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Saving the Cat
Posted on February 5, 2018	by sdgibson
Consider this structure for plotting from Blake Snyder's Save the Cat and Publishingcrawl.com:
Opening image
An image/setting/concept that sets the stage for the story to come.
Long ago, in a galaxy far away, a controlling government called the Empire takes control of planets, systems, and people. Anyone who resists is obliterated.
Protagonist Intro
Who is the main character? Give 1-2 descriptive words and say what he/she wants.
Luke Skywalker, a naïve farm boy with a knack for robotics, dreams of one day escaping his desert homeland.
Inciting incident
What event/decision/change prompts the main character to take initial action.
When he buys two robots, he finds one has a message on it – a message from a princess begging for help. She has plans to defeat the Empire, and she begs someone to deliver these plans to a distant planet. Luke goes to his friend and mentor, the loner Ben Kenobi, for help.
Plot point 1
What is the first turning point? What action does the MC take or what decision does he/she make that changes the book's direction? Once he/she crossed this line, there's no going back.
Ben tells Luke about a world where the Empire rules and Rebels fight back, where Jedi Knights wield a magic called the Force, and how Luke must face Darth Vader – the man who killed Luke's father and now seeks to destroy Luke too. Luke refuses, but when he goes back to his farm, he finds his family has been killed. He has no choice but to join Ben.
Conflicts & character encounters
Now in a new life, the MC meets new people, experiences a new life, and meets the antagonist/villain.
To escape the desert planet, Ben and Luke hire a low-life pilot and the pilot's hairy, alien friend. Luke, Ben, Luke's robots, the pilot, and the hairy friend leave the planet and fly to the Death Star, Darth Vader's home and the Empire's main base.
What is the middle turning point? What happens that causes the MC to make a 180 degree change in direction/change in emotion/change in anything? Again, once he/she has crossed this line, there's no going back.
Once on board the Death Star, Luke discovers the princess is being held as a hostage. He and the group set out to find the princess, while Ben sets out to find a way for them to escape the base.
Winning seems imminent, but…
What happens that makes the MC think he/she will win? She seems to have the upper hand, but then oh no! The antagonist defeats her and rushes off more powerful than ever before.
After rescuing the princess, Luke and the group try to escape. Ben sacrifices himself so they can flee, and Darth Vader kills Ben. The group flees the Death Star on their own ship.
Black moment
The MC is lower than low, and he/she must fight through the blackness of his/her emotions to find the strength for the final battle. What happens here?
Luke is devastated over Ben's death, and he is more determined to fight Darth Vader and help the Rebels defeat the Empire. Luke joins the Rebel army, and helps them plan an attack on the Death Star's only weakness.
What happens in the final blow-out between the MC and the antagonist?
The Death Star arrives in space near the Rebels, and the attack begins. Luke joins the assault team of fighter ships. The Rebels suffer heavy losses, and soon Luke is one of the few remaining pilots and ships. He takes his chance and initiates the final attack. Guided by Ben's voice and the Force, he manages to fire the single, critical shot to explode the Death Star.
Does everyone live happily ever after? Yes? No? What happens to tie up all the loose ends?
With the Death Star destroyed and the Empire severely damaged, the Rebels hold a grand ceremony to honor Luke and his friends. The princess awards them with medals for heroism.
What is the final image you want to leave your reader with? Has the MC succumbed to his/her own demons or has he/she built a new life?
Though Luke is still sad over the loss of Ben and his family, he has found a place among the Rebels, and with them, he will continue to fight the Empire.
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When his families past brutally returns, Russian exile Alex Godman is drawn into the murky world of international crime. Having spent his life trying to escape the shadow of his father's criminal past and running a successful London hedge fund, Alex suddenly finds himself having to protect his family and fight for all he has worked for. In doing so he must take a path he always vowed against.
Alex reluctantly joins Semiyon in Prague as he ventures on a plan that will hugely cost Vadim's business interests. Alex is asked to put his own business in danger as the pressure mounts, and Dmitri's grief takes increasing grip as he spirals out of control, leaving the family feeling lost. Meanwhile, a young girl lands in Cairo and embarks on a very different journey.
As Alex comes to terms with the repercussions of his actions, and Vadim closes in, Rebecca meets a mysterious figure who reaches out to Alex with an interesting proposition.The couple fly to the South of France for a surprising weekend. While in London Dmitri slowly recuperates, as Oksana learns a secret that threatens to tear the family apart.
Semiyon awakes to an awful accusation against him, and few allies that can save him. Alex believes he is innocent and embarks on uncovering his accusers, despite Rebecca's protests. Joseph learns that Ludymilla maybe the key to Semiyon's salvation, but her cooperation comes with conditions and Katya unravels and unsavoury truth that troubles her.
Vadim starts to slowly close in on the Godman family and gather intelligence,as Alex gets increasingly concerned for his family's safety he enlists professional security. Rebecca reaches an impasse with Alex as she learns of the jeopardy he has placed his business in. He decides she should move out while she is still struggling with his decisions.
Vadim's associates pressure him into brokering peace. He flies to Istanbul to meet with Semiyon and Alex. On his return home Alex visits Rebecca and learns of the terrible price of having immersed himself into the world of crime.Dmitri contacts his Russian connections and makes a decision that endangers them all.
Alex flies to Moscow, ready to do business with the Federal Security Services, but is completely unaware of Natasha's death. Ilya and Vadim lie in wait for him, but with their associates keeping an eye on them they can't act immediately. Dmitri and Oleg do all they can from afar but Alex has to pull on all his resources, will he survive and what will the price be?


Cumberland – Alberta (Koussa) Rudy, 97, of Cumberland passed away peacefully Tuesday, February 12, 2019 at the Holiday Retirement Home, Lincoln. She was the wife of the late John W. "Jack" Rudy.
Born in Pawtucket, a daughter of the late Bashir and Ameena (Harris) Koussa, she had lived in Cumberland for the past 44 years.
Mrs. Rudy was an active member of the Church of St. Basil the Great in Lincoln. She served as President several times as well as holding other offices of St. Basil's Altar Sodality. She was a member of the Senior Citizen Organization, Prayer Line and Friendly Visitors. She cooked for many years for the St. Basil's Annual Bazaar. She loved to travel, cook, read and spend time with her family.
She is survived by one son, Fr. John Rudy, OFM of the Holy Name Franciscan Fathers, of Cumberland; and several nieces and nephews. She was the sister of the late George, Albert and Michael Koussa.
Relatives and friends are invited and may call at the Church of St. Basil the Great, 15 Skyview Drive, Lincoln Monday, February 18 from 10-11:30 A.M. followed by a Melkite funeral service at 11:30 A.M. Her burial will follow in St. Basil's Cemetery, Cumberland. For Directions and Guest Book, please visit www.bellowsfuneralchapel.com. Arrangements entrusted with Bellows Funeral Chapel, 160 River Road, Lincoln.


Recommendations and practices of feeding solid foods to infants are widely divergent in the United States and in other countries. Although few differences in health are noted from such divergent practices, the consequences may be subtle or may require long-term, careful observations.
The previous Committee on Nutrition statement1 on this subject reviewed the history of the use of solid foods and showed that solid or supplemental foods were seldom offered to infants before 1 year of age until about 1920. Breast milk, for the most part, or modified cow's milk formulas supplied all or most of the nutritional needs of infants during the first year. The first supplements to the diet were cod liver oil to prevent rickets and orange juice to prevent scurvy.
Over the next 50 years recommendations were made that some cereals and strained vegetables and fruits be introduced at about 6 months of age to: (a) supply iron, vitamins, and possibly other factors; and (b) help prepare the infant for a more diversified diet. A much wider variety of infant foods became available, and these were introduced into the infant's diet earlier and earlier. Some of the reasons for earlier introduction of solid foods were the desire of mothers to see their infants gain weight rapidly, the ready availability of convenient forms of solid foods, and the mistaken assumption that added solid foods help the infant to sleep through the night.
Infant feeding should be considered in three overlapping stages: the nursing period, during which breast milk or an appropriate formula is the source of nutrients; a transitional period, during which specially prepared foods are introduced in addition to breast milk or a formula; and a modified adult period, during which the majority of the nutrients come from the foods available on the family table.


