text:
A lady's maid is a female personal attendant who waits on her female employer. The role of a lady's maid is similar to that of a gentleman's valet.

Description
Traditionally, the lady's maid was not as high-ranking as a lady's companion, who was a retainer rather than a servant, but the rewards included room and board, travel and somewhat improved social status. In the servants' hall, a lady's maid took precedence akin to that of her mistress. In Britain, a lady's maid would be addressed by her surname by her employer, while she was addressed as "Miss" by junior servants or when visiting another servants' hall.

A lady's maid's specific duties included helping her mistress with her appearance, including make-up, hairdressing, clothing, jewellery, and shoes. A lady's maid would also remove stains from clothing; sew, mend, and alter garments as needed; bring her mistress breakfast in her room; and draw her mistress's bath. However, she would not be expected to dust and clean every small item, as that would be the job of a housemaid.

Examples of lady's maids
 Catherine Bellier (1614–1689),  to the Queen of France, Anne of Austria.
 Maria Molina (17th century),  to the Queen of France, Maria Theresa of Spain.
 Juliana Schierberg (d. 1712), lady's maid to princess Hedvig Sophia of Sweden.
 Nicole du Hausset (1713–1801), lady's maid to Madame de Pompadour.
 Juliane von Schwellenberg (1728–1797), lady's maid to Charlotte of Mecklenburg-Strelitz, queen of Great Britain.
 Ingrid Maria Wenner (1731–1793), lady's maid to Sophia Magdalena of Denmark, queen of Sweden.
 Julie Louise Bibault de Misery (1732–1804),  to the Queen of France Marie Antoinette.
 Maria Perekusikhina (1739–1824), lady's maid to empress Catherine the Great.
 Jeanne Louise Henriette Campan (1752–1822),  to the Queen of France, Marie Antoinette.
 Marianne Skerrett (1793–1887), the principal lady's maid (with the title "Dresser") to Queen Victoria of the United Kingdom between 1837 and 1862.
 Bertha Zück (1797–1868), lady's maid to Josephine of Leuchtenberg, queen of Sweden.
 Frieda Arnold (fl. 1854–fl. 1859), lady's maid to Queen Victoria of the United Kingdom between 1854 and 1859.
 Pepa Pollet (fl. 1870), lady's maid to Eugénie de Montijo, empress of France.
 Marie von Flotow (1817–1909), the lady's maid and influential favourite of the Russian Empress Maria Feodorovna (Dagmar of Denmark).
 Anna Demidova (1878–1918), lady's maid to Alexandra Feodorovna (Alix of Hesse), tsaritsa of Russia

Fictional lady's maids
Susanna in Mozart's 1786 opera The Marriage of Figaro
Martha Abbott, Mrs. Reed's maid in Charlotte Brontë's 1847 novel Jane Eyre
Mrs. Firkin, Miss Crawley's maid in William Makepeace Thackeray's 1847 novel Vanity Fair
Joan Valentine in P. G. Wodehouse's 1915 novel Something Fresh, and Claire Lippett in Wodehouse's 1925 novel Sam the Sudden
Hildegarde Schmidt in Agatha Christie's novel Murder on the Orient Express (1934), and Louise Bourget in Christie's Death on the Nile (1937)
Clarice in Daphne du Maurier's 1938 novel Rebecca.
Dora Moxton in Noël Coward's 1951 play Relative Values
Rose Buck and Maud Roberts in the television series Upstairs, Downstairs (1971–1975)
Jeanette Robbins in the television series Dynasty (1981–1989)
Mary MacEachran in the film Gosford Park (2001)
Sakuya Izayoi from the Touhou Project game series, lady's maid to Remilia Scarlet.
Brigitte, Brigitta, Olivia, and Priscilla in the 2004 film The Princess Diaries 2: Royal Engagement
Sophie Collins, Jessamine's maid in Cassandra Clare's book trilogy The Infernal Devices (2010–2013)
Anna Bates, Sarah O'Brien, and Phyllis Baxter in the television series Downton Abbey (2010–2015)
Madri Visudharomn and Patravadee Varoprakorn in the Crazy Rich Asians franchise (2013–present)
Gwynne in the 2015–2016 television series Galavant

See also
 Chamber woman
 Domestic worker
 French maid
 Handmaiden
 Housekeeper
 Maid

 Valet

References

 Lady
Domestic work


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text:
Sorority rocks for charity
Rich Shivener
Karen Lunn
Northern Kentucky University sorority Phi Sigma Sigma raised nearly $2,000 for the National Kidney Foundation after 27 hours of rocking chairs, loud music, and sore butts,
The sorority's charity event, the "Punk Rock-a-thon," was held in the UC recreation room and started Wednesday at 9 a.m. Karen Lunn and Amanda Trufan, members of Phi Sigma Sigma, coordinated the charity event.
"It's a really big deal to us," Trufan said. "A lot of our girls have dealt with (kidney problems) in their families."
Each member of the sorority raised and donated a minimum of $25 to the National Kidney Foundation. The members either received pledges from supporters by rocking in rocking chairs or paying out of their own pockets.
During the afternoon, the sorority sponsored "Lunch for a Buck" and served pizza and soft drinks while a DJ, played music.
Later that night, three bands performed. Last in Line, an acoustic duo, opened. "We were really surprised; we didn't think there were going to be that many people here," Mike Dweigan, said guitarist of Last in Line.
The Post-its, a ska/punk band, played next, and they stirred up the crowd of sorority women and fans with their rendition of Third Eye Blind's "Semi-Charm Life."
Following the trend, the last band played a few popular songs as well. By the time this band finished their performance hardly anyone stood still.
"I know all the girls and all the fraternities had just an absolutely wonderful time with all the bands," said Denise Dirkes, president of Phi Sigma Sigma.
The bands played the charity event for free but received pizza and other gifts for their time. "We've done a lot of different things with (organizing) our Rock a Thon," said Dirkes. "Bringing in the bands just makes all the fraternities and sororities more interested I think."
The sorority later held a Texas Hold'em tournament, which lasted from 1 to 2 a.m. The proceeds of the tournament also went to the National Kidney Foundation. The Rock-a-thon came to a close about noon on Thursday.
Even though Phi Sigma Sigma didn't meet their $3,000-dollar goal, they were happy with the results. "We just hope that we raise awareness for the National Kidney Foundation and let people know that when people go through dialysis they have to rock," Dirkes said. "And it is time consuming so we just kinda want (people) to feel what they feel."
Diana Ruesch, a member of Phi Sigma Sigma "rocked" for nearly 15 hours. "We had a lot more people that came out and supported us this year" said Trufan. "We might not have made as much money as we hoped to but overall, it was a bigger success."

redpajama_set_name: RedPajamaCommonCrawl


Gateway Specialty Insurance has top rated markets to quote package or monoline insurance for a nonprofit chamber of commerce.
Get a quote for a nonprofit chamber of commerce by completing an application.
The trustees of the chamber of commerce decided to expand their activities into areas that were not explicitly envisioned by the founders. Their state's attorney general brought an action against them alleging misuse of funds and property for operating outside their charter, even though no third party had raised a complaint.
A local chamber of commerce published a quarterly newsletter. The newsletter included a tourism section, promoting places of interest, attractions, restaurants, etc. A new restaurant approached the chamber with a request to advertise in the upcoming issue. The chamber agreed and accepted a minimal advertising fee from the restaurant. It was discovered on the release of the next issue that the Executive Director never expedited the restaurant request and actually kept the money. The restaurant, in turn, sued the chamber for breach of fiduciary duty, breach of contract and interference with economic interests.
A chamber of commerce advertised an open position for a secretary. The organization received seven applications. Only one applicant was a male, who was 57. He was not interviewed. He alleged he was not interviewed because of his age and filed suit against the organization for age discrimination.
A guest at a beer garden event sponsored by the chamber of commerce was struck on the head with a beer can thrown by a bartender. The guest filed a claim due to bodily injury.
A chamber of commerce was holding their monthly membership meeting at a local hall. One of the attendees tripped on an extension cord the chamber was using for a presentation and broke his leg. He then filed a suit against the chamber to cover his medical expenses for his slip and fall.
A few vandals threw rocks and broke the door and window glass to a local chamber of commerce as well as other buildings in the area. The chamber was forced to purchase wood to board up the open spaces and later replace the broken glass.


text:
Q: Modify height after dynamic create with each I have a fluid composition in columns with isotope:
<template name="iso">

</template>

I filled the template, and I need when the anchor = taller , the width = 25% and the height is the same *2. square is 25% and the same height, and wider is 50% and the height is /2.
in js:
template.iso.onRendered= function(){
  $('.square').heigth() = $('.square').width
  $('.toller').heigth() = $('.square').width * 2
  $('.widen').heigth() = $('.square').width
};

But, onRendered runs before the rendering of the {{#each}}, I have all of the divs, but the heights don't change.
Any solution?
(sorry for my English I don't write well)

A: i solve this with
Template.home.rendered = function() {
    if (!this.rendered){
        //the data is there but dom may not be created yet
                //$("img").unveil();
                var altoBase =  $('.isotope').width() / 5;
                var altoDoble =  altoBase * 2 ;

