Microfiber Tea Towel:For easy wiping and removal of all traces,especially on narrow glasses or stainless steel cookware,leaving the surfaces clean an shine.
Instructions for use:For a better result,you can use this cloth as dry as possible and and can nevertheless used with specific liquid products.
Looking for ideal Microfiber Hand Towel Manufacturer & supplier ? We have a wide selection at great prices to help you get creative. All the Cleaning Tea Towel are quality guaranteed. We are China Origin Factory of Cleaning Hand Towel. If you have any question, please feel free to contact us.


text:
Rodney McLeod
McLeod Misses Practice, Ajayi, Sproles Getting Closer
The Eagles were missing starting safety Rodney McLeod at practice on Wednesday
John McMullen
Grayson's Grades: Eagles at Bucs
The Philadelphia Eagles allowed a pair of 75-yard touchdowns and the Eagles had to try and claw their way back into the game. Ultimately, they fell just short as they leave the Sunshine State with a 27-21 loss.
Do The Eagles Need Another Veteran Safety In 2018?
With all the youth behind starters Malcolm Jenkins and Rodney McLeod at safety for the Eagles in 2018, should they sign a veteran?
Eagles Training Camp Preview: Safeties
Top-heavy is probably the best way to describe the Eagles situation at safety
Eagles Safety Duo Among Best in NFL
The Defensive Line gets a lot of credit for stopping the run and getting to the Quarterback, but it is the consistency and talent of the Safeties that helps them do their job.
Coaching Game of Chess Set for Super Bowl Sunday
Super Bowl LII will showcase the many skills and talents of the athletes on the field. It will also feature a major game of chess between the coaching staffs of the Philadelphia Eagles and New England Patriots.
Grayson's Grades: Eagles vs. Falcons
The Philadelphia Eagles survived and advanced to the NFC Championship Game by knocking off the Atlanta Falcons 15-10 inside a windy Lincoln Financial Field.
Grayson's Grades: Eagles vs. Raiders
The Philadelphia Eagles gave their fans one last Christmas present Monday night. The Eagles clinched the top seed in the NFC with a narrow 19-10 victory over the Oakland Raiders.
Eagles Defense Hurting Itself
The Eagles gave up 504 total yards to the Giants with 429 of those yards coming through the air.
Grayson's Grades: Eagles at Giants
The Philadelphia Eagles clinched a first-round bye in the NFC Playoffs by knocking off the New York Giants 34-29. It was an ugly performance by the Eagles who overcame their own mistakes to hold off the Giants.

redpajama_set_name: RedPajamaCommonCrawl


Have you been seeking for a quality and reputable foundation repair service and business in Euless, TX for your residence? Our team of experts at Solid Rock Foundation Repair, will assure that your property's repair is done in the highest quality. We are able to guarantee that you have the service that you want and need. The priorities of our clients is our number 1 concern, so we attempt to provide the best foundation work out there.
If you want assistance or have questions, our group of repair professionals are always here and please to assist! Get your repair today! Dial 817-400-7625 and speak to our crew about repairs for your home! The foundation of your home is essential. It is important to keep your foundation and property in good shape. If these things are not maintained and the foundation not cared for, then your land and house can easily shift and cause unexpected damage to the structure and foundation. Our squad will walk you through all of the steps. The experts at Solid Rock Foundation Repair are committed to finishing every repair with precision.
Give us a call today for the well-being of your home's strength and condition. We will take all of your worries away with our expert foundation repair service. It's understandable that you have more significant things to do with your time and want to trust a professional to do a job properly done. We refuse to let you down.
Let us help you with your foundation repair. Give us a call today for help in foundation repair. We are here when you need us. Call us today at 817-400-7625! We will ensure that you get the greatest customer service and absolute results for your house foundation repair in Euless, TX.