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'Ugly episode:' Northam allies slam his decision to alter board vote before Dominion vote
Gov. Ralph Northam (D) promised to be a different kind of politician, one who would never lie and always operate aboveboard. But his interference in a controversial vote by air pollution regulators has caused some to question those claims.
Observers were shocked when Northam swooped in two weeks ago and replaced two members of the State Air Pollution Control Board, which was considering whether to approve a natural gas facility in a historic black community.

redpajama_set_name: RedPajamaCommonCrawl


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Tailored Approaches: How State ESSA Plans Address 'Continuous Improvement'
By Alyson Klein
Although the term isn't specified in the Every Student Succeeds Act itself, state plans for ESSA are embracing some form of "continuous improvement"—systemic changes, informed by data, aimed at helping schools, districts, and state education agencies bolster outcomes for students over time. Among the examples in ESSA plans submitted to the federal government:
Developed a School Improvement Support Network as part of a redesigned Office of School Improvement to help districts craft plans to improve low-performing schools. The network trains district and state officials on understanding the needs of low-performing schools, and identifying the root causes of their problems, employing data in the school improvement process.
Set initial long-term goals for the first five years of ESSA plan implementation and will continuously update its goals for achievement and graduation rates annually. That way the goals can be regularly adjusted based on student outcomes over time.
Working with Proving Ground, an initiative out of Harvard University, to study the impact of evidence-based interventions on low-performing schools.
Working to develop a "real time" data system that will help the state and schools answer questions like how many 9th graders are behind where they need to be in terms of credit, or how many students have transferred from one school to another. Has reached out to the education community to get feedback on the state's submitted ESSA plan.
Districts and schools must submit "continuous improvement" plans to the state that take into account both quantitative data such as test scores and graduation rates and qualitative data from school quality reviews performed by neighboring educators.
Sources: Data Quality Campaign, Education Counsel, Results for America, Bellwether Education Partners, Collaborative for Student Success, Education Week.
Coverage of continuous-improvement strategies in education is supported in part by a grant from the Bill & Melinda Gates Foundation at www.gatesfoundation.org. Education Week retains sole editorial control over the content of this coverage.
"'Continuous Improvement' Model Woven Into State ESSA Plans," May 7, 2018.
"Schools Struggle to Use Data to Spark Improvement," March 21, 2018.
"Tinkering Toward Better Schools," February 7, 2018.
"A Primer on Continuous School Improvement," February 7, 2018.
Executive Director (Head of School)
Triangle Associates, Burien, Washington State


An 8-week course at Northbrook College University Centre taught by experienced artist and teacher, Steve Carroll. We shall be pushing the medium of drawing with unconventional exercises with the view to it bringing in new influences for your art. Materials required: A2 cartridge pad, a drawing board, graphite pencils, charcoal and ink.
This weekly drop in session for you to explore an existing project or starting a new one with Collagraph Printing method. It spread out 5 weeks to allow time to explore making a plate with different materials and variety inking methods. The session is less construct rather the attendant who lead to create their own work with support. The aim is to extend the continuous exploration with your work.
Collagraph is an exciting technique where textured papers and materials are glued to a backing board to make a plate and produce rich, expressive and highly textural prints. You will make you own collagraph plates, learning how to translate your design into a textural collage. While printing you will also have the chance to explore a variety of inking techniques to add further depth and colour to your work. Beginners welcome.
This workshop is designed for everyone who has no knowledge or skill of metal folding but who wants to try their hand – but beware it can be a noisy day (even wearing ear-defenders). The cost for the day is £99.00 and includes use of tools and all the materials needed. There are a maximum of six places on each course and they usually run on a Saturday from September through to May. Book early to avoid disappointment, or you may prefer to start by calling David on 07796-141180 to find out about suitability and available places.


Posted by West + Main Homes on Tuesday, March 19th, 2019 at 8:34am.
A great opportunity for this 2 bed 1 bath ranch home in Athmar Park.
West facing location with plenty of natural light. All the major systems have been replaced in the last few years by the previous owners: roof, gutters, vinyl siding, furnace, electrical system and sewer line. Updates also include double paned vinyl windows and updated kitchen and bath. Entertain in the huge fenced backyard including a large covered patio. Soak in the newer hot tub with a view of the Denver skyline in the winter. One car over sized attached garage with built-in shelves for additional storage. Plenty of extra driveway and street parking. Enjoy the nearby parks, rec center, restaurants, library, trails and more. Athmar Park is minutes away from downtown, easily accessible via the Alameda or Broadway light-rail stations and within 15 minutes driving distance to Cherry Creek, Wash Park, S Pearl Street, and much more.
Listed by Linda Pissare for West + Main Homes. Please contact Linda for current pricing + availability.


The Schtick: This is an older, but lower proofed version of Lagavulin 12. Now the pride and jewel of Parks and Rec and Ron Swanson alike, it has reached some level of cult popularity despite the merits of what is in the bottle.
Nose: Sweetness and smoke, both together and a bit less peat. It's there, but not overpowering and certainly more subtle than the 12. Light vanilla and some mild citrus.
Taste: This is definitely a much lighter dram than the 12, this is likely attributed to the 12% drop in ABV. A little more blended with no particular flavor dominating under the smokey canopy. I like that I experience a bit more fruit and sweetness here, especially brown sugar and cream. That being said, it really feels "weak". I think I'd rather take the improvements garnered from the boost in proof than the additional sweetness here. I'm not as impressed as with the 12.
Finish: Surprisingly the finish doesn't seem as long as the 12, but it's also less harsh. The smoke lingers a bit more but there's less richness and complexity here.
Overall: This bottle is fine. It's really just fine. I understand why some people are annoyed with it – it's every fanboy's favorite and I'll even admit I have a bottle and box signed by the Duke himself. That being said, you can find better quality product in the same product line and in many others – often for a more reasonable price, also.
> That being said, you can find better quality product in the same product line and in many others – often for a more reasonable price, also.
Any specific suggestion? I like the emphasis on smoke (instead of peat), combined with the slight sweetness — the Talisker DE is too sweet to my taste, for instance.
I can't recommend Lagavulin 12CS enough and I don't find the DE too sweet, either. Beyond that, I believe Laphroaig 10CS is a clear winner over just about anything in the Diageo line.


