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James Tobin Named Chief Lobbyist for NAHB
WASHINGTON, DC - The National Association of Home Builders (NAHB) announced that James Tobin has been named as its new senior vice president for government affairs and chief lobbyist. A dedicated government affairs professional with more than 15 years of policy and management experience, Tobin will serve as the association's lead lobbyist and oversee its federal government, state and local government, and grassroots advocacy teams.
"Jim's broad policy background, which includes tax, environmental and transportation and land use issues, along with his leadership and management skills working previously as the vice president of government affairs, makes him the ideal candidate to lead one of the best lobbying shops in Washington," said NAHB Chairman Bob Nielsen, a home builder from Reno, Nev.
"The government affairs team has already enthusiastically embraced the new leadership and is energized about tackling the many issues before us," added Nielsen. "With Jim at the helm, the team will continue to advance the cause of housing on Capitol Hill without missing a beat."
For the past 13 years, Tobin has represented NAHB on Capitol Hill. From 1998 to 2004, he served as a congressional representative and federal legislative director, where he managed the association's environmental and land use policy, including issues related to the Clean Air Act, the Clean Water Act and transportation. He served as NAHB's tax lobbyist and managed the association's grassroots program from 2004 to 2006, and during the previous five years he was vice president for government affairs.
"Having worked closely with Jim during his entire tenure at NAHB, I am absolutely confident he is the right person to lead our government affairs team, particularly during these challenging times for the housing industry,"
said NAHB CEO Jerry Howard. "Jim has the full support of our organization to take the lead in promoting and advancing NAHB's political and legislative objectives and making the strategic hires to help supplement an outstanding team that is already in place."
The National Association of Home Builders is a Washington-based trade association representing more than 160,000 members involved in home building, remodeling, multifamily construction, property management, subcontracting, design, housing finance, building product manufacturing and other aspects of residential and light commercial construction. NAHB is affiliated with 800 state and local home builders associations around the country.
Source: National Association of Home Builders / #NAHB


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EXPERIENCE BRUNEI
Pahlawan Brunei
The Puak Project
#KitaniCuba
Voices in Brunei
Be Adventurous
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Be Indulged
Our Brunei Story
TRAVELLERS' ESSENTIALS
Combining music and art at Sound & Canvas
By Fae Yakof|2018-11-15T15:41:32+08:00November 15th, 2018|Be Indulged, Highlights|
Fate had brought Sandy Tan, the founder of Sound & Canvas and Other Half Studios, comprising of two creatives – Sumay C, a photographer and Arty Guava, a watercolour artist – together when she came across a feature in Business Times for a giant kaleidoscope installation by the duo for Sarawak's Rainforest Fringe Festival in 2017.
Sandy's journey through her music-composing career started out of curiosity at a young age, when she used to write her own music and discovered more techniques along the way. "Like most people, the privilege to practise what you love comes with a lot of hard work, perseverance, setbacks, but it also comes with a lot of joy and opportunity to grow. I did not grow up thinking I will be able to create what I have now," said Sandy.
Her practice involves treatment of electro-acoustic instrumentations and environmental sounds, framed in conceptual art installations. Her work explores how sound influences our social experiences, as well as parallels drawn between sound and other art forms. Sound & Canvas was founded upon her passion for both musical and visual compositions.
After arranging a meeting with Arty Guava in Singapore to discuss a potential collaboration in art and music, OH! Secret Garden happened at the end of that same year after three months of planning up until the execution.
"It was really like how you would meet your best friend – you just relate and click with each other from the start, and you believe in one another. This was how our collaboration started and have continued to be. We just decided to try our best to create the love that we love creating. And the rest was history."
OH! Secret Garden, which launched in November 2017 at Sound & Canvas was a floral-themed exhibition that was complemented by abstract and contemporary aesthetics. The installation featured infinity mirrored projections, and a fresh floral archway created by The Bloom Project Co. Brunei, as well as a paper flower-wall hand-crafted by Happy Petals Co. Brunei.
Photo: Sutera/Fae Yakof
Photo: Sutera/Safwan Sulaiman
It Was All A Dream, which is their second collaboration, is an audio-visual exhibition that features a play with light and shadows, which serves as a centre feature in the installation. Sandy explains that the exhibit is meant to hold an obscure mirror to one's past, present and future – depicting the lightness and gravity of daily routines, challenges and experiences.
"The power of collaboration can really push the boundaries of your work," said Sumay, when called upon to join Sandy's speech at the private launch of the exhibition.
Seeing that Other Half Studios is based in Malaysia, and Sound & Canvas in Brunei, their long distance collaboration was mostly done with the help of technology. "Communication is definitely key, and conveying the right brief and ideas from the start is important. Our meetings are usually done through Skype and we always follow up closely with the work in progress."
Other Half Studios have recorded visuals that depict a journey that was familiar to everyone, having used videos that were keepsakes and snippets from familiar scenes in their daily lives.
"The traffic light scene was a video recorded of a journey back home from work one rainy day. If anyone notices, there is a sudden shift in the scene, where the imagery drops downward and disappears. What really happened was while I was recording this scene, I left my phone on my dashboard in slow-moving traffic, and when I stepped on the brake pedal, my phone fell off. I wanted this video to be raw and real, hence why I did not cut out that part from the video," said Sumay, who was recalling the incident.
Sandy hopes to continue presenting audio-visual exhibits at Sound & Canvas, as well as other creative and interactive activities. She looks forward to exciting projects for the venue in 2019.
It Was All A Dream is open from Tuesday to Sunday, between 7.30pm and 10.30pm. Admission is BND 8 and tickets are available online at www.soundandcanvas.com/ticket. The exhibition will run until the end of February next year. For more information, please follow @soundncanvas and @otherhalfstudio on Instagram.
About the Author: Fae Yakof
Sutera's Editor and unapologetic hoarder of halfway-written notebooks, Fae Yakof spends most of her time tending to her bullet journal and pinning recipes on Pinterest.
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Tebuanman, Brunei's First Comic Book Superhero
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Rolling Stone magazine says he's got a "soul-marinated voice" and Billboard said "He's the real thing, people!" He's traveling with a suitcase full of incredible songs and an acoustic guitar and will be at the Icon Lounge in downtown Sioux Falls on Thursday, January 17.
Martin Sexton will grace the stage on his winter tour which actually took him through Europe and now it's focusing on North America with these critically acclaimed solo performances. If you're looking for great music in the middle of January, look no further than Martin Sexton. He'll be bringing a special guest Chris trapper with him.
Tickets are on sale now starting at $27 (plus fees and tax) and you can pick them up at the icon Lounge or the District box office. Or, order your tickets online here.
The doors open at 6 PM the show is at 7 PM. It's an all ages show. Don't miss Martin Sexton live at the icon lounge on Thursday, January 27.
The Get More B! The FREE B1027 App is Here!