text:
Best Travel Books
Best Travel Books - Read Your Way Around the World
While many books take you around the world, few focus on the "travel" aspect of globe-trotting. Here are a few of the best travel books that don't just describe a destination(s), but the journey to and through them as well.
Into the Wild, Jon Krakauer
This book examines the life of Christopher McCandless, a traveler known to others as "Alexander Supertramp," and pieces together a narrative about his life from the little pieces that so many knew of him. While the ending is immediately known and tragic, the story of how a man gave up everything to truly experience nature is astounding. The book has been made into a well-received movie.
A Walk in the Woods: Rediscovering America on the Appalachian Trail, Bill Bryson
Bill Bryson's story of his journey along the Appalachian Trail is yet another book to inspire many to leave the confines and comforts of their hometowns to strike out and see all that America offers. Using wit, and some carefully crafted jokes, Bryson becomes the hiking partner that everyone would like to have, knowledgeable and positive. Soon you will be wondering how to follow in his (and many others') footsteps along this legendary hiking trail.
Into Thin Air, Jon Krakauer
Jon Krakauer chronicles his own life in this harrowing account of an ascent of Mount Everest. At one time considered one of the deadliest disasters in the mountain's history, Krakauer's expedition lost four members. This (often contested) account of the events leading up to the ascent and the aftermath creates one of the greatest adventure stories ever told.
Explore Honolulu at your own pace
Choose to book any optional tours
Includes airfare, accommodations, more
Air & 7-Day Hawaii Vacation
Giraffe center, National Reserves, game drives & more
Full board meal plan in Safari lodges
Spot lions, cheetahs, elephants & other wildlife
Air & 8-Day Kenya Safari Tour w/ Game Drives
BOOK BY 1/31
Visit Athens, Delphi, Mykonos, Santorini & more
Airfare, hotels, 9 meals, transport, ferry & more
See sites such as the Panathenaic Stadium & Acropolis
$200 Off | Air & 10-Day Escorted Tour of Greece
See filming locations of Cast Away & The Blue Lagoon
Enjoy various shows & special performances
Full board meal plan, transport, airfare & more
$500 Off | Air & 11-Day Fiji on Captain Cook Cruises
Book by Feb 4 w/ online code for $300 off
Daily full Irish breakfast, 8-day car rental, air & more
See Ireland at your own pace
$300 Off | Air & 9-Day Self-Drive Ireland Tour
Book by Feb 4 w/ online code to save
Safe & risk free travel assurance
Swim in the crystal blue waters & colorful corals
$300 Off | Air & 7-Day Maldives Vacation
Plenty of activities & optional tours to choose from
Includes daily breakfast and transports
Flexibility to vacation your way
Air & 8-Day Costa Rica Independent Tour
Sails Mar 26, 2022 from Barcelona
Up to $500 in shipboard credit & travel insurance
Visit the United Kingdom, France & Italy
7-Nt Mediterranean Cruise on Regal Princess
Depart on Mar 19, 2022 from Fort Lauderdale
Up to $500 ship credit
Cruise from Ft. Lauderdale to San Francisco
15-Nt Panama Canal Cruise on Caribbean Princess
Sails June 11, 2022 from Barcelona
Sails Apr 17, 2022 from Barcelona - More itineraries below
60% off second stateroom guest
Free shore excursion credit
3-Nt W. Mediterranean Cruise on Norwegian Epic
Wild: From Lost to Found on the Pacific Crest Trail, Cheryl Strayed
Now a major motion picture, this book covers the West Coast's analog to the Appalachian Trail, The Pacific Crest Trail. This non-fiction account of Cheryl Strayed's journey is similar to Bill Bryson's, yet being as it is told by a woman, covers some much different ground. Recovering from the loss of a parent and dissolution of a marriage, Strayed chooses to find herself by traveling alone from the Mojave Desert to Washington State.
My Life in France, Julia Child & Alex Prud'Homme
Inspiring thousands to experience living abroad, Julia Child's My Life in France is already a timeless classic. While only recently published, this book chronicles the famous chef's times in France during WWII and beyond. Lovingly crafted with notes and an extensive index containing a treasure trove of recipes, this book is about more than just seeing a new place; it is about learning its culture through conversation, food, and art.
On the Road, Jack Kerouac
The classic novel of a vagabond or "couch surfer." Jack Kerouac writes with a stream of consciousness fury that resembles the mind of a young adult – a mind running mad with the possibilities of where life could lead. There is no exact destination in mind for the protagonist, just the urge to keep moving on. Many writers list On the Road as one of their great influences, as even if one struggles to keep up with all the stories, one can appreciate the desire to have an abundance of them.
Grab one of these great books for some at home reading, or for inspiration while you are "on the road."
What Happened to the Island of Montserrat?
What to Pack for Your Alaska Cruise
Best Golf Courses
RVshare: The Cure for Your Travel Bug
A Tale of Two Cabos
Signup for Vacation Deals