<CONFORMED-NAME>HEALTHCARE TRUST OF AMERICA, INC.
<FORMER-CONFORMED-NAME>Healthcare Trust of America Holdings, Inc.
<FORMER-CONFORMED-NAME>HEALTHCARE TRUST OF AMERICA, INC.
On October 25, 2018, Healthcare Trust of America, Inc. (NYSE: HTA) ( "HTA") issued a press release announcing its financial results for the three and nine months ended September 30, 2018. HTA also commenced distributing its Supplemental Information for the three and nine months ended September 30, 2018. The press release and Supplemental Information are attached as Exhibit 99.1 and Exhibit 99.2, respectively, and are incorporated herein by reference. The press release and Supplemental Information are also available on HTA's website, free of charge, at www.htareit.com.
The information included in this Current Report on Form 8-K, including Exhibit 99.1 and Exhibit 99.2, is deemed "furnished" and not filed under the Securities Exchange Act of 1934, as amended (the "Exchange Act"), and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.
Press Release dated October 25, 2018.
Supplemental Information for the three and nine months ended September 30, 2018.
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrants have duly caused this report to be signed on their behalf by the undersigned hereunto duly authorized.
Scottsdale, Arizona (October 25, 2018) - Healthcare Trust of America, Inc. (NYSE: HTA) ("HTA") announced results for the three and nine months ended September 30, 2018.
Net Income Attributable to Common Stockholders: Increased $159.2 million, to $173.0 million, compared to Q3 2017. Earnings per diluted share increased $0.75, to $0.82 per diluted share, compared to Q3 2017.
Funds From Operations ("FFO"): As defined by the National Association of Real Estate Investment Trusts ("NAREIT"), decreased (3.4)%, to $81.4 million, compared to Q3 2017. FFO per diluted share decreased (7.3)%, to $0.38 per diluted share, compared to Q3 2017.
Normalized FFO: Increased 0.8%, to $86.1 million, compared to Q3 2017. Normalized FFO per diluted share decreased (2.4)%, to $0.41 per diluted share, compared to Q3 2017.
Normalized Funds Available for Distribution ("FAD"): Decreased (8.0)%, to $68.8 million, compared to Q3 2017.
Same-Property Cash Net Operating Income ("NOI"): Increased $2.7 million, or 2.5%, to $108.8 million, compared to Q3 2017.
Net Income Attributable to Common Stockholders: Increased $176.7 million, to $198.1 million, compared to 2017. Earnings per diluted share increased $0.82, to $0.94 per diluted share, compared to 2017.
FFO: As defined by NAREIT, increased 26.0%, to $250.4 million, compared to 2017. FFO per diluted share increased 6.3%, to $1.19 per diluted share, compared to 2017.
Normalized FFO: Increased 19.0%, to $256.2 million, compared to 2017. Normalized FFO per diluted share increased 0.8%, to $1.22 per diluted share, compared to 2017.
Normalized FAD: Increased 15.3%, to $217.0 million, compared to 2017.
Same-Property Cash NOI: Increased $5.6 million, or 2.4%, to $233.2 million, compared to 2017. Excluding the MOBs located on its Forest Park Dallas campus, Same-Property Cash NOI growth was 2.7%.
Leasing: During the three months ended September 30, 2018, HTA entered into new and renewal leases on approximately 532,000 square feet of gross leasable area ("GLA"), or 2.3%, of its portfolio. Tenant retention for the Same-Property portfolio was 82% by GLA for the quarter, which included approximately 381,000 square feet of GLA of total expiring leases. Re-leasing spreads for renewal leases on a cash basis were approximately 3.7%. Renewal leases included tenant improvements of $1.53 per square foot of GLA per year of the lease term and less than one day of free rent per year of the lease term during the three months ended September 30, 2018.
Leased Rate: As of September 30, 2018, HTA had a leased rate for its portfolio of 92.1% by GLA and an occupancy rate of 90.9% by GLA.
Forest Park Update: During the three months ended September 30, 2018, HTA entered into approximately 41,000 square feet of GLA of new leases on the former Forest Park Dallas campus (the "Campus"), bringing total new leasing for the Campus to 81,000 square feet of GLA for the nine months ended September 30, 2018. The total leased rate for the Campus was approximately 84% as of September 30, 2018.
In August 2018, HTA completed the disposition of its Greenville, South Carolina MOB portfolio (the "Greenville Disposition"), which consisted of 17 MOBs for an aggregate gross sales price of $294.3 million in two transactions, including (i) the sale of a single MOB which HTA classified as held for sale as of June 30, 2018, and (ii) the Greenville Disposition which consisted of approximately 965,000 square feet of GLA.
Additionally, HTA completed the disposition of two MOBs located in Derry, New Hampshire and North Adams, Massachusetts for an aggregate gross sales price of $11.6 million, totaling approximately 120,000 square feet of GLA.
Development/Redevelopment: During the nine months ended September 30, 2018, HTA announced a new development in its key gateway market of Miami, Florida and commenced two redevelopments, including an agreement to build a new on-campus MOB in Raleigh, North Carolina. These projects will have total expected construction costs of approximately $70.6 million and are approximately 78% pre-leased to major health systems.
Investments: During the nine months ended September 30, 2018, HTA invested approximately $13.9 million to acquire three MOBs of approximately 60,000 square feet of GLA in the key market of Raleigh, North Carolina. In addition, HTA invested approximately $3.9 million to consolidate its ownership interests in several other MOBs.
Cash NOI: During the three months ended September 30, 2018, HTA generated $36.4 million of Cash NOI from its 2017 investments, including its investment in its unconsolidated joint venture. As of September 30, 2018, HTA's run rate yield on its 2017 investments was approximately 5.3%, which included the full year impact of new leases which have been executed, but which have not yet commenced.
Development: As part of the 2017 investments, HTA acquired seven development projects that were under construction and not stabilized at the date of acquisition. During the quarter, HTA completed the remaining development of the Providence Facey MOB in Los Angeles, California. This MOB is approximately 37,000 square feet of GLA and is 100% pre-leased.
Balance Sheet: As of September 30, 2018, HTA had total leverage of 29.7%, measured as debt less cash and cash equivalents to total capitalization, and 5.3x, measured as debt less cash and cash equivalents to Adjusted Earnings before Interest, Taxes, Depreciation and Amortization for real estate ("Adjusted EBITDAre"). Total liquidity at the end of the quarter was $1.2 billion, including $994.5 million of availability under HTA's unsecured revolving credit facility and $225.5 million of cash and cash equivalents.
Debt: In August 2018, HTA prepaid approximately $72.6 million of its fixed and variable rate mortgages, including the settlement of three cash flow hedges, utilizing net proceeds from the Greenville Disposition to do so. Additionally, in August 2018, HTA's operating partnership, HTALP, entered into a modification of its $200.0 million unsecured term loan previously due in 2023. This modification decreased pricing at HTA's current credit rating by 65 bps. The maturity date was also extended by five months to January 2024. The other material terms of the unsecured term loan prior to the modification remained substantially unchanged.
Stock Repurchase Plan: In August 2018, HTA's Board of Directors approved a stock repurchase plan authorizing HTA to purchase up to $300.0 million of its common stock from time to time. During the nine months ended September 30, 2018, HTA repurchased 628,002 shares of its common stock at an average price of $26.25 per share, for an aggregate amount of approximately $16.5 million. As of September 30, 2018, the remaining amount of common stock available for repurchase under the stock repurchase plan was approximately $283.5 million.
Topic 842 Leases: In February 2016, the Financial Accounting Standards Board issued Topic 842, which is effective for HTA as of January 1, 2019. As part of Topic 842, companies are required to expense initial direct costs that are currently capitalized. For the nine months ended September 30, 2018, HTA capitalized approximately $3.7 million of internal costs related to leasing activities. Utilizing a traditional third party leasing commission structure of 3% of gross lease value, total leasing commissions would have totaled over $9 million during the nine months ended September 30, 2018.
As of January 1, 2019, these external costs, which are primarily external broker fees and external legal fees, will be recorded in HTA's consolidated statement of operations as additional general and administrative expenses. HTA estimates the range of these expenses to be approximately $6 million to $8 million on an annualized basis and effecting Earnings Per Share and corresponding FFO by approximately $0.03 to $0.04 per share on an annualized basis.
Debt: Subsequent to September 30, 2018, HTA prepaid approximately $67.2 million of its fixed rate mortgages. HTA did not incur any prepayment fees related to this transaction.
Dividends: On October 25, 2018, HTA's Board of Directors announced a quarterly dividend of $0.310 per share of common stock and per OP Unit. The quarterly dividend is to be paid on January 9, 2019 to stockholders of record of its common stock and holders of its OP Units on January 2, 2019.
Stock Repurchase Plan: Subsequent to September 30, 2018, HTA repurchased 289,519 shares of its common stock at an average price of $25.69 per share, for an aggregate amount of approximately $7.4 million under its stock repurchase plan.
Rental income decreased (0.2)% to $175.0 million for the three months ended September 30, 2018, compared to $175.4 million for the three months ended September 30, 2017.
Net income increased $162.4 million, to $176.3 million for the three months ended September 30, 2018, compared to $14.0 million for the three months ended September 30, 2017.
FFO, as defined by NAREIT, was $0.38 per diluted share, or $81.4 million, for the three months ended September 30, 2018, compared to $0.41 per diluted share, or $84.2 million, for the three months ended September 30, 2017.
Normalized FFO was $0.41 per diluted share, or $86.1 million, for the three months ended September 30, 2018, compared to $0.42 per diluted share, or $85.4 million, for the three months ended September 30, 2017.
Normalized FAD decreased (8.0)% to $68.8 million, for the three months ended September 30, 2018, compared to $74.8 million for the three months ended September 30, 2017.
NOI decreased (0.3)% to $119.3 million for the three months ended September 30, 2018, compared to $119.7 million for the three months ended September 30, 2017.
Same-Property Cash NOI increased $2.7 million, or 2.5%, to $108.8 million, for the three months ended September 30, 2018, compared to $106.2 million for the three months ended September 30, 2017.
General and administrative expenses were $8.8 million for the three months ended September 30, 2018, compared to $8.3 million for the three months ended September 30, 2017.
Total interest expense was $24.8 million for the three months ended September 30, 2018, compared to $26.2 million for the three months ended September 30, 2017.
During the three months ended September 30, 2018, HTA completed the disposition of 19 MOBs, primarily located in Greenville, South Carolina for an aggregate gross sales price of $305.9 million and totaling approximately 1.1 million square feet of GLA, generating gains of approximately $166.4 million.
Tenant retention for the Same-Property portfolio was 82% by GLA for the quarter, which included approximately 381,000 square feet of GLA of expiring leases.
Rental income increased 19.3% to $523.8 million for the nine months ended September 30, 2018, compared to $438.9 million for the nine months ended September 30, 2017.
Net income increased $179.9 million to $202.0 million for the nine months ended September 30, 2018, compared to $22.1 million for the nine months ended September 30, 2017.
FFO, as defined by NAREIT, was $1.19 per diluted share, or $250.4 million, for the nine months ended September 30, 2018, compared to $1.12 per diluted share, or $198.7 million, for the nine months ended September 30, 2017.