                $(  ".carta").each(function( i ) {
                    if ($( this).hasClass('alto') ) {
                        $( this ).css({
                            height: altoDoble + 'px',
                            backgroundColor: "green"
                        });
                    } else {
                        $( this ).css({
                            height: altoBase + 'px',
                            backgroundColor: "white"
                        });
                    }
                });
                var self = this;
                self.selection = this.$('.isotope').isotope({
                    itemSelector: '.carta',
                    masonry: {
                        gutter: 0
                    }
                });
    }

};
this solution is ok for isotope as well

redpajama_set_name: RedPajamaStackExchange


text:
Top 7 Crypto Twitter Accounts to Follow
Along with Reddit, Twitter is the top platform for communication among crypto enthusiasts. If you follow a dozen most popular accounts, you will not only stay aware of what is happening in the market, but will also get a deeper understanding of the cryptocurrency world.
In this article, we collected the top seven Twitter accounts with a wide outreach, great number of subscribers, and high impact on the crypto industry. Follow them to stay tuned to what's happening in the crypto world.
1. Vitalik Buterin, Ethereum co-founder
Vitalik Buterin is one of the key players in crypto. He learned about Bitcoin very early from his father and quickly founded Bitcoin magazine, one of the first crypto-focused resources. In 2013, he introduced an improvement proposal to increase Bitcoin's scalability, but it was rejected, and Buterin founded Ethereum. Five years following its launch, the protocol started a large-scale transition to Ethereum 2.0 that is supposed to finish by 2022.
Vitalik actively tweets about all major events taking place in the crypto world. But his Twitter is of interest not because he simply comments on the news or has discussions with Elon Musk. Buterin offers a thorough analysis of crypto events and critically reviews major issues of the industry. He has his own philosophy and vision of the future based on the decentralization of the internet and governance. Each Buterin's tweet is full of this philosophy, and that's why it's interesting to follow him.
2. Changpeng Zhao, CEO Binance
Changpeng Zhao, or simply CZ, is the founder of Binance — an exchange that rocked the crypto world back in 2017. Once launched, Binance offered a great choice of assets and low fees, which allowed it to surge to a $0.5B daily trading volume in just 3 months. CZ became one of the first crypto billionaires, and by 2020, Binance reached a total of $2 trillion in trading volume.
In one of his security announcements on Twitter, CZ made a funny typo writing "funds are safu". It went viral and turned into a crypto meme, which added popularity to CZ. Now, his Twitter is full of news from Binance, airdrops, and sometimes thoughts on serious controversial topics worth reflecting on.
Follow CZ if you don't want to miss Binance news affecting the entire crypto industry and the price of BNB.
3. Charlie Lee, Litecoin creator
Charlie Lee is best known as a Litecoin creator. He learned about Bitcoin while working at Google; first, he started mining it, and then decided to build his own crypto coin. He quit Coinbase where he was working as an engineering director at the time and sharted developing Litecoin as a rival to Bitcoin.
Unlike Craig Wright, the creator of BSV, Lee has never questioned the importance of the original Bitcoin. During its rapid rise to $7K in July 2018, he wrote a tweet that became one of his most trending publications at that moment:
In his Twitter, Charlie Lee criticizes Dollar, hails Litecoin, and posts numerous updates on his brainchild crypto. Lee also raises such important issues for crypto as security, fungibility, and many more.
4. Andreas Antonopoulos, Bitcoin expert and educator
Andreas Antonopoulos is one of the most respected authors and educators in cryptocurrency. Besides his Twitter with over half a million subscribers, he also speaks publicly in podcasts and on such platforms as Bloomberg, BBC, and CNN. Antonopoulos' books "Mastering Bitcoin" and "Mastering Ethereum" are considered among the best ones in the industry; another book of this series dedicated to Lightning network will be released later in 2021.
In 2017, many crypto enthusiasts learned that Andreas Antonopoulos was working for free for a long time and had just recently gotten out of his debt. This shocked the community as many were guessing that Antonopoulos should have been a Bitcoin millionaire by the time. After he said that he had bought some Bitcoin and sold it in 2013 to pay rent, supporters donated him about 100 BTC.
Follow Antonopoulos on Twitter if you are interested in quality educational content in crypto.
5. Naval Ravikant, a crypto investor and tech philosopher
Naval Ravikant's Twitter starts with a thread on "How to Get Rich (without getting lucky)." Although posted in 2018, it remains highly relevant until today.
Ravikant is an investor and a crypto maximalist who believes in the future of decentralization and privacy for cryptocurrency. He has invested in the algorithmic stablecoin protocol Fei and Chia Network; among his non-crypto investments, there are Uber, Twitter, and Foursquare. Once, Ravikant was operating MetaStable Capital hedge fund, but now, he's more of a tech philosopher.
Ravikant' Twitter may not be the most obvious recommendation of a crypto source to follow: his tweets are mostly general thoughts that don't seem to have close connection with digital assets at the first glance. However, this way Ravinkat shares his rich experience in crypto, and it will be useful to follow him for anyone who wants to launch a project or simply learn from a seasoned market influencer.
6. Adam Back, Bitcoin developer and enthusiast
Adam Back is a Bitcoin developer and maximalist sometimes considered the founder of the first cryptocurrency. On the contrary, according to forums, Back was the first person contacted by Satoshi Nakamoto, and the question was about Hashcash — a verification algorithm that Back created. The developer denied being Satoshi and even claimed that it would be better for us not to know his identity due to our hierarchical mindset.
Besides numerous funny GIFs about Bitcoin on Back's Twitter, you can see news about BTC, updates of Bitcoin-based projects such as Lightning, and thoughts regarding the nature and future of Bitcoin.
7. Laura Shin, a crypto journalist
168К Followers
Laura Shin is a journalist who runs Unchained and Unconfirmed podcasts, promotes blockchain technology, and writes books: her work "The Cryptopians: Idealism, Greed, Lies, and the Making of the First Big Cryptocurrency Craze" on the 2017 ICO mania became available for pre-order this May.
In her Twitter, Shin posts interviews with crypto influencers and news about the events in the industry. For instance, on August 15, she tweeted an interview with a security researcher on the recent biggest-ever $600 hack, and a few days before, she retweeted a piece of data showing that capital stored in the Bitcoin network just broke an all-time-highs. Shin also keeps track of NFT and collects hot tweets helpful for everyone who's interested in the subject.
Subscribe to the channels listed above and you'll stay tuned to the crypto market. These 7 influencers, however, are just the tip of the iceberg (the crypto Twitter is huge) — but we brought together people from different domains and with different views, so they represent different opinions, which will allow you not only learn about the news, but better understand the ideology behind crypto.
If you feel like taking a step further, subscribe to those whose tweets were retweeted by the persons from our list. And if you want to learn more about cryptocurrency, don't miss our article with 10 Tips For Staying Safe In Crypto.
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Video: Title Matt Ginella shows off the places to play and stay in San Antonio, Texas. Watch Morning Drive on Golf Channel.
Matt Ginella shows off the places to play and stay in San Antonio, Texas. Watch Morning Drive on Golf Channel.


Moving your quality assurance journey forward can involve small steps or giant leaps. In the case of the University of Alaska Fairbanks, their small step led to a giant leap and set them on a path of quality that helps the University stand out from the competition, improve internal processes and better meet the needs of its students. Discover how a small step can lead to a giant leap and move your quality assurance journey forward, resulting in numerous benefits for both faculty and students.
The Ohio Quality Matters Consortium offers insight into engaging and energizing faculty participants in the Higher Education Applying the Quality Matters Rubric workshop.
Troy University's distance learning initiative, eTroy, discusses using Quality Matters not only for the peer-review process and professional development, but they also are using QM to establish a mentoring program for new online faculty.
Notre Dame of Maryland University was working to standardize its quality assurance efforts. Their work with Quality Matters provided faculty with what its like to be an online learner while also learning the pedagogical nuances of online teaching.
Impact of Quality Matters Professional Development workshops and courses at Quinsigamond Community College.
Quality Matters has served two purposes at Broward College: Quality assurance of online and blended course and in supporting their re-accreditation efforts.
A look at how a community college uses QM.
Why did Excelsior College subscribe? They were looking for a standard that would ensure the development of high quality courses in their online program. QM is a national standard in use by so many institutions, it just made sense.