text:
OUT OF MIND » CHANGING ENVIRONMENT & NATURE » GUIDE TO THE NIGHT SKY » What is a supermoon?
What is a supermoon?
1 What is a supermoon? Fri Jul 11, 2014 9:49 am
Expect high tides around Jan. 1 and 30, 2014
The year 2014 has a total of five supermoons. They are the two new moons of January, and the full moons of July, August and September. Everything you need to know here.
We in astronomy used to call them perigean new moons or perigean full moons, that is, new or full moons closely coinciding with perigee – the moon's closest point to Earth in its orbit. But, in accordance with the rapidly evolving skylore of the modern world, we now enjoy calling them supermoons. The name supermoon was coined by an astrologer, Richard Nolle, over 30 years ago. It was popularized and came to be the accepted term for most people only in the past few years. Are supermoons hype? In our opinion … gosh, no, just modern folklore. And they can cause real physical effects, such as larger-than-usual tides. The year 2014 has a total of five supermoons. They are the two new moons of January, and the full moons of July, August and September. Next supermoon: July 12. Follow the links below to learn about the supermoons of 2014.
What did astronomers call these moons before we called them supermoons?
When are the next supermoons in 2014?
Spring tides will accompany the July, August and September supermoons.
Dates of closest full supermoons in past and future years
What is a Black Moon?
About three or four times a year, the new or full moon coincides closely in time with the perigee of the moon—the point when the moon is closest to the Earth. These occurrences are often called 'perigean spring tides.' The difference between 'perigean spring tide' and normal tidal ranges for all areas of the coast is small. In most cases, the difference is only a couple of inches above normal spring tides. Image and caption via NOAA.
Photographs or other instruments can tell the difference between a supermoon and ordinary full moon. The supermoon of March 19, 2011 (right), compared to an average moon of December 20, 2010 (left). Image by Marco Langbroek of the Netherlands via Wikimedia Commons.
What is a supermoon? We confess: before a few years ago, we in astronomy had never heard that term. To the best of our knowledge, astrologer Richard Nolle coined the term supermoon over 30 years ago. The term has only recently come into popular usage. Nolle has defined a supermoon as:
… a new or full moon which occurs with the moon at or near (within 90% of) its closest approach to Earth in a given orbit.
That's a pretty generous definition and allows for many supermoons. By this definition, according to Nolle:
There are 4-6 supermoons a year on average.
What did astronomers call these moons before we called them supermoons? We called them a perigee full moon, or a perigee new moon. Perigee just means "near Earth."
The moon is full, or opposite Earth from the sun, once each month. It's new, or more or less between the Earth and sun, once each month. And, every month, as the moon orbits Earth, it comes closest to Earth. That point is called perigee. The moon always swings farthest away once each month; that point is called apogee.
No doubt about it. Supermoon is a catchier term than perigee new moon or perigee full moon.
We first became familiar with the supermoon label in the year 2011 when the media used it to describe the full moon of March 19, 2011. On that date, the full moon aligned with proxigee – the closest perigee of the year – to stage the closest, largest full moon of 2011.
When are the next supermoons in 2014? By Nolle's definition, the new moon or full moon has to come within 361,863 kilometers (224,851 miles) of our planet, as measured from the centers of the moon and Earth, in order to be considered a supermoon.
By that definition, the year 2014 has a total of five supermoons. The first supermoon, for 2014, came on New Year's Day, with the January 1 new moon. The second came with the new moon of January 30, 2014. The full moons of July, August and September will also be supermoons, by Nolle's definition. Thus, the next supermoons – aka perigee full moons – in 2014 are:
Full moon of July 12 at 11:25 UTC
Full moon of August 10 at 18:09 UTC
Full moon of September 9 at 1:38 UTC
The full moon on August 10, 2014, will present the closest supermoon of the year (356,896 kilometers or 221,765 miles).
However, the new moons on January 1 and January 30 were not far behind, featuring the year's second-closest and third-closest supermoons, respectively. On January 1, the moon turned new less than 10 hours before reaching lunar perigee – the moon's closest point to Earth in its orbit. On January 30, the moon turned new nearly 12 hours after reaching lunar perigee.
Want more detail? Okay. In 2014, the moon comes closest to Earth on August 10 (356,896 kilometers), and swings farthest away some two weeks before, on July 28 (406,567 kilometers). That's a difference of 49,671 kilometers (406,567 – 356,896 = 49,671). Ninety percent of this 49,671-figure equals 44,703.9 kilometers (0.9 x 49,671 = 44,703.9). Presumably, any new or full moon coming closer than 361,863.1 kilometers (406,567 – 44,703.9 = 361,863.1) would be "at or near (within 90% of) its closest approach to Earth."
Around each new moon (left) and full moon (right) – when the sun, Earth, and moon are located more or less on a line in space – the range between high and low tides is greatest. These are called spring tides. A supermoon – new or full moon at its closest to Earth – accentuates these tides. Image via physicalgeography.net
Spring tides will accompany the July, August and September supermoons. Will the tides be larger than usual at the July, August and September 2014 full moons? Yes, all full moons (and new moons) combine with the sun to create larger-than-usual tides, but perigee full moons (or perigee new moons) elevate the tides even more.
Each month, on the day of the new moon, the Earth, moon and sun are aligned, with the moon in between. This line-up creates wide-ranging tides, known as spring tides. High spring tides climb up especially high, and on the same day low tides plunge especially low.
The July, August and September extra-close full moons will accentuate the spring tide, giving rise to what's called a perigean spring tide. If you live along an ocean coastline, watch for high tides caused by these full moons.
Will these high tides cause flooding? Probably not, unless a strong weather system accompanies the perigean spring tide. Still, keep an eye on the weather, because storms do have a large potential to accentuate perigean spring tides.
Dates of closest full supermoons in past and future years. More often than not, the one day of the year that the full moon and perigee align also brings about the year's closest perigee (also called proxigee). Because the moon has recurring cycles, we can count on the full moon and perigee to come in concert in periods of about one year, one month and 18 days.
Therefore, the full moon and perigee realign in periods of about one year and 48 days. So we can figure the dates of the closest full moons in recent and future years as:
There won't be a perigee full moon in 2017 because the full moon and perigee won't realign again (after November 14, 2016) until January 2, 2018.
By the way, some astronomers will call all the full moons listed above proxigee full moons.
But, like you, we'll have fun just calling 'em supermoons.
What does a full supermoon look like? Astronomers say you can't really detect any difference with your eye between a supermoon and any ordinary full moon. This great moon photo is from EarthSky Facebook friend Rebecca Lacey in Cambridge, Idaho.
What is a Black Moon? We had never heard the term Black Moon until early 2014. It doesn't come from astronomy, or skylore, either. Instead, according to David Harper, the term comes from Wiccan culture. It's the name for the second of two new moons in a month. January 2014, for example, had two new moons. Does a Black Moon have to be a supermoon in order to be called Black? No. You can read more about Black Moons here.
The next Black Moon by the second-of-two-new-moons-in-one-calendar-month definition will occur on October 30, 2016. Sten Odenwald at astronomycafe.net lists some other names for the second new moon in a calendar month: Spinner Moon, Finder's Moon, Secret Moon.
However, we've also come across another definition for Black Moon: the third of four new moons to occur in one season. In 2015, the new moon coming on February 18 will present the third of four new moons in between the December 2014 solstice and the March 2015 equinox. This February 18, 2015 Black Moon will also be the closest new moon supermoon of 2015, but, once again, a seasonal Black Moon doesn't necessarily have to be a supermoon.
Bottom line: The term supermoon doesn't come from astronomy. It comes from astrology, and the definition is pretty generous so that there are 4 to 6 supermoons each year. This post explains what a supermoon is, how many will occur in 2014, which moon is the most "super" of all the 2014 supermoons, and gives a list of upcoming full supermoons for the years ahead.
See a supermoon! Awesome photos of the June 2013 full supermoon
Learn more: Tides and the pull of the moon and sun
Thanks to: http://earthsky.org
Create a forum on Forumotion | © PunBB | Free forum support | Contact | Report an abuse | Forumotion.com