Normalized FFO was $1.22 per diluted share, or $256.2 million, for the nine months ended September 30, 2018, compared to $1.21 per diluted share, or $215.2 million, for the nine months ended September 30, 2017.
Normalized FAD increased 15.3% to $217.0 million, for the nine months ended September 30, 2018, compared to $188.3 million for the nine months ended September 30, 2017.
NOI increased 19.1% to $358.8 million for the nine months ended September 30, 2018, compared to $301.3 million for the nine months ended September 30, 2017.
Same-Property Cash NOI increased $5.6 million, or 2.4%, to $233.2 million, for the nine months ended September 30, 2018, compared to $227.6 million for the nine months ended September 30, 2017. Excluding the MOBs located on HTA's Forest Park Dallas campus, Same-Property Cash NOI growth was 2.7%.
General and administrative expenses were $26.3 million for the nine months ended September 30, 2018, compared to $25.2 million for the nine months ended September 30, 2017.
Total interest expense was $77.4 million for the nine months ended September 30, 2018, compared to $59.6 million for the nine months ended September 30, 2017.
During the nine months ended September 30, 2018, HTA invested $13.9 million to acquire three MOBs of approximately 60,000 square feet of GLA in the key market of Raleigh, North Carolina. In addition, HTA invested $3.9 million to consolidate its ownership interests in several other MOBs.
The leased rate (which includes leases which have been executed, but which have not yet commenced) was 92.1% by GLA as of September 30, 2018. The occupancy rate of HTA's portfolio was 90.9% by GLA as of September 30, 2018. Tenant retention for the Same-Property portfolio was 83% by GLA year-to-date, which included approximately 1.7 million square feet of GLA of expiring leases.
Investment grade rated tenants as a percent of annualized base rent was 46% as of September 30, 2018. Additionally, 59% of HTA's annualized base rent as of September 30, 2018 was derived from tenants that have (or whose parent companies have) a credit rating from a nationally recognized rating agency.
As of September 30, 2018, HTA's in-house property management and leasing platform operated approximately 21.7 million square feet of GLA, or 93%, of its total portfolio.
Healthcare Trust of America, Inc. (NYSE: HTA) is the largest dedicated owner and operator of MOBs in the United States, comprising approximately 23.2 million square feet of GLA, with $6.8 billion invested primarily in MOBs. HTA provides real estate infrastructure for the integrated delivery of healthcare services in highly-desirable locations. Investments are targeted to build critical mass in 20 to 25 leading gateway markets that generally have leading university and medical institutions, which translates to superior demographics, high-quality graduates, intellectual talent and job growth. The strategic markets HTA invests in support a strong, long-term demand for quality medical office space. HTA utilizes an integrated asset management platform consisting of on-site leasing, property management, engineering and building services, and development capabilities to create complete, state of the art facilities in each market. This drives efficiencies, strong tenant and health system relationships, and strategic partnerships that result in high levels of tenant retention, rental growth and long-term value creation. Headquartered in Scottsdale, Arizona, HTA has developed a national brand with dedicated relationships at the local level.
Founded in 2006 and listed on the New York Stock Exchange in 2012, HTA has produced attractive returns for its stockholders that have outperformed the S&P 500 and US REIT indices. More information about HTA can be found on the Company's Website (www.htareit.com), Facebook, LinkedIn and Twitter.
This press release contains certain forward-looking statements with respect to HTA. Forward-looking statements are statements that are not descriptions of historical facts and include statements regarding management's intentions, beliefs, expectations, plans or predictions of the future, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Because such statements include risks, uncertainties and contingencies, actual results may differ materially and in adverse ways from those expressed or implied by such forward-looking statements. These risks, uncertainties and contingencies include, without limitation, the following: changes in economic conditions generally and the real estate market specifically; legislative and regulatory changes, including changes to laws governing the taxation of REITs and changes to laws governing the healthcare industry; the availability of capital; changes in interest rates; competition in the real estate industry; the supply and demand for operating properties in our proposed market areas; changes in accounting principles generally accepted in the United States of America; policies and guidelines applicable to REITs; the availability of properties to acquire; and the availability of financing. Additional information concerning us and our business, including additional factors that could materially and adversely affect our financial results, include, without limitation, the risks described under Part I, Item 1A - Risk Factors, in our 2017 Annual Report on Form 10-K and in our filings with the SEC.
HTA will host a conference call and webcast on Friday, October 26, 2018 at 12:00 p.m. Eastern Time (9:00 a.m. Pacific Time) to review its financial performance and operating results for the three and nine months ended September 30, 2018.
(1) For the nine months ended September 30, 2017, transaction costs included $4.6 million of non-incremental costs related to the Duke acquisition.
(2) Same-Property includes 403 and 317 buildings for the three and nine months ended September 30, 2018 and 2017, respectively.
NOI is a non-GAAP financial measure that is defined as net income or loss (computed in accordance with GAAP) before: (i) general and administrative expenses; (ii) transaction expenses; (iii) depreciation and amortization expense; (iv) impairment; (v) interest expense and net change in fair value of derivative financial instruments; (vi) gain or loss on sales of real estate; (vii) gain or loss on extinguishment of debt; (viii) income or loss from unconsolidated joint venture; and (ix) other income or expense. HTA believes that NOI provides an accurate measure of the operating performance of its operating assets because NOI excludes certain items that are not associated with the management of its properties. Additionally, HTA believes that NOI is a widely accepted measure of comparative operating performance of real estate investment trusts ("REITs"). However, HTA's use of the term NOI may not be comparable to that of other REITs as they may have different methodologies for computing this amount. NOI should not be considered as an alternative to net income or loss (computed in accordance with GAAP) as an indicator of its financial performance. NOI should be reviewed in connection with other GAAP measurements.
Cash NOI is a non-GAAP financial measure which excludes from NOI: (i) straight-line rent adjustments; (ii) amortization of below and above market leases/leasehold interests; (iii) notes receivable interest income; and (iv) other GAAP adjustments. Contractual base rent, contractual rent increases, contractual rent concessions and changes in occupancy or lease rates upon commencement and expiration of leases are a primary driver of HTA's revenue performance. HTA believes that Cash NOI, which removes the impact of straight-line rent adjustments, provides another measurement of the operating performance of its operating assets. Additionally, HTA believes that Cash NOI is a widely accepted measure of comparative operating performance of REITs. However, HTA's use of the term Cash NOI may not be comparable to that of other REITs as they may have different methodologies for computing this amount. Cash NOI should not be considered as an alternative to net income or loss (computed in accordance with GAAP) as an indicator of its financial performance. Cash NOI should be reviewed in connection with other GAAP measurements.
To facilitate the comparison of Cash NOI between periods, HTA calculates comparable amounts for a subset of its owned and operational properties referred to as "Same-Property". Same-Property Cash NOI excludes (i) properties which have not been owned and operated by HTA during the entire span of all periods presented and disposed properties, (ii) HTA's share of unconsolidated joint ventures, (iii) development, redevelopment and land parcels, (iv) properties intended for disposition in the near term which have (a) been approved by the Board of Directors, (b) is actively marketed for sale, and (c) an offer has been received at prices HTA would transact and the sales process is ongoing, and (v) certain non-routine items. Same-Property Cash NOI should not be considered as an alternative to net income or loss (computed in accordance with GAAP) as an indicator of its financial performance. Same-Property Cash NOI should be reviewed in connection with other GAAP measurements.
(1) For the nine months ended September 30, 2017, other normalizing items included $4.6 million of non-incremental costs related to the Duke acquisition that were included in transaction expenses on HTA's condensed consolidated statements of operations.
HTA computes FFO in accordance with the current standards established by NAREIT. NAREIT defines FFO as net income or loss attributable to common stockholders (computed in accordance with GAAP), excluding gains or losses from sales of real estate property and impairment write-downs of depreciable assets, plus depreciation and amortization related to investments in real estate, and after adjustments for unconsolidated partnerships and joint ventures. HTA presents this non-GAAP financial measure because it considers it an important supplemental measure of its operating performance and believes it is frequently used by securities analysts, investors and other interested parties in the evaluation of REITs. Historical cost accounting assumes that the value of real estate assets diminishes ratably over time. Since real estate values have historically risen or fallen based on market conditions, many industry investors have considered the presentation of operating results for real estate companies that use historical cost accounting to be insufficient by themselves. Because FFO excludes depreciation and amortization unique to real estate, among other items, it provides a perspective not immediately apparent from net income or loss attributable to common stockholders.
HTA computes Normalized FFO, which excludes from FFO: (i) transaction expenses; (ii) gain or loss on change in fair value of derivative financial instruments; (iii) gain or loss on extinguishment of debt; (iv) noncontrolling income or loss from partnership units included in diluted shares; and (v) other normalizing items, which include items that are unusual and infrequent in nature. HTA presents this non-GAAP financial measure because it allows for the comparison of its operating performance to other REITs and between periods on a consistent basis. HTA's methodology for calculating Normalized FFO may be different from the methods utilized by other REITs and, accordingly, may not be comparable to other REITs. Normalized FFO should not be considered as an alternative to net income or loss attributable to common stockholders (computed in accordance with GAAP) as an indicator of its financial performance, nor is it indicative of cash available to fund cash needs. Normalized FFO should be reviewed in connection with other GAAP measurements.
HTA also computes Normalized FAD, which excludes from Normalized FFO: (i) other income or expense; (ii) non-cash compensation expense; (iii) straight-line rent adjustments; (iv) amortization of below and above market leases/leasehold interests and corporate assets; (v) amortization of deferred financing costs and debt premium/discount; and (vi) recurring capital expenditures, tenant improvements and leasing commissions. HTA believes this non-GAAP financial measure provides a meaningful supplemental measure of its operating performance. Normalized FAD should not be considered as an alternative to net income or loss attributable to common stockholders (computed in accordance with GAAP) as an indicator of its financial performance, nor is it indicative of cash available to fund cash needs. Normalized FAD should be reviewed in connection with other GAAP measurements.