text:
https://celticswire.usatoday.com/2019/11/15/watch-romeo-langford-injures-ankle-heads-to-locker-room/
WATCH: Romeo Langford injures ankle, heads to locker room
Sean Berry/NBAE via Getty Images
Quenton S. Albertie
November 15, 2019 8:02 pm ET
Boston Celtics guard Romeo Langford, only recently assigned to the Maine Red Claws for the second time this season, has injured his ankle against the Fort Wayne Mad Ants after attempting to block a shot and getting his legs tied up with Mad Ants guard Brian Bowen III just seconds into the second quarter.
There's been no specific diagnosis on Langford's injury as of yet although the rookie appeared to roll his right ankle. Per an announcement from the Red Claws (h/t MassLive's Tom Westerholm), Langford won't return to the game due to his ankle injury.
Langford exited the game with a plus-minus of -1 and missed both shots he took in the seven minutes he played.
Here's Romeo Langford hurting his right ankle in Maine and limping off. pic.twitter.com/FDsj3gj2Bg
— Chris Forsberg (@ChrisForsberg_) November 16, 2019
Though talented and the situation unfortunate, Langford is quickly earning the label of injury-prone, having sustained a groin injury, spraining a knee and now — likely — spraining his ankle in the period of two months. These injuries are only setbacks to his development and integration with the team, which is why he's playing in the G League despite being a lottery pick (14th overall).
Looking ahead, there's a possibility that Langford will miss Maine's contest against the Raptors 905 on Saturday as well.
Celtics' Payton Pritchard seeking larger role in the future
Alex Reed
More Injuries


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Basically, there are two categories of mortgages: the fixed-rate and the adjustable-rate mortgage (ARM). Within these categories, there are some variations. However, in nearly all mortgages two factors are usually at odds: how predictable the payments are and how low, or affordable, they are at least initially.
Not long ago, there was only one kind of mortgage: 30-year fixed rate (the borrower has 30 years to pay back the mortgage at a fixed interest rate and the payments are the same over the life of the loan). It is still the most common home loan.
Borrowers choose fixed-rate loans because the mortgage payments are steady and predictable, allowing for easier household budgeting and planning. The payments are the same over the life of the mortgage, regardless of interest rate changes. Initially, both the rate and mortgage payment are higher than those of an adjustable-rate mortgage, but the payment is lower than that of a 15-year fixed-rate mortgage (see below). People who choose a fixed-rate mortgage usually are planning to keep their home and mortgage for several years.
This type of mortgage enables you to own your home in half the usual time, meaning you could possibly own it before your children start college or you reach retirement. Because the loan is shorter, you pay substantially less in the total interest over the life of the loan, often less than half the total interest of a 30-year fixed-rate loan. However, because the term is shorter, the monthly payments are higher than those of a 30-year mortgage. For people who can afford the higher monthly payments, this is an excellent choice, with lower total costs and a shorter term. Qualification for this type of loan may be more difficult because the income requirement may be higher.
This is a special kind of fixed-rate mortgage that offers relatively low, fixed payments as though it were a standard 30-year fixed-rate mortgage. After a few years—usually five to seven years—the mortgage term ends with a single large payment (the "balloon") for all the remaining principal. Borrowers generally have the option to refinance their balloon mortgage to a fixed-rate loan at the end of the term. The balloon is considered a short-term loan that offers rates and steady payments that are usually lower than those of conventional fixed-rate mortgages. Because the term is quite short, the total interest paid is significantly less than a conventional mortgage if the house is sold before the balloon payment comes due.
People who choose this type of mortgage usually don't plan to stay in the home for very long and expect it to appreciate in value quickly. They expect to sell it before the maturity date when the balloon payment is due, but if they do not sell, they must refinance because all remaining principal is due. If they do refinance, they take the risk that interest rates may be much higher than when they got the balloon loan. If the house doesn't appreciate as expected, the owners may end up owing all remaining principal plus additional settlement costs if they sell after the balance is due. As noted below, this type of loan may not be available when the housing market slows down.
In general, adjustable-rate mortgages can offer lower interest rates and mortgage payments at first because the borrower assumes the risk of changes in interest rates. Usually borrowers choose ARMs because the lower initial payment makes the home more affordable at first, but the borrower must be willing to accept the risk of an increased mortgage payment, which can sometimes be significantly higher.
After a specified period of time, the interest rate and payments on an ARM are adjusted based on changes to a specific interest rate index (such as the U.S. treasury bill rate). These adjustments occur at times specified in the ARM disclosure you receive from the lender and can result in payment increases. There is always a floor cap, payment cap, and life cap on the rate. It's important to understand all the aspects of ARMs before you make your decision.
People who choose an ARM usually are intending to sell or refinance before the rate adjusts upward. They also may expect income to increase over time. These borrowers must be confident they could afford the post-adjustment higher payments if they cannot refinance or sell.
NOTE: Fluctuations in the economy often determine whether certain types of the loans listed below are available. During times of slow housing markets and high foreclosure rates, some types of ARM loans listed below may not be available. This is because ARMs are riskier to the borrower and lender, and when the economy is slow, they become even more risky. Just like borrowers, lenders do not want to risk handling foreclosures.
There are two types of hybrid loans: those that begin as a fixed-rate loan and convert to an ARM and those that begin as an ARM and convert to a fixed rate.
The first type of hybrid ARM offers the predictability of a fixed-rate mortgage at a lower rate for an initial specified period, such as two, three, five, seven or 10 years. This ARM starts as a fixed-rate mortgage, then converts to a one-year adjustable ARM at the prevailing interest rate, plus an additional amount or margin. The adjustment from the fixed-rate period to the ARM and subsequent adjustments can result in significant mortgage payment increases at each stage. The rate is capped at specified amount, so mortgage payments will stop increasing when the rate cap is reached.
People who choose this type of hybrid ARM usually want a predictable payment for a period of time and plan to refinance or move before the rate adjustment. Borrowers must be confident that if they stay in the home, they can afford higher monthly payments after the fixed-rate period ends.
This type of mortgage is a hybrid ARM that offers a fixed rate for a set time and adjusts only once—usually at five or seven years. After that the interest rate is adjusted to market conditions at the time.
A convertible ARM is a hybrid ARM that allows you to start with a lower-rate ARM and convert to a 30-year fixed loan at a specified conversion rate. In other words, at a specified time, the rate stops adjusting and remains the same for the rest of the loan. However, if the interest rate is at a higher level when it's time to convert, you may not want to do it. In that case, the loan would become a regular ARM, which would continue to adjust. A convertible mortgage enables you to have initially lower payments with the option to make it a fixed-rate mortgage at the time of conversion, when payments could go up. Borrowers must be confident that if they stay in the home, they can afford higher monthly payments after the lower-rate period ends. There is usually a fee to be paid when the loan converts, and the rate can be slightly higher than the going rate for fixed-rate loans.
After the option period, mortgage payments increase. In some cases, payments may increase before the option period ends. This happens when borrowers choose to make only the minimum payments that do not cover the interest on the loan; the unpaid interest is added to the balance of the loan so the loan balance actually goes up instead of down; this is known as "negative amortization." When the loan balance reaches a certain specified amount, the payments will go up regardless of when the option period ends. Borrowers then must begin making significantly higher payments to lower the loan balance. Paying only minimum payments can increase the amount that is owed to the point where the borrower owes more than the home is worth.
People who choose a payment-option ARM usually want flexibility in making payments and may have an income that is uneven over the year. Common examples are commissioned salespeople who may receive their income in a few large and unpredictable disbursements over the course of a year, as opposed to a steady monthly or bi-weekly paycheck. These borrowers must have sufficient income to cover adjustments, and they often plan to refinance or move before any uncomfortable adjustment occurs.
A 2/28 (3/27, etc.) ARM is a type of hybrid adjustable-rate mortgage in which the rate is fixed at a higher rate than the fully indexed rate for the first two years, then adjusts for each of the next 28 years, unless refinanced, to the value of a rate index at that time, plus a margin . These margins can be high, so the payment almost always goes up even if market rates are the same or lower. For example, the rate is 8 percent for two years and the index is currently 4 percent, but the margin at the end of two years is 6 percent. Even if the index remains at 4 percent after two years, the loan rate will jump to 10 percent.
These loans often are offered to borrowers with lower credit scores who may not qualify for a conventional loan. The idea is to give these borrowers two years to rebuild their credit and become eligible to refinance at a better rate. These borrowers may avoid PMI (see What's in a Mortgage Payment ?) because often the two-year ARM is for 80 percent of the sales price and is combined with a loan on the other 20 percent that usually has a fixed rate with a balloon payment. This enables borrowers to finance 100 percent of the loan (but not the closing costs.) Those who get a 2/28 usually plan to refinance in two years, but it is important to make sure the prepayment penalty does not run past the two-year mark.
An interest-only option can be a feature of any type of loan; however, it is typically available only for a limited time, after which payments go up sharply. Paying only the interest enables you to make lower payments without increasing your loan balance. At the same time, however, the balance does not decrease and you do not build equity unless the home goes up in value. If the house value doesn't go up, you may owe money if you sell. In most cases, you can make principal payments at any time during the interest-only period.
People who choose a mortgage allowing interest-only payments usually are those who plan to move (or less often, refinance) before the interest-only period ends; expect their income to increase sharply; receive large bonuses at certain times of the year; or reasonably expect the value of the house to rise sharply. They must budget wisely and be willing to make lump-sum payments, steering clear of using that money for other purposes. These borrowers must be confident that if they do remain in the home or cannot refinance, they could afford the higher monthly payments. At the end of the fixed period, you must refinance, pay a lump sum or start paying on the principal.
This type of loan is only for those who have trouble verifying all of their income. These usually include self-employed borrowers, commissioned professionals, or service-industry professionals (bartenders, waitresses, hair stylists, etc.) who rely on tips for a substantial part of their income. The lender does not require proof of income and assets. No ratios (debt-to-income or housing-to-income) are considered. The interest rate can be significantly higher because the lender is assuming a higher risk of default. A larger downpayment also may be required, the and credit score usually must be very high.
A pre-payment penalty can be part of any type of loan, so you should check with the lender to find out whether the loan you want carries this type of penalty. However, loans with these penalties may offer initially lower payments in exchange for a promise to pay a specified lump sum if the borrower refinances the date specified in the mortgage agreement.
This type of mortgage enables you to get a lower interest rate by paying a lump-sum fee or by paying a fee that is financed over the life of the loan. Buydowns are similar to paying "points" (see All About Interest Rates ), but they usually are paid by the seller or the builder as an incentive to make a sale by creating lower monthly payments. Be aware that the cost of those points may be included in the selling price, and you could end up paying more for a house than its appraised value.
There are two types of buydowns: temporary and permanent. A temporary buydown lowers the interest rate and the monthly payments for the first few years of the loan. The most common type of temporary buydown is the "3-2-1" buydown. For example, an 8-percent loan with a 3-2-1 buydown would have a 5-percent interest rate the first year, a 6-percent interest rate the second year, a 7-percent interest rate the third year, and an 8-percent interest rate beginning the fourth year through the life of the loan. This type of buydown will generally cost three to four points – that's $6,000 to $8,000 on a $100,000 loan. A permanent buydown lowers the interest rate for the life of the loan. Again, this type of buydown will generally cost six to eight points and may reduce the interest rate by only 1 percent for the life of the loan.
A note on home prices: While over the long term homes have historically increased in value, short-term ups and downs in the real estate market can affect some borrowers who are planning to move or refinance prior to any rise in rates and payment. A fall in home prices may make it much more difficult for this borrower to sell or refinance without losing money.


