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Are Your Mistakes Holding You Back? How to Forgive Yourself and Rock On! Motivational Speaker Derek Clark Explains.
Motivational speaker Derek Clark explains the power in forgiving ourselves. We all make mistakes. It's a fact of life. We lead ourselves into disagreeable situations by habit, an inability to trust our instincts, or just the natural lack of foresight that comes from not completely knowing the future. We all improvise through life—sometimes we eat the bear, sometimes the bear eats us. This is true of all living things, from the smallest insect to the largest mammal. We are lucky enough as human beings that our missteps don't often end up with us getting gobbled up by some larger creature.
We are, however, in danger of being gobbled up—not by some bigger beast, but by our own choices. When we are proactive, we push against the world. This is great! It's the vital, enjoyable, thrilling way to experience life. Sometimes, though, the world pushes back. We should expect this. If we make a bad call, we cannot let that send us into a spiral of doubt or indecision. When we realize we've made a poor choice—well, that is the very moment to make the NEXT choice, and mix up circumstances all over again.
Stagnation really goes against the grain of most people. We chafe against it. We tend to prefer development, evolution, and change. More than that, we like the idea that we are advancing somewhere. Marine Corp officer candidates are taught during their training that the worst decision is indecision. Once we choose a path, we change the game and don't look back. We cannot waste time second-guessing ourselves.
There is the famous old saying: "Once bitten; twice shy." And this is prudent advice for somebody who has put him or herself out there and been stung for doing so. But don't pile one mistake on another, and become "too shy." Course corrections are always available to us. Just because we made the wrong decision doesn't mean we sit and stew in the unfavorable results for the rest of our lives. A mistake is just a lesson learned. Bad decisions help us refine our next choice, one we make with better information and deeper experience.
I am reminded of a sixty-five year-old taxi driver I met recently. He asked me what I did for a living. I told him I was a motivational speaker for personal and professional development. Like many others who learn of my profession, he decided to open up about his life to see if I had any advice. He'd been married for twenty-seven years, and had tried to commit suicide two years prior by overdosing on pills. His wife found his body and helped revive him. He was grateful he didn't succeed in committing suicide, but said that, though he thinks his wife is a great person, he is not attracted to her. He said that ever since his suicide attempt he had been attracted to many of his passengers and one of these days would like to "take it to the next level."
I didn't really want to dwell on his attraction to his passengers, so much as try to get back to his childhood. Many of the problems we have as adults have their roots in our upbringing. Come to find out, he had a very rough childhood. His parents were alcoholics, which drove him to seek aid and comfort from a male church leader he trusted. This church leader tried to have an inappropriate relationship with him. So he was cut off emotionally from his parents, and spiritually from the religion that was supposed to sustain him during difficult times.
This sense of being isolated from his social world led him to make many bad choices, starting from a young age. These added up, until he felt like he couldn't escape from the consequences. He felt trapped in a prison of his own making, and that's why he wanted to end his life. I told him that it must be really hard to carry all of these difficulties with him his whole life, but that it was time to forgive others and, more importantly, forgive himself.
I told him to write a letter to himself listing all the things he forgave himself for. Writing is very therapeutic, but it also helps to hear a message. So I wanted him to read the letter out loud to himself and process it aurally as well. Who knows if he ever followed my advice. Many hurting people know what to do, but don't do what they know.
Sometimes our poor choices stack up, and churn the ground beneath our feet into quicksand. We must remember to relax, breathe in, and not let our current situation rob us of the will to make changes. Don't' wallow in a temporary negativity—take action! Don't spend so much time going over the past that you allow it to define you. Stories are narratives we impose on facts; you can always divorce yourself from a bad story. Become a warrior, not a worrier.
Derek Clark Speaks at Fundraising Event for Foster Care and Raises $425,000!
Motivational Speaker Derek Clark Has Been Hired to Inspire San Bernardino County Employees


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Multichannel marketing is the implementation of a single strategy across multiple channels or platforms, thus maximizing opportunities to interact with prospective customers. A channel might be email, a print ad, a retail location, a website, a promotional event, a mobile app, SMS messaging, a product's package, or word-of-mouth.
The goal of multichannel is to give consumers a choice, and allow them buy when and where they want to.
Simple, right? Not really. In fact, at Emarsys, we think "multichannel marketing" is actually somewhat limiting. To help break down multichannel marketing and provide more clarity around the term and the industry, we've outlined below the perceived benefits, challenges, common questions, resources, and more.
Increased Awareness. The multichannel approach is about casting the widest net to get the maximum customer engagement. However, the multichannel approach only accounts for number of touch points, versus trying to give customers the best holistic experience throughout all touch points.
Consistent Messaging. One benefit of multichannel marketing is the allure of a consistent brand message. It's a challenge facing all companies, and one many are still trying to figure out. While a multichannel strategy can help ensure your brand has a consistent message, multichannel marketing itself usually results in siloed departments pushing their own messaging on their own channels.
Channel Preference. Reach your customers on their preferred channel. Sounds perfect, right? Yes and no. For companies with a longer buying cycle, you need to hit potential customers more than once, and that means targeting them with the right message, in the right place, at the right time within their journey. Multichannel marketing may allow you to reach customers on the channel of their choice, but it doesn't necessarily move them along to purchase.
More Data. More touch points means more data. However, since a multichannel approach merely aims to get the word out via the maximum possible number of channels, the data provides more information about the channel itself than the actual customer (think email subject lines vs. customer behavior across channels).
Marketing vs. Strategy. The biggest issue with the term multichannel marketing is that it doesn't necessarily account for strategy. When people think about multichannel, they simply think about the different mediums used to reach their customers. A multichannel strategy, on the other hand, considers how customers move and interact across the various platforms. It may seem like semantics but it's an important difference.
More Touchpoints = More Complexity. Creating a multichannel strategy means having a cohesive message across a number of channels, and a continuous evolution of that message as more data is gathered per customer. This often means new tools or data platforms are needed, someone has to be able to understand the data, and all departments have to be constantly aligned.
Time & Resources. Just as new tools or software are needed, more time and resources are required to truly build a successful multichannel marketing strategy. Something not all companies have or are prepared for.
Attribution. Who gets the credit for leads and revenue? The email marketing team, the social media team, the search team? Multichannel marketing without the strategy and right attribution model can lead to confusion, and make it hard for the marketing team to make informed decisions on budgeting and resources.
Integrate Marketing Departments. As mentioned previously, to run a truly successful multichannel program, departments must be aligned. Break down existing silos to create an integrated marketing team.
Understand Your Buyer. To create a multichannel strategy, you first must understand your buyer. Create personas, talk to actual customers, and create tests on the various platforms, testing messaging, timing, sequences, and more.
Establish a Multichannel Platform. The goal of your program should inevitably be to create a single customer view that constantly evolves based on data and campaign testing. To do this, you will need to have a platform that consolidates data and allows you to create 1-to1 marketing programs based on said data.
Create a Unified Experience. Multichannel marketing can't just be about getting your message out there in as many places as possible. Give customers a unified and personalized experience across your various marketing channels. We know it takes work, but it'll be worth it in the end.
While multichannel certainly has its benefits, it is only part of the picture. Yes, multichannel makes it possible to interact with more prospective customers and at an increased frequency, however, brands must have a strategy to unite the customer experience across these various channels. Enter: omnichannel.
As noted above, multichannel tends to refer to the simple distribution of messages across as many channels as possible, while omnichannel refers to the strategic establishment of a holistic customer experience.
Omnichannel marketing is a multichannel sales approach that provides the customer with an integrated shopping experience. The customer can be shopping online from a desktop or mobile device, via phone, or in a brick-and-mortar store, and the experience will be seamless.
Want more information? Check out our post 4 Important Differences Between Multichannel & Omnichannel Marketing.
We'd love to give you a simple answer to this, but it will vary from business to business. We've seen an increase in offline integrating with online (think hashtags on TV shows) and online integrating with offline (car dealership ads on Pandora). The key is creating a strategy that allows you to track the impact each campaign is having, and start to measure which channels work best together.
How do I measure multichannel marketing efforts?
What's the relationship between big data and multichannel marketing?
As customer expectations rise and technology evolves, the shift from multichannel to omnichannel will become even more important for brands. Customers want a seamless experience, and that experience has to be across multiple platforms.
As mentioned previously, while multichannel allows businesses to reach customers on various platforms, it does not offer the unified experience customers expect. Omnichannel on the other hand, does just that.