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PSLS • News • PS4 News, Trophies, Reviews, and More • PSLS Originals • Reviews
R.B.I. Baseball 19 Review – Swing and a Miss (PS4)
Paulmichael ContrerasTuesday, March 12, 2019
Watch Gallery
In the world of baseball games, there is one undisputed King of the Diamond. If you're a baseball fan (on PlayStation platforms, anyway), you know it and love it. It's MLB The Show. For years, this series sat atop the mound as the only game in town. Then, for some reason, MLB Advanced Media decided to partner with Behaviour Interactive in 2014 to resurrect the ancient R.B.I. Baseball series. Development was quickly handed over to HB Studios in 2015. The result was not pretty. R.B.I. Baseball 19 marks the second year development has been done in-house at MLBAM. After multiple disappointing years, is R.B.I. Baseball 19 finally the year things start to turn around for this arcade franchise?
It seems things haven't really changed much with R.B.I. Baseball. The same is generally true for most sports games, as developers attempt to perfect what they've already released. Unfortunately for R.B.I. Baseball, the series has always needed to fix a lot of things that weren't really working. What's worse, none of it seems to have been addressed with the latest release.
It should be a giant red flag that the only trailer released for R.B.I. Baseball 19 prior to release was a semi-flashy montage of pitchers and batters battling it out and little else. Know what isn't featured in this trailer? Any actual game footage. There's a good reason for that: R.B.I. Baseball 19 looks like a PS2-era baseball sim, upscaled by the PS4. This may be a budget game, but that's not an excuse for having what appears to be the same assets for a game for at least five years. Especially as those assets are in dire need of an upgrade.
This lack of polish extends well past the generic-looking character models and laughably simple crowd graphics. Animations are bland at best, and may make someone not even want to bother playing at worst. Multiple times each game, a player will get into position to catch a pop fly, then simply stand there as the ball seemingly falls on their head. The ball will disappear, only to reappear in the player's hand, confirming that the batter is, in fact, out, and the baseball didn't just ghost you on "live" television. Players regularly clip right through one another, and the jarring camera transition once the ball is put in motion can and will royally screw with the outfielders. There is also only one camera angle, which is zoomed out too far to be of help to anyone. Oddly, the angle seen in the 2015 entry was better.
Simple to Understand
Audio is an important aspect of any sports game. This is especially true for baseball, as there is a good chunk of downtime between the action. Sadly, things have remained as generic as ever in R.B.I. Baseball 19. There are no announcers, save for the obscure guy who says "play ball" at the start of each game and offers simple call-outs of home runs, grand slams, double plays, outs, and feedback during the Home Run Derby. There is no attempt to make it feel like you are watching a game on the television. Then again, R.B.I. Baseball has always been an arcade game as opposed to a baseball simulator. An uninspired-sounding crowd is ever-present, though its members cheer any time the ball is put into motion and modestly react to more exciting times such as a bases-loaded situation.
Control-wise, R.B.I. Baseball's biggest positive is that it's a simple game that anyone can get into. There are no pitch-guessing mechanics for the batter to contend with. You simply position your batter and swing if you think the ball could be hit. Timing determines how far the ball flies or if you whiff at nothing but air at a ball well outside the strike zone. That strike zone, incidentally, is about a mile wide. You can take that upcoming ball that is clearly inside the batter's box, but invariably the game's blind umpire will call a strike.
Naturally, you can take advantage of this during pitching, which is also a simple affair. Simply position the pitcher with the analog stick, and then press the cross button to pitch. Pressing the analog stick up will throw a slower, hilariously animate,d screwball-like change-up monstrosity that should obviously not be swung at. (A majority of the time, it ends up in the dirt anyway.) Pressing down will throw a fastball. Whichever pitch is decided upon, moving the analog stick left or right in-flight will change the direction of the pitch. It's simple and right in line with traditional arcade baseball games.
There are a handful of game modes to choose from in R.B.I. Baseball 19: Exhibition, Franchise, Postseason, Home Run Derby, and Online. Exhibition is a single one or two-player match between any two teams of your choice. Franchise lets you choose a team and manage its players to see how many world series titles you can earn within a ten-season time frame. There are a couple of options for the Franchise mode, such as the likelihood of your trade offers to be accepted and realism of injuries encountered. Postseason takes you straight to the most exciting time of the season. Home Run Derby is as arcade-like as it gets, giving you four minutes to hit as many balls out of the park as you can manage. You can even earn an extra 30 seconds once per round if you hit two dingers at least 440 feet. Online is essentially an exhibition match against an online player or a friend if you invite them (or vice versa). There are no fantasy modes or even a basic career mode. It's about as barebones as the rest of the franchise.
RBI Baseball 19 Review - Swing and a Miss (PS4)
Technically Passable
Technically speaking, R.B.I. Baseball 19 doesn't appear to have any game-breaking bugs. As jittery and bland as the action is, the game works just fine. You can play lengthy games, run entire seasons, and even take the game online with relative ease. It does stutter a bit as innings end, but this occurs after the last play has already concluded.
Other than that, the only real slowdown experienced is in the Home Run Derby mode. If you play on an outside stadium and hit multiple home runs in a row, fireworks shoot off, and the smoke from the previous home run can cause the frame rate to dip a little. Also, since the assets are low in detail, the game does load pretty quickly. Stadiums are recognizable, if not completely faithful renditions.
At this point in the franchise's life, you have to wonder what MLB Advanced Media is thinking with this yearly release schedule. If the game is selling enough copies to warrant decent profits, then why not take some of that money and funnel it towards production improvements? The whole effort at this point just screams cheap cash-in, but at an asking price of $29.99, it's hard to call the price "budget-friendly" anymore.
R.B.I. Baseball 19 is once again a disappointment. The extremely low production values, lack of game modes, inconsistent animations, and uninspired gameplay result in one lackluster delivery. R.B.I. Baseball 19 would be a hard sell at $19.99, which incidentally is the same price you can currently nab the superior MLB The Show 18 for. But for the launch price of $29.99? Don't even consider it.
R.B.I. Baseball 19 review code provided by the publisher. Version 1.01 reviewed on a PlayStation 4 Pro. For more information on scoring, please read our Review Policy.
Quick load times
Barebones presentation
Terrible animations
High launch price for little content
Tags: MLB Advanced Media, MLBAM, R.B.I. Baseball, R.B.I. Baseball 19
Daily Reaction: After Corridors of Time, Bungie Needs to Embrace Mystery and Surprise in Destiny 2


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Stunning example in Blue with Black trim. Compact wagon with 7 seater capabilty when the rear seat is lifted. Economical and extremely versatile!!


Cashco Financial has been recognized by BadCredit.org as an organization that has lived up to their brand promise of providing relief today and hope for tomorrow to underbanked and underserved Canadians.
BadCredit.org was created to help North Americans with credit issues find the resources they need to make successful credit decisions. Their writers are experts in the field who provide ratings of various financial services geared toward the subprime market.
Cashco Financial recognizes the needs of Canadians are diverse. With millions of people living paycheck to paycheck and the average Canadian owing $8,500 in consumer debt, excluding their mortgage, the need for flexible banking options and alternative financial products has never been higher.
Cashco Financial saw that banks were failing their customers at almost every turn. With a one-size-fits-all strategy and countless fees, banks were actually contributing to the problem and trapping Canadians in a never-ending cycle of debt. Hardworking people were being taken advantage of with predatory loans and unfair banking practices.
That's why Cashco developed a suite of financial products designed to help the everyday Canadian foster positive spending habits and provide relief from financial struggles. Programs like Moms Match Savings Account, Everyday Use Account, and Flex Loans have helped more than 49,000 Canadians get back on their feet and develop better spending habits for the future.
Cashco Financial and Alberta Treasury Branch have teamed up to develop a series of credit-building products that give Albertans with bad credit or no credit access to safe, short-term loans with low fees. These programs not only give hardworking Canadians relief today, they provide hope for a better tomorrow.
While most banks undervalue the specific needs of their customers, Cashco has worked tireless to understand the problems that contribute to debt. Instead of looking at you as just another number, Cashco sees the individual person behind the account and identifies the tools they need to succeed.
It's hard enough making sure the bills are paid and there is enough food on the table each month, let alone planning and saving for the future. You survive one month only to restart the cycle over again the next. How do mothers get ahead in this economy, especially when the cost of living keeps going up?
Cashco Financial created the Moms Match Savings Account to help hardworking moms put money away for a rainy day. There's no fee to apply and no monthly fee after that. Better yet, there is no credit check to worry about, either. Instead, Cashco actually gives you money when you deposit funds in your account.
For every $10 you put into your Moms Match Savings Account, Cashco will match it – up to $120 per year. By the end of the year, moms who deposit $120 will have a total of $240 with the additional funds supplied by Cashco. Alberta moms who are just trying to stay afloat now have the opportunity to get ahead without worrying about the hidden fees that are typically associated with your average bank account.
Life is unpredictable. You work for months to get ahead only to find yourself back at square one after an unexpected expense surprises you, depleting your savings account. After talking with hundreds of customers, Cashco realized that these unexpected life events were actually really common. Especially in uncertain economic times where job security isn't guaranteed and expenses can increase without warning.
The Everyday Use Account helps you when things don't go according to plan. Instead of being charged money to bank, Cashco Financial actually gives you 25¢ every time you use your account. This account also allows you to take up to $500 in overdraft in case the unexpected happens. Customers with bad credit or no credit can apply for this bank account without a credit check and if they sign up for Direct Deposit they don't have to worry about a monthly fee or required balance.
Thanks to high interest rates and fees, short term loans have long contributed to the cycle of debt many Canadians now find themselves trapped in. Cashco designed Financial Flex Loans to help break this cycle. Instead, Flex loans are long-term personal loans that come with low interest rates and allow bankers to rebuild their credit and consolidate their debt.
Flex Loans let customers borrow up to $7,000 and give them 60 months to pay it back. Even the payment plans are specially designed around the borrower. That way, Cashco can help you avoid getting caught with loan payments that are unmanageable. Typically, a biweekly cycle allows customers to safely manage their payments while still having access to credit that can keep them afloat.
Cashco Flex Loans are an especially useful tool for people with bad credit trying to rebuild their credit or customers with no credit or who are new to Canada and are trying to establish credit for the first time. Every time you make an on-time payment throughout the term of your loan, your credit score can actually rise.
Cashco has always believed that when you put people at the center of your business, everyone thrives. With programs like Moms Match Savings Account, Everyday Use Account, and Flex Loans, Cashco has been able to help more than 49,000 Canadians get back on their feet and start working for a better tomorrow.
And, if something isn't working? Cashco Financial wants to know about it. Their team is committed to learning about the ever changing needs of their customers. In addition to regular communication channels, the Cashco Gratitude Department contacts individuals who have decided to change banks. In doing so, they are able to adjust their programs accordingly and better serve the everyday Albertan.