Melbourne digital agency Loud&Clear has appointed Fiona Wilhelm to the newly created role of general manager, effective immediately.
Wilhelm brings over a decade of digital advertising experience to the agency, having previously worked at Saatchi & Saatchi, Tag Worldwide and JWT London and more recently as the interim general manager at Huckleberry.
The Melbourne based digital agency was recently announced a Finalist at the Telstra Business Awards, is Australia's 31st fastest growing company according to the BRW Fast 100 and placed on the Deloitte Australia Tech Fast 50 list.


"What is Project Titan Review and Empower Network" written by Mike Marko.
Due to the NDA (non-disclosure agreement) I can't tell you much at this point.
But this is what I can tell you at this point.
So let's start off with telling you a bit about what it is.
Project Titan is a new product and opportunity within Empower Network.
Due to legalities…many marketers will be refraining from sharing all of the details with you out of fear of getting sued by the company because of the NDA.
That tells you a lot, right?
The funny thing is that people are expected to join based on hype and not on substance. To me that should raise red flags right from the onset.
There are many within Empower Network that believe that Project Titan will 'rejuvenate' the Empower Network company and opportunity and some claim that there are many Ex-Affiliates rejoining the program in droves.
Personally I haven't seen it yet.
Now don't get me wrong, my roots started with Empower Network and I have a lot of respect for the company. But at this point it's difficult to keep buying into the "dream".
We used to be a top earners at Empower Network and was all over their leader boards. Below is just an example of the results we achieved.
But with the new Project Titan by Empower Network we're just not feeling it yet.
So basically since it goes through your smartphone, you are marketing to friends and family in your contacts.
Seriously, if you have a home business or a brick-and-mortar business, there is a much better way to market it online than falling for the hype.
You need to work with online mentors and consultants that have had a proven history of success, and can tailor the marketing plan to suit your business and your persona needs. There is no one-size-fits-all solution.
That's where I can come in and help.
If you need help with your online business and are looking for a mentor or online marketing consultant. Ask me to see if you qualify for our free strategy session.
Please also check out this IPAS 2 Review and this Jeunesse review. And check out this Nerium review.


It has become increasingly more important for final parts to be characterized to guarantee that they will function properly. NSL Analytical works efficiently to deliver the most accurate and timely results to our customers operating within the Aerospace industry.
Our analytical testing lab is staffed with experienced chemists and lab technicians who are trained to accurately analyze and quickly report on a wide variety of material types, including metals, alloys, ceramics, polymers, and composites.
NSL Analytical has the necessary technology to meet critical turnaround times while providing reliable and accurate test results to assure product quality. Trust NSL Analytical for all of your elemental chemical analysis needs.
Our skilled team members conduct failure analysis, quality control and chemical analysis testing on all electronics devices, and we accurately report the results in a timely manner.
Medical devices vary widely in both materials and structures, so NSL Analytical characterizes medical devices with an assortment of chemical, mechanical, and physical analyses using our advanced instrumentation.
NSL Analytical's team of qualified experts specifically analyzes products for manufacturers, delivering accurate and timely reports verifying that the beneficial chemicals they claim are present within their products.
Our experienced staff, advanced instrumentation, and metallographic analysis capabilities assure nuclear power plant operators that their construction materials will function as designed.
Trust, Technology, Turnaround - NSL's quality statement! The team shares how you can TRUST our testing results with our TECHNOLOGY for quick a TURNAROUND! Check out our videos.
NSL Analytical Services, Inc. is a proud sponsor of DomesDay, held annually during the MS&T Tradeshow. Be sure to check out the highlights from last year's ASM International Geodesic Dome Competition.
Since 1945, NSL has helped customers reach the highest standards of product quality from design to product launch. Whether you require material characterization, process evaluation, failure analysis, quality control, or specialized testing, you can trust the chemists, metallurgists, and technicians at NSL Analytical to provide accurate, reliable and repeatable testing results.


On behalf of Law Office of Laura L. Davenport posted in Child Custody on Tuesday, June 27, 2017.
Deciding how to parent after a divorce may just be one of the biggest challenges Louisiana couples face when they end their marriages. As societal views on parenting have changed, so has the way that parents deal with child custody issues. In the past, one parent (often the mother) had sole custody of the children with visitation for the other parent (often the father). Thankfully, times have changed and now parents often continue to share the parental duties as much as possible, which usually benefit everyone in the family, especially the children.
Louisiana parents need to be aware of the fact that joint custody and shared parenting time are not equal. Shared parenting time does not require or imply a 50/50 split of time between each parent. Instead, parents can come to an arrangement regarding parenting time that best suits their schedules and the schedules of the children. Many parents attempt to get the time they each spend with the children as close to equal as possible without causing undue stress to the children.
Parents who choose a shared arrangement also share equally in the major decisions that may substantially affect the futures of the children. This often includes religious training, education and health care, among other things. Parents can also determine how to best share the financial needs of the children that may arise above and beyond any obligation to pay child support.
Sharing child custody allows each parent to remain involved in the lives of the children. Even when a marriage ends, parents can continue to work together for the best interests of their children. To make sure that any agreement the parents devise will meet with the approval of the court, it would be advantageous to involve an attorney in negotiating, drafting and executing the agreement.


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Alix Acquires Cross Lake Lithium Property, Manitoba
Alix Resources Corp (TSXV:AIX) has acquired a 100-per-cent interest in the Cross Lake lithium property located about 528 kilometres north of Winnipeg, Man.
The Cross Lake Property comprises one Mineral Exploration Licence (MEL 1050A) encompassing 5,040 hectares and is located about 4 km southwest of the community of Cross Lake. The property covers the Cross Lake pegmatite field, including the Liz Lithium prospect, located on Spodumene and Metis Islands in the southwestern corner of Cross Lake. The granitic pegmatites form an 8 km-long, en echelon and lenticular swarm south of Cross Island dipping 45degree north.
The Cross Lake Property was explored from the late 1970's to 1981 by the Tantalum Mining Corporation of Canada Limited ("TANCO"). The Company discovered tantalum (Ta) and niobium (Nb) oxide mineralization in granitic pegmatites. TANCO, was the operator of the Tanco mine, located at Bernic Lake, in southeastern Manitoba (now owned by Cabot Corporation), which was North America's largest producer of spodumene, tantalum and cesium.
In 1980-1981, TANCO drilled 23 diamond drill holes totaling 2,483 m. Several holes intersected zones of spodumene mineralization (e.g. up to 40 % spodumene in hole # 3 over a 1.3 m width). Moreover, 20 m-thick spodumene-rich intersections in individual and/or multiple intervals were encountered. The core was analyzed only for tantalum and tin. The documented occurrences of spodumene showings and the geological data base from TANCO's drilling campaign present a compelling target with a potential to discover and define new lithium resources.
President and CEO Michael England commented, "We are pleased to add the Cross Lake property to Alix's expanding portfolio of lithium projects, with key spodumene (hard-rock) projects now held in Quebec, Ontario and Manitoba. Furthermore, Lithium Australia NL is a funding partner in a joint venture with Alix to actively explore two concessions comprising 22,000 hectares, located north and south of Bacanora Minerals' Sonora developing-stage Lithium Project."
Cumulative terms of the deal call for Alix to issue 500,000 shares and a cash payment of Cdn $10,000 to two arm-length vendors. There are no royalties retained on the property.
Connect with Alix Resources Corp (TSXV:AIX) to receive an Investor Presentation.
The post Alix Acquires Cross Lake Lithium Property, Manitoba appeared first on Investing News Network.
Category: Energy