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Meet the Melodic Minors
Devyn Forcina, Writer
Meet the Melodic Minors, FHS's very own boys a cappella group!
The group was started this year by senior Nate Wild and sophomore Gabe DeBenedict because they wanted to do a cappella for their outside-of-school chorus honors requirement.
Alongside Gabe and Nate are members Zach Tassinari (senior), Andrew Rizoli (junior), Kevin Buckley, Ben Cohn, and Dan Schratz (freshman).
The leader, Nate, explained how having members in all four grades was his favorite aspect of the group because the Melodic Minors could continue being passed on from "generation to generation". He hopes that the Melodic Minors will be singing at FHS for decades to come.
In case you missed the 2014 FHS winter music concert, the Melodic Minors wowed the crowd with their performance of "Sha Boom", which since then has been performed at other school events and at outside performances around town.
The group meets Tuesdays and Fridays to rehearse and learn new songs. Right now they are working on learning the National Anthem, and in the future want to learn other songs, including "On Top of the World" by Imagine Dragons.
The boys confessed to never warming up at rehearsals but say that they probably should. They just like to jump in to what they are learning. When learning songs, Nate plays some parts on the piano, and they learn sections at a time. Then they piece them together once they know them well enough.
Their influence is the Wise Fools, a former FHS a cappella group.
During the naming process, the boys were throwing around other suggestions, like The Runaway Boys, and some that ended up being the name of a Weird Al album so they couldn't use them. While they were discussing what to do, Zach was writing "The Melodic Minors" on the whiteboard in the practice room, and they just knew that was the name for them.
The group works hard at what they do, but still maintain a fun dynamic. There is no tension between any of the members; any outsider could see that they are like brothers. Some joke that they feel the group has taken ten years off of their life.
During the interview, the guys wished to say something about each member of the group.
Ben is awesome.
Nate is the Justin Timberlake of the group.
Zach is the most philosophical, and he came up with the glorious name.
Kevin has the most energy.
Andrew is best at hitting the high notes.
Gabe bursts into song the most.
Dan is swag.
If being part of this group in the future interests you, there will be auditions next year. They sing tenor tenor base base and are going to be doing lots of classic songs, like, "For the Longest Time" by Billy Joel.
This is a really awesome group because they are all talented singers who really care about their music, but also about each other, and having a fun experience in being a Melodic Minor.
So, check out the video linked in to this article to see their performance at the 2014 FHS winter concert.
the melodic minors
Devyn Forcina, Editor
Devyn has wanted to be a writer since she was seven years old. When she was a freshman in high school, she started writing for Pantherbook, primarily covering...
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redpajama_set_name: RedPajamaCommonCrawl


We have been learning about God and Values.
Hi! This is Chester and he is from Room 2. After mass today, the room 2 students went to Room 8 and we coloured in doves and we cut them out. All we have to do now is put them up in our classroom!
About a month ago I was walking back to my house from the Panmure Library at 4:45pm.
Then when I got to my street I heard a bark and when I looked back I saw a big brown pit bull. It was probably the size of a "34" inch TV.
I sprinted as fast as I could around cars, behind trees and on the road. Fortunately for me, the owner heard the dog barking and recognised that something was not right and came out of the house and called the pit bull in. The relief I felt at that moment when I realised that it was not longer heading for me, was unbelievable! Not surprisingly the speed that I was moving slowed and I started to walk again. My mind and body were not over the shock, I was in colossal shock, my heart was pounding like a V6 engine.
When I got home I told my mum and dad about it. I have heard reports about people, mostly children, some even younger that me, being attacked by this type of dog and after this experience, I think that every pit bull in the world must be professionally trained because they can be very vicious animals.
Learning Intention: I am learning to plan my ideas before writing and to add detail to my main ideas.
I had a blast with my cousin AJ in the holidays. My favourite part was going to Mega-zone to go play a game of bumper cars and laser tag. Our first plan was to go to the movies to watch fast and furious 7, but instead my cousin AJ wanted to go play some laser tag.
We were both in the red team. There were three teams of two, red, blue and green. Our strategy was, I stay upstairs to protect our base and he goes out to all the other bases to get us some points.The time we finished the game, we hooked up our gear on to the hooks and we both ran back to the counter to see our score on the T.V. On my way to the counter I had a feeling we would win. "Yes we won" !!! said my cousin. We won the game about 4000 points in front of the team that was in second place.
After our victory, It was time for our of bumper cars. The staff member opened the gates for us to choose a car, I picked the purple car because I like purple. While I was driving, I had a feeling that I could be a driver in 'Fast & Furious', unfortunately I'm not. I turned left, right, forward, backwards and even diagonally. I could barely control my vehicle. My driving ability was made difficult by the other drivers who continue to crash in to me. At times I was terrified for my safety and that I might actually fall out of my car. It was more intense than I thought. We finally finished our game, I was desperate to play another.
We walked home after we had a feed at Sylvia Park.
It was a great time at Mega zone with my cousin. If you get a chance to go I'm sure you will enjoy it.
Today we used Padlet to show our thinking about a recent news article as we read. Asking questions showed that we were engaged and thinking / making meaning of what we were reading.
Labels: Padlet: Response Decicration of Graves.
then I made a dove and then I took a photo of it thank's to my Buddy Blogger partner - Filipo.
Labels: Learn Create and Share with our Buddy Bloggers at Pentecost.
In room 8 we have Buddy Bloggers and they visited us today after Church, where we went as a school to celebrate the Feast of Pentecost, which reminds us of how Jesus sent the Holy Spirit.
Today my buddy and I made Dove's to represent the Holy Spirit. We made this because today was the Feast of Pentecost (50 days after Jesus ascended up into Heaven). I had a blast with my little buddy and he had a lot of fun as well as we went through the process of 'Learn, Create and Share'.
This week, our buddy bloggers visited. It is always fun to Learn, Create and Share.
This is my buddy blogger Lolenese.
Hi my name is Lolenese, and I'm 5 years old my and I like to eat strawberries. My teachers name it Sister Evalesi. She always helps me in my school work and she is so kind to me she always wants me to be the top in my class, and she always gives me sticker. She is the best teacher in the whole world.
Labels: Buddy Blogging - Learn Create and Share.
Buddy Blogging is always fun, it allows us to Learn, Create and Share same time as we work with our 'Buddies'.
|\colors to color on her dove. This was Elma's finishing touch.
He was good at shooting with snipers and other guns.
He told his brother not to go in war.
Archibald Baxter a good Gunman and Combat Boxer.Archibald didn't want to go to war and was punished for not participating in the war.He was punished by being tied to a pole for four long hours.While he was tied to a pole shells fell on him he was hurt real bad and had to go to the hospital..He was then put in a dark box and only saw light when he was given food.Then he told his brothers not to go to war. He was now known as a 'Conscientious Objector'.After the war Archibald got married and had two children but went to hospital two days a week for mental issues.
Labels: Cnscientious Objector - Archibald Baxter. Reading to Learn.
Have you ever had to sit in the hot sun with no hat what-so-ever?
Well, Wednesday 25th March the 12 Manaiakalani Schools including: Tamaki Primary, St Pius X, Glenbrae School, Tamaki College, Panmure Bridge, Stonefields, Glen Innes, St Patricks, Sommerville Special School, Ruapotaka Primary and Te Kura Kaupapa Maori O Puau Te Moananui A Kiwa gathered at Pt England beach to greet the Hokule'a & Hikianalia Education Leadership coming all the way from Hawaii.
As the whole school walked to our designated seating place, we saw our classmates:Natalia, Giovanni and Johnnie. These student were chosen as leaders to represent our school along with other leaders from the Manaiakalani Cluster, to lead the Haka and Waiata that had been taught by one of the Maori teachers in Pt England over the previous few weeks.
The whole cluster was talking until the sound of a horn filled the air and caught the attention of the adults and children waiting patiently. Everyone's eyes stared out to the water of the Tamaki River to see looked the huge Waka slicing through the shining water towards the 2000 strong crowd. It was so quiet at that time that heard the anchor drop into the water to bring the waka to a stop. At that same moment, a woman stepped up on the sandy foreshore before us and began a karanga, calling to the visitors and the ancestors.
When the woman finished her karanga, a mini speed-boat glided to shore, bringing groups of our guest's to shore.
The leaders started off perfectly singing "E Oho" and doing the Haka that goes with it. Everytime the speed-boat came the leaders would sing until every single person in the Waka had come.
When each guest had left the Waka a man did a karakia and we our guest's replied to his speech with speeches in their language. Our guest's sang a Hawaiian Song and 3 students from Pt England school, said their Maori Mihi's, followed by a koreo (short talk) about why the Manaiakalani Schools were there and how the word "Manaiakalani" had been formed. After the Mihi's were finished the Principal from Pt England, Mr Burt had a little hug with one of the guest's and told the whole Cluster that it was time for ... 'The Impossible' This is where each school (starting with Pt England) got up and walked down onto the sand to personally be part of the welcome by doing high-fives!
When St Patrick's had finished high-fiving each guest we walked to our bus and left to school.
It was a great experience to see people part of our Manaiakalani Cluster coming to see how each school in the cluster is working with their Chromebooks. The student leaders were invited back to Pt England school to the Hangi that people from the Marae ( A Carved Building that usually belongs to the local iwi) What a fantastic experience, definitely one to remember.