text:
Jets' miserable season ends with loss in Adam Gase finale
By Zach Braziller
January 3, 2021 | 4:12pm	| Updated January 3, 2021 | 10:03pm
Jets fire Adam Gase
As the final seconds ticked off of the Gillette Stadium...
It was apropos of this miserable season, and to a larger extent, the Adam Gase era.
A pedestrian-at-best performance from Sam Darnold, injuries to key rookies Denzel Mims (concussion) and Mekhi Becton (ankle), the defense making Cam Newton look like his old MVP self, and, of course, another loss.
In what was Gase's final game as Jets coach, and possibly the end of Darnold's time with the team as well, the Jets lost for the 10th consecutive time to Bill Belichick and the playing-out-the-string-for-once Patriots, 28-14, Sunday afternoon to close out this nightmarish 2-14 campaign. It marks the second-worst season in franchise history, after the 1-15 mark in 1996.
"It's a little quick for me to go through it now," Gase said, when asked to assess the miserable year. "It just wasn't good enough, obviously."
That's stating the obvious.
Jets coach Adam Gase during today's game against the Patriots.
Gase finished his Jets tenure a 9-23 record across two seasons. The big question is whether the Jets will use the second-overall pick in the draft on a quarterback like Ohio State's Justin Fields or BYU's Zach Wilson and move on from Darnold or look to build around him.
New England scored 21 consecutive points in the second half, kick-started by a 19-yard Newton touchdown catch on a pass from receiver Jakobi Meyers. He followed that up with touchdown passes to tight end Devin Asiasi and running back Sony Michel, the first receiving scores in the NFL for both.
The 31-year-old entered the game with five touchdown passes all season and none in his previous 12 quarters. He tossed three against the Jets and completed 21 of 30 passes for 241 yards without an interception, and also ran for 79 yards, a season-high.
"They did a great job of switching things up in the second half, attacking us in areas we didn't expect them to attack us," safety Marcus Maye said. "They did a great job of adjusting at halftime."
Darnold, the third-year quarterback who was thought to be the franchise signal-caller the team had waited decades for, was typically mediocre. He led the Jets on long touchdown drives at the end of the first half and at the start of the second half, but otherwise did very little. He snapped his three-game turnover-free streak with a pair of interceptions — the first led to a Patriots touchdown and the second came in the end zone as the Jets were driving late in the fourth quarter — and finished the season without a single 300-yard passing game. He threw two touchdowns in a game just twice.
Sam Darnold makes admission about his shaky Jets future
For the first time, Sam Darnold admitted the obvious. The...
"I think the turnover definitely derailed us a little bit, the first one, and obviously the second hurt us really bad," said Darnold, who finished his third season with nine touchdown passes and 11 interceptions. "So, I've just got to take better care of the football."
Darnold did lead the Jets on the two strong touchdown drives, one to close the first half and another to open the second half. In the two impressive possessions, Darnold completed 9 of 10 passes for 156 yards and a 21-yard touchdown pass to tight end Chris Herndon, one of his most impressive stretches of the season.
But it was the last time the Jets would score. Newton and the Patriots dominated the second half, a fitting close to this dreadful season.
"I wanted to win this game. I've come up here enough times to have this result," Gase said. "I felt like we had good plans coming in. We had a decent stretch there where we did some good things. We didn't finish it the right way."
Filed under adam gase	, new england patriots	, new york jets	, sam darnold	, 1/3/21
What bettors need to know about Washington-Eagles line


yo crappy s i monaey mooody you dont haa just go pooopy in your pant you aint a owna on forum.
Hey Sorry boxxy, but in afraid you cant do that. you don't have ownership over this forum anymore.
I think when a normal user sends a private message, it should be approved by a mod or admin because it the private message can go to the receiver.
Because if there is two normal users who send rule breaking pm's and nobody knows, they would get away with it!!


Using perler beads you can design your own projects using the pegboards included in your kit. Create designs for keychains, coasters, or just for fun!
Using Glow-In-The Dark perler beads you can design your own projects using the pegboards included in your kit. Create designs for keychains, coasters, or just for fun!