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Q: Is this a memory failure being logged (CentOS web server) $ sudo tail /var/log/messages
Jan 30 13:47:58 www kernel: EDAC MC0: CE row 3, channel 0, label "": Corrected error (Socket=0 channel=1 dimm=1)
Jan 30 13:47:58 www kernel: EDAC MC0: CE row 3, channel 0, label "": Corrected error (Socket=0 channel=1 dimm=1)
Jan 30 13:47:58 www kernel: EDAC MC0: CE row 3, channel 0, label "": Corrected error (Socket=0 channel=1 dimm=1)
Jan 30 13:47:58 www kernel: EDAC MC0: CE row 3, channel 0, label "": Corrected error (Socket=0 channel=1 dimm=1)
Jan 30 13:47:58 www kernel: EDAC MC0: CE row 3, channel 0, label "": Corrected error (Socket=0 channel=1 dimm=1)
Jan 30 13:47:58 www kernel: EDAC MC0: CE row 3, channel 0, label "": Corrected error (Socket=0 channel=1 dimm=1)
Jan 30 13:47:58 www kernel: EDAC MC0: CE row 3, channel 0, label "": Corrected error (Socket=0 channel=1 dimm=1)
Jan 30 13:47:58 www kernel: EDAC MC0: CE row 3, channel 0, label "": Corrected error (Socket=0 channel=1 dimm=1)
Jan 30 13:47:58 www kernel: EDAC MC0: CE row 3, channel 0, label "": Corrected error (Socket=0 channel=1 dimm=1)
Jan 30 13:47:58 www kernel: EDAC MC0: CE row 3, channel 0, label "": Corrected error (Socket=0 channel=1 dimm=1)

As you can see, this is logging at a phenomenal rate, I don't know about EDAC though. From what I understand this is indicating a faulty stick of RAM possibly, does this seem likely?
I understand this is little to go one, what else can I do to shed some light on this? This is a live server so I can't reboot it or take it down easily bare in mind.

A: I wish my servers' ECC chips were supported by the EDAC code I'm running! Try dmidecode -t memory to see the ECC hardware you have.
In your logs you're getting a notification from an ECC chip; If your chip hadn't been supported (like mine!) you'd get silent ECC corrections. In your case, the ECC correction happened and you also got notified, because you have support.
I'd go and change that memory stick at first. On the other hand, you might have a faulty channel, or a faulty processor core. I've once diagnosed such a problem  with memtest86.org (the original memtest86 has SMP support, try it memtest86+).
Disable ECC in BIOS, boot memtest86 using a floppy/USB stick, and see if a bunch of addresses get flagged, all in a row: might be a memory channel problem if that happens.


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Good News Daily
You are at:Home»Ministry News & Updates»Lara's New Book Is Now Available
Lara's New Book Is Now Available
By laralove on March 18, 2011 Ministry News & Updates
The book the Lord conceived on February 2, 2011, Slow Dance with Jesus: Inspiration for Intimacy with the Lord, has now been written, laid out, printed, and published in under six weeks! Please help me celebrate my first published book in print by considering a donation to Walk by Faith Ministry for a copy of the book. More information is available on our website at Walk by Faith Ministry. Praise the Lord!
Please visit Walk by Faith Ministry at https://www.walkbyfaithministry.com.
Not Like the World
Don't Give Up Now!
Update & Prayer Request
Donation Receipts for 2020
When God Says GO!
Stay Here, Don't Run!
When the Lord STOPS You!
Be Strong!
Your Love Life
Those Prideful Thoughts!
Under Loving Construction
Devil Attacked My Friendship!
My Big LOVE Prayer!
Good News Daily – New Year's Day
Imitating Jesus
Are You a Doer?
Do Not Do It!
Praying the Will of God
Drawing Near to the Lord
BIBLE SCRIPTURES REFERENCES: As of December 2020, all scriptures unless otherwise noted are from the New King James Version®. Copyright © 1982 by Thomas Nelson. Used by permission. All rights reserved. Verses marked KJV are from the King James version which is not copyrighted. Please see below for information on scriptures used before this date! Beginning August 20, 2020, all scriptures used unless otherwise noted are from the King James version which is not copyrighted. All scriptures used before August 24, 2017 are from the King James version of the Bible unless otherwise noted. From August 24 2017 to August 20, 2020, all scriptures are from the NKJV version of the Bible unless otherwise noted. Scriptures from the NKJV are taken from the New King James Version®. Copyright © 1982 by Thomas Nelson. Used by permission. Though I rarely use verses from other versions, please note when I did in the past or if I do again that, "Scripture quotations marked (ESV) are from the ESV® Bible (The Holy Bible, English Standard Version®), copyright © 2001 by Crossway, a publishing ministry of Good News Publishers. Used by permission. All rights reserved." / / / / / /// Scripture quotations marked (NLT) are taken from the Holy Bible, New Living Translation, copyright © 1996, 2004, 2007 by Tyndale House Foundation. Used by permission of Tyndale House Publishers, Inc., Carol Stream, Illinois 60188. All rights reserved. With all my heart, I ask you to please forgive me! I do my best with scripture(s) references, but am not perfect and also sometimes face technology issues. If there are any mistakes as far as words in italics or bold or verse(s) references or in any other way, I am sorry! Please note I sometimes use brackets in verses to add in extra words to help with understanding / application. I encourage you to check verses in your Bible or via an online Bible or via an a Bible app on your phone for accuracy and for further study. I committed long ago to read the Bible every day no matter what and to learn to live by it as a totally devoted believer in and follower of the Lord Jesus Christ, and I encourage you with all my heart to do and be the same!


Clients of the Schools Division of Tarlac Province will soon experience excellent customer service and delivery of international standards as its journey to ISO 9001:2015 received a go signal from Dr. Estrelita S. Cunanan, officer-in-charge of the Division.
Preparations for the International Organization for Standardization (ISO) accreditation formally started on May 12 when all division personnel attended the Awareness and Foundation Course for ISO 9001:2015 at the Frank Russel White Hall of DepED Tarlac Province.
DepED Tarlac Province hired the services of Quality Management expert Juan C. Aquino, Jr. of the Total Quality Management Office of Subic Bay Metropolitan Authority as consultant.
OIC-ASDS Dr. Noel L. Linsao, the focal person for ISO certification, pointed out that all government offices are required by Malacañang to be ISO certified to conform to the quality management program of the government.
With his time plan, Linsao expects that the Division office will acquire the ISO certification by December this year.
"However, with the assistance of Mr. Aquino, the ISO certification may be acquired at a much earlier date," Linsao revealed.
Currently, workshops on documentation system for ISO 9001:2015 are conducted to formulate the corporate manual, procedural manuals and work instructions manuals from and quality forms by each unit, job description and specifications of each employee, and a dry run of the customer feedback system of each unit.


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Az Ostichthys ovaloculus a sugarasúszójú halak (Actinopterygii) osztályának nyálkásfejűhal-alakúak (Beryciformes) rendjébe, ezen belül a mókushalfélék (Holocentridae) családjába tartozó faj.

Előfordulása
Az Ostichthys ovaloculus legfőbb elterjedési területe a Csendes-óceán keleti részének a középső szakasza, Tahiti és az óceán délebbi szigeteinek környéke. Az óceán nyugati részén is vannak állományai.

Megjelenése
Ez a hal legfeljebb 21 centiméter hosszú. 26 csigolyája van. Az oldalvonal fölött 3 pikkelysor látható. Hosszú pofája és ovális szemei vannak.

Életmódja
Mélytengeri halfaj, amely akár 300 méter mélyre is leúszik.

Források
Ostichthys ovaloculus Randall & Wrobel, 1988 FishBase
Greenfield, D.W., J.E. Randall and P.N. Psomadakis, 2017. A review of the soldierfish genus Ostichthys (Beryciformes: Holocentridae), with descriptions of two new species in Myanmar. J. Ocean Sci. Found. 26:1-33.