An infantryman, Colonel William E. Le Gro fought in New Guinea and the Phillippines in 1944 and 1945. Subsequent service included troop and staff duty in Germany and Korea and graduation from the Army War College. As a graduate student at American University in 1963 and 1964, the author specialized in East and Southeast Asia. He was also assigned to the office of the Army's Deputy Chief of Staff for Operations in 1964 and 1965. Colonel Le Gro served in Vietnam in 1966 and 1967 as G-2, 1st infantry Division, and was Director of Asian Studies at the Army War College from 1969 tom 1971. From December 1972 until 29 April 1975 , he was a senior staff officer with the U.S military Assistance Command, Vietnam, and its successor agency, the U.S Defense Attache Office,Saigon.
The views, evaluations , and conclusions presented are those of the author and not necessarily those of the Department of the Army, the Department of Defense, or the department of State. Faculty and Students at service schools will find the book useful , however, and it will be a valuable source for historians.


William James "Bill" Sintek, 81, of Lovell died July 3, 2012, at his home. Cremation has taken place, and memorial services will occur at a later date.
Bill was born March 29, 1931, in Brayton, Neb., to Loyd and Mary Sintek. He moved to Wyoming as a youngster, his family following his father who worked in the construction industry. After living in various places in Nebraska, Wyoming and Colorado, the family settled in Rawlins, where his father was employed at the Sinclair Oil Refinery.
Bill attended school in Rawlins and graduated from Rawlins High School. He enlisted in the Air Force in 1952 and after his training as an aircraft mechanic, served for 18 months in Japan during the Korean War.
Bill married Audrey Beth Synhorst on Sept. 11, 1952, in Wichita Falls, Texas. They lived in Texas, Illinois and New Mexico while Bill was in the Air Force. After his discharge, Bill returned to Rawlins, where he was employed by the Union Pacific Railroad as a brakeman and later as a deputy sheriff. Bill joined the Wyoming Highway Patrol (Badge No. 65) in 1959 and had assignments in Kemmerer, Wamsutter and Casper, and in 1970, he moved to his final assignment in Lovell. He retired from the Patrol in 1984. He worked several more years for the Western Sugar Factory.
Bill was a member of the Veterans of Foreign Wars and the Wyoming Peace Officers Association. He enjoyed hunting, fishing, camping and travelling.
Bill is survived by his four daughters, Debbie (Todd) Wilder of Byron, Sandy (David) Mikeworth of Powell, Susan (Wayne) McArthur of Bakersfield, Calif., and Billie Jean (Ross) Wortham of Riverton; eight grandchildren and seven great-grandchildren.
He was preceded in death by his parents Loyd and Mary Sintek, wife Audrey, brother Robert (Bob) Sintek and grandson Philip McArthur.


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Team:Bielefeld-Germany/Results/tvel5
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=== TVEL5 integrated in shuttle vector ===
The laccase ''Trametes versicolor'' TVEL5 [http://partsregistry.org/wiki/index.php?title=Part:BBa_K863030 BBa_K863030] was cloned with classic restriction ligation steps into the shuttle vector ([http://partsregistry.org/wiki/index.php?title=Part:BBa_K863204 BBa_K863204]). This construct ([http://partsregistry.org/wiki/index.php?title=Part:BBa_K863207 BBa_K863207]) was linearized and integrated into the yeast genome of ''P. pastoris'' GS115. Positive Clones with single cross over were identified by PCR as shown in the following pictures. <<<<<<<BILDER PCR (2 pieces)>>>>>>>>
The laccase ''Trametes versicolor'' TVEL5 [http://partsregistry.org/wiki/index.php?title=Part:BBa_K863030 BBa_K863030] was cloned via the ''Aar''I restriction site into the shuttle vector ([http://partsregistry.org/wiki/index.php?title=Part:BBa_K863204 BBa_K863204]). This construct ([http://partsregistry.org/wiki/index.php?title=Part:BBa_K863207 BBa_K863207]) was linearized and integrated into the yeast genome of ''P. pastoris'' GS115. Positive clones with single cross overs were identified by PCR on genomic DNA with the primer 5AOX-Phenotype-FW and TT-Phenotype-RV as shown in Figure 1 and 2. Positive clones with single cross over resulted in a 2.2 kb DNA band, the ''aox1'' gene, and a 1.9 kb DNA band, the TVEL5 laccase DNA band. As control the shuttle vector ([http://partsregistry.org/wiki/index.php?title=Part:BBa_K863204 BBa_K863204]) itself was used. The expected DNA size is 437 bp.
The clones were cultivated in minimal medium and induced with 1 % (v/v) methanol twice a day for two days. The supernatant of the culture was examined to active laccases by testing the enzyme activity.
[[File:Bielefeld2012_TV5_negKon_pSH19A_Agarosegel.jpg|thumb|left|220px|'''Figure 1:''' [http://partsregistry.org/wiki/index.php?title=Part:BBa_K863204 BBa_K863204] was used as a control for PCR with the primer 5AOX-Phenotype-FW and TT-Phenotype-RV. Expected DNA band: 437 bp.]]
[[File:Bielefeld2012_TV5_Probe_Agarosegel.jpg|thumb|right|300px|'''Figure 2:''' PCR product of the gDNA from the culture 1, 2 and 3 (C1, C2, C3) with the primer 5AOX-Phenotype-FW and TT-Phenotype-RV. Expected DNA bands: 1.9 kb (''tvel5'') and 2.2 kb (''aox1'').]]

