosn resigned as head of Renault-Nissan in the wake of his November 2018 arrest, he did not formally give up his post as head of Nissan-Mitsubishi, the former being based in Paris and the latter in Amsterdam. The resort to Dutch jurisdiction reveals only one of the complexities beneath the troika of automakers, which increasingly appears to have been held together by the man himself.
Ghosn, who is credited with turning around the once-failing automakers, is now suing Nissan-Mitsubishi for €15 million in damages, according to Le Figaro.
The 65-year-old is simultaneously facing four separate indictments in Japan. These include breach of trust, understating his income, transferring personal financial losses to Nissan and misappropriating money for personal use from a company business partner in Oman.
Ghosn has proclaimed his innocence on all charges, insisting he is the victim of a conspiracy from within the management of Nissan, which he says was resisting closer integration with the French auto-maker Renault, Nissan's major shareholder.
Nissan Motor Co, Ltd and Mitsubishi Motors Corporation for their part said a joint investigation found Ghosn had attained his post as head of Nissan-Mitsubishi and negotiated €7.82 million in compensation without the required approval of the NMBV board of directors, namely Nissan CEO Hiroto Saikawa and Mitsubishi Motors CEO Osamu Masuko.
That statement was made two months after Japanese authorities raided Ghosn's Tokyo residence and arrested the once-revered executive.
Renault's net profits have dropped more than one third since then, from €5.2 million net profit in 2017 to €3.3 million in 2018. Nissan's profits more than halved, from 746.9 million Yen (€6.2 million) to ¥319.1 million (€2.6 million). Mitsubishi saw its operating profit rise slightly, from ¥98.2 billion to to ¥111.8 billion.
Renault reportedly continues to push for a full merger with Nissan, which would allow it to incorporate Japanese technological innovation, such as electric car models, for the future. The absence of Ghosn as the outsized personality bridging the French and Japanese business cultures has likely made that quest even more difficult.
Back in Tokyo, the former executive has yet to be convicted of any offense and is awaiting trial.
Tagged: Business, Carlos Ghosn, Japan, Mitsubishi, Netherlands, Nissan, Renault


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Night Club: Living or Dead?
Which cast and crew of Night Club are living and who are dead?
JO1 MARK D. FARAM, USN
Academy Award winner and actor Ernest Borgnine shows off his new Chief Petty Officer (CPO) cover at the United States Navy Memorial in Washington, District of Columbia (DC). Borgnine was made an honorary US Navy (USN) CPO by Master Chief Petty Officer of the Navy (MCPON) Terry Scott [not shown] on October 17, 2004. Borgnine served in the Navy for ten years from 1935-1945 and left the service as a Gunners Mate First Class (GM1). (Released to public)
2011 (11 years, 2 months ago)
About Night Club
Night Club is a 2011 American comedy film starring Ernest Borgnine and Mickey Rooney. It is the directorial debut of Sam Borowski.
Ahney Her
American film actor
Rance Howard
Chuck McCann
American voice actor and comedian
Daniel Roebuck
American actor and writer
Hal Williams
Harold Sylvester


Boulder's Naropa University is endeavoring to spread its own teaching methods far and wide to tackle teacher burnout and other modern-day education plights with the 2018 launch of a new bachelor's degree in elementary education.
The Buddhist-inspired liberal arts university described the Colorado State Board of Education- and Higher Learning Commission-approved program as "the first of its kind in the nation."
In addition to traditional teachings, the Naropa courses providing licensure and credentials needed to teach kindergarten through sixth grade will incorporate the contemplative education the university is known for: instructing teachers how to de-stress, address current events in the classroom and bring empathy into lessons, said Barb Catbagan, associate professor and chair of Naropa's contemplative education department.
"The idea of Naropa graduates out there teaching in the world with openness and humor is exciting and rather inspiring," said Catbagan, who has 17 years of experience as a public school teacher in Fort Collins.
Rose Cowan is currently enrolled in Naropa's contemplative education program studying early childhood education.
Cowan studied elementary education at another higher education institution and felt stifled.
"I was studying during 2014 when Michael Brown was shot (in Ferguson, Mo.) and all this discourse about race and society was taking place, and we weren't talking about this in my classes," Cowan said. "We weren't talking about what to do when these things came up in the classroom. In Naropa, we learn how to bring the broader social perspectives into the classroom."
In addition to obtaining a teacher's license, the program will equip Naropa graduates with an endorsement in culturally and linguistically diverse teaching.
To gain experience teaching in a diverse classroom, Catbagan said Naropa students spend time tutoring youth at Boulder nonprofit Family Learning Center, among other learning institutions. These non-traditional learning environments teach resiliency and prepare future educators for "the different ways things can crash," Catbagan said.
"The growth I've felt being here has really prepared me go out and do this work," Cowan said. "I didn't feel this prepared before at my other institution."
Catbagan believes the program, launching in the fall of 2018, will bolster the teaching profession and better equip teachers so they don't burn out as quickly.
"The program will also help address the dramatic and growing teacher shortage in Colorado and across the U.S.," Naropa officials said in a news release. "That shortage is driven in part by high turnover resulting from professional stress and burnout, issues that educators will solve with essential learning embedded in the Naropa program."
One example of this is an emphasis on humor and compassion in the classroom to counter an angry overreaction to poor classroom behavior, Catbagan said.
"We teach pause practice," Catbagan said. "This is just taking a deep breath, moving beyond the state of stress or at least being aware of your reaction and being able to take a little chuckle at yourself."
Cowan said the priority on self-reflection in teaching has made her realize faults within her own educational upbringing. She remembered learning about Rosa Parks in elementary school as a woman who was too tired from a long day of work to get up and move to the back of the bus, rather than in a more accurate context of civil rights protests.
"That was a disturbing realization," Cowan said. "I can look back on things like that and decide that's not how I want to teach, and these are the things we're taught to question and think critically about here."