Nyálkásfejűhal-alakúak
Halfajok
A Csendes-óceán halai

redpajama_set_name: RedPajamaWikipedia


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Tennis in the Face – Switch Review
10tons strikes again with yet another port of one of their games to the Nintendo Switch. It seems that every second game on the eShop is now one of their titles. Thankfully their games are fairly cheap and of a decent standard in general. Have they served up an ace with Tennis in the Face? Let's find out!
As with most of 10tons titles, the story is very basic. You play as Pete Pagassi, an ex tennis superstar who was disgraced when his energy drink problem caused him to have to go into rehab. Once clean, he vows revenge against the evil energy drink corporation Explodz inc. Using his elite tennis skills, Pete must battle the townsfolk as they try to stop him from destroying the drink they are all addicted to.
This is a simple bouncer style game. You line up your shots with a cursor, tap A to make your shot, and watch as the ball bounces off of surfaces and enemies. The goal is to hit all of the people in the level with the 3 balls you have. Completing a level using less balls will grant you more points, although you progress as long as all the enemies are defeated regardless. One thing I noticed is that you can get a different result from hitting the same spot, so the physics aren't as precise as you would want in a game like this.
Defeated enemies go into a rag doll state that can cause some rather funny moments. As you progress and come across levels with explosive objects, you can see your foes blast across the stage, flailing about in comedic fashion. Besides the explosive surfaces, you will come across other surfaces that differ from your standard floors and walls. For instance, there are glass walls that break on impact, destroying your ball in the process. There are also surfaces that move once struck, such as wooden planks, allowing you to set up a new angle to bounce your next shot from.
The level select screen is set up on a grid system, with each level consisting of 16 squares which are stages for the most part. You can only tackle stages directly adjacent to the ones you have completed, which limits the amount of stages you can attempt. After finishing all the stages in a level, you then progress to the next 16 square level, then rinse and repeat.
The art style isn't too bad, with a cartoony style that makes you think of a typical mobile title you would find on the iOS or Android stores. There is some charm there, but overall it is a little lacking. The music and sound is real simple, and don't stand out as being either overly good or offensively bad. At best they serve their purpose.
Overall, Tennis in the Face is simple and somewhat enjoyable. The levels can present a decent challenge, and the game can be fun in short bursts. That said, this game feels like it would be more at home on your mobile phone rather than the Nintendo Switch, and is also available on the iOS and Android stores for a very cheap price.
This review was written by guest contributor, Lachlan Bruce. You can find them on Twitter here. Game was provided by 10tons.
Gunbird – Switch Review
Pinball FX3 – Switch Review


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7 hot cybersecurity trends (and 2 going cold)
10 companies that can help you fight phishing
Does security awareness training even work?
Breach costs: 'Chump change' to bottom lines of big players
Ponemon: Data breach costs now average $154 per record
Phishing is a $3.7-million annual cost for average large company
The average 10,000-employee company spends $3.7 million a year dealing with phishing attacks
By Maria Korolov
Contributing writer, CSO |
The average 10,000-employee company spends $3.7 million a year dealing with phishing attacks, according to a new report from the Ponemon Institute.
The report, which surveyed 377 IT professionals in companies ranging in size from less than 100 to over 75,000 employees, showed that about half of the costs were due to productivity losses.
The average employee wastes 4.16 hours a year on phishing scams.
[ Check out these 11 phishing prevention tips for best technology practices, employee education and social media smarts. | Get the latest from CSO by signing up for our newsletters. ]
In addition, 27 percent of the costs was the risk of having to respond to a data breach caused by a compromised credential, 10 percent was the direct costs of addressing compromised credentials, 9 percent was the risk of a data breach caused by malware, and the remaining 6 percent were the direct costs of containing malware.
"Everyone understands the cost of a breach, and one of the biggest threat vectors is phishing," said Joe Ferrara, CEO at Wombat Security Technologies, which sponsored the report.
According to the latest Verizon data breach report, phishing is the second most common threat vector, implicated in around a quarter of all data breaches last year.
"But I don't think anyone really had a handle on all the costs layered into it," said Ferrara.
But the Ponemon report wasn't all bad news. Companies can substantially reduce their phishing-related costs with employee education, such as the automated training offered by Wombat, which was spun off from Carnegie Mellon's CyLab cyber security research center.
Companies who roll out training programs see improvements of between 26 and 99 percent in their phishing email click rates, with an average improvement of 64 percent, according to Ponemon.
The cost of phishing
Cost for 10,000-employee organization
Cost per employee
Percent cost
Part 1. The cost to contain malware
$208,174 $22 6%
Part 2. The cost of malware not contained
Part 3. Productivity losses from phishing
$1,819,923 $191 48%
Part 4. The cost to contain credential compromises
$81,920 $9 2%
Part 5. The cost of credential compromises not contained
Total extrapolated cost $3,768,820
$3,768,820 $395 100%
Adding in a 25 percent drop in retention, Ponemon calculated a phishing-related cost savings of $188 per user for the average company.
This translates to $77 per user for the lowest-performing training program.
At a cost of less than $4 per employee, that results in a 20-fold return on investment over a year from the worst-performing training program, and a 50-fold return from the average program.
This calculation does not include the training time, however. According to Ferrara, it takes a user about 30 minutes to go through all three of the company's anti-phishing training modules, and the "teachable moment" of interacting with a simulated phishing email is under a minute.
With that adjustment, the total savings drops to around $137 for the average training program, and $24 for the least effective one, making for a 37-fold and seven-fold return on investment, respectively.
"The important thing to keep in mind is that the potential loss after a phishing attack is far greater and far more devastating than just the loss of productivity," Ferrara added.
A good way to get employees motivated to do the training is to first run a simulated phishing attack, said Ferrara.
Not only does that provide a baseline metric for how often phishing emails are clicked on, but it also demonstrates to employees that they are vulnerable.
"We had a customer who ran a simulated attack against their IT organization and they had a huge failure rate -- it was a real eye-opener for them -- more than 50 percent of the people failed," said Ferrara. "We used that as motivation to get them to take training. As long as you don't hammer them over the head or belittle them, you can get a great response."
More on phishing:
What is phishing? How this cyber attack works and how to prevent it
How to identify every type of phishing attack
15 real-world phishing examples — and how to recognize them
Maria Korolov has been covering emerging technology and emerging markets for the past 20 years.


For more information about being a Festival Benefactor please click here (pdf).
Box Office: 01654 703355 (Mon – Sat 10am – 4pm) or send us an email.
To purchase a season ticket please call us on 01654 703355.
Click here to download a digital copy of the Festival brochure.
A unique feature of Welsh culture, the Cymanfa Ganu (Congregational Singing) is a festival of sacred hymns, sung with four-part harmony by the audience, under the direction of a choral conductor. The Machynlleth Festival continues the tradition by opening with its own Cymanfa Ganu.
(who will also be performing at the Festival on Tuesday night). She is also known for her teaching of promising young musicians. This concert features four of Eirian's music pupils, each with the potential to be future stars of Welsh music.
Our children's concert this year targets the younger age group (under 7's) in the company of pirate Ben Dant (played by local artist Aeron Pughe) and his assistant Cadi; characters from 'Cyw' – S4C's Children Service. Participatory singing and storytelling, recollecting the friendly pirate's adventures on the seven seas!
Please Note: If the total of your basket is £0.00 (i.e. you only order tickets for this event) you will not be able to checkout. Please phone us on 01654 703355 or send us an email to info@moma.machynlleth.org.uk if you are wanting to only order tickets for free events.
We are very fortunate to have Trystan Llŷr Griffiths perform at this year's festival, he has made a big name for himself appearing at the best operatic theatres in the world. Accompanied by Eirian Owen, musical director of the choir. Buy your tickets early as this concert will be a sell out.
Two brilliant young artists, Jess Gillam (a highlight of the Last Night of the Proms 2018) and Zeynep Özsuca, will light up the Tabernacle with music from the 18th century to the brand new, plus 20th century classics by Britten, Poulenc and Bartok.
César Franck – A French Wagnerian?
After the humiliation of the Franco-Prussian war and the collapse of the Second Empire French painters, writer and musicians were determined to pursue 'French' values in their work. But for some composers the spell of the most admired German composer of the second half of the nineteenth was irresistible. César Franck and his favourite pupils such as Chausson and Duparc were torn between the music of Richard Wagner and a desire to be French. Is this the conflict that fuels Franck's finest compositions?
The Welsh artist, Clive Hicks-Jenkins, is this year's recipient of the Glyndŵr Award for an Outstanding Contribution to the Arts in Wales.
For many people Anne Evans was the greatest Brünnhilde of her generation and one of the finest Isoldes too, but her career began with Mozart and she was deemed a mezzo before she settled as a soprano. A great and much loved singer talks about her career in Britain and Europe with Christopher Cook; a career that continues as she works with a new generation of young singers.
Welsh guitarist Adam Khan and Argentine guitarist Luis Orias Diz explore the story of Welsh settlers in Patagonia performing a candle lit concert that includes Tangos from Buenos Aires and exciting works by Stephen Goss, Dafydd Bullock, Astor Piazzolla and Alberto Ginastera.
If Felix Mendelssohn was precocious as a composer, then his sister Fanny was equally gifted, and until her brother left home she acted as his principal artistic advisor. It is only very recently that we have come to appreciate Fanny's gifts as a musician with over 500 compositions to her name. Brother and sister, both beneficiaries of a desire amongst educated Jews to assimilate into German cultural life, were important composers and deeply devoted. Indeed Felix perhaps never fully recovered from Fanny's death in 1847, dying just months after his sister.
If Shakespeare seems a touchstone of all that is English to British composers, he has also appealed to Europeans. Berlioz was smitten by the poet and the actress Harriet Smithson when he saw Hamlet for the first time in Paris and Richard Strauss set Ophelia's sad songs to music in a notable group of lieder. Why are composers drawn to England's greatest dramatic poet? What is it that they find in his plays that provokes them to music?