The clones were cultivated in minimal medium and induced with 1% (v/v) methanol twice a day for 2 days. The supernatant of the culture was examined to active laccases by testing the enzyme activity. For this purpose the supernatant was re-buffered into H2O with HiTrap Desalting Columns and incubated with 0.4 mM CuCl2. After 2 hours of incubation time 140 µL of the re-buffered supernatant were applied for the activity assay with 40 µL Britton Robinson buffer (pH 5) and measured at 25 °C. These setting were chosen because of the experiences with the TVEL0 laccase. To detect activity of the TVEL5 laccase 9 mM ABTS were used. Figure 3 shows a distinct activity of each cultivation (C1, C2, C3) in comparison to the control, which was treated like the other samples. The control, which was also treated with CuCl2 also represented the negative control to determine the effect of CuCl2 oxidizing ABTS. In Figure 4 the same experimental setup was used in a total volume of 1 mL. The oxidation of ABTS by TVEL5 laccase is visible to the naked eye in C1, C2 and C3 in comparison to the control. C2 shows the highest potential in oxidizing ABTS in the activity measurements and also in the experiments with a higher volume. This may be due to a higher TVEL5 concentration in the supernatant of this cultivation.
[[File:Bielefeld2012_TVEL5_Eppis.jpg|thumb|left|350px|'''Figure 1:''' Activity test of cultivation (culture 1, 2, 3) supernatant of [http://partsregistry.org/Part:BBa_K863207 BBa_K863207]. The control is the ''P. pastoris'' GS115.]]
[[File:Hefeakti.jpg|thumb|left|420px|'''Figure 3:'''Activity assay of TVEL5 using the re-buffered, CuCl2 incubated supernatant of C1, C2 and C3 with 140 µL each. 40 µL Britton Robinson buffer (pH 5) and 9 mM ABTS were added. Oxidized ABTS was detected by measuring the change in OD at 420 nm at 25 °C for 8 hours.]]
[[File:Bielefeld2012_TVEL5_Eppis.jpg|thumb|right|350px|'''Figure 4:'''Activity test of cultivation (culture 1, 2, 3) supernatant of [http://partsregistry.org/Part:BBa_K863207 BBa_K863207]. The control is the supernatant of ''P. pastoris'' GS115. The supernatants were re-buffered and CuCl2 incubated. Britton Robinson buffer and 9 mM ABTS were applied. Picture was taken after 8 hours incubation at 25 °C.]]

Labjournal
Datapage
Laccases
Substrate Analysis
Cellulose Binding Domain
Shuttle Vector
Since Regionals
Laccase TVEL5 from Trametes versicolor
TVEL5 integrated in shuttle vector
The laccase Trametes versicolor TVEL5 BBa_K863030 was cloned via the AarI restriction site into the shuttle vector (BBa_K863204). This construct (BBa_K863207) was linearized and integrated into the yeast genome of P. pastoris GS115. Positive clones with single cross overs were identified by PCR on genomic DNA with the primer 5AOX-Phenotype-FW and TT-Phenotype-RV as shown in Figure 1 and 2. Positive clones with single cross over resulted in a 2.2 kb DNA band, the aox1 gene, and a 1.9 kb DNA band, the TVEL5 laccase DNA band. As control the shuttle vector (BBa_K863204) itself was used. The expected DNA size is 437 bp.
Figure 1: BBa_K863204 was used as a control for PCR with the primer 5AOX-Phenotype-FW and TT-Phenotype-RV. Expected DNA band: 437 bp.
Figure 2: PCR product of the gDNA from the culture 1, 2 and 3 (C1, C2, C3) with the primer 5AOX-Phenotype-FW and TT-Phenotype-RV. Expected DNA bands: 1.9 kb (tvel5) and 2.2 kb (aox1).
The clones were cultivated in minimal medium and induced with 1% (v/v) methanol twice a day for 2 days. The supernatant of the culture was examined to active laccases by testing the enzyme activity. For this purpose the supernatant was re-buffered into H2O with HiTrap Desalting Columns and incubated with 0.4 mM CuCl2. After 2 hours of incubation time 140 µL of the re-buffered supernatant were applied for the activity assay with 40 µL Britton Robinson buffer (pH 5) and measured at 25 °C. These setting were chosen because of the experiences with the TVEL0 laccase. To detect activity of the TVEL5 laccase 9 mM ABTS were used. Figure 3 shows a distinct activity of each cultivation (C1, C2, C3) in comparison to the control, which was treated like the other samples. The control, which was also treated with CuCl2 also represented the negative control to determine the effect of CuCl2 oxidizing ABTS. In Figure 4 the same experimental setup was used in a total volume of 1 mL. The oxidation of ABTS by TVEL5 laccase is visible to the naked eye in C1, C2 and C3 in comparison to the control. C2 shows the highest potential in oxidizing ABTS in the activity measurements and also in the experiments with a higher volume. This may be due to a higher TVEL5 concentration in the supernatant of this cultivation.
Figure 3:Activity assay of TVEL5 using the re-buffered, CuCl2 incubated supernatant of C1, C2 and C3 with 140 µL each. 40 µL Britton Robinson buffer (pH 5) and 9 mM ABTS were added. Oxidized ABTS was detected by measuring the change in OD at 420 nm at 25 °C for 8 hours.
Figure 4:Activity test of cultivation (culture 1, 2, 3) supernatant of BBa_K863207. The control is the supernatant of P. pastoris GS115. The supernatants were re-buffered and CuCl2 incubated. Britton Robinson buffer and 9 mM ABTS were applied. Picture was taken after 8 hours incubation at 25 °C.
About our Wiki
Fifteen students from different fields of study from the Bielefeld University aspired to complete a project called TOXIC COMPOUNDS IN NATURAL WATER - A CASE FOR LACCASE. In his Wiki we document our achievements and our approach.
info(at)igem-bielefeld.de
Navigate our Wiki
Retrieved from "http://2012.igem.org/Team:Bielefeld-Germany/Results/tvel5"


text:
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}

/**
 *
 * Pass all functions into module
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angular
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    .directive('minimalizaSidebar', minimalizaSidebar)
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    .filter('removespace',function() {
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redpajama_set_name: RedPajamaGithub