Buying in large quantities? Click here to contact our team for bulk pricing.
Stratex Wall Mounted Dispensers are space efficient and can be secured near at hand in any workshop. Efficient & economic, Stratex Dispensers minimise waste, and rolls are perforated for easy tear-off. Rolls are available in our 3 types of Stratex absorbents; General Purpose, Oil & Fuel, and Chemical and our two weights, Standard (200 gsm) and Heavyweight (380 gsm).


Join us in Denver, Colorado for our 81st Annual Conference that features amazing presentations on current and cutting edge topics that will inspire, provoke, and precipitate discussions about issues facing the juvenile and family court system. Plenary sessions highlighted by topic specific training tracks on family law, juvenile justice, child welfare, and family violence; as well as tracks featuring practical and innovative solutions are just the beginning of the educational offerings of the NCJFCJ's 81st Annual Conference.
To download a fillable PDF to either complete and email or print and return by mail/fax, please click here.
For questions or to register multiple participants or a large group, please contact Kristi Jones at kjones@ncjfcj.org or (775) 507-4798.
The 81st Annual Conference will be held at Hyatt Regency Denver at Colorado Convention Center, 650 15th Street, Denver, Colorado, 80202.
Make your hotel reservation now while is still available. The negotiated rate of $219.00 per night for single or double occupancy is exclusive of city and occupancy taxes. There is no resort fee, self parking is $35.00 per day.
We encourage you to make your hotel reservations as soon as possible. We have been informed of a city-wide convention during the 81st Annual Conference dates and we want to be certain that you are able to book a place to stay at a reasonable rate.
Should space sell out, please call A Room With A View for information on the official designated NCJFCJ overflow hotel.
A Room With A View will secure the lowest available rates at the best available hotels within a short distance of The Hyatt Regency Denver at Colorado Convention Center.
Reservations processed by A Room With A View are automatically on a waitlist for rooms at The Hyatt Regency should cancellations occur within the NCJFCJ group block at the discounted group rate.
Note - Any attendee that needs to cancel their reservation at The Hyatt Regency Hotel, call A Room With A View only. Do not call The Hyatt Regency Hotel to cancel it. By calling A Room With A View, they will be able to give your room to another NCJFCJ attendee who is looking to stay in the host hotel.
Airport Transportation: Attendees can travel from the airport to downtown via the RTD Light Rail A-line, which picks up passengers in front of the main terminal at Denver International Airport. The train will drop passengers off at Union Station. From there, guests can walk from Union Station to 16th Street and take the free mall ride bus to Welton Street. The hotel is a two minute walk away from the corner of 16th and Welton.
For questions regarding rooming, please contact Ewa Lonska-Diaz at elonska-diaz@ncjfcj.org.
We invite you to join the NCJFCJ's 81st Annual Conference in Denver, Colorado!
Click here for the Sponsorship and Exhibitor Prospectus.
Click here for the Sponsorship and Exhibitor Application.
Secure your exhibit space and sponsorship soon! Space and opportunities are available on a first-come, first-served basis. There are available sponsorship levels for every budget, but act quickly because there are a limited number for specific levels for the maximum amount of exposure for your company.
To discuss exhibit or sponsorship, contact Ardis Parmer at ardis.parmer@gmail.com or (775) 772-9121.


A hospital is pushed by the purpose of saving lives. It may range in size and service from a small unit that gives common care and low-risk remedies to large, specialised facilities providing dramatic and experimental therapies. You might be limited in your selection of a hospital by factors past your management, together with insurance coverage, your physician's hospital affiliation, and type of care available.
Earlier than entering a hospital, you should be aware of potential dangers. Well-identified hospital hazards are unnecessary operations, sudden drug reactions, harmful and even deadly blunders, and hospital borne infections. The Institute of Medicine recently identified three areas in which the health-care system, in general, and hospitals and their staff, in specific, typically fall quick: using unnecessary or inappropriate care (too many antibiotics), underused of efficient care (too few immunizations or Pap smears), and shortcomings in technical and interpersonal expertise . The greatest single danger that a hospital presents is an infection, which is essentially stopable.
What can lay people do to ensure correct and secure care while within the hospital? The following guidelines must be considered.
If you have a choice of hospitals, inquire about their accreditation status. Hospitals are topic to inspection to verify they're in compliance with federal standards. Policies applied in 1989 require the release of information on request to state well being departments concerning a hospital's mortality rate, its accreditation status, and its major deficiencies.
Earlier than checking right into a hospital, you want to resolve on your accommodations. Do you wish to pay additional for a single room? Would you like a nonsmoker for a roommate? Do you need a particular weight-reduction plan? Do you want a spot to retailer refrigerated medicine? If somebody can be staying with you, will they want a cot? It's best to attempt to keep away from getting in on a weekend when few procedures are done. While you get to your room, it is best to communicate up instantly if it is unacceptable.
You'll want to be accustomed to your rights as a affected person . Hospitals should present an info booklet that includes a Affected person's Invoice of Rights. The booklet will inform you that you've got the correct to considerate and respectful care; information about tests, drugs, and procedures; dignity; courtesy; respect; and the opportunity to make decisions, together with when to depart the hospital.
You need to make informed decisions. Before authorizing any procedure, sufferers have to be knowledgeable about their medical condition, remedy options, anticipated risks, prognosis of the situation, and the name of the individual in charge of treatment. This is called informed consent. The one instances hospitals aren't required to obtain informed consent are cases involving life-threatening emergencies, Krankenfahrt Aachen unconscious patients when no family are present, and/or compliance with the law or a court order, similar to examination of sexually transmitted diseases. If you're requested to sign a consent kind, it is best to read it first. If you need more data, you should ask before signing. If you're skeptical, you will have the fitting to put up pone the procedure and focus on it with your doctor.
Authorization of a medical procedure may be given nonverbally, resembling an appearance at a health care provider's office for treatment, cooperation throughout the administration of tests, or failure to object when consent could be simply refused. This is called implied consent.


World Information Architecture Day is a one-day annual celebration hosted by the Information Architecture Institute and held in dozens of locations across the globe, including here in Pittsburgh.
The goal of the event is to bring together like-minded professionals and enthusiasts who practice, learn, teach, and shape the future of information architecture.
Daedalus User Experience Designer Bill Bernstein served as a co-chair for the sold-out event. Bill and the rest of the organizing team brought together six speakers from a range of different IA and UX specialties and three hands-on workshops whose leaders addressed three different levels of career experience.
Research Manager Carolynn Johnson spoke on "Designing with Wicked Intent", which illustrated ways in which good design principles are often deliberately twisted to manipulate users into doing things against their own best interest. The objective was to equip designers and information architects with the capability to recognize and fight against these dark design patterns.


It is truly astonishing, especially from the vanilla character who inherited the captaincy from the ultra-polarising Michael Clarke, who was today calling Smith a disgrace. Think what you like about Clarke — he never willingly threw the reputation of Australian cricket under the bus by resorting to cheating, as Smith has done.
The Australian captain must be beyond reproach and Smith will never again hold the moral high ground, within his own team or against any opponent. By not only cheating, but conspiring to cheat and involving teammates, he has stooped nearly as low as is possible within sport.
Our cricket captain is often referred to as holding the second-most important job in Australia, behind the Prime Minister.
To diehard sports fans, it may be the most important role; the Australian captain is a beacon of pride, aspiration and integrity, as opposed to the grubbiness inherent in politics.
Today, Smith embraced such grubbiness and the stain will never leave his career. The Australians who hold him up as their shining example are irrevocably disgusted.
'Equal to the underarm ball': Is this cricket's darkest day?