Catherine Hernandez is a talented queer woman of color who also happens to be a single mom. All of these points and more are explored in her latest performance, The Femme Playlist, which is part of the afterRocks Play. A production put on by b current and hosted by Buddies in Bad Times Theatre in Toronto, Canada, Catherine Hernandez's The Femme Playlist explores her unique life experiences, "from masturbation to motherhood, body shame to burlesque," as written on her Facebook page.
Created by Catherine Hernandez, with direction by 2014 Ken McDougall award-winning director Gein Wong, The Femme Playlist is a multidisciplinary feast for the eyes that includes fierce Filipino fan dancing, soulful live singing and more. Performing until October 25, 2014, Catherine Hernandez will steal people's hearts in this play.


نسخه الکترونیک کتاب The Scroll and the Cross به همراه هزاران کتاب دیگر از طریق فیدیبو به صورت کاملا قانونی در دسترس است.
Jews and Latinos have been unlikely partners through tumultuous times. This groundbreaking, eclectic book of readings, edited by Ilan Stavans, whom The Washington Post described as "one of our foremost cultural critics," offers a sideboard of the ups and downs of that partnership. It includes some seventy canonical authors, Jews and non-Jews alike, through whose diverse oeuvre-poetry, fiction, theater, personal and philosophical essays, correspondence, historical documents, and even kitchen recipes-the reader is able to navigate the shifting waters of history, from Spain in the tenth century to the Spanish-speaking Americas and the United States today. The Reader showcases the writings of such notable authors as Solomon ibn Gabirol, Maimonides, Miguel de Cervantes, Henry W. Longfellow, Miguel de Unamuno, Federico García Lorca, Jorge Luis Borges, Jacobo Timerman, Mario Vargas Llosa, Ruth Behar, and Ariel Dorfman to name only a few.


This short-finned pilot whale (Globicephala macrorhynchus), named Ava, came to find her home at SeaWorld after being rescued from a mass stranding of pilot whales in Florida in 2012 when she was roughly 6 months old. Due to her very young age at the time of the rescue, government experts did not believe she would survive if returned to the wild, and they therefore asked SeaWorld to give her a home. Ava is now estimated to be roughly 4 years old and weighs 1,200 lbs.