text:
5 Stats That Explain the Super Wealthy
Aliko Dangote, billionaire and chief executive officer of Dangote Group, pauses during a session on day two of the World Economic Forum (WEF) in Davos, Switzerland, Jan. 22, 2015.
Jason Alden—Bloomberg/Getty Images
By Ian Bremmer
March 14, 2015 1:14 PM EDT
The world will always be divided into "the haves and the have nots," but lately seems the 'haves' are capturing more and more of the world's wealth. Yet, even the super wealthy are feeling the impact of political turmoil. Here are five stats that explore the plight—and flight—of the world's richest.
1. Nigeria's super rich
For a country that relies on oil for almost 70% of state revenue, crashing prices spell trouble. The stock index dropped 40% in 2014, while the currency has lost a fifth of its value over the last six months. But the person who has been hit hardest is the person who can most afford it. Africa's richest man, Aliko Dangote, earned Forbes' "Biggest Loser" title—his wealth has fallen the most of anyone on earth in dollar terms. Yet he still has a $14.7 billion fortune and his companies account for a quarter of the market capitalization of the Lagos stock market. Even as youth unemployment and corruption remain staggeringly pervasive, economic growth has enriched the country's elites. Nigeria's population of high net worth individuals grew 44% between 2007 and 2013.
(Forbes, Forbes, Financial Times, New World Wealth)
2. Oil prices and sanctions hit Russia
Russia has also been battered by tanking oil prices, and sanctions have had an outsized impact on Russia's wealthiest and those closest to Vladimir Putin (who are often one and the same). The country lost the most billionaires in 2014, down to 88 from 111. Between February and December of 2014, the combined wealth of the country's 20 richest people shrank by 30%. In other words, .0000001% of Russia's population lost $73 billion—a sum on par with the annual GDP of neighboring Belarus. It's no wonder India overtook Russia for third place on the billionaires list last year.
(Forbes, Forbes, CNBC, Wall Street Journal, World Bank)
3. The millionaire exodus
Millionaires have been voting with their feet. Between 2003 and 2013, 76,200 Chinese millionaires emigrated, representing 15% of China's total and the largest exodus of millionaires of any country. Over the same span, 27% of Indian millionaires, some 43,400 people, left as well. In third place, France saw 13% of its millionaire population leave, perhaps due to what they viewed as excessive taxation on the wealthiest. Russia came fifth in sheer number of departing millionaires; they accounted for 17% of Russia's millionaire population. Where are they all heading? Mainly the UK, the U.S., Australia and Singapore. The number of UK fast-track or Tier 1 visas (which require a $3 million investment in British assets) provided to Russians increased nearly 70% last year.
(CNBC, Business Insider, Bloomberg)
4. Billionaire cities
A few years ago, New York surpassed Moscow as the top city by billionaire population. Hong Kong, London, and Beijing round out the rest of the top five. Yet, unlike Moscow, where 80% of Russia's billionaires reside, New York has less than a sixth of America's. The United States spreads the wealth: 11 U.S. cities have 11 or more billionaires. California itself has 131—if it were a country, it would have more billionaires than any country except the U.S. and China.
(Forbes, Knight Frank, Forbes)
5. Big money in Chinese politics
While many of China's wealthiest may have left the country, there are plenty who still fill the highest ranks of government. More than one in seven of the 1,271 richest Chinese are serving in Parliament or its advisory body. These 203 delegates are collectively worth over $460 billion. For some perspective, the richest representative in the U.S. government would be the 166th richest member of China's government. Even as Chinese leader Xi Jinping clamps down on corruption and pressures elites to rein in their extravagance, China's wealthy are still spending. Chinese now represent nearly a third of the world's luxury sales, although roughly two-thirds of these sales take place outside the country.
(CNBC, New York Times, NBC News)
U.S. Attacks Britain Over Support For China-Backed Bank


Dr. Catherine Poh with the William J. Gies Award, along with Dr. Yuqi (Sarah) Zhu (l.), research associate, and Esther Chen (r.), 3rd year UBC dental student.
Drs. Catherine Poh and Lewei Zhang from the University of British Columbia faculty of dentistry and their colleagues received the 2013 William J. Gies Award from the International and American Associations for Dental Research (IADR/AADR) for their paper, "Unique FISH Patterns Associated with Cancer Progression of Oral Dysplasia1." The award was presented to the researchers for authoring the best clinical research paper published in the Journal of Dental Research over a 12-month period.
The paper describes the use of molecular markers to characterize oral premalignant lesions according to their risk of developing into cancer. The results showed that changes in the number of gene copies at specific genomic loci, as visualized using fluorescent in situ hybridization (FISH), can be used to identify high risk lesions—those that are more likely to develop into oral cancer.
The study's findings have implications for patient treatment. The techniques can be easily adapted to the existing set-up of many pathology laboratories and make it possible to provide patients with more information to help them better understand their treatment options. If they're shown to be at high risk, patients can opt to start aggressive treatment earlier.
"Currently, we adopt a 'wait-and-watch' approach to pathologically similar low-grade precancers—lesions either take 10 years or more to develop into cancer, in the majority of cases, or will never become cancerous," says Dr. Poh, lead author of the article. "The markers identified in this paper allow us to stratify these lesions, which can have a potentially enormous impact on patients in terms of alleviating anxiety and fear of the unknown and reducing costs for unnecessary follow-ups.
On the other hand, patients shown to be at high risk can get a head start on treatments that they might not have seriously considered otherwise," adds Dr. Poh.
The William J. Gies Awards were presented at the 91st General Session and Exhibition of the IADR in Seattle, Washington, in March 2013.
Poh CF, Zhu Y, Chen E, Berean KW, Wu L, Zhang L, Rosin MP. Unique FISH patterns associated with cancer progression of oral dysplasia. J Dent Res. 2012;91(1):52-7. Epub 2011 Oct 11.


text:
info@kilcoyneaccountants.ie
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Kilcoyne AccountantsBlogSyndicatedNumber of family home repossessions fall
Number of family home repossessions fall
The number of family homes being repossessed has fallen, with the improving economy helping to cut the number of mortgages in arrears.
New Central Bank figures show 191 homes were repossessed in July to September, down from 292 in April to June.
The vast bulk of the repossessions are carried out by banks, the figures show. Of the 191 homes taken in July to September, just 30 were done by "non-bank entities" – and not all of those are vulture funds.
It looks like the total number of repossessions this year will be well behind last year.
A Central Bank spokesman said 1,417 family homes were repossessed last year. For the first 9 months of this year, the number was 847.
The data showed the number of mortgages in arrears has continued to fall. At the end of September, 64,510 family home mortgages were in arrears, down 2.9pc compared to the end of June.
Finance Minister Paschal Donohoe said the figures showed progress was being made in dealing with "a tremendously difficult issue for families across the country".
However, he admitted that more progress needs to be made "especially at a time when the economy is stable".
The Minister said householders in trouble need to work with the Insolvency Service of Ireland.
"Through engagement with that organisation the majority of citizens who reach those arrangements end up staying their homes," Mr Donohoe said.
"The banks and those in difficulty must continue to engage together."
Despite the drop in arrears the number of mortgages in arrears for more than 720 days remained stubbornly high. Almost 28,000 family home mortgages are in that category, and they constitute around 90pc of all the arrears owed.
Article Source: http://tinyurl.com/kbwqb42
Employees to be given right to request remote working under Govt plan
420,000 workers to receive tax bills for Covid payments
Changes to corporate tax rules will reduce revenue by up to €2bn
Are NI supermarket issues really just Brexit 'teething troubles'?
Industrial & logistics sector sees spike in demand – Savills
Irish mortgage interest rates joint highest in euro zone
76% of imports into Dublin Port clearing without delays
Ireland to receive €1bn from EU's post-Brexit fund
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Marriage life ... AFTER the honeymoon phase.
It might sound like one big inside joke to married couples, but the "honeymoon phase" is REAL. There comes a time in everyone's relationship (when it's all new and you're still wearing your rose-colored glasses) when all you can do is love every little thing your spouse does.
Think of it like the first few months of dating: you're still getting to know each other, dating is exciting, and you love making out like you're still teenagers ... gross to everyone else, but cute to the two of you.
The same can be said for newlyweds; the world is your oyster and you want to make the most out of life as soon as possible.
If you live with each other before getting married, then you already know that your relationship isn't going to be perfect all the time. If you don't, then you've probably heard all of the horror stories from friends and family about what to expect.
Until you've been married for a few years.
Once the honeymoon phase is over, you can't help but hate your significant other a little bit, even though you still want to spend the rest of your life with each other. What's WITH that?! Sometimes, it's just easier to roll your eyes and give him the cold shoulder for a few hours than kiss and make up.
THAT, my friends, is when you know the honeymoon is definitely over.
These hilarious quotes prove that in marriage, the good always comes with the bad and sometimes, it's just easier to say "screw it!" and roll with the punches. I mean, how else are you supposed to handle married life?!
"Touch this thermostat again and you will wake up without a hand. That's all."
"Marriage IS a fairy tale... just in reverse. You start out at a ball in a beautiful gown and end up spending all day cleaning up after little people."
"And do you solemnly swear to protect me from spiders as long as we both shall live?"
"If at first you don't succeed... try doing it the way your wife told you."
"When you had a fight with your wife last night, she still makes you a lunch the next day..."
"I love you. You annoy me more than I ever thought possible. But I want to spend every irritating minute with you."
"You call it 'nagging.' I call it 'listen to what I f*cking said the first time.'"
"Being married is like having a best friend who doesn't remember anything you say."
"Marriage is like a good cardio workout. If it's never challenging, you're probably not doing it right."
"Sometimes I wonder how you put up with me. Then I remember, oh, I put up with you. So we're even."