text:
What I wish I'd known earlier about financial education
Following her participation in the panel discussion 'What I wish I'd known about money' at the recent party conferences in Brighton and Manchester, Lloyds Banking Group's Ambassador for Wales, Nicola Bannister, reflects on her own experience and the importance of financial resilience.
Nicola Bannister
Group ambassador to Wales
Financial resilience is incredibly important, but it isn't something we talk about or focus on enough. For many of us, saving for the future or building up a nest egg is something we'll do when we're older - but unfortunately by then it might be too late.
During the two recent panel discussions, what came through very strongly was the need to provide financial education at a young age. We agreed that helping young people to understand the basics of budgeting, how credit works and the benefits of saving little and often would improve the financial resilience of adults in the future.
I was taught that you should never have more going out than coming in. It was a principle that my mother and steel worker father lived by and was extremely good advice. What I didn't know about, however, was credit.
It wasn't until I went off to University that I became aware of credit. I saw many of my friends using credit cards and loans to fund their lifestyles with little understanding of how to use and manage them well. Affordable, well-managed credit can help with some of those life milestones like buying your first car, but used without an understanding of what it cost or how it works, there can be devastating consequences.
What I wish I'd known was how to build and maintain financial resilience while also benefiting from the range of financial products available. This may have been possible had I had some form of financial education.
I also wish that my younger self had known to start saving for my future. I had absolutely no clue about pensions, and yet the average woman needs to start saving very early – we need 37 years more savings to get the same average pot as a man, and the pensions gender gap has only gotten more pronounced since the pandemic. It's still uncertain what the long-term impacts will be on the savings of 'generation Covid'.
What's different about financial resilience in the devolved regions?
There isn't a 'one size fits all' solution for supporting the UK's financial resilience needs. The financial systems in place in England, Scotland, Wales and Northern Ireland are all different, and the support structures that are put in place need to be tailored to properly reflect their requirements.
For example, there is a greater predominance of councils that are highly grant dependent in Wales compared to England, so any cuts made to council budgets could have a more significant impact on those living in the area who are reliant on the services that the council provides.
Meanwhile, a study by the FCA in 2018 showed that more than half of the people in Scotland could be potentially classified as 'vulnerable'. The study also showed that there is an above-average concentration of adults with high-cost loans in Scotland (8% compared to the UK average of 6%).
As the Group's Ambassador for Wales, I've been able to connect with charities, organisations and the Welsh Government over financial resilience and support for those in financial difficulty. What I've learned is that there is great support available and what's more, from this academic year, financial education will form part of the school curriculum in Wales.
This is a really positive step which will help prepare young people for their future financial lives and, I hope, will encourage more conversations about money within households. We need more people, regardless of where they live, to talk openly with friends and family about their financial situation and, if and when they need it, seek help as early as possible.
What is Lloyds Banking Group doing to support and improve customer financial resilience?
Improving our customers financial resilience and wellbeing is at the forefront of everything we do in our mission to help Britain recover – but we know that many of the challenges that customers are facing when it comes to finances have been exacerbated by the effects of the coronavirus pandemic.
Research conducted by Lloyds Bank in February showed that only 4% of people would turn to their bank first if they were struggling with bills, while 31% incorrectly think banks can only offer help with money matters after payments are missed. Almost two fifths (38%) believe they are better dealing with their finances themselves as their bank will not be able to help them.
We're working hard to dispel these myths and to let customers experiencing vulnerability know that their bank can help. One of the ways we're doing this is by partnering with the Money Advice Trust to get the message out there for how those struggling with debt can seek help.
Since the beginning of the pandemic we've launched specialist teams to help support the increased numbers of customers experiencing vulnerability, and since March last year we've given 1.3 million customers flexibility with their finances through payment holidays, made over 750,000 wellbeing calls to customers, and received over 880,000 to our dedicated over-70s and NHS phone lines.
We're also working with a number of organisations, including Mental Health UK, Surviving Economic Abuse, and other independent debt charities to ensure that we're supporting vulnerable customers in the most effective way possible.
We've also committed to:
Have over 6,500 colleagues trained to support customers to build their financial resilience at the beginning of 2021
Maintain our commitment to supporting mental health and become accredited as 'Mental Health Accessible' for Halifax and Bank of Scotland, in addition to the existing Lloyds Bank accreditation
Partner with independent debt advice organisations to ensure customers have access to practical support
Supporting customers to make the most of their pensions and lifetime savings is also crucial for good long-term financial wellbeing. As a business we're aiming to raise awareness of the £100,000 pensions gender gap – and to find practical solutions to close it. We're also calling for automatic pension consolidation to ensure that savers – who will now have an average of 11 jobs over their lifetime – won't lose out on any missing or forgotten pension pots.
While providing young people with the right education about money is the best way of ensuring that they have a strong understanding of their financial options in adulthood, life still happens - and sometimes this involves navigating tricky financial situations. Putting the right support measures in place to ensure that customers who are facing money issues is a crucial part of what we do, and as a Group we can be the first port of call customers who need solutions for any financial struggles they might be facing.
Finanial wellbeing
Share Share content on social media platforms
Our Financial resilience hub
The coronavirus pandemic has exacerbated the financial challenges that many people face, and brought new vulnerabilities to many more. We're here to help those who experience financial difficulties, to help them get back to a better financial footing.
Partnering with the Money Advice Trust to tackle problem debt
Tackling problem debt is a priority for Lloyds Banking Group. We caught up with the Money Advice Trust to explore why it's such an important topic, and how to spot the warning signs.
How we're helping 3.6 million people keep track of their pension savings
New research by Scottish Widows has found that over 3.6 million people across Britain have lost track of the number of pension pots they own.
Popular topics that you might be interested in
Sustainability Diversity Supporting business Housing Pensions Investment
Financial wellbeing ESG Fraud Digital skills Our people Group news
Discover all topics
Sustainability Diversity
Housing Pensions
Investment Fraud
Financial wellbeing ESG
Digital skills Our people