Today, we can't find any single company which has a perfect record when it comes to investing in their stocks. It seems as if it is hard to find a company share which can show a linearly upward trading trend on any of the renowned stockbroking platforms.
A lesson of how to protect ourselves and our hard earn money before it gets shattered.
Today here, I on a very serious node going to deliver you some of the major sore points that you must watch out before investing in any stock market.
Leaving off any member from the upper management is an alarming sign for all the investors. It's an indication for all stock market traders and therefore needs to determine the actual reason behind their walk out. because It may be a sign that the delegates at the higher authority know of something going to happen within the organization or it may be for some regulatory issues.
Here, in Quidsi's case, their finance chief left the company in March which could be considered as a crucial sore point while investing for Quidsi Stock.
Debt a key parameter that must be taken into consideration before investing in any online stock. Debt of any organization can be curated from their debt-to-equity ratio. This debt-to-equity ratio may seem varying depending upon the sector you are dealing with.
For example, Shiping industries always have a high debt-to-equity ratio in comparison with an IT industry.
Many online stock traders look inventories as a company's assets and in most cases they are true. However, in many cases inventory may also cause hindrance against company's future earning if they are not sold out.
Similar can be taken in account for Quidsi when Amazon has repositioned Quidsi's inventory form their main pulpit.
Late filing of financial result never grabs our attention because we overlook them as there might be some internal issues. Whereas, a good stock trader always take it as a remarkable sore point and investigate to find for what reason the filing of financial report gone late.
The stock market is volatile and this volatility depends on innumerable factors. Therefore it's always been suggested to never take such issues as for granted.
Whenever we are going to decide for a company we focus on their net income. We hardly focus on their cash flow. This cash flow always needed to be considered. if net income is high and their cash flow is crippling the company may have problems in raising their revenue from their customers.
A recent study shows that the flow of cash gets deteriorated showing a jump of 55.23% from 44.96% which is again a spectacular sore point.


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Boots Theory
Communication for good.
Tag: acc
John Key's weird "gotcha" moment on ACC
Andrew Little was pushing the Prime Minister today on the fact that he's ripping off workers and businesses to the tune of $350 million in ACC levies in order to generate his much-promised, never-delivered budget surplus.
Desperate to throw mud any way he could, Key took this patsy question from Tim MacIndoe:
Here's the release in question.* That's right, folks: apparently Andrew Little is a hypocrite because in 2009 he said levies were being raised unnecessarily high in order to prop up National's political agenda, and in 2015 he's saying levies are being kept unnecessarily high in order to prop up National's political agenda.
Breathtaking, isn't it? A real knockout punch, from the OTT reactions of Macindoe and Ross sitting behind him.
But maybe that does sound like hypocrisy to someone like John Key, to whom going back on his previously-held positions is second nature, whether it's promising to resign over mass surveillance of New Zealanders, promising to apologise to victims of sexual assault, or promising he hasn't had contact with Cameron Slater.
The surprising thing is what a terribly weak attack line this is. Since Key and his office lost Jason Ede it's like all the pizzazz has gone out of the dirty politics machine.
*And no, there's no conspiracy in me posting that link; it's the top result when you google "andrew little acc levies epmu", so calm down, Chaos & Mayhem.
Little: ACC levies need to come down
Most of the attention on today's episode of Q&A focused on the two biggest issues in NZ politics at the moment – the Northland by-election and Nicky Hager's most recent GCSB revelations.
But in Andrew Little's interview with Heather du Plessis-Allan – amongst her blatant, failed attempts to get him to say "I'm telling people to vote for Winston" and "I support 90-day trials" – he raised another issue which highlights some of the weird hypocrisies of our present government.
Labour has an independent report which estimates that business and workers are being collectively overcharged about $350 million every year in ACC levies. ACC is currently running robust reserves, much of which is invested overseas. If some of that unneeded cash were returned to the pockets of people and businesses, it would create enough economic activity to generate 700 new jobs.
For workers at the bottom of the heap, or small businesses running on tight margins, even a few hundred dollars extra per year could be a significant factor in keeping their heads above water.
The irony is this: the Government's repeatedly had advice – from that well-know communist thinktank, the Treasury – that ACC levies are too high. They've taken baby steps towards it, with cuts totalling about $115 million coming into force in April.
This is the National Party – the party which slashed the top tax rate during a recession so its wealthy backers could buy more investment properties, the party which campaigned hard on the idea that Labour wanted to introduce "FIVE NEW TAXES!!!!" – refusing to cut an unnecessary cost which would actually help families, businesses and the wider economy. Purely by coincidence, those unnecessary levies (as Grant Robertson did back in February) are probably helping to keep the Government's books in surplus.
It kind of tells you everything about their priorities, doesn't it?
Three more years
This election result is not the end of the world for me.
I don't have kids. I don't have to worry about whether their school will be closed, or privatised, whether they have shoes to wear or a lunch to take to school every morning. I don't have to find the money for "voluntary donations" which are needed to cover the basic costs of their education, or desperately search for flexible work which fits around daycare, if I can even find daycare.
I don't have any chronic illnesses. I don't have to worry about fighting tooth and nail to access the support I need just to manage my condition. I don't have to worry about being bullied into "seeking work" when it's impossible for me, and the jobs aren't there. I don't have to wonder how I'm going to pay for all the prescriptions I need.
I have a well-paid job with a great employer. I don't have to worry about being fired on a 90 day trial, paid less than a living wage, or having to argue just for the right to a rest break in the middle of my shift.
I don't have trouble paying the bills. I don't have to worry about the price of power now that our power companies are increasingly privatised and being run for profit over service.
I don't work in a high-risk job. I don't have to worry about dealing with ACC over workplace injuries while my negligent boss gets to fly away to his next role without any consequences.
I'm a homeowner. I don't have to worry about living in a damp, drafty house which makes me sick, or trying to put together enough to buy my first home when the mortgage is going to take 50% of my take-home pay.
I've never been a victim of sexual or domestic violence. I don't have to worry about whether the local refuge is going to be able to keep its doors open, or
I don't live in Christchurch. I don't have to worry about soaring rents, living in a tent in someone's back yard, or waiting four years just to get a basic insurance claim settled.
I'm not a public servant, or a striking worker. I don't have to worry about my name and personal information appearing online and in the media when a Cabinet Minister decides they don't like what I have to say.
So I may not suffer much under three more years of National in government. Because I am incredibly lucky. To quote people who aren't as lucky as me:
I can't even think how many people I know might not survive this term.
— octothorpe scares (@thelittlepakeha) September 20, 2014
https://twitter.com/writehandedgirl/status/513283402464624640
The campaign for 2017 begins now, because we have to do better for everyone.
So what is the Boots Theory?
Labour's first 100 days
Louise Upston and beauty pageants
QOTD: Supreme hubris from POAL CEO Tony Gibson
Orphan Black season 3!
2017 rewind
abortion law
andrew little
anne tolley
cameron slater
centrism
coalition agreements
metiria turei
misandry
morgan godfery
uk labour
victim-blaming
women-centric media
women of nzpol