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What's the '[sic]' in Newton's quote about standing on giants?
I was going through this Wikipedia page and came across the following section:
Isaac Newton remarked in a letter to his rival Robert Hooke dated 5 February 1676 [O.S.][9] (15 February 1676 [N.S.]) that:
What Des-Cartes [sic] did was a good step. You have added many several ways, & especially in taking the colours of thin plates into philosophical consideration. If I have seen further it is by standing on the shoulders [sic] of Giants.
The [sic] in the last sentence confused me, what is the error in Newton's quote? I'm guessing Newton intended that giants have two shoulders, and that he was presumably standing with one foot on each shoulder, so it makes sense to use the plural "shoulders". I am not sure why "Giant" is capitalized, but I don't think that is the error due to the placement of the [sic].
capitalization sic
Rohan SaxenaRohan Saxena
He spelled Descartes' name wrong. It's a joke, I suspect. Whatever is right before a [sic] in a text is the thing that caused it.
– John Lawler
It is unclear to me whether the "[sic]" is injected in the Wikipedia article, the article the Wikipedia article is quoting, or by Newton himself.
– Ian MacDonald
@YosefBaskin - It's the second sic that's curious.
It's an error. Someone revised the page in April 2020 from "standing on the sholders" (Newton's spelling) to "standing on the shoulders", but they left the sic in.
JessicaJessica
Excellent. In theory, that's plagiarism. The original-text error should not have been corrected.
– Jason Bassford
@JasonBassford: Don't you mean vandalism rather than plagiarism?
– Tinfoil Hat
@TinfoilHat No. The result of the inappropriate edit is that the Wikipedia article is now plagiarizing Newton.
@JasonBassford Plagiarism is quoting without attribution. Attributing a misquote is not plagiarising the author who was misquoted.
– Andrew Leach ♦
@AndrewLeach It's still a form of plagiarism, although not its main sense. You are attributing something to them that they didn't say.
The first [sic] is modern. Rendering his name as "Des Cartes" or "Des-Cartes" was common at the time.
The life of Monsieur Des Cartes containing the history of his philosophy and works : as also the most remarkable things that befell him during the whole course of his life / translated from the French by S.R. (1693).
The fact that an alternate title of this work is Vie de Monsieur Des-Cartes suggests that the 'Descartes' convention was not yet established, in fact you can buy Les Meditations Metaphysiques De Rene Des Cartes on Amazon.fr
Here is the title page of his own (Latin) work of 1641, where his surname is rendered as "DES-CARTES"
And the French 1647 translation likewise:
Meditations Metaphysiques complete with hyphen:
Michael HarveyMichael Harvey
As noted by @jessica in another answer, the quote on the Wikipedia page was edited to change sholders to shoulders (and much was changed to many). Both of those edits were incorrect; what was there before can be seen in Newton's original letter. The original page quote has since been restored.
The real question is whether [sic], which denotes an error, should appear after sholders. Sholder is a Middle English spelling that still had a little traction in Middle Modern English (1660–1789), the period in which Newton wrote his 1676 letter. The OED (login required) cites this example from 1683:
1683 J. MOXON Mech. Exercises II. 187 A short piece of a Knife broken off about two Inches from the Sholder.*
If sholder was still an acceptable spelling in Newton's time, and if Newton was using it intentionally, then sholders was not an error, and [sic] should not be applied. (Some other form of notation about archaic spelling and usage should be deployed if an explanation is deemed necessary for the audience.)
* Note the capitalization of the nouns there—like Newton's Giants.
PS: The same goes for Des-Cartes (see @michaelharvey's answer).
Tinfoil HatTinfoil Hat
I think that I would properly write "sic" after a quotation that will appear to the reader like my error. I mean to say that the language appears sic=thus in the source that I am quoting, and that I am not introducing this peculiarity. I don't see why it must reflect any judgment about whether the person that I quote was himself making any mistake.
– Chaim
@Chaim: It is a matter of style, yes, but many (most?) stylists agree that [sic] is not for denoting archaisms: "Sic may show that an uncommon or archaic expression is reported faithfully, such as when quoting the U.S. Constitution: 'The House of Representatives shall chuse [sic] their Speaker...' However, several writing guidebooks discourage its use..." More discussion here and here.
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Do you need to use "sic" for every error, or just the first occurrence?


So much has happened in the last two weeks! Roger ran the Richmond Marathon. Thanks to many of your last minute donations (as well as a wonderful anonymous matching gift), we reached the $10,000 fundraising goal. As promised, Roger ran the 26.2 miles in his hot pink running skirt. He finished the race in somewhere between 5 and 6 hours (depending on whether you go by the "chip time" or the "official time") and after a few days of recovery, he was fit as a fiddle (or at least no worse for wear).
Thanks again to Rachel Pustilnik of Stroller Strides and the Mother Runners fitness group for providing training and moral support during this last year. Special thanks to Dr. Anna of Atlee Chiropractic for the regular adjustments that keep Roger's joints limber!
Roger's next marathon will be the Big Sur race in California in May. If anyone is interested in running this race (or the many smaller races associated with the event), please contact Roger so we can build a Race Team.
Kellan Morris tries to get bailed out!
Ashland resident Dan McCaffrey gets cited for "failure to trim beard"
Roger and Celebrity Judge Mark Joy give the "thumbs up"
Board Member Meredith Hayes gets a "sobriety check"
We finish off the year with another distribution of Financial Assistance Grants. We received over 17 applications for this round and we were able to award 12 grants for a total of $6000. The remaining applications will be held "in place" until our next distribution period in 2011. For more information about the good work we have been able to do thanks to your generous donations, please check out our Annual Report.
On the personal front, Roger and I have been inundated by all kinds of emotions over the last few weeks. Any of you who have experienced a personal loss know that the holidays can be a difficult time. We are flooded with memories of holidays of the past and sad that we cannot share this year's holidays with our dear Charlotte. In all honesty, it is difficult to have a Happy Holiday. Last year at this time, we were preparing for our amazing Make-A-Wish trip to Florida and I think often of those days. We are grateful for the support and space that our friends and family continue to provide for us at this time. Though the year is coming to a close, there is still much to do at work and that will keep us busy and (somewhat) distracted. In addition, we plan to take a few days after Christmas for some personal "retreat" time. I am definitely looking forward to that.
Thank you for helping CJSTUF become a reality.
Thank you for helping us give back to the community that gave us so much in 2009.


MAY 16–17, 2018 • MANDARIN ORIENTAL • WASHINGTON, D.C.
Work for Solutions. Advocate for Change. Make a Difference.
NECA's Government Affairs team has been working throughout the 115th Congress advocating NECA's legislative agenda and the issues that impact the bottom line of NECA contractors. This will be your best opportunity to come to Washington, D.C., tell lawmakers your story, and help them understand the issues affecting your business.
NECA's top priorities for 2018 include a wide variety of issues aimed at ensuring the businesses of NECA contractors continue to grow and prosper. These important issues include: investing in our nation's infrastructure, creating new and innovative multi employer defined benefit pension plans, and comprehensive tax reform.
Through your participation during these critical days, we will use our collective voice to advance these issues on behalf of our industry. Participants in the Conference will take part in issue briefings and engage with Members of Congress and Washington insiders while gaining a unique perspective on the legislative process. All registrants have the opportunity to meet with legislative leaders in their offices and at our Congressional Reception.
NECA staff will ensure that all participants will have the opportunity to meet with their members of Congress and will provide assistance in helping them communicate effectively with prepared position papers and preparatory meetings putting forth the necessary talking points. By taking an active role in the policymaking process, participants are contributing to the success of the electrical contracting industry by sending Congress the message that NECA leads the industry in establishing and maintaining the highest workforce standards and performance. Join forces with other NECA members and staff working on the Association's behalf in Washington.
Together, we can guide legislative change for our industry and the people we serve.
NOTE: You will be redirected to make your hotel reservations once your meeting registration has been completed.
** Be sure to book your flight to arrive in Washington, DC the morning of May 16 and depart on May 18.
Meetings with Members of Congress are critically important to a successful advocacy strategy on Capitol Hill.
We encourage participants to take an active role in the policymaking process and participate in Capitol Hill visits. Constituent meetings with Members of Congress are critical to the success of NECA's advocacy strategy on Capitol Hill. After all, NECA contractors are creating jobs, voting and paying taxes in a member's district—they should hear first hand about your business and what matters to you!
NECA's top legislative priorities for 2018 are aimed at optimizing the business climate in which NECA contractors operate. Advancing these important issues—infrastructure investment, repeal of the "Cadillac Tax," and new pension plans—are crucial to the growth and prosperity of our industry. NECA staff will provide advocates with prepared position papers, talking points and preparatory meetings so participants are equipped to discuss these topics.
For more information on the Capitol Hill visits, please contact necagovtaffairs@necanet.org.
This year's annual Political Leadership Council (PLC) Summit will continue to coincide with the NECA National Legislative Conference. PLC members are encouraged to participate in the Legislative Conference, as well as special, invitation only events that will feature high profile speakers. From interacting with Members of Congress at the PLC sponsored Congressional Reception to participating in exclusive briefings and business meetings, the Summit allows PLC members to continue integrating political action into their daily activities. PLC chapters and members embody a commitment of extraordinary magnitude and exemplify leadership within the electrical construction industry through their generous NECAPAC contributions. They help secure the policy priorities of our members and increase the visibility of NECA. Membership in the PLC, and access to its corresponding events, is open to all NECA members and chapters.
If you are interested in joining the PLC and participating in the Summit's exclusive events after the Conference, either through a personal contribution or through working with other members to meet your chapter's goal, please contact NECA's Government Affairs staff.
We look forward to welcoming our PLC members taking part in the 2018 Summit. We are grateful for our PLC members who have shown dedication and commitment to a vigorous government affairs program and who help to ensure that NECA has the resources to continue to make an impact on the national legislative landscape.
NECA Thanks Our Generous Sponsors for Supporting Our Conference!