Fran Lebowitz in "Public Speaking"
At the start of "Public Speaking," Martin Scorsese's documentary on Fran Lebowitz, you might find yourself wondering, "Just how much adoration does an author of exactly two books deserve?" After all, the woman hasn't written a book for almost 20 years, yet she's heralded as one of the singular wits of her generation.
But then, if you take the time to flip through the pages of "Metropolitan Life" or "Social Studies" yet again, you'll find two truly great books that stand the test of time. And how many truly great books do most authors have in them?
The answer to that question, of course, is zero. Or as Lebowitz herself puts it when speaking to a roomful of young people, "There are too many books, the books are terrible, and it's because you have been taught to have self-esteem." This is Lebowitz's distinct talent: making elitist contempt sound charming.
Toni Morrison, a friend of Lebowitz's, puts it a little differently. "You seem to me almost always right," she tells Lebowitz. "But never fair."
"That's why," Lebowitz responds. "I'm always right because I'm never fair."
Most of us secretly wish that we could be as right and as unfair as she is. But the world has changed a lot since "Metropolitan Life" was first published in 1974. Being unfair isn't nearly as acceptable as it used to be. Today, people demand prose that is polite, respectful, nonjudgmental, and that never employs terms, phrases, suggestions or hints that could offend any segment of the population. People demand prose that isn't prose, in other words.
Contrast that with almost any assertion made by Lebowitz in "Metropolitan Life" or "Social Studies": Jews make good stand-up comedians. Sports are "dangerous and tiring activities performed by people with whom I share nothing except the right to trial by jury." Communism is unpleasant because "I do not work well with others and I do not wish to learn to do so." Children "tend to be sticky" and "respond inadequately to sardonic humor and veiled threats."
"Public Speaking" (premieres 10 p.m. Monday, Nov. 22, on HBO) is also packed with Lebowitz's clever observations, the most gratifying of which may be her reflections on the ways our culture has changed since her books were first published. "An audience with a high level of connoisseurship is as important to the culture as artists. That audience died in five minutes," she says, referring to the AIDS epidemic. These days, Lebowitz says, "everything has to be broader, more blatant, more on the nose." The problem? "Too much democracy in the culture, not enough democracy in the society."
Lebowitz's real strength, though, lies in explaining the different social classes to each other, either in her books or in Scorsese's film. In "Social Studies" she includes a "Glossary of Words Used By Poorer People" including meatloaf ("A gloriously rough kind of pate") and overworked ("an overwhelming feeling of fatigue, exhaustion, weariness. Similar to jet lag"), and outlines the trivializing effects of the international jet-setter ("What, after all, is London to a man who thinks of the whole Middle East as just another bad neighborhood and the coast of South Africa as simply the beach?").
In "Public Speaking," it's clear that, although Lebowitz might mingle with elites, her underlying affections lie with the common man -- as unsuitable as she might find his pants or his penchant for installing wall-to-wall carpeting in bathrooms. When the topic of how New York City has changed over the past two decades arises, Lebowitz says, "When a place is too expensive, only people with lots of money can live there. That's the problem. You can like people with money, hate people with money. But you cannot say that an entire city with people with lots of money is fascinating. It isn't."
Even if her writers block continues for another three decades, Lebowitz herself remains undeniably fascinating. Scorsese's documentary offers us a long overdue taste of her unique, queasily accurate perspectives on our culture -- always right, never fair and never disappointing.
Heather Havrilesky is a regular contributor to the New York Times Magazine, The Awl and Bookforum, and is the author of the memoir "Disaster Preparedness." You can also follow her on Twitter at @hhavrilesky.


text:
Alok Goyal's Puzzles Page
Puzzles for all ages!
Alok is a Venture Capitalist by profession, working with Helion Ventures as a Partner. Until recently, he was the Chief Operating Officer of SAP India Pvt. Ltd., a large global software company's India subsidiary. Alok was also a strategy consultant (with McKinsey & Company in India and The McKenna Group in California, USA) before starting his career as a software developer at Cadence Design Systems. Alok did his undergrad in Computer Science from IIT Delhi, a Masters in Computer Sciences from the University of Texas at Austin and an MBA from INSEAD, France. Alok is based in Gurgaon, and apart from puzzles, Alok is passionate about cricket, running, light & classical Indian music, hiking and sleeping on weekends. Alok is married to Pooja, and is a father of two lovely daughters – Anisha and Arushi – age 8 and 6.
Alok got hooked to puzzles at a very early age, initiated into puzzles by his father who was a Professor of Physics at IIT Delhi and himself an avid puzzler. During early years, family and friends were the primary sources of puzzles. While in high school (class XI), Alok's class teacher introduced Alok to the world of Martin Gardner, a popular American science and mathematics writer who wrote a column for Scientific American for 25+ years and created some of the most interesting collections of puzzles. Alok also met and enjoyed puzzling with many folks in IIT Delhi as well as the graduate school of Computer Science in Austin.
Hi Alok,
Finally a picture I could recognize! Everywhere else you were giving serious speeches in serious suites …not that there is anything wrong with that, of course.
Don't forget our math teachers (I do not remember their names …getting older I guess), in whose classes we had to sit and solve all the problems in the book.
aplusclick says:
Hi Alok, Some of your puzzles are cool. Try these ones: http://aplusclick.wordpress.com/2014/04/01/math-magic-to-predict-unknown/
Aru had told me about this! Looking fwd to going thru it! Not a puzzler myself but enjoy the mental exercise:)
Satish Vijayan says:
Nice puzzles Alok. Liked your articles on LI – in fact thats how I ended up here.
Solution to Puzzle #200: Achieve Your GOAL
Solution to Puzzle #199: Two-Cube Calendar
Puzzle #200: Achieve your GOAL
Solution to Puzzle #198: The Neural Network Puzzle
Puzzle #199: Two-Cube Calendar
Senthil Kumar VS on Solution to Puzzle #200: Achie…
Alok Goyal on Puzzle #200: Achieve your…
Vishal Poddar on Puzzle #200: Achieve your…
Abdul on Puzzle #200: Achieve your…
Mathematical Facts


Hillary was exceptional. She was passionate, professional, and truly supportive throughout the application process. I would highly recommend Hillary and the Shine team to any applicant looking to put his/her best foot forward.