The opening song, "Terminal Show", features Steve Vai on guitar. I have to admit even though I'm a guitarist I respect Steve Vai but I just can't get into the instrumental cds he's released. Actually, I dig them I just don't find myself playing them very often. But Steve takes hold of "Terminal Show" and sounds like he's in the band. He refrains from overplaying his part and he fits Motorhead like a glove. Philip Campbell, Motorhead's guitarist, allows Steve Vai to play with no conflicts and it's sweet as honey! But Philip Campbell then goes on to play lead on all the rest of the tunes like a banshee in heat�except the end of "Down On Me" on which Steve Vai returns. What's cool about this is the fact that the two tunes on which Steve Vai plays guitar are not necessarily the best on the cd. It's a seemless collection of tunes that will rock the toughest crowd. I can only imagine how great they sound live and I can't wait to catch them on their current tour.
I know I claimed Monster Magnet have the best cd this year but I have to say that Motorhead are coming in with a tie at least! "Inferno" is a must buy cd for any hard rock fan. From start to finish the album soars past and demands repeated plays. I am sure that Motorhead's old fans will freak out over this cd and also they've created a cd that will hopefully get them some new young fans. Visit their site at http://www.imotorhead.com�Buy this CD!
Many artists are still confused as to what goes on during a mastering session. This article will try to shed some light on the last step before fame and riches (well, at least the last step before duplication), and help you with preparing your music before sending to a mastering studio.
Often people receive a banjo, mandolin, fiddle, guitar or some other musical instrument as a birthday, Christmas or special occasion gift. There's glee and joy everywhere.
Ever wonder what would happen if you mixed the progressive showmanship of Rush with Dashboard Confessional's emotional escapism? Me neither, but Coheed and Cambria has been described as that exact mix-up more times that I'd like to recall. While it's easy to understand the Rush comparison, with lead singer Claudio Sanchez's high-pitched vocal delivery.
How is it that a little white boy from Kansas City has become the most well known rapper in the world? Starting from nothing and eventually moving up to a multi-millionaire, Eminem over the past seven years has been in the eye of the public everywhere you look. He has essentially entered a black man's business and gone to the top over the course of a few years, but how?On October 17, 1972 Marshall Bruce Mathers III was born in St.
This months tip deals with micing kick drums.You wouldn't believe how many people ask me about micing their kick drums.
Rosemary Brown (1916-2001) was a middle-aged South London widow, making ends meet as a grade school kitchen assistant, who rocketed to international fame in 1968 through a BBC broadcast recounting her purported collaborations with long-dead composers. These included Liszt, J.
How To Construct Basic Chords on the PianoThe easiest way to start learning how to build chords is to practice their constructions in the key of C Major. You're just playing all white keys.


Mr. Kumar is a Partner at Novo Ventures and is based in Boston. In addition to Milestone, he also serves on Boards of Tarveda, Cirius Therapeutics, Morphic Therapeutics, Rgenix, Anokion, and KanyosBio.
Prior to Novo, Nilesh was Senior Investment Director at Merck and led investments in f-Star, RaNA (TranslateBio), Padlock, Auxogyn (Progyny). In addition to his venture role, Nilesh led several strategic licensing transactions for Merck Serono in the field of oncology and autoimmune diseases. Nilesh received his PhD and MBA from Harvard University, and an undergraduate degree from the University of Cambridge, UK.


Television commercials by insurance companies tantalize us with every worker's dream: retirement at 55, complete with travel to distant lands, a cottage in some idyllic spot, hunting and fishing trips and joyous family get-togethers. After long years of working, many people dream of being able to take advantage of their new life in this way. But can this dream come true or is it merely an illusion?
For CEP members, the choice is clear: they want a decent and well-deserved retirement. This is their priority at the bargaining table.
In fact, income security in retirement has become an important social issue. A recent Canadian Labour Congress survey shows that a growing number of Canadians are worried about not having enough money for their retirement.
If we look at the situation across the country we see that according to Statistics Canada, 71% of Canadian families have private retirement savings of about $50,000. This means they invest their savings either in Registered Retirement Savings Plans (RRSPs), Registered Retirement Income Funds (RRIFs) or in workplace retirement plans.
But are we saving enough for retirement? The experts estimate that to be adequate retirement income should be 70% of the salary a person earned when they were working. This would allow a person to maintain their standard of living in retirement. One third of Canadian families with at least one member nearing retirement do not have enough money set aside for retirement. This means that they will not be able to maintain the same standard of living as before and may even be forced to live below the poverty line.
A survey by RBC Financial Group confirmed that saving for retirement is not a financial priority for many Canadians. 33% say they already have a hard time making ends meet. For people aged 18 to 29, purchasing a home is a priority, while older people tend to save for the education of their children and grandchildren. Only 13% of respondents say that saving for retirement is a financial priority for them.
Many families are dependent upon public pension plans as their primary source of income in retirement. This is particularly true for 29% of Canadian families, some 3.5 million people, who have no private savings for retirement.
They will be entirely dependent upon Old Age Security, the Guaranteed Income Supplement, the Quebec Pension Plan or the Canada Pension Plan. Some provinces also provide a modest income supplement to the elderly.
These public programs are extremely important; they have reduced the level of poverty for elderly people over the years. But one cannot rely entirely upon income from these programs for a decent retirement.
In 2004, for example, a single retiree living in Quebec, who retired at 65 and depends entirely upon public pension plans, would receive between $14,130 and $17,140, depending upon annual income earned during his or her career.
This person runs the risk of living below the poverty line set by Statistics Canada. The poverty line varies depending on whether a person lives in a rural or urban setting.
For the majority of people, a decent retirement will be an illusion. Many of our members are at risk of finding themselves in this situation because they are not saving for their retirement or, if they are, they are saving too little.
Many workers invest in RRSPs, either individually or through their employer. This is a good way to save if one does not have a good workplace pension plan. It is important to know that, as collective and individual RRSPs are not covered by legislation on workplace pension plans, they do not have specific clauses protecting workers' retirement funds. RRSPs, which are governed by the federal Income Tax Act, are one way to save for retirement. RRSP payments are tax deductible and the RRSP account grows with no taxation until money is withdrawn.
A group RRSP is a collection of individual RRSPs taken on behalf of workers and sponsored by the employer. A main disadvantage of RRSPs is that the money may be taken out at any time. Many people do so, thereby reducing their savings necessary for retirement.
To provide an adequate income for retirement, a good workplace pension plan is a must.
That is why it has long been a bargaining priority for the labour movement, and this effort has borne fruit.
The vast majority of unionized workers now have a workplace pension plan, whereas most non-unionized workers do not. This holds true even in workplaces with less than 20 employees.
There are two types of workplace pension plans: the defined benefit plan and the defined contribution plan.
The defined benefit plan is the best workplace retirement plan. It provides members with retirement benefits that are directly tied to wages and years of service. Benefit amounts are known and they are set based on a formula that is laid out within the text of the plan.
This is also the only retirement plan offering advantages such as automatic indexing of benefits based on the cost of living, protection in the event of disability and better death benefits, termination benefits and transfer of benefits from one employer to another.
The Eastern Canada pulp and paper sector's model retirement plan is a good example of what we want to be able to provide in terms of a defined benefit plan. It provides good retirement income as well as other important benefits. This is what workers from the pulp and paper sector are demanding as their model pension plan.
A plan entirely financed by the employer.
A lifetime benefit of 2% of the worker's final average earnings multiplied by his or her years of pensionable service. Final average earnings calculated on the worker's three best years of service. Bridging until age 65, which is an additional allowance received until public pension plan benefits begin.
Retirement without actuarial reduction if he or she fulfils one of the following criteria : is 58 years of age, or has completed 30 years of pensionable service, or when the sum of age and years of pensionable service equals 80.
The option to take early retirement, with actuarial reduction, before his or her normal date of retirement.
Retirement income protected against inflation with benefits automatically indexed the 1st of January every year.
A plan that complements public pension plans.
Mandatory participation for all workers in the workplace.
Inclusion of the pension plan in the collective agreement so that all clauses of the plan are negotiated between the union and the employer.
Joint administration with the union, with at least equal representation between the union and the employer on the pension committee. This committee would also supervise the handling of funds.
Some employers are moving away from defined benefit plans, preferring defined contribution plans instead. These plans have set contributions by employers and employees.
Employers find these plans attractive because they can accurately predict how much they will be required to invest in the plan. But defined contribution plans are far from ideal for members, as they do not know what their benefits will be once they are retired.
For example, the benefits received by a worker who has accumulated $50,000 in a defined contribution plan and who purchases a lifetime annuity from an insurance company will vary, depending upon the year in which he or she retires.
An identical contribution can produce benefits that vary considerably depending upon whether interest rates were high or low when the individual retired. The lower the interest rate, the less the monthly benefits the individual will receive.
Many of our members have this type of pension plan. Money is saved for retirement but nobody knows if it will be enough. It is like playing the lottery. With luck, the member's retirement date will coincide with a good year for the stock market and high interest rates. Otherwise it's time to tighten your belt in retirement.
Employers prefer defined contribution plans because they say they can no longer afford defined benefit plans. It is true that many of these plans are now in deficit due to lower interest rates and the drop in the stock market several years ago.
But we need to remember that financial markets were flourishing in the 80s and 90s. This generated surpluses in defined benefit pension plan funds which many employers used to give themselves contribution holidays. In fact, a recent study from the Shareholder Association for Research and Education (SHARE) shows that employer contribution holidays are an important factor that led to the underfunding of pension plans in Canada.
Such deficits can be avoided in the future through improved legislation in the area of workplace pension plans. Employers, for example, should be forbidden to take contribution holidays, and limits on pension fund surpluses should be increased to compensate for shortfall years.
Employers' preference for defined contribution plans also rests on the wrong assumption that they are alone in assuming the financial risks of defined benefit plans. In reality, the risks are shared with workers. At the bargaining table, many employers demand additional contributions from workers to make up pension fund deficits.
A good pension plan: everybody wins!
A good workplace pension plan is important for our members. That is why it is our priority at the bargaining table. It is also attractive to the employer.
Some employers provide a good pension plan because it enables them to recruit better workers. It becomes part of a competitive advantage for attracting and retaining them.
It is also one way to ensure their loyalty over the years, because workers can only receive a full pension if they remain employed by the company for a considerable number of years. The employer thus benefits from a stable workforce.
Good pension plans have specific clauses allowing older workers to retire earlier. They provide retirement benefits with no actuarial reduction before the age of 65 as well as a bridging benefit while waiting to receive full amounts from public pension plans. Employers can thus reduce their workforce without layoffs and older workers can leave jobs that are physically demanding.
With a good pension plan, everybody wins!
Click below for printable version.