Find a list of all our events below!
The Events Company specialise in corporate events and have been wowing clients throughout the UK and Europe for over a decade. Why not come to us for all your corporate entertainment ideas? Whether you have a Charity Dinner, Christmas Party, Exhibition or Summer Ball, we have the corporate events ideas that add that extra sparkle and glitz to make your event stand out from the crowd.
Why not get your pulses racing with a 'day at the races' corporate race night? Or zip around the track with our giant Scalextrics, just one of many exciting events available from our big indoor games packages.
Building the perfect corporate event takes time and resources, why not choose from the selection below to get corporate entertainment ideas for your next event. For further advise, call our event architects who design bespoke events from the ground up!
I just wanted to write to thank you and your team so much for the team building event you facilitated for us last week. The whole team really enjoyed themselves and the good weather was also an added bonus. I will not hesitate to recommend your company to others who may be planning a team building event in the future and I will also get in touch if we decide to plan another event next year.
Thank you all very much for all your help in making the GrandVision Conference such a success. We have exceeded peoples expectations. We survived all our last minute challenges and changes without any of the delegates knowing. You have all gone the extra mile. Thanks a lot, its great working with such a dedicated team and knowing we can also have a great laugh and enjoy a beer at the end of the day.
My partners have asked me to thank you, and your team for your fantastic efforts yesterday.We have had extremely positive feedback from our guests and would have no hesitation in recommending The Events Company or indeed using you ourselves again, should we host a similar event.On a personal note, I found your team most helpful in manoeuvring and parking my car in such small spaces!
Just wanted to say your team were fantastic at the hotel last night, really professional and very helpful.Hope to work with you again next year!
Just wanted to pass on our thanks to you, John and his team on the day. We all really enjoyed the event – it was challenging and fast paced, and out of our comfort zone, which fitted perfectly with the theme of the day!
I just wanted to drop a note to say thank you to you and the team for a fantastic session yesterday! It was a brilliant afternoon, and all the team were engaged and competitive throughout! A good range of different activities, and it was great to finish with the rockets.
Conferences can be slow and lacking content, but the whole event was professional, upbeat, positive and very thought provoking. Following the conclusion, it left me feeling motivated and enthused for the future and the exciting developments ahead. My team have been briefed this morning, are Energised and already are plotting the journey to success...Thank you!Look forward to future event and to working with you in the future.
The event went absolutely perfectly thanks and you guys were brilliant. We have had really good feedback from the event, especially on the games so thank you very much. Please send our thank you to the guys that attended, they set everything up on time, managed the games well and really got everyone involved. I wouldn't hesitate to use your company again and to recommend you to others.


text:
package com.thinkaurelius.titan.graphdb.transaction;

import com.thinkaurelius.titan.graphdb.vertices.InternalTitanVertex;

public interface VertexCache {

    /**
     * Checks whether the cache contains a vertex with the given id
     * @param id Vertex id
     * @return true if a vertex with the given id is contained, else false
     */
	public boolean contains(long id);

    /**
     * Returns the vertex with the given id or null if it is not in the cache
     * @param id
     * @return
     */
	public InternalTitanVertex get(long id);

    /**
     * Adds the given vertex with the given id to the cache
     * @param vertex
     * @param id
     * @throws IllegalArgumentException if the vertex is null or the id negative
     */
	public void add(InternalTitanVertex vertex, long id);

    /**
     * Returns an iterable over all vertices in the cache
     * @return
     */
    public Iterable<InternalTitanVertex> getAll();

    /**
     * Removes the vertex with the given id from the cache
     * @param vertexid
     * @return
     */
    public boolean remove(long vertexid);

    /**
     * Closes the cache which allows the cache to release allocated memory.
     * Calling any of the other methods after closing a cache has undetermined behavior.
     */
	public void close();

}


Cars are unpredictable. No matter the make or type of vehicle you have, the chance that your vehicle will break down at the least convenient time is probable. Many roadside assistance services in South Africa have much to be desired as many services promise an array of benefits, but rarely deliver when you are stuck on the side of the road with a car that will not start.
One has to be prepared for these frustrating breakdown situations and many of us know that waiting hours for any emergency roadside assistance service providers to arrive and tow our vehicle away is inconvenient as well as potentially dangerous. Professional roadside assistance companies should not only include towing but also medical assist rescue and 24 hour service in case it is needed.
Assist247's comprehensive list of roadside assistance services will provide you with a variety of options for your car problems, all of which are approved as well as reliable. These roadside assistance companies are there for your assistance and will help with a range of problems as well as move your vehicle to a more appropriate location.
Whether you are looking to join one of the many roadside assistance clubs available or are looking for a once-off service, you will find it on Assist247. There is no doubt that if you are in need of a tow truck or any form of breakdown aid, our list of the best roadside assistance services will be able to help you in your breakdown dilemma.


Description: ZYDPLA1 is a novel once weekly dosing compound in the Gliptin class of antidiabetic agents. It works by blocking the enzyme Dipeptidyl Peptidase-4 (DPP-4), which inactivates the Incretin hormone GLP-1. By increasing the GLP-1 levels, ZYDPLA1 glucose-dependently increases insulin secretion and lowers glucagon secretion. This results in an overall improvement in the glucose homoeostasis, including reduction in HbA1c and blood sugar levels.
Scrip First filing for Takeda's once-weekly DPP-4 inhibitor but prospects limited?


Rhode Island saw fewer traffic fatalities in 2018 than in 2017, but more than in each of the previous three years.
PROVIDENCE — Rhode Island saw fewer traffic fatalities in 2018 than last year, but more than in the previous three years before that.
From Jan. 1 to Thursday, 58 people died in car, pedestrian, bicycle or other crashes involving vehicles, according to preliminary data provided by the Rhode Island Office of Highway Safety. That is fewer than the 81 people who died last year, but more than the 49 in 2016, 44 in 2015 or 47 in 2014.
"The reality is, we can't be everywhere all the time, but we try to get the message out there all the time," said Col. Ann C. Assumpico, the outgoing superintendent of the Rhode Island State Police.
That message: buckle up, drive sober and safe, and put down the phone.
Broken down by category, Rhode Island saw some trouble spots: motorcyclist fatalities reached 17 this year, compared with 11 in 2017 and four in 2016.
Assumpico said it's hard to say why that's happening. It's possible there are more motorcycles on the road, or that distracted driving has played a role.
Rhode Island instituted a new hands-free law this year banning people from talking on their cellphones while holding the device up to their ear. They can use hands-free devices, and Assumpico said she thinks that's helped improve safety on Rhode Island roads and may have saved lives.
Two of the six earlier car-pedestrian fatalities were in Woonsocket, where 64-year-old Marian Morrow was struck and killed in November and 23-year-old Jamie Gilbert was struck and killed in December.
Calouro said criminal charges have not been filed in either case, and the investigations continue.
In the meantime, Woonsocket Police Chief Thomas F. Oates III has asked the state for grant money for a new message board to get word out to motorists about safety, Calouro said. They're also exploring repainting crosswalks and installing new signage, Calouro said. And the department plans to step up crosswalk enforcement, with the authorities pushing empty strollers into the street and ticketing anyone who doesn't yield.
"That's going to be a very aggressive campaign, with very little warning," Calouro said.
According to the state statistics, two people were killed on an all-terrain vehicle. Ryan Kennedy, 23, of Coventry, and a passenger, Jennifer Silva, 18, of Johnston, died in the crash in Coventry in September.
One person, a 6-year-old boy, was killed while riding a bicycle.
Mason Sterne was on the East Bay Bike Path, crossing Poppasquash Road in Bristol, when he was hit by a car and killed in July.
The intersection had drawn complaints from people who were concerned about the overgrowth of bushes and other plants, which obscured sight lines on the road.
State workers took trimmers to the bushes soon after the accident, and residents took matters into their own hands, installing stop signs at the intersection. The state Department of Transportation let the signs stay.
Mason's family has filed legal papers that would let them subpoena town, state and other records, but has not yet filed a lawsuit.