text:
Lifetime Is Making a Documentary Series About R.Kelly Allegations
BYKelsey Lawrence
R.Kelly, the R&B singer who's quickly become one of the most controversial figures in music, will be the subject of a new Lifetime documentary. The network announced Monday, May 7, that the decades-long list of allegations against Kelly will be discussed in a documentary series and a feature film.
Lifetime is relaunching its Emmy Award-winning campaign "Stop Violence Against Women," and the Kelly series will be the first part. According to the press release, the currently untitled project will shed light on the singer's "history of alleged abuse of underage African American girls" — allegations that go back almost two decades. The network's announcement comes as Women of Color of the #TimesUp movement partner with the online campaign #MuteRKelly to insist that corporations cut ties with the 51-year-old star who's since been accused of running a "sex cult."
"What we've seen—in the last year in particular—is the tremendous power of women's voices when given the opportunity to share their truth," said Brie Miranda Bryant, SVP, Unscripted Development and Programming, Lifetime. "But there are important stories still untold, stories of bravery, resilience and defiance that demand to be heard. This is one of those stories."
It was just last week that BuzzFeed published an exposé from reporter Jim DeRogatis, who's written about the allegations against Kelly for years. The report, along with BuzzFeed's Marisa Carroll, talked to Lizzette Martinez, who claimed that a then-28-year-old Kelly started a relationship with her in 1995 when she was 17.
Lifetime is also partnering with multiple organizations to spread awareness, empower women, and provide healing tools and support for women in need of assistance, including outreach and resources to young women in high schools and colleges.
"Some very brave black women have trusted us with their stories, their truth and their trauma," said documentary series executive producer dream hampton. "They are survivors and I'm honored to share their stories with the world."
This Designer Proves That Shoes Are In Fact Art
Alyssa Hardy
The Front Row Of Paris Fashion Week Is Just As Good As The Runway
All The Moments From London Fashion Week That Had Us Do A Double Take
Kendall Jenner Showed Off Two Ways To Wear The Shoe Of The Season
Only Rihanna Could Get A Dozen Celebrities In One Room Wearing Lingerie
Kirsten Dunst, King Princess, Gabrielle Union and More Star In Rodarte's New Campaign


Usage: Brown Rock Salt is great for use in the cold weather, helping to disperse snow and ice. Due to the product being brown it can stain footwear and clothing so is generally used in industrial applications such as car parks and construction sites. If you are looking for a rock salt that's suitable for paths or driveways then take a look at our White Rock Salt.


In the hallway of our hotel by the elevator, Christine had seen an intriguing modern art poster. With her encouragement and a morning of train hassles, we finally got out of Lyon. We went to St. Etienne to see the Modern Art Museum, a low-slung building set on a hill over this industrials city (of which we didn't see).
The artists were Anthony Gormley, which we both quite liked and Jean-Michael Alberola. While we waited for the taxi to take us home, we posed in front of the museum, enjoying the beautiful clouds (it had been raining earlier).
Christine by the advertising posters, which are all over the hotels and the metro stations.
Christine had fun photographing this art (at the train station), with its transparent and opaque plastic leaves.
We zipped inside the station, hunting for our quai (platform), got it. Nope! Wrong one. Down the stairs, and up the stairs and into the waiting train. It left about 4 minutes later. Christine had a close call with her Paris-Lyon train, and was determined not to repeat that.
Paul Bocuse is a famous Lyonese chef, who has had a great impact on fine dining the world over. We frequent his brasseries because they are well-priced with high quality ingredients and inventive, good food. Tonight's brasserie is Le Nord, which features traditional Lyonese dishes.
Christine had sausage inside brioche. Dave commented that it looked like a duded-up pig-in-a-blanket. We all shared bites of everything and the taste of this was far beyond that.
We had squash soup. When we were trying to figure out what type of squash the soup was made of, the waiter smiled and said "Halloween." Ah, pumpkin.
Being the adventurous one, Christine had a quenelle. It was light, delicious, and the best choice of all the entrees at dinner.
The pièce de résistance–the best? The dessert of merigne with fruits rouges. Okay–it's two five-inch long piped merigne "logs" with three flavors of sorbet pressed between them: mango, vanilla and and chocolate (I think). Chantilly, or whipped cream is piped on top, with berry coulis (sauce) puddling around the creation and more berries for garnish. Heaven.
Christine wanted a souvenir of a napkin, and then thought how fun it would be to have one from Le Sud, another Paul Bocuse brasserie where we'd eaten on Monday evening. So we walked down Rue des Republique, through Place Bellecour and to Le Sud.
They had the happy birthday organ grinder box out again.
It's a Paul Bocuse theme show, I think, because we found the Institute Paul Bocuse on our way home. It's a hotel (Hotel Royal) and restaurant that the Paul Bocuse Institut runs. It's basically a school for hotel and restaurant managers. They don't have any fancy napkins to buy (just kidding), so we head home.
First stop of the day is back to the Paul Smith store. We'd seen some fun stuff there, and after thinking about it a night, decided to act on it. As I was finishing my purchase, the owner disappeared around to the back room, came out with something in his hands and cut off the price tags.
They were bracelets. One for Christine, which coordinated with the necklace she'd purchased.
And one for me, to go with the necklace I'd bought. I held up my hand to show the bracelet, and he clasped it. Very charming, these French.
After stashing them back at the room, we walked down to Perrache Metro/Gare to head out for the day. There was a demonstration of apprentices. Many orange-helmeted guys in groups of 4 or 5 busy cutting out the same shape, bending their set of rebar in the same curve, busy hammering. And of course, one official guy overseeing each group. Quite a display.
We took the Metro red line to City Hall, then transferred to the yellow, which truthfully was like an underground funicular. We could feel the steepness of the climb in the tilt of the train car. We were heading up Croix-Rousse, an ancient hill of this city, established in Roman times. We paused to get our bearings at the top, and behind Christine was. . .
. . . this fabulous group of French ladies.
We keep noticing the style, which seems to be DNA-coded in the women here. A scarf casually rolled, the shoes perfectly matched, the jacket just so. Of course there are others without that, but we seem to agree that there is a predominance of good fashion and classic style sense that doesn't seem to exist on a national level in the United States.
A street fair was set up, with La Petite Serene sign atop one of the fairway games. It reminded me of my granddaughters.
The previous few days, Christine kept saying, there's this drink that Jeremy told me to get. And we'd try this one, or this one. But today–we found it. Agrum. I took a photo so we could remember. We paused in this sliver of a park atop Croix-Rousse to enjoy the view of the neighboring hill, where the Notre Dame du Fourviere basilica is sited.
Why did we head up here? To see the traboules, the stairways and passageways where the silk workers from earlier days passed from one factory to the next, always staying out of the rain. It's a World Heritage site collectively.
One of the more famous. It's on all the brochures.
Sometimes we'd head through small courtyards on our trek. I couldn't resist photographing Christine against this perfectly pinky-beige wall.
This stairway was locked, so I looked up and caught the symmetry.
I saw this doorway last time: CSL. I pointed it out to Christine and she said: Cynthia Sessions Lippincott! Yep. I thought so too.
Passage Thiaffiat leads down from double stairs, through a small narrow courtyard. We paused here to window shop (okay, okay, I bought some perfectly quirky earrings with Eiffel towers dangling from a small jewel) and in front of our store as we stepped out, a lady in turquoise stockings was comforting a weeping friend. She quickly stepped across the courtyard to usher her friend into another storefront.
We continue on, through Moire courtyard–yes, the man who developed the process did it here. I like the cart paths on the side of the stairs.
Our eventual destination is Place des Terraux. This fountain (photo taken from a museum window) was designed by the same man who designed our Statue of Liberty. Facing this fountain is the Beaux Arts museum, housed in the 17th-century Palais St-Pierre, a former Benedictine convent for the daughters of the nobility.
The museum is a square, with a large courtyard in the center. This is a view of one of the "hallways" on the lower floor, just to my right as I entered (but before we were in the courtyard).
We were tired, so the first stop was the terrace. This little refreshment stop was typically French, with a long wait for the waiter (is that why they call them that?). He took our order, another long wait. I had orange juice, and Christine had lemon juice. They brought me water and sugar (it needed the sugar!) and I was supposed to dilute the juice with the water to make an orangeade. I told Christine that I was from Southern California and we don't dilute our orange juice there. I ended up doing it, not only to be "with it," but also because I needed some hydration. Another long wait for the check. We gave up and went inside and paid.
A painting in the Musee des Beaux Arts, detailing virtures and vices. Check out the devil blowing red smoke in the lady's ear on the right, as well as the anger box (to the right of that), with a thorny border.
A window to a stairwell.
A lower salon with beautiful stone statues alongside the windows.
We went home, tired from the day. Shopping and sightseeing is hard work. We checked email and talked until Dave came home and off we went to Momento, a restaurant we'd found on our last trip. The owner experiments a lot, and most dishes are successful; some are not, but it's always an adventure.
Salmon atop toast and greens–Dave's appetizer. A winner.
Three tastes: mushroom soup (good), panna cotta with mushroom and dried, cured beef (wierd), and fresh greens.
A roasted chicken leg with swirled pancetta and mashed potatoes. One of the interesting things to notice is the use of drizzled sauces and chopped garnishes to make the presentation really interesting.
Fig cake. It was delicious, but the lunch version was superior.
Christine had molten chocolate cake with a basil sauce. I don't know if that one "worked" for me, but it was adventurous.
We leave our windows open at night to get the cool fresh air (the A/C has been disabled for the season) and every morning the street washers wake us up. A large truck slowly moves down the street as two men wield firefighter-sized hoses, sweeping the street with water in front of them, spraying some down the side streets to clear away the previous day's debris and dirt. Although it looks like it's the middle of the night, it's about 7 a.m. The sun doesn't rise here until nearly 8 a.m.
It was a day to Go Slow, so we did. I blogged, dressed and we finally left mid-morning. We stopped by the Post Office for timbre (stamps) and then went right over to Momento for lunch.
Christine's dish of dried thinly sliced beef with shards of cheese.
I had the salmon atop a bed of camelized onions and shallots, with three potato chips on top.
For dessert, we shared the fig cake. It was amazing.
We decided to go and write our postcards, since we now had the stamps, but detoured when we saw this dress salon. Everything is custom-made, but the hand-painted silk dress fit Christine. The owner, from Tunisia originally, had worked in the couture shops in Paris (his mother still works at Balenciaga) and he assured us he could have the dress done by tomorrow or Friday. Tempting. We floated out after an enjoyable few minutes talking clothes. All his things were so exquisitely made and inventive. Lyon is known for its food, but its design and fashion can't be far behind. We've seen so many interesting pieces of clothing. We're limited by our budget and the size of our suitcases, so we admire a lot, but don't indulge.
We sat in Place Bellecour and wrote postcards, enjoying the day and the sun. Afterwards, we walked by the Paul Smith shop, admiring his jewelry and clothing and we went in. Pretty soon the owner had us trying on all sorts of coats, jackets, etc. Some went home with us, but we left a promise to return after we thought about a few others. Home, via Leonidas to get some chocolates for Dave: medallions that are two or three raisins and a nut or two atop a chocolate circle.
Our street from the hotel window, looking out to Place Bellecour.
We checked email, wrote and whiled away the pleasant afternoon, waiting for Dave to arrive. Heading to dinner through Place Ampere–named for Mr. Ampere who discovered amps, I guess–we enjoyed the changing lights on his statue.
Dinner was at Little Italy, a place we discovered just by walking around after we couldn't find our first choice. Menu: green salad, and we all shared a dish of ziti and a pizza. We walked home along the Saone river, through Place Bellecour, where work, then sleep, awaited us.