text:
Target completion of the permanent housing project is in November 2023.
Tzu Chi volunteers from Manila flew to Palo, Leyte for a site survey on April 28 in line with the upcoming permanent housing project in Palo Great Love Village. The village, which was built in 2014, is composed of prefabricated houses and livelihood center for Typhoon Yolanda (international name: Haiyan) survivors.
Through the years, Tzu Chi has worked tirelessly to uplift the lives of the villagers since the tragedy of Typhoon Yolanda in 2013. In its disaster relief, rehabilitation, and recovery response in the province of Leyte, 280,000 residents were provided with instant hot rice; 68,000 families received cash and material aid; 300,000 residents benefited from the cash-for-work program; 8,400 patients were treated; and 600 temporary classrooms were built.
To continuously uplift the lives of the Palo residents, Tzu Chi will replace the prefabricated houses in the Palo Great Love Village with permanent houses. The livelihood center inside the village will also be improved with new facilities. It is targeted to be completed in November 2023, in time for Typhoon Yolanda's 10th year commemoration.
The Manila volunteers were pleased to see the villagers during their visit. Although some has already left, many families have happily stayed in the Tzu Chi village. "From what we learned from them, the reason why they stayed is because they really feel the peace inside our village," says Tzu Chi Philippines Deputy CEO Woon Ng.
Alice Tupaz, a resident of the village can attest to this. She's been living in the village since 2014, and has been working in the livelihood center as a seamstress. "When my husband got involved in an accident, I became the breadwinner of the family. The livelihood that Tzu Chi gave me has been a big help," says Alice, mother of five.
Blessed to have been a beneficiary for years, Alice wanted to pay it forward and became a volunteer in 2016. "I feel happy to help others. During relief operations, sometimes, you get really tired. But when I think that I'm doing this for others, it feels good," she says.
Alice has so much gratitude for Master Cheng Yen for the many things she learned from the Tzu Chi founder. "Life is impermanent. So, if you have time, do it now. And if you do good today, do good again tomorrow," she adds. "Thank you for being an inspiration to us. Because of your teachings, we get to help not only ourselves, but also others."
Little did Alice know that more blessings are coming for her. When she knew about the upcoming permanent housing project, she cried in joy and gratitude. "We're so happy. This is what I've been praying for," she says.
The project also gives a lot of hope for Geneve Aumentado, volunteer teacher at the Daycare Center. "I'm a single parent to two children and I also take care of my sickly mother. As the family's breadwinner, the house will surely help us," says Geneve.
Geneve recently joined Tzu Chi's Typhoon Odette response in Southern Leyte where they gave cash relief, rice, and blankets to the typhoon's victims. "Nothing compares to the joy of helping, especially when you see them crying in joy and thanking you. I feel my heart grows larger," she says.
Since becoming a volunteer, Geneve has been more environmentally-aware and has embraced vegetarianism. "Before I didn't care about the environment. All I wanted in life was to work and have an income. But when I became part of Tzu Chi, my life has changed," she says.
Because of the latest gesture of great love from the volunteers—with the blessing of Master Cheng Yen—she felt a new level of inspiration to continue the good work. "Thank you, Master Cheng Yen. You never left us."
Tzu Chi volunteers from Manila, led by CEO Henry Yuñez flew to Palo, Leyte for a site survey on April 28 in line with the upcoming permanent housing project in Palo Great Love Village. 【Photo by Daniel Lazar】
Tzu Chi volunteers from Manila flew to Palo, Leyte for a site survey on April 28 in line with the upcoming permanent housing project in Palo Great Love Village. 【Photo by Daniel Lazar】
Although some has already left, many families have happily stayed in the Tzu Chi village. "From what we learned from them, the reason why they stayed is because they really feel the peace inside our village," says Tzu Chi Philippines Deputy CEO Woon Ng. 【Photo by Daniel Lazar】
The Tzu Chi Great Livelihood Center houses a sewing facility, daycare center, recycling center, kitchen, and bakery that provide jobs to the Great Love Village residents.
"When my husband got involved in an accident, I became the breadwinner of the family. The livelihood that Tzu Chi gave me has been a big help," says Alice Tupaz, seamstress in the sewing center and a mother of five. 【Photo by Daniel Lazar】
"Nothing compares to the joy of helping, especially when you see them crying in joy and thanking you. I feel my heart grows larger," says Geneve Aumentado, Tzu Chi Daycare teacher and volunteer. 【Photo by Daniel Lazar】
Tzu Chi Philippines CEO Henry Yuñez, together with with project architect and engineer meet with Palo City Office of the Municipal Engineer. 【Photo by Daniel Lazar】
Tzu Chi volunteers pose for a group photo after the site survey and meeting with the Palo City LGU. 【Photo by Daniel Lazar】


text:
Mark Gruenberg
HomeAuthorsMark Gruenberg
Mark Gruenberg is head of the Washington, D.C., bureau of People's World. He is also the editor of Press Associates Inc. (PAI), a union news service in Washington, D.C. that he has headed since 1999. Previously, he worked as Washington correspondent for the Ottaway News Service, as Port Jervis bureau chief for the Middletown, NY Times Herald Record, and as a researcher and writer for Congressional Quarterly. Mark obtained his BA in public policy from the University of Chicago and worked as the University of Chicago correspondent for the Chicago Daily News.
LATEST ARTICLES BY Mark Gruenberg
Out of work bricklayer tells lawmakers what "hell" is like
December 3, 2010 By Mark Gruenberg
The 13-year veteran of Bricklayers Local 1 in New York has been out of work since October. And the West Babylon, Long Island, resident, who provides for his wife, two kids and 86-year-old mother who lives...
Trumka: more jobs solve deficit crisis
November 19, 2010 By Mark Gruenberg
WASHINGTON (PAI) - AFL-CIO President Richard L. Trumka is strongly reiterating the position that creation of more jobs will increase revenues and thus solve the nation's deficit and debt crisis.
Bad news for workers: Kline hates EFCA, opposes tougher OSHA penalties
WASHINGTON (PAI) - John Kline, the Republican who will take over the House Education and Labor Committee next year, hates the Employee Free Choice Act and opposes tougher penalties for job safety and health violations.
World unions say jobs first
The leaders of the world's unions are demanding that national leaders put jobs first as the way to get the globe out of its continuing deep recession.
Obama aide sees unionization as fix for economy
November 5, 2010 By Mark Gruenberg
WASHINGTON (PAI) - Legislation like the Employee Free Choice Act, which promotes collective bargaining, would help pull the U.S. out of its economic hole, a top White House official says.
Flight attendants to appeal narrow loss at Delta
Flight attendants will appeal their narrow loss in a union recognition vote at Delta airlines, saying their campaign fell victim to massive management intimidation.
In wake of election, labor must move on four tracks
WASHINGTON (PAI) - In the wake of massive losses of union-friendly lawmakers on Election Night 2010, the labor movement must re-group and re-think its strategy for accomplishing its goals, by moving on four tracks: organizing, mobilizing,...
Labor's final dash to the finish
October 29, 2010 By Mark Gruenberg
CHICAGO (PAI) - Union leaders and members are in a mad dash to the finish for the 2010 election cycle with leaders crisscrossing the country to concentrate on key races - even phone-banking on Election Day...