What Does The Name Face Mean?
What Faces Have Visited This Page?
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We noticed you have a microphone. If you know how to pronounce Face, just click the button to record. We'll save it, review it, and post it to help others. Recordings from children under 18 are not allowed.
What does the name Face mean? Find out below.
That part of a body, having several sides, which may be seen from one point, or which is presented toward a certain direction; one of the bounding planes of a solid; as, a cube has six faces .
The width of a pulley, or the length of a cog from end to end; as, a pulley or cog wheel of ten inches face .
[Astrol] Ten degrees in extent of a sign of the zodiac.
[Mining] The end or wall of the tunnel, drift, or excavation, at which work is progressing or was last done.
[Com] The exact amount expressed on a bill, note, bond, or other mercantile paper, without any addition for interest or reduction for discount; most commonly called face value.
Note: ☞ Face is used either adjectively or as part of a compound; as, face guard or face-guard; face cloth; face plan or face-plan; face hammer.
[Mach] To make the surface of (anything) flat or smooth; to dress the face of (a stone, a casting, etc.); esp., in turning, to shape or smooth the flat surface of, as distinguished from the cylindrical surface.
From Middle English face, from Old French face, from Vulgar Latin *facia, from Latin faciēs ("form, appearance"), from facere ("to make, do"). Displaced native Middle English onlete ("face, countenance, appearance"), anleth ("face"), from Old English anwlite, andwlita, compare German Antlitz; Old English ansīen ("face"), Middle English neb ("face, nose") (from Old English nebb), Middle English ler, leor, leer ("face, cheek, countenance") (from Old English hlēor), and non-native Middle English vis ("face, appearance, look") (from Old French vis).
The monkey has a pretty .
The of this company. He managed to show a bold despite his embarrassment.
The of the cliff loomed above them.
They turned to boat into the of the storm.
Good reputation; standing in the eyes of others; dignity; prestige. (See , ).
Put a big sign on each of the building that can be seen from the road. They climbed the north of the mountain. She wanted to wipe him off the of the earth.
Shut your ! He's always stuffing his with chips.
(slang) Makeup; one's complete facial cosmetic application.
I'll be out in a sec. Just let me put on my .
(slang, professional wrestling) Short for baby face. A wrestler whose on-ring persona is embodying heroic or virtuous traits.
The fans cheered on the as he made his comeback.
(card games) The side of the card that shows its value (as opposed to the back side, which looks the same on all cards of the deck).
(heraldry) The head of a lion, shown face-on and cut off immediately behind the ears.
Radical Face is a folk music and electronic music musician. He was most active from 2000 to 2000. Radical was born in Jacksonville, Florida. Radical is also known as Radical Face.
Neck Face is an artist.
Roy Face is a baseball player. Roy was born on February 20th, 1928 in Stephentown, New York.
Richard Face is an NSW Minister for Gaming, Racing, and Minister Assisting the Premier on Hunter Development. His most notable accomplishments were from 1995 to 2003. Richard was given the name Jack Richard Face on December 2nd, 1942 in Merewether, New South Wales, Australia.
Charmaine White Face is an Oglala Lakota elder and Oglala Lakotaelder. Charmaine was born in Pine Ridge Indian Reservation.
Samuel was born on August 2nd, 1923. He passed away on May 2nd, 2001.
Where is the name Face popular?
The map shows the absolute popularity of the name Face as a last name in each of the states. See other popular names in Michigan, New York, or California.
How Popular is the name Face? As a last name Face was the 47,186th most popular name in 2010.
How unique is the name Face? Out of 5,933,561 records in the U.S. Social Security Administration public data, the first name Face was not present. It is possible the name you are searching has less than five occurrences per year.
Weird things about the name Face: Your name in reverse order is Ecaf. A random rearrangement of the letters in your name (anagram) will give Eacf. How do you pronounce that?
How many people have the last name Face? In 2010, the U.S. Census Bureau surveyed 450 people with the last name Face.
How likely are you to meet someone with the last name of Face? Chances are, most people haven't met someone with Face as their last name since less than 1 person in 667k people have that last name. If you know one, consider yourself lucky!