This case involves the plaintiffs John and Meredith Walters versus the defendants the City of New York, Mohamed A. Khamis, and Marcelin Papilon and the plaintiffs Michael F. and Veronica Schunk versus the City of New York, Mohamed A. Khamis, and Marcelin Papilon and the plaintiff Mohamed Khamis versus the defendant the City of New York Fire Department. The case is being heard in the Supreme Court of the State of New York located in New York County. Judge Matthey F. Cooper is overseeing the case.
This case involves three personal injury actions, Walters, Schunk, against the City of New York and Khamis versus the City of New York Fire Department. The defendant, the City of New York has motioned for a summary judgment in all of the cases.


text:
Arrondissement Fougères-Vitré je správní územní jednotka ležící v departmentu Ille-et-Vilaine v regionu Bretaň ve Francii. Člení se dále na 12 kantonů a 116 obcí.

Kantony
 Antrain
 Argentré-du-Plessis
 Châteaubourg
 Fougères-Nord
 Fougères-Sud
 La Guerche-de-Bretagne
 Louvigné-du-Désert
 Retiers
 Saint-Aubin-du-Cormier
 Saint-Brice-en-Coglès
 Vitré-Est
 Vitré-Ouest

Fougeres-Vitre
Ille-et-Vilaine

redpajama_set_name: RedPajamaWikipedia


Extract of sample "The biotic and abiotic structure and function of an ecosystem"
"The Biotic and Abiotic Structure and Function of an Ecosystem Coursework", n.d. https://studentshare.org/environmental-studies/1491806-the-biotic-and-abiotic-structure-and-function-of.
Let us write or edit the coursework on your topic "The biotic and abiotic structure and function of an ecosystem" with a personal 20% discount.
Let us find you another Coursework on topic The biotic and abiotic structure and function of an ecosystem for FREE!


text:
Q: Angular Material SpeedDial starts open on Firefox Browsing through the ngMaterial issues I can spot a few mentions on SpeedDial, namely here, here, and here.
What I am noticing though is that by adding ng-cloack I can get rid of the "starting as open" issue on Chrome, but it still remains on Firefox. There is no mention of this Firefox specific issue anywhere though.
Has anyone encountered this before and if yes is there a workaround?

redpajama_set_name: RedPajamaStackExchange


text:
How About Now è il tredicesimo album in studio del musicista statunitense Kenny Loggins, pubblicato nel 2007.

Tracce

Collegamenti esterni


text:
Australia markets close in 4 minutes
Yahoo Finance AU
Common mortgage mistake costing Aussies $2,000
Anastasia Santoreneos
This mortgage mistake is costing you $2,000. Source: Getty
Nearly half of all Aussie home owners don't know the exact interest rate on their home loan, and they could be losing thousands per year because of it, a new report has shown.
Only 46.5 per cent of Aussies know their current interest rate, and apathy appears to be increasing, with fewer Australians knowing their rate in 2020 compared to previous surveys, according to data from Mortgage Choice.
Borrowers aged 30 to 39 were the most likely to not know their interest rate, followed by those aged 50 to 59.
But being complacent is costing them.
In the past year alone, the official cash rate has dropped by 6.5 per cent, and many lenders are open to negotiating on rate reductions, chief executive officer of Mortgage Choice, Susan Mitchell said.
"Let's say your principal and interest rate is 3.99 per cent and shopping around with the help of a mortgage broker enables you to drop by 50 basis points to 3.49 per cent.
"On a 30-year home loan of $600,000, the savings could be in the vicinity of $170 per month," she said.
That's more than $2,000 per year.
"It's so important to know your interest rate because if you've been complacent the chances that you are paying too much are extremely high," Mitchell said.
Mitchell added all borrowers who haven't their loan reviewed in the last 24 months should speak to their broker or their lender to learn if they're still in a competitive home loan.
And the New Year is a great time to do it.
"At this time of year many of us will start setting new fitness goals and find a personal trainer or sign up for online fitness classes," she said.
"I urge any borrowers who may be neglecting their home loan to keep the same mindset when it comes to their financial wellbeing."
Getting a broker could save you thousands
According to founder and CEO of The Remarkable Woman, Shivani Gopal, engaging the services of a mortgage broker could also save you thousands on your home loan repayments.
"One of the most significant benefits of working with a mortgage broker is their ability to find you the best rates," Gopal said.
That's largely because brokers work on a commission basis, which means they are results-driven.
"It is in the best interest of your mortgage broker to find you the best deal," she said.
How do I renegotiate by home loan?
It's still possible to negotiate your home loan by yourself, but Gopal said you must be armed with facts before you do so.
"Don't ask your bank what the best rate they can offer you is. They won't be inclined to reduce your rate. Instead, do your research on what other banks' rates are and have these comparison rates on hand," she said.
"When you do approach your bank, ask them to match the lowest of these rates you've uncovered.
"It's your responsibility to know what other banks are offering so do the homework and you'll reap the rewards."
Want 2021 to be your best (financial) year yet? Follow Yahoo Finance on Facebook, LinkedIn, Instagram and Twitter, and subscribe to the free Fully Briefed daily newsletter here.
'Heartless insult': PM slammed over controversial Australia Day comment
LM Corsa has announced a switch from Lexus GT3 machinery to the GT300 version of the Toyota GR Supra for the 2021 SUPER GT season.
The PM has been blasted over a controversial comment that critics claim compared the struggles of Indigenous people to those of convicts on the First Fleet.
The Poly Effects Digit and Beebo are two of the more interesting guitar pedals to come out in the last few years. They were built on the exact same platform and their firmware are completely interchangeable. Now the company is taking the next logical step, and combining them into a single firmware and single pedal under the Beebo name.
When the Tokyo Olympics were postponed last year, officials promised they would open in 2021 as proof of mankind's triumph over the coronavirus.
(Bloomberg) -- Global stocks climbed to another all-time high Thursday on optimism that U.S. fiscal spending will revive economic growth and bolster corporate earnings. The dollar weakened.Asian shares rose for a third session as Chinese stocks outperformed and Hong Kong's Hang Seng index hit 30,000 points for the first time since May 2019. U.S. futures edged higher after the S&P 500 posted its best first-day reaction to a presidential inauguration since at least 1937. The tech-heavy Nasdaq 100 Index jumped more than 2%. Netflix Inc and ASML Holding NV were among companies that gained on solid results. Treasuries were little changed.In China, the nation's three biggest telecommunications firms said they requested a review of the New York Stock Exchange's decision to delist their shares. Separately, Twitter Inc. locked the official account of the Chinese embassy to the U.S., citing a violation of its "dehumanization" policy.Elsewhere, oil dipped as concerns over lackluster consumption amid the pandemic crept back in. The yen was steady after the Bank of Japan kept its main policy settings unchanged. The Australian dollar rose as the nation's unemployment rate dropped.Investors looked past a fresh stumble in the rollout of vaccines and elevated infection rates, toward the promise of increased economic support and an expanded federal effort to get shots to more Americans under President Joe Biden. Stimulus plans in Europe will come under further scrutiny after the European Central Bank's policy decision later Thursday."We are really optimistic about the growth and markets outlook for 2021," Lale Akoner, senior market strategist at BNY Mellon Investment Management, said on Bloomberg TV. "The reflation trade that has been going on since September has more room to run."Investors are counting on more aid to help propel economic growth under Biden. Still, it won't be all smooth sailing, with Janet Yellen encountering early Republican resistance to Biden's relief plan in her confirmation hearing to become Treasury secretary.On the virus front, Germany suffered record daily deaths and a study on the South African variant raised concern about the efficacy of vaccines.These are some key events coming up:Policy decisions are due Thursday from Bank Indonesia and the European Central Bank.Earnings are due from companies including Kia Motors Corp., Schlumberger Ltd. and Yes Bank Ltd.These are the main moves in markets:StocksS&P 500 futures rose 0.4% as of 1:25 p.m. in Tokyo. The gauge climbed 1.4% on Wednesday.Japan's Topix index climbed 0.7%.South Korea's Kospi added 0.6%.Hang Seng rose 0.2%.Shanghai Composite rose 1.3%.Euro Stoxx 50 futures advanced 0.4%.CurrenciesThe Bloomberg Dollar Spot Index slipped 0.2%.The yen was at 103.49 per dollar.The offshore yuan was at 6.4610 per dollar.The euro bought $1.2130, rising 0.2%BondsThe yield on 10-year Treasuries held at 1.08%.CommoditiesWest Texas Intermediate crude dipped 0.4% to $53.12 a barrel.Gold was at $1,871.06 an ounce, down 0.1%.For more articles like this, please visit us at bloomberg.comSubscribe now to stay ahead with the most trusted business news source.©2021 Bloomberg L.P.
Cole Anthony hits running, buzzer-beating 3-pointer to steal win for Magic
It's been a fun rookie class this year.
The world's largest asset manager said it could use bitcoin derivatives for its funds BlackRock Strategic Income Opportunities and BlackRock Global Allocation Fund Inc. The funds will invest only in cash-settled bitcoin futures traded on commodity exchanges registered with the Commodity Futures Trading Commission, the company said in a filing to the Securities and Exchange Commission on Wednesday. Chief Executive Officer Larry Fink had said at the Council of Foreign Relations in December that bitcoin is seeing big giant moves every day and could possibly evolve into a global market.
'Embarrassed' A.J. Brown apologizes for post-op Instagram session, blames nurse
A.J. Brown appeared to be feeling the effects of anesthesia when he took to Instagram live.
2 Bills fans, 1 tweet and 1 Reddit post triggered over $450K for a Lamar Jackson charity. Is this sports' next great tradition?
Maybe this concept expands to other fans, even other sports. In a time of division, there is something special about acknowledging a rival by kicking in a few bucks for a good cause.
Global Tartaric Acid Market to Grow $96.03 Million During 2020-2024 | Growing Demand from the Wine Industry to Boost Growth | Technavio
The Tartaric Acid Market will grow by USD 96.03 mn during 2020-2024