text:
GoGuardian Announces Strategic Investment from Sumeru Equity Partners; Appoints Education Veteran Tony Miller to Board of Directors
Partnership Accelerates Growth, Product Investment of SaaS Leader in Digital Learning & Safer Schools
LOS ANGELES–(BUSINESS WIRE)–GoGuardian, a leading education technology SaaS provider that powers K-12 personalized learning and enhances student safety, announced that Sumeru Equity Partners ("SEP")—a growth-focused technology investment firm—has made a strategic investment in the company to accelerate growth and product innovation. Alongside the investment, GoGuardian has appointed Tony Miller—accomplished technology executive and former Deputy Secretary of the U.S. Department of Education—to the company's Board.
GoGuardian currently serves over 5 million students in 10,000 schools across all 50 states, and is uniquely positioned to help educators support student growth. "Since our inception, GoGuardian's mission has been entirely focused on helping educators, students, and school administrators leverage technology to improve the teaching and learning experience," said GoGuardian co-founder, CEO and Board Director Advait Shinde. "We are excited to partner with SEP to expand our reach and invigorate classrooms across the country with innovative tools that meet the evolving needs of today's educators and students," said Shinde.
"SEP's emphasis on investing in customer-centric technology and track record of helping companies scale is aligned with our approach of serving schools in increasingly transformative ways. We welcome the partnership with SEP and Tony Miller as we look to make student-driven learning and holistic well-being the norm in K-12 education," Shinde said. "Research on schools' needs defines GoGuardian's product roadmap. This partnership will expedite the research and development process – helping us further support educators' goals of creating dynamic, interactive and safe learning environments."
SEP Managing Directors George Kadifa and Sanjeet Mitra added, "Over the last decade, we have observed the meaningful impact that innovative technologies have in significant enhancement of the student learning experience. GoGuardian's technologies are fulfilling this mission while supporting districts, teachers, and school administrators in ensuring productive K-12 classrooms and safe learning environments. From its founding, GoGuardian has taken a sincerely differentiated, school-centric approach and made significant investments to create a leading, modern platform. We are highly enthusiastic about partnering with Advait, the GoGuardian team, and Tony to contribute to the growth of the company going forward."
Tony Miller is an accomplished education and business leader, recently serving as Deputy Secretary and Chief Operating Officer for the U.S. Department of Education. He said, "More and more school districts, teachers, and students are using devices to improve learning in the classroom and at home. As the market leader in supporting the safe and effective use of these education technologies, GoGuardian plays a critically important role today and is uniquely positioned to deliver unprecedented value to schools, teachers, students, and parents going forward."
As part of the investment, majority shareholder SEP will add principals Kadifa, Mitra and Sean Kendra to GoGuardian's Board of Directors. The transaction closed in May 2018 and financial details were not disclosed. Vista Point Advisors, a San Francisco-based boutique investment bank, acted as the exclusive financial advisor to GoGuardian.
About GoGuardian
GoGuardian has changed the way K-12 schools maximize the learning potential of every student. Its SaaS products help educators identify learning patterns, protect students from harmful and distracting content, and support students who are at risk of self-harm. With GoGuardian, educators can easily engage students with more effective resources and communication. No other tool provides such actionable insight into student needs. As the only solution built exclusively by, for, and with educators, it's easy to see why 10,000 schools and 120,000 educators choose GoGuardian to engage with and protect over 5 million students.
Learn more about GoGuardian's industry-defining learning analytics, student engagement, and self-harm prevention products at www.goguardian.com.
About Sumeru Equity Partners
Sumeru Equity Partners is a technology-focused private equity firm that invests in middle market companies across software, technology-enabled services and hardware. The firm employs a growth-oriented partnership model with technology companies and typically invests $25-200 million per transaction. The firm was founded in 2014 by an experienced team from Silver Lake Sumeru, a private equity fund started in 2007 within Silver Lake. Sumeru Equity Partners utilizes extensive operating and investment experience in partnership with management teams to drive company growth and build strategic value. For more information please visit sumeruequity.com.
Rebecca Sadwick, 888-310-0410, ext. 630


The graph illustrates the variation of swells directed at Mothecombe through an average March and is based upon 2964 NWW3 model predictions since 2007 (values every 3 hours). The wave model does not forecast surf and wind right at the coastline so we have chosen the most applicable grid node based on what we know about Mothecombe. In the case of Mothecombe, the best grid node is 34 km away (21 miles).
The rose diagram describes the distribution of swell sizes and directions, while the graph at the bottom shows the same thing without direction information. Five colours illustrate increasing wave sizes. Blue shows the smallest swells, less that 0.5m (1.5 feet) high. These occurred only 26% of the time. Green and yellow represent increasing swell sizes and largest swells greater than >3m (>10ft) are shown in red. In either graph, the area of any colour is proportional to how often that size swell happens.
The diagram indicates that the prevailing swell direction, shown by the largest spokes, was WSW, whereas the the most common wind blows from the WNW. Because the wave model grid is out to sea, sometimes a strong offshore wind blows largest waves away from Mothecombe and offshore. We lump these in with the no surf category of the bar chart. To avoid confusion we don't show these in the rose diagram. Because wind determines whether or not waves are good for surfing at Mothecombe, you can load a different image that shows only the swells that were predicted to coincide with glassy or offshore wind conditions. In a typical March, swells large enough to cause clean enough to surf waves at Mothecombe run for about 29% of the time.