Microsoft will be present in full force at San Diego Comic Con, bringing three of its most anticipated games within three different panels: Gears of War 4, Sea of Thieves and Halo Wars 2.
Co-creator Rod Fergusson, the cast, and guest panelists present a behind-the-scenes look at Gears of War 4, exploring the characters, and storytelling for the new saga in the acclaimed Gears franchise. They will also have some special announcements and surprises. Moderated by Xbox's Major Nelson.
The Sea of Thieves team present an exclusive look at the artistry behind this shared-world pirate adventure. Core members of Rare, the acclaimed developer behind hit titles like Banjo-Kazooie, Viva Piñata, and Battletoads, will discuss the studio's life-long fascination with pirates, how they're crafting a rich fantastical world and evolving a timeless genre. Attendees will be privy to key announcements, never-before-seen artwork, and exclusive insights into Rare's most ambitious project yet.
343 Industries and special guests reveal the process, the pain, and the pleasure of bringing the long awaited sequel to life on PC and console, and the exciting future of the storied franchise. Exclusive video, discussion, and surprises await. Special guest stars include legendary voice actor John DiMaggio (Halo Wars 2, Futurama, Adventure Time, Gears of War) and Halo newcomer Erika Soto as pivotal new characters, discussing video games, acting, and verisimilitude in the Halo universe.
The panels promise announcements and surprises, so they will probably be quite interesting. San Diego Comic Con 2016 will be held in between July 21st and July 24th.


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A reasonable opinion that you have committed a serious credit infringement in relation to consumer credit that was provided to you (e.g. fraud).
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After a short three-and-a-half-hour flight, followed by a comfortable 45-minute transfer, I arrived at Danai Beach Resort & Villas in beautiful Halkidiki! It's easy to see why this Greek beauty is a member of the prestigious 'Leading Hotels of The World' – from the grand entrance path decorated with colourful flowers and foliage, to the pristine stretch of private golden-sand beach, there is an essence of total luxury throughout the resort, complemented by a team of friendly and attentive staff who are always on hand to help however they can.
Upon my arrival, I was delighted to find I'd be staying in a beautiful Mediterranean Suite – comprised of an expansive living and dining area, a lavish raised bedroom, huge marble bathroom and private balcony, it was like a sunshine-filled home-away-from-home! Every room is individually decorated with personal touches, bringing an extra sense of character to the hotel. The Mediterranean Suite includes a working marble fireplace and stunning antique furnishings, as well as an inviting hydro-massage Jacuzzi bath, which is the perfect place to relax before you head out for the evening!
Food at the resort's three dining venues will tantalise all the senses, whilst the endless wine list will leave you feeling spoilt for choice! The award-winning Squirrel restaurant is one of Greece's top culinary addresses, whilst Andromeda and Sea Horse Grill offer equally delightful cuisine in a more relaxed atmosphere. I also had chance to savour a private wine-tasting experience in the old-world ambience of the resort's wine cellar, which holds 1,700 of the finest wines, carefully collected over decades. You can also experience a private dinner in the cellar, which I'm sure would be equally magical! For an easy-going evening, head to the Seaside Bar. The evening I spent here was amazing – the bartender created incredible handcrafted cocktails to suit everyone's palate, and waiters served up tasty platters, including an incredible dessert platter, which was far too tempting to resist!
Danai Beach Resort & Villas features a 314-metre stretch of private beach, lined with sun beds, beach tents and private beach cabanas. I'd highly recommend indulging in a private cabana for the day – there's no better way to soak up the spectacular views in a comfortable setting. You can savour additional elements, such as a barbecue by the cabana or a private spa treatment. We loved having fresh ice cream made by the chef at the cabana - a truly unique beach experience.
Outside of the resort, the closest village is Nikiti, which can be accessed by a 30-minute walk along the coastal path or a five-minute taxi journey from the hotel. Here, you'll find some quaint shops and restaurants, as well as a local village atmosphere to immerse yourself in for a true taste of Greece. If you're looking for something a little livelier, Neos Marmaras is 25 minutes away, and boasts a cosmopolitan atmosphere, with Blue Flag-awarded beaches, rustic tavernas and bustling beach bars. I enjoyed lunch along the shore in one of the local restaurants, watching quaint fishing boats pass by as we sampled delicious local cuisine. Evenings are energetic in Neos Marmaras, with some fabulous cocktail bars lining the waterfront!
If you're looking for your own luxury holiday in Halkidiki, please call our expert Travel Consultants.
I started work in the travel industry in 1996. From a very early age I knew I wanted to work in travel. Family holidays to the Pyramids, the Grand Canyon and the Terracotta Warriors were such amazing sights as a child, and now, as I continue you my travels around the world, I love sharing my insights with my clients.