WOW!!!! This is going to be sooooo much fun!! Sausage fattners!!
anyone know what bpm the vocal stems are?
Sent them mine, dubstep… hopin for the best!!!
Oooouuuuuu…. F********ck…. I missed it….
My Remix READY!!!! Yyeeeaahhhh!!! I hope you like it!
When are the results ?
ooh man…please extend it untill 20th or something…i just started, and wont make it i think…or..i guess..since it?s basically 20th now..damn! Found out about it like 2 hours ago!
Can someone give me the stems… I realize the contest is over. I still want to make a remix.


Q1: I received the order. But there's an issue. Can I return my ordered items?
Products are not stitched as per the measurements provided by you.
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Kindly be informed that any product purchased from our 'Sale' Section will not be returned under the Returns Policy except if it's an error at our end relating to a manufacturing defect or a wrong item has been shipped out to you by mistake.
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text:
Half Letter Press
Service: A Trilogy on Colonization
› Archive
By Martha Rosler
New York: Printed Matter, 2008
Dimensions: 8 in x 5 in
Cover: soft
Binding: perfect bound
Process: offset print
Color: b&w
Providing art as a service to others or thinking about this as a way to destabilize the commodity-function of art has been formative for Temporary Services and Half Letter Press. Martha Rosler has been a pioneer is so many ways that have impacted contemporary art practice. This is just one of them. There is no way we could miss offering this publication in our growing catalog. It was recently reprinted by the tireless folks at Printed Matter.
They describe the book thusly:
A reprint of the 70s classic. "A Budding Gourmet", "McTowers Maid," and "Tijuana Maid": three short novels address the social uses of food (the third told in both Spanish and English). Originally a mail art project, the stories were serialized and sent to potential readers on postcards. References: Johanna Drucker, The century of artists' books, 1995. Anne Moeglin-Delcroix, Esthétique du livre d'artiste, 1960-1980. Robert C. Morgan, "Systemic books by artists," Artists' books: a critical anthology and sourcebook.
And if all this doesn't convince you... here is Rosler's introduction to the book:
A Note on One Aspect of Form
This is a book of three novels and one translation. In their original form the novels were sent through the mail as postcard series, one card about every five to seven days.
Mail both is and isn't a personal communication. But whether welcome or unwelcome, it thrusts itself upon you, so to speak, and must be dealt with in the context of your own life. Its immediacy may allow its message to penetrate the usual bounds of your attention. A serial communication can hook you, engaging your long-term interest (intermittently, at least). There was a lot of time – and mental space – around each installment of these novels, time in which the communication could unfold and reverberate. So, they are long novels, and slow ones...
Martha Rosler, August, 1976
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Breakdown Break Down Press
Journal of Aesthetics & Protest
Soberscove Press
Currency: US Dollar
© Half Letter Press


text:
Roughie's view: Hibs need to forget handball
By Peter MartinMay 13, 2016November 22nd, 2022No Comments
It was penalty. No doubt about it. McCracken has handled in the box.
I've seen penalties given for less. Has the referee seen the incident? You'd like to think so. He's only ten yards away and has a clear view.
You can only assume he hasn't adjudged it to be deliberate.
Listen, if something like that happens in the next game all hell will break loose and that's when stupid things happen.
Let's hope that when it comes to the second leg it's won on merit.
That's why Alan Stubbs is furious. Everybody knows that can be the difference between winning and losing. Things like that can change the whole game and put it on its head.
Going up 3-1 at home, the momentum would have been with Hibs.
But they just have to get on with it there's no point in talking about it. They have to focus on Friday.
It was a typical tense game. Everyone was expecting something special.
There was not a lot of good football played but there was lots of excitement.
I think it will be the same in the next one as well. You need certain players to respond positively to the pressure and what is at stake.
Conrad Logan's mistake? He's done well since he's came in. You can't complain but it's a bad error.
It's just one of these things, you've got to hold your hands up and get on with it.
It just shows how crucial it is for keepers not to make those mistakes.
If you have somebody who's at the back that can make match-winning saves other than thrown them in, then you've got a head start.
Mark Oxley has been poor as well. Logan has already been a match-winner with the penalties in the Cup semi-final so who is to say he's not going to be the match winner on Friday?
I think if Stubbs leaves him out now it would be a bad shout.
I think he has played well since he's gone in and he knows the other boy makes mistakes under pressure as well so he'll be hoping that they don't have to worry about that.
I can't split the sides just now they are two teams with so much confidence.
I think it will be won by something special and they've got players in both sides who can do that. It will be a fantastic atmosphere too with the game being sold out.
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In this web-site you will find a dedication page to the late Buddy Knox. You will also have access to vintage photographs and biographies on each performer for "Pioneers of Rock & Roll". There's a page on these history making recording artists and links to the web-sites for these artists, so that you can get a more in-depth look at them.
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