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PETER BERGEN
Film and TV Series
Sunday, April, 10, 2011
Foreign Policy Research Institute, Philadelphia
Annual Champagne Brunch for Bronze Partners
Peter Bergen author The Longest War: The Enduring Conflict between America and Al Qaeda
Peter Bergen, director of national security studies at the New America Foundation, is also author of Holy War, Inc.: Inside the Secret World of Osama bin Laden (2001), which has been translated into 18 languages and The Osama bin Laden I Know: An Oral History of Al Qaeda's Leader (2006). Both books were named among the best non-fiction books of the year by The Washington Post, and documentaries based on the books were nominated for Emmys in 2002 and 2007. Mr. Bergen is CNN's national security analyst and a fellow at New York University's Center on Law & Security. He has written for many publications including The New York Times, The Washington Post, Vanity Fair, Los Angeles Times, The Wall Street Journal, International Herald Tribune, The Atlantic, Foreign Affairs, Rolling Stone, The National Interest, TIME, Washington Monthly, The Nation, Mother Jones, Washington Times, The Times (UK), The Daily Telegraph (UK), and The Guardian (UK). He has testified on Capitol Hill on a number of occasions. He holds a M.A in modern history from New College, Oxford University.
Special Bonus: All couples at the event will receive a complimentary copy of his new book The Longest War: The Enduring Conflict between America and Al Qaeda. For book information, visit: http://books.simonandschuster.com/Longest-War/Peter-L-Bergen/9780743278935
Exclusively for Bronze Partners and Above
Four Seasons Hotel, Philadelphia
1 Logan Sq
Philadelphia, PA 19103 [display map]
For more information contact 215 732 3774, ext 303 or lux@fpri.org.
Become an FPRI Partner
The Cost of Chaos: The Trump Administration and The World:
BN.com
IndieBound.org
Friday, January 20, 2023 The Pentagon's long hunt for UFOs, CNN.com
Tuesday, December 27, 2022 Is no career safe from AI anymore? CNN.com
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This book examines the modern performance history of one of Shakespeare's best-loved and most enduring comedies, and one that has given opportunities for generations of theatre-makers and theatre-goers to explore the pleasures of pastoral, gender masquerade and sexual ambiguity. Powered by Shakespeare's greatest female comic role, the play invites us into a deeply English woodland that has also been imagined as a space of dreams. Beginning with the situation of the play in the context of early modern rehearsal and theatre practice, the book's seven chapters successively examine the rich interplay between performance histories, changing relations with the natural world, and gender politics.
What is the relation between who a person is, and what he or she has? A number of Shakespeare's plays engage with this question, elaborating a "poetics of property" centering on questions of authority and entitlement, of inheritance and prodigality, of the different opportunities afforded by access to land and to chattel property. Richard II and the Henry IV plays construe sovereignty as a form of property right, largely construing imperium, or the authority over persons in a polity, as a form of dominium, the authority of the propertyholder. Nonetheless, what property means changes considerably from Richard's reign to Henry's, as the imagined world of the plays is reconfigured to include an urban economy of chattel consumables. The Merchant of Venice, written between Richard II and 1 Henry IV, reimagines, in comic terms, some of the same issues broached in the history plays. It focuses in particular on the problem of the daughter's inheritance and on the different property obligations among friends, business associates, and spouses. In the figure of the "vagabond king," theoretically entitled but actually dispossessed, 2 Henry VI and King Lear both coordinate problems of entitlement with conundrums about distributive justice, raising fundamental questions about property relations and social organization.
Chaste Value reassesses chastity's significance in early modern drama, arguing that presentations of chastity inform the stage's production of early capitalist subjectivity and social difference. Plays invoke chastity—itself a quasi-commodity—to interrogate the relationship between personal and economic value. The economic imagery surrounding chastity ranges from romantic evocations of treasure to more quotidian references to usury, counterfeiting, and commodity exchange. Attending to such discourse in late Elizabethan and Jacobean plays, Chaste Value argues that representations of chastity (married fidelity as well as virginity) figure centrally within the early modern theatre's interrogation of early capitalism, particularly with regard to the incorporation of people into commercial exchange. Through chastity discourse, the stage disrupts pre-capitalist ideas of intrinsic value while also reallocating such value according to emerging hierarchies of gender, race, class, and nationality. Chastity, therefore, emerges as a central category within early articulations of humanity, determining who possesses intrinsic value and, conversely, whose bodies and labour can be incorporated into market exchange.
This book examines the child on Shakespeare's stage. As a life force, an impassioned plea for justice, a legacy, history, memory, or image of love or violence, children are everywhere in Shakespeare's plays. Focusing on Shakespeare's unique interest in the young body, the life stage, the parental and social dynamic, this book offers the first sustained account of the role and representation of the child in Shakespeare's dramatic imagination. Drawing on a vast range of contemporary texts, including parenting manuals, household and pedagogic texts, as well as books on nursing and maternity, childbirth and child rearing, Shakespeare's Children explores the contexts in which the idea of the child is mobilized as a body and image on the early modern stage. Understanding the child, not only as a specific life stage, but also as a role and an abstraction of feeling, this book examines why Shakespeare, who showed little interest in writing for children in the playing companies, wrote so powerfully about them on his stage.


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Experts explain why there may be no legal recourse for the women in R Kelly's alleged cult
By Marie Solis
BuzzFeed's bombshell report on the disturbing abuse allegations against singer R. Kelly told the stories of multiple young women living in his so-called "cult," reportedly under the singer's complete control. It also told the stories of their parents, who are fighting to get them back.
So far, their parents' attempts at legal intervention — even with the aid of local and federal authorities — have come up short. Experts told Mic that's largely because, as a result of the singer's alleged psychological manipulation, the adult women in Kelly's grip don't see themselves as victims.
"There's this coercive control at play here," Maya Raghu, director of workplace equality at the National Women's Law Center, said in a Tuesday phone interview. "This is frequently an issue in domestic violence cases — a lot of the emotionally and psychologically abusive behaviors aren't necessarily criminal, especially in the context of an intimate partner relationship."
"That's why it's so hard for ... friends and family members to assist them," she continued.
R. Kelly performing during The Buffet Tour Daniel Boczarski/Getty Images
Monday evening, one of the women allegedly held captive by Kelly spoke out against BuzzFeed's report, telling TMZ she's "no hostage."
"I just mainly want to say that I'm in a happy place in my life," 21-year-old Jocelyn Savage said in a video published on TMZ's site. "I'm not being brainwashed or anything like that, and it just came to a point where it definitely has gotten out of hand. I just wanted everybody to know, my parents and everybody in the world, that I'm totally fine. I'm happy where I'm at and everything is OK with me."
Savage told the outlet she hasn't been in contact with her parents because they're unflagging in their belief that she's being held against her will — which she denies. Nonetheless, Savage refused to disclose her location and wouldn't comment on if she was living with other roommates or whether she was free to go at any point in time.
"If they're legally an adult and saying, 'This is where I want to be and what I want to do' there's little you can do," Nancy Friauf, the president and CEO of Partnership Against Domestic Violence, said in a phone call on Tuesday.
For some victims of domestic violence, speaking up and seeking legal action may take a long time. On average, it takes domestic violence victims about seven tries to finally break free of their abusers for good. Friauf explained the cycle of abuse that feeds domestic violence victims' reluctance to seek help: There's a honeymoon phase; a "tension-building" phase; and eventually an incident of violence itself, after which time the abuser will apologize profusely and promise to be a better partner. This cycle repeats itself again and again, with the abuser successfully convincing victims that the next time will be different.
"If they're legally an adult and saying, 'This is where I want to be and what I want to do' there's little you can do."
Charmagne Helton, a member of PADV's board of directors and a survivor of domestic abuse, had to try four times to leave her abusive marriage. Up until that point, Helton was trapped in the cycle of abuse and had trouble accepting that she was a victim — no matter how much her friends and family tried to convince her otherwise.
"Think about it like this: You're with your Prince Charming — you have staked your flag in the sand," Helton said in a Wednesday phone interview. "But you've got everyone saying [he's] not so great. And now, since you're already so invested in the relationship, you end up feeling judged."
Ultimately, it wasn't Helton's friends and family who stopped the cycle of abuse, but a violent choking attack by her then-husband of three months. She ran to the home of a neighbor, who called the police. Police arrived and arrested Helton's ex-husband, pressing charges on her behalf. He later served an eight-day jail sentence for assault.
But had neighbors not witnessed Helton in the aftermath of the attack, it would have been much harder for law enforcement to intervene in Helton's abusive marriage.
"If you're a next-door neighbor and you hear screaming, or you're out in public and have reason to believe a crime is happening, you can call the police," Friauf said. "But if you're concerned about someone and they're saying, 'Nope, everything is fine,' that's their choice."
Kelly performing at the Barclays Center Mike Pont/Getty Images
Raghu said there are circumstances under which prosecutors can pursue "evidence-based" cases against alleged abusers, which don't require the testimony or even the participation of victims. However, in order for prosecutors to begin an investigation without the help of a victim of abuse, there usually needs to be a reported incident, or at least a threat, of physical violence.
This threshold makes for an uncertain future for the women in Kelly's reported "cult," especially since Kelly has escaped consequences for his alleged actions in the past.
Kelly's career is riddled with allegations of sexual abuse and predation dating back to 1991, when the singer — who was 27 at the time — married R&B singer Aaliyah when she was just 15 years old. He later had alleged sexual relationships with other teenagers and appeared in court in 2008 for child pornography charges relating to a sex tape he allegedly made of himself peeing in a 14-year-old's mouth. Kelly was indicted on 21 felony charges of sex with a minor and child pornography, which was later reduced to 14 charges.
Despite this lengthy list of alleged offenses, Kelly has managed to preserve his career, continuing to earn Grammy nominations and perform at music festivals. Kelly has an upcoming concert in Virginia on July 28.
Raghu has a feeling these latest revelations might be the tipping point for the star, especially given the greater public consciousness surrounding issues of sexual harassment, assault and abuse. If Kelly doesn't have to answer to a court of law for his actions, he'll certainly have to answer to the court of public opinion.
"The law is important, but it only goes so far," Raghu said. "It's really the cultural and social norms surrounding particular issues that can drive change — many times even faster than the law."