Children should use the side gates and walk around the side of the building not across the car park nor use the front door.
Please keep to the paths and do not walk across the car park with your child as this gives them the wrong message.
If your child would like to cycle to school then please ensure they are competent cyclists on the road and please equip them with a helmet. We have cycle racks at school.
Your child can also use a scooter and again we advise that they are equipped with a helmet.


Amortization means "to kill". Follow the etymology far enough, and you end up with the Latin root of "mort", meaning death. What are you killing? Your debt, of course.
You can use an amortization schedule (or amortization table) for any type of loan, but such a schedule is most commonly used with mortgages due to their long term nature. You can find mortgage calculators on plenty of sites, but if you want to understand what's really going on, you can get yours hands dirty and set up your own loan amortization schedule.
Let's start with a sample that I set up for Excel. I'll walk you through the contents of each cell. Let's say you're borrowing $100,000 to purchase a home.
You could tighten this up a bit if you prefer, but I like this format.
1. B1, B2, B3, and A8 are sample values. You'll need to plug in your own values to make your amortization schedule work. Note that B2 should be formatted as a percent.
2. B4 shows the formula to calculate a payment. It uses the PMT function of Excel. Obviously, using the PMT function of Excel is a bit of a cop-out. You can also calculate the payment by hand — here's how.
I'll assume that you'll use the Excel function. It has three required parameters.
Interest rate — We're dividing the interest rate in B2 by 12 to give the monthly interest rate.
Number of periods — Essentially, this figure references the number of payments. For mortgages, this will be the number of months, so we multiply the number of years in B3 to get the number of months.
Present value — We're multiplying the loan amount by -1. Why? Because the present value of the loan to you is -$100,000, since it's $100,000 of debt.
3. B7 is just the loan value from B1.
4. B8 is the payment amount calculated in B4. Note that this is an absolute reference (denoted by the $s). You'll be filling down later, and all the cells need to reference B4.
5. C8 calculates the interest. This references B2 (again, an absolute reference) and divides it by 12 to use the monthly interest rate.
6. D8 calculates how much of the payment goes toward principal, simply be substracting C8 from B8.
7. If you're paying extra toward the principal, you can put this into E8.
8. F8 calculates the new balance by taking the previous balance (F7, NOT an absolute reference) and subtracting the amount of principal paid off (D8) and any extra principal payment (E8).
OK, now just fill down. You'll want 180 rows of numbers for a 15 year mortgage or 360 for a 30 year. I have an Excel spreadsheet with a 30 year on one tab and a 15 year on another, so that I can easily flip back and forth.
You may notice a very small ending balance (either positive or negative). This can happen if the actual payment amount is a fractional amount that has been rounded. The fractions of a penny can add up and create a small balance (no more than $1.80 on a 30 year or $0.90 on a 15 year loan schedule). This does not indicate a problem with your spreadsheet.
OK, I know. You want some scenarios. Let's compare a 30 year and a 15 year schedule.
Homer, Moe, and Apu buy homes in the same housing development. The homes are valued at $150,000 and each of them take out a mortgage for 80% of the home's value, or $120,000.
Homer's 30 year note has an interest rate of 4.5%. His payments will be $608.02. (Note that this is just principal and interest. Escrow payments for insurance and property taxes are not included). Over the 30 year life of the loan, Homer will pay $98,888.05 in interest.
Moe's 15 year mortgage has an identical rate of 4.5%. His payments are $917.99. Over the life of the loan, Moe will pay $45,238.55, which is $53,649.50 less than the amount of interest that Homer will pay.
Nobody ever accused Moe of being a brilliant negotiator. He really should have been able to get a better interest rate on a 15 year loan than Homer did on a 30 year loan. Somebody else got that better deal: Apu secured a 15 year mortgage at 3.75%. His payments are $872.67 and his total interest payments are $37,080.05. He's paying just 37.5% as much in interest as Homer — a staggering $61,808 less!
If you can avoid ending up like Homer, you can save a lot of money in interest.
Tip: To get a comfortable mortgage, make sure you first determine just how much house you can afford. And check your debt to income ratio before committing to a big purchase.
Even if Homer has that 30 year loan, there are steps he can take to shorten the length of the loan and reduce the amount of interest he pays.
Scenario 1: Homer cuts down on his consumption of Twinkies and pays an extra $100 toward the principal every month. We plop $100 into cell F8 and fill down. This shortens the length of the mortgage by more than 7 years and saves Homer nearly $28,000 in interest!
Scenario 2: Marge lands the lead role in the newest Troy McClure movie. She takes her $10,000 payment for the role and adds it to the first mortgage payment. This cuts more than 4 years off the life of the mortgage and saves the Simpsons $24,000 in interest!
We're currently at historically low interest rates. If (when) rates bounce back to more "normal" levels, the impact of making extra payments will be even greater.
About the Author: Kosmo runs The Soap Boxers.
Created January 6, 2008. Updated October 9, 2011. Copyright © 2011 The Digerati Life. All Rights Reserved.
1. In cell B4 I would put "round(" after the equal sign, and ",2)" after your formula. It would read "=round(PMT((B2/12),(B3*12),(B1*-1)),2)" This rounds your payment to two decimal places, which is what happens in reality. You can't pay a fraction of a cent!
2. I would make the same change to column C (Interest) as interest is also only calculated to two decimal places.
This doesn't make a huge difference, but it does help with some of the rounding problems one sometimes runs into.
Thanks Finance Nerd. The round function does the job on this one. I have to hand it to Kosmo for sharing his formulas with us!
@ Finance Nerd: Good catch. I'm lazy and generally just format the columns to round, but your formula is better.
I like having the "extra" column as it's more obvious what the additional amount is. Your spouse (or anyone else) can quickly look at the sheet and know what you're doing.