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ESSAY ... Chiew-Siah TEI
From Escapism to Exploration
Début Malaysian novelist CHIEW-SIAH TEI tells us her reason for writing and what she hopes to achieve with her fiction
I GREW UP IN TAMPIN, a small town in the state of Negri Sembilan in southern Malaysia. In the early days, the so-called town centre was a barely tarred street, flanked by about 20 wooden shophouses on either side. The Malays from the villages nearby and the Indians from the rubber plantations came for rice, flour and sugar, and textiles for their sarong, sari and mundu. The shopowners were mostly first- or second-generation Chinese from southern China. They worked hard, and urged their children to work hard too, hoarding money, hoping to return home to China one day.
My grandfather was one of them, though he did not own a shop; he had a butcher stall in front of our house in a side alley. When did he realise that going home was no longer possible? Was it when the number of mouths to be fed kept increasing? Or was it because there was never money left to hoard up to bring home? The answer was unsaid but obvious. The butcher stall that mainly sold wild boar meat never generated enough income to fill the stomachs of the family. As a child, when Grandpa could still manage the business single-handedly, Father went selling kuih (Malaysian cakes and pastries) that Grandma baked door-to-door after school. During his fifth year, Father began to walk the streets all day with his basket of kuih. He never went back to school.
Like many children of my father's time, when survival was the main concern, education was pushed into a corner. My mother sometimes spoke with a sour tone of how lucky Father was, that he had five years schooling while she only managed three. She would grumble about her brother for leaving her to walk alone for five miles to school while he cycled past, mocking her. This did not deter her from attending class but the Japanese, who were famous for their cruelty against women, did. When the Japanese soldiers marched into the remote village where she lived with her family, Mother went into hiding in the plantations, and her schooldays ended.
Those were the days when a shopkeeper's children were expected to be shopkeepers, a rubber tapper's, rubber tappers; so too the children of a butcher. Father later worked at the stall alongside Grandpa, while Mother took up tailoring work from a garment shop. What could books do? Food would not leap off the pages and transform themselves into their physical forms—so they thought. I didn't.
Perhaps it was the endless shouting and cursing of adults driven by their busyness that I began to find refuge in books. In the house of a playmate whose parents were both teachers, I was amazed by their rare collection of illustrated books: The Happy Prince, The Little Match Girl, Crime and Punishment, The Merchant of Venice, and many others. I wept when the little girl scratches the last of her matches, when the Happy Prince gives out the last of his jewellery. The sketches of the streets, the buildings, the artefacts, the costumes—strange yet pleasant to look at—aroused my imagination. I withdrew into my fantasy world whenever I was excused from helping Mother with her sewing.
People and their noises became more unbearable. There were 13 of us sharing a life under the aluminium roof: six siblings—two brothers and four sisters, my parents and grandparents, and an elderly couple who rented the front chamber of the five-room wooden house. In the small town in the old days, doors were always left wide open and there were always streams of people who came by any time they wished, neighbours or relatives, known or unknown. Some would sit down for a cup of my mother's favourite sweet coffee or Chinese tea, equally cold and weak, and chat for half a day; some simply entered the front door and walked straight past the long hallway, the many curtained rooms, and exited the back gate—their shortcut to their homes or the marketplace. Others came for Grandpa, who, besides running the butcher stall, was also a Taoist medium. The old man would gladly display a show of communicating with god or ghost, would make a cup of 'burnt amulet' drink, the perfect antidote for all sickness—so it was said. I hated it.
I began to create my own stories. At night, when all activities ceased, silence wrapped over me like a soothing blanket, and I would invent the perfect world I longed to inhabit. Sometimes, though, I fictionalised the events I witnessed during the day: the young Indian man who collapsed from alcoholism, his eyes bulging and bleary, stomach protruding out of his skeletal body; the Thai woman who walked around half-naked and the new word ('prostitute') I learned to associate with her; the illegal gambling den behind my house with the cursing, the arguments among the gamblers, the fights; as though after writing them down, they would disappear: the noise, the pain, the hatred, the ugly side of human beings.
Did they really disappear? Momentarily, perhaps. As a child, writing helped me to escape from the real world. Ironically, as I grew up, the reality I witnessed and felt became submerged, and writing became my tool to explore and expose the many true faces of life, human suffering, social injustice, and the reasons behind these. Why, for instance, did my great-grandparents leave their homeland for the so-called 'better life'? Why are people fighting against each other, nation fighting against nation? What has made the world as it is? If I had chosen to write as a means of escaping reality as a child, what I wish from my writing now is a means to improve the real world. We need to be informed in order to understand and act accordingly, to feel for the victims and the voiceless, to promote humanity among mankind.
CHIEW-SIAH TEI is the author of Little Hut of Leaping Fishes (Picador, 2008)
Reproduced from the October-December 2008 issue of Quill magazine
ON THE COUCH ... Chiew-Siah TEI
ESSAY ... Matthew CONDON
ON THE COUCH ... Vikram SETH
An Evening with Preeta Samarasan & Friends
ESSAY ... Tishani DOSHI
What I Found at ... Kinokuniya Takashimaya Singapo...
ESSAY ... Camilla GIBB
ON THE COUCH ... Alexis WRIGHT
2007/8 John Llewellyn Rhys Prize
MALAYSIA ON SHOW


Central Mississippi Tea Party President Janis Lane questions giving women the right to vote. She spoke with JFP reporter R.L. Nave on June 14, 2012.
A tea party officer and two others representing the challenger in a Senate primary became trapped in a courthouse in the middle of the night, hours after officials had gone home from counting votes, authorities said.
Janis Lane, president of the Central Mississippi Tea Party, said conservatives want America to return to its roots of "limited government, free markets and fiscal responsibility."
Think maybe she is describing herself?


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When your loved one has chosen cremation, you should always ask your funeral or cremation provider if they own their own crematory. If the answer is "NO" should you not ask where your loved one is going and who is facilitating the cremation process?
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Rafiki Foundation | God's Word at Work
Child Village: Nigeria
Child ID: CC003
Vicky was abandoned by both her parents at birth and brought to the state-run orphanage in Jos, Nigeria. She was severely malnourished and in need of emergency care. She arrived at the Rafiki Village Nigeria in June of 2003. Within three months of her arrival, she gained weight, her coloring changed, and she could stand on her own. Vicky has learned about the beauty of forgiveness in the Scriptures and through God's people, and she is thankful for her life at Rafiki.
DOB: Jan 18, 2002
Rebeccah
Rebecca was admitted to a babies' home in October 2004.
Day students are children in need from the communities surrounding the Rafiki Villages who attend our Rafiki Schools with full scholarships or...
After Christina and her two sisters, Peace and Tendo, were orphaned as small children, they lived with their grandmother for a time.
Joseph's mother died when he was nine months old, and his father is unknown.
Maria's mother died giving birth to her, and her father died in a car accident in 2008.
Mercy was referred to the Rafiki Foundation by a local ministry.
Adeline arrived at the Rafiki Village Rwanda in 2010.
Rocklin arrived at the Rafiki Village Ghana in 2010.
Moses arrived at the Rafiki Village Ghana in 2005.
Janet's mother died in 2012, and it was soon confirmed that her mother's husband was not her biological father.
Before Jeremiah arrived at the Rafiki Village Tanzania in 2011, he lived at a children's home in Moshi for four years with no known family.
Segen's young mother abandoned her soon after giving birth to her, leaving Segen with her grandmother.
Yordanos
Yordanos's mother abandoned her, leaving her with her grandfather, in 2006.
Both of Simon's parents were farmers who passed away from unknown causes.
Charles was abandoned as a baby and taken to a local orphanage. Little is known about his background or his family.
Rena's mother died from malaria complications three months after giving birth to Rena and her twin sister, Serena.
Blessing's father died in a motor accident before she was born, and her mother died three weeks after her birth.
James's father died HIV+, and his mother also had HIV.
Jennifer's parents passed away in 2004. She arrived at the Rafiki Village Nigeria in March 2007.
Aaron was abandoned as a small child near a police station.
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