Post-Impressionist French painter Paul Cezanne (1839-1906) is credited with having led the way from Impressionism to Cubism and the dramatic changes in the 20th Century's art world. The current exhibit at Princeton University Art Museum takes visitors back to what influenced him as he developed his own genre.
Drawn entirely from the Museum's collections, the exhibit features landscapes made by artists who came before him. The works are displayed in a thematic manner and are accompanied by text panels discussing what was the accepted norm in that thematic genre at that time and what Cezanne endeavored to modify.


The equality distribution of Memory Care Centers have helped to alleviate various problems in a worldwide perspective. These facilities are mandated to deal with varied forms of complications particularly for the elderly. Owing to many instances of memory related impairment, the facilities to care for the patients have continuously expanded in recent times. While there varied number of illnesses that affected the brain, the most common ones are; Parkinson, Dementia, and Alzheimer. Owing to the prevalence to this condition, the aged among the population are needed to be protected through the aspect of enrolling in the nearby Memory Care Center. At the facility, research has shown that the disabled will be given enough care and protection in a protected environment with enough security. The process tend to warrant the affected people to lead normal life, the factor that is necessitated by choosing an effective and most reliable Memory Care Center. Seasons Memory Care is, in this regard, one of the most effective and efficient places you ought to take your affected family for care-based services. Based on certain research work, it is evident that the Seasons Memory Center has continuously provided good services to their esteemed clients. Irrespective of the difficulties associated with selecting the best Memory Care Center, it is your responsibility to use certain selecting criteria.
First, you are required to do your home and research. Through this research, there is need of looking at the facility's website or other online platforms like social media. In the course of research, there is need of looking at the professionalism of each and every center particularly in dealing with various complications such Alzheimer. In addition to this, you are also expected to look at the academic prowess of each and every staff at the facility to ascertain their suitability.
You are, secondly, required to ascertain the affordability of the offered services from each and every center. Although many individuals are font of selecting the less priced one, they are on the other expected to check the quality of the services offered. There is need of landing on the Memory Care Center that directly agree with your budget to avoid future confrontations.
The last tip that you should put into consideration prior to selecting the best Memory Care Center is the personalization of the services. Through such kind of care, many victims may recover as they are attended to in a unique and specialized manner.


The other night I watched a movie called Murderball that was sent to me by Participant Productions, a company I have written about in the past. Both the movie and the way it has been promoted are notable.
First, the movie – wow. Picture gladiators in wheelchairs. Mad Max playing rugby. These quadriplegic rugby players do not fit the standard stereotypes of people in wheelchairs. They are anything but fragile, banging into each other and knocking over opposing players' chairs. Without helmets, no less.
And because of this, I think that even more important than mainstream audiences seeing this film is having other quadriplegic people see this film. The most touching scene in the movie was when Mark Zupan, one of the American players, went to a rehab hospital to talk to the people there who had recently become paralyzed. The visit captured the imagination of one of the patients, a young man whose main love was motorcycles, when he was able to try out a competition wheelchair. It helped him see that his enjoyment of life did not have to be over just because he was in a wheelchair, and by the end of the movie he was saving up to buy his own rugby chair. A copy of this DVD should be sent to every rehab hospital in the country to give patients a glimpse of what is possible in their new life.
So, yes, I liked the movie. But I am even more impressed with the way Participant Productions is promoting it (as they seem to do with most of their movies). They have created a campaign called "Get Into the Game" that ties in a disabilities awareness theme with a cause marketing piece. They are distributing free screening kits so that organizations or groups of friends can screen the movie and raise money for the US Paralympic team for wheelchairs for needy athletes. The kits include the DVD, discussion questions and tips for having a successful screening. They have also provided a way for people who get involved with the campaign to create a blog talking about what they did and to become part of a community that is addressing this issue. And they are bringing in bloggers (like me) who write about social change to spread the word as well.
These are all things social marketers could do, related to any movie or TV show that positively portrays the kinds of messages we are promoting in our programs. Besides the communities of people who are affected by the issue, this would be a good opportunity to reach the fans of the show or actors in the movie to educate them and involve them in your strategies. Are there any entertainment programs or movies out there that you can tie into your own campaign?
In the spirit of raising awareness and spreading the word about this movie, I will be passing along my copy of the Murderball DVD for others to watch. So, (and here's the catch!) the next person to register for Social Marketing University will get the Murderball DVD. Don't all crowd on at once!


I am attorney Melinda Deal Dellarose and I am in the business of helping people. I offer my clients compassionate counseling, candid legal advice, strong advocacy and professional commitment.
I am familiar with a broad range of practice areas and have extensive experience in both state and federal courts. Before opening my own law firm, I worked at a larger firm for 15 years.
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I represent individuals and business clients in Uniontown, Pennsylvania, and the surrounding area.
Dellarose Law Office represents clients in Uniontown, Pennsylvania.


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Education News Politics
Education Funding Plans Galore
Posted By David Safier on Wed, Sep 30, 2015 at 5:03 PM
Add one more to the current list of education funding plans.
There's a plan from Doug Ducey to take money from the state land trust funds—if he can get his plan through the legislature to put it on the ballot, then get the ballot measure passed by voters. Timeline: 2017. Then there's the non-plan plan from Senate President Andy Biggs and House Speaker David Gowan that wants to take less from the land trust funds than Ducey, but still take funds, and supplement that with money stolen from First Things First which is earmarked for early childhood education—that theft was blocked by the courts when it was tried before—and add a bit from the budget. Timeline: Somewhere between 2017 and never. Ed Supe Diane Douglas has a plan as well, to come up with $400 million more this year and every year from now until forever, though she's not specific about where the funds will come from. Timeline: Now, since she's calling for a special session, but she won't get very far shouting from her bully pulpit at the Dept. of Ed without a whole lot of support from elsewhere.
And now comes a Democratic plan. It's for $400 million a year, the same as Douglas' number. But the Democrats only have a ten year target and are more specific about where the money comes from. Timeline: Now, during a special session, though Democrats need some Republicans to work with them if they hope to pass anything.
Here's the Democratic education funding plan. It includes $74 million from state land trust money (I'm not sure how much of that is the standard yearly amount and how much is added), between $250 million and $278 million from the state's budget surplus, and money that will be generated by a freeze on the ceiling of the corporate private school tuition tax credit, which is scheduled to rise from a maximum of $51.6 million in 2016 to—hang onto your hats—$662.5 million in 2030. Thanks to the miracle of compound interest, the law allowing a 20% yearly hike in the ceiling for total tuition tax credit contributions from corporations results in a twelve-fold increase over 15 years.
None of the plans call for a tax increase.
The best plan by far is the Democratic one, which is only better than Douglas' plan because it explains how to reach the $400 million figure. The fact that there's something close to agreement between progressive legislators and our far right Ed Supe brings a glimmer of hope. Democrats, I'm reasonably sure, can present a united front for their plan. If Douglas' support brings along a few Republicans on the right, and maybe some of the very few moderate Republicans join in . . . Well, I can live in hope, can't I?
Interesting factoid. Douglas won the general election even though she lost both Maricopa and Pima counties. That's virtually unheard of. It may be historically unique in a statewide race. She won by pulling big numbers from the heavily Republican, very conservative counties.Those areas are represented by similarly right wing legislators who, if they're anything like their counterparts in Congress, aren't entirely happy with their leadership and want to assure their reelections by being faithful to their base. Which might mean . . . Well, I can live in hope, can't I?
Tags: Education funding , Doug Ducey , Andy Biggs , David Gowan , Diane Douglas , Democratic education funding plan
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By Jeremy Duda, Arizona Mirror
Nativist Republicans Call on Ducey To Militarize the Border To Stop an "Invasion"
By Gloria Gomez, UA Don Bolles Fellow
Republican Wants All AZ Cell Phones and Tablets To Have an Anti-Porn Filter
By Jerod MacDonald-Evoy, Arizona Mirror


exercise the greatest care to avoid damage to Aids to Navigation.
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Василий Захарович Скубилин (1919—1997) — главный инженер-заместитель Главнокомандующего ВВС СССР по инженерно-технической службе, генерал-полковник-инженер (1976), генерал-полковник авиации (1984), Герой Социалистического Труда (1982),  (1984).

Биография
Родился в 1919 году в Донецке.

После окончания школы, в 1937 году, поступил на 1-й курс механического факультета Киевского авиационного института. В связи с началом Великой Отечественной войны, закончив 4 курса, в июле 1941 года был откомандирован для продолжения учебы в Военно-воздушную академию им. Н. Жуковского.

После окончания ВВИА (1942) — назначен инженером 13-го запасного авиаполка.

В начале 1944 года был назначен на должность старшего инженера по эксплуатации самолетов и моторов 3-й запасной авиабригады.

Некоторое время работал главным инженером ВВС Одесского военного округа. С 22 января 1971 года по 24 апреля 1986 года Скубилин прослужил на должности заместителя главкома ВВС − главного инженера ВВС Советской Армии. Под его непосредственном руководством, впервые в истории ВВС СССР, было создано Управление Радиоэлектроники ВВС, которое возглавил генерал-майор Макаров Олег Константинович. В конце 1983 г., осознавая не соответствующие текущему моменту тактико-технические характеристики РЭО авиационного парка, под его руководством было создано управление модернизации авиационной техники ВВС при ГК НИИ ЭРАТ ВВС. Первый успех был достигнут в 1986 г. созданием и принятием на вооружение бортовой  радиостанции УКВ диапазона, обладавшей высокой помехозащищённостью и скрытностью ведения связ. Для сравнения,промышленность на такую разработку брала пять лет и немереный бюджет денег. Стоила эта разработка государству 10 офицерских жалований за три года и стоимость материалов, элементной базы и т.д. Научным руководителем проекта был к.т.н.Зверев Георгий Яковлевич. Дважды генерал-полковник Скубилин В.З. выдвигал коллектив разработчиков на Государственную Премию СССР и дважды был отказ чиновников от науки. В дальнейшие годы Управлением Модернизации было проведено множество значительных работ, улучшивших тактико-технические характеристики авиационной техники ВВС СССР и, давших немалую экономию средства государственного бюджета.

После увольнения в отставку в 1986 году — работал в Военно-Воздушной академии им. Жуковского. Под  его руководством проводились работы, позволившие модернизировать истребители «МиГ-23» в условиях обычного авиаремонтного предприятия.

Жил в Москве. Умер 19 августа 1997 года. Похоронен на Троекуровском кладбище в Москве.

Воинские звания
 Воентехник 1 ранга (19.12.1941)
 Старший техниклейтенант (26.01.1942)
 Инженер-капитан (25.11.1944)
 Инженер-майор (28.04.1949)
 Инженер-подполковник (14.04.1952)
 Инженер-полковник (25.11.1958)
 Генерал-майор инженерно-технической службы (16.06.1965)
 Генерал-лейтенант инженерно-технической службы (8.11.1971)
 Генерал-лейтенант-инженер (18.11.1971)
 Генерал-полковник-инженер (28.10.1976)
 Генерал-полковник авиации (26.04.1984)

Награды
 Герой Социалистического Труда (21.12.1982),
 два ордена Ленина (21.02.1978; 21.12.1982);
 орден Красного Знамени (31.01.1967);
 орден Трудового Красного Знамени (11.02.1974);
 орден Красной Звезды  (30.12.1956) ;
 орден Почёта (22.11.1995)
 медали.

Примечания

Ссылки

Выпускники Национального авиационного университета
Выпускники Военно-воздушной академии имени Ю. А. Гагарина
Преподаватели Военно-воздушной инженерной академии имени Н. Е. Жуковского
Члены КПСС
Похороненные на Троекуровском кладбище

redpajama_set_name: RedPajamaWikipedia


text:
Get the Scoop on Johnny Depp's Daughter Lily-Rose's First Leading Role
By Jennifer Davis
It looks like Johnny Depp's daughter Lily-Rose Melody Depp is following in her dad's footsteps! The 16-year-old is set to star in her first major film, Yoga Housers, a horror-comedy about two yoga enthusiasts planning to attend a senior party, but instead have to battle some evil forces threatening their fun.
A spin-off of last year's Tusk, the film will also star dad Johnny Depp, and according to director Kevin Smith, the father-daughter duo are great together onscreen. "It was adorable," Smith tells People magazine. "There's a scene in an interrogation room between the two of them and they're actually trying to out act each other and it's really cute." Smith isn't the only one who loved seeing them play opposite of each other—the film's producer Kim Leadford tells People that watching them together was "mind blowing."
RELATED: 5 Reasons We're Obsessing Over Lily-Rose Melody Depp
With Yoga Housers set to be released later this year, the countdown is on until we can see them together on the big screen. Until then, head to People.com to see photos of Lily-Rose on set.
RELATED: Johnny Depp to Front Dior's New Men's Fragrance Campaign


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Portego is the Italian design brand which connects the talents of designers with the commitment of craftsmen, leading to the production of items which express profound love for Italian manufacturing excellence with a vision complemented by a modern twist – unveils its new 2017 collections at Maison et Objet Paris – Hall 7 Now! Design à Vivre, Stand D45.
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how do i get an image of my design for the magical retriever contest uploaded to the contest? I know there's a link option, but how do I upload an image up off my computer???
Oh..well I'm not sure if this is answering your question, but here's how I upload pics!
3) Click browse and find the picture, then click Upload Now!
5) Now paste it wherever you want!
3. Scroll down, and click on "manage attachments"
1) Go to your thread.
2) Go to 'Go Advanced'.
4) Click on the pic.
5) Upload it and the picture will be at the bottom.
3) Upload your picture there.
4) Copy the message board/forum link with the [IMG] in the front.
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Need more help? PM me.


text:
Q: why is sys.stdin.read(4).encode('utf-8') returning more than 4 bytes? I am passing a JSON object from Chrome to my Python app's stdin via the Chrome/JavaScript sendNativeMessage function.
Sometimes, the below code works.   Other times (I believe on larger messages), it does not work.   I'm not sure what I'm doing wrong, but I will say that sometimes sys.stdin.read(4).encode('utf-8') seems to read 7 bytes instead of the specified 4 bytes, and that's when it breaks with a "struct.error: unpack requires a byte object of length 4" message.
Can someone let me know what I'm doing wrong here?
# On Windows, the default I/O mode is O_TEXT. Set this to O_BINARY
# to avoid unwanted modifications of the input/output streams.
import os, msvcrt
msvcrt.setmode(sys.stdin.fileno(), os.O_BINARY)
msvcrt.setmode(sys.stdout.fileno(), os.O_BINARY)

# Read the message length (first 4 bytes).
#for line in sys.stdin:
text_length_bytes = sys.stdin.read(4).encode('utf-8')

logging.info( text_length_bytes )

# Unpack message length as 4 byte integer.
text_length = struct.unpack('i', text_length_bytes)[0]

logging.info( text_length )

# Read the text of the message.
text = json.loads( sys.stdin.read(text_length) )

A: One Unicode character may consist of more than one byte:
In [4]: len('ü'.encode('utf-8'))
Out[4]: 2

As you want to decode those 4 bytes as integer, you probably want to read them as bytes (instead of str) from stdin in the first place:
In [8]: type(sys.stdin.read(4))
aoeu
Out[8]: str

In [9]: type(sys.stdin.buffer.read(4))
aoeu
Out[9]: bytes

redpajama_set_name: RedPajamaStackExchange


text:
Q: only vaildation in Django Rest Framework Can I use Serializer just for validation purpose?
for example if I had CommentSerializer as
from rest_framework import serializers

class CommentSerializer(serializers.Serializer):
    email = serializers.EmailField()
    content = serializers.CharField(max_length=200)
    created = serializers.DateTimeField()

Is it as as per motive of DRF to use this serializer just for validation of request or some data without refering to any Django models? For example:
from rest_framework.views import APIView
from rest_framework.response import Response
class MyAPIView(APIView):
    def post(self, request, format=None):
        serializer = CommentSerializer(data=dict(request.data))
        if serializer.is_valid():
            validated_data = serializer.validated_data
        # do something with validated_data
        # return some data as Response()

or am I fighting against the framework guidance?


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Greenwood is located in Johnson County, Indiana just south of Indianapolis. Originally founded in 1864, once know as Greenfield, Greenwood changed it's name in order to avoid confusion.
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Turner Appliance Repair has been providing appliance repair service as well as new and reconditioned appliances for sale to the Greenwood area for over twenty years. We are proud to serve our community by providing exceptional appliance repair services at reasonable prices. The result is a comfortable, functioning household for you and your family. We ensure that in Greenwood, your time and bank account can be devoted towards your family and daily ambitions, and not towards your home appliances. Our technicians are skilled and ready to solve any appliance repair related issue you might have.
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If your appliance is not repaired, we'll put your service call charge towards a new/refurbished unit.
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