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The following pages contain a semi-weekly column to help you with various subjects that I am interested in at the moment. There will be articles written on occasion as well as an archive of past articles. You will also find other articles submitted by others and the latest upgrades available for the current MacOS, which is 8.5. If there is ever anything you would like me to research, I'll add it to my list of projects and write my findings here (when I can find the time).
Apple eNews
* The Best-Selling Desktop Computer
* Have You Marked Your Calendar Yet?
* Sherlock Does Lunch
* Serve Up Your Internet Apps in Style
* Save Money on Mac Software/Hardware
* If You Build It ...
* AppleMasters Share Their Insights at CAUSE98 * I Hear You Knocking
* What's Black and White and ...
* Apple in Education
* Apple in the News
* Quick Takes
* The Best-Selling Desktop Computer *
No surprise here. It's iMac.
In October--for the third consecutive month--iMac stood head and shoulders above the competition as the best-selling desktop computer in PC superstores, according to ZD Market Intelligence.
And no need to scratch your head for the reasons.
It's easy. The easiest, in fact.
iMac is the easiest computer to set up.
So easy that a 7-year-old can have iMac up and running in less than 5 minutes. See for yourself in the Simplicity Shootout:
http://www.apple.com/imac/theater/simple.html
iMac is the easiest Internet computer of all time.
So easy that most customers, even if they've never used a computer before, can be cruising the web or sending e-mail 15 minutes (or less) after taking iMac out of the box.
And iMac is the easiest computer to own.
For as little as $29.99* a month--about what you probably spend each month for a few pizzas or a couple of movies--you can own and enjoy an iMac. That's very easy on the old budget.
iMac--why not give someone a best-seller this holiday season? It makes a great gift for your parents, your kids, or yourself.
For more information about iMac:
http://www.apple.com/imac
http://www.apple.com/pr/library/1998/dec/01bestsell.html
To learn how you can get an iMac for as little as $29.99* a month, visit:
http://www.apple.com/promo/
* Based on the Estimated Retail Price of $1,299, tax and shipping not included. 67 monthly payments of $29.74. 14.89% Annual Percentage Rate, subject to increase or decrease. No payments due for the first 120 days subject to interest of $35.44 and loan origination fee of $54.13 charged on day 91. No prepayment penalty. On approved credit. Internet access requires an account with an Internet service provider (ISP), fees for which are not included.
* Have You Marked Your Calendar Yet? *
It's coming soon.
On the heels of the new year.
And it's going to be one of the best ever.
It's the 1999 Macworld Expo in San Francisco.
At this year's expo, you can hear Steve Jobs deliver a state-of-the-Mac address, outlining the many accomplishments of the Mac platform in 1998 (including, iMac, PowerBook G3, and Mac OS 8.5) and describing some of the things you can look forward to from Apple in this last year of the 20th century.
Steve will address show attendees on Tuesday, January 5, 1999, at the Moscone Center, from 9:00 to 10:30 a.m. Hope to see you there.
For more information on this year's Macworld Expo, including a list of exhibitors whose new Macintosh products you're likely to see on the exhibition floor; descriptions of the conferences and workshops you can attend; and for travel and reservation information, visit:
http://www.macworldexpo.com/mwsf99/index.html
* Sherlock Does Lunch *
Guests are coming and you want to make something decidedly seasonal, something a bit more exotic than cookies decorated with candy canes or snowpersons. (It's okay to be PC when you're not computing.)
Where are you going to find some interesting holiday recipes with which to whet the appetites of your wassailing friends and family?
The Internet is likely to offer a veritable cornucopia of holiday recipes, and what better way to find those web sites? Sherlock, of course.
Just select Sherlock from the Apple menu, then:
Select some appropriate search engines (such as, AltaVista,
Excite, Infoseek, Lycos, and Yahoo).
Type the words you want Sherlock to search for (let's say,
holiday recipes).
Then click Search.
Sherlock will provide you with a list of dozens of helpful web sites with recipes for just about any meal or occasion--whether you're celebrating Chanukah, Christmas, or Kwanzaa.
Bon appetit.
More information on Sherlock is available at:
http://www.apple.com/sherlock/
Learn more about the other features of Mac OS 8.5:
http://www.apple.com/macos/upgrade/
* Serve Up Your Internet Apps in Style * ----------------------------------------
It's used on some of the most popular--and ambitious--web sites you're likely to visit on the Internet. Sites like S&P Personal Wealth, the Wedding Network, the Disney Store Online, Music Boulevard, and the Apple Store.
It's WebObjects 4, a new version of the #1 application server on the market. WebObjects 4 provides a scalable tool you can use to build flexible, Java-based network applications, one that can make each customer who visits your site feel like one in a million instead of just one of millions.
What are the 10 key advantages WebObjects 4 offers?
http://www.apple.com/webobjects/splashpage.html
* Save Money on Mac Software/Hardware *
If you'll be purchasing an iMac, Macintosh PowerBook G3, or Power Macintosh G3 computer this holiday season, remember to take advantage of the Super Savings Book. Available online and from all Authorized Apple Resellers, the Super Savings Book contains coupons you can redeem for cash rebates and premiums when you purchase such hot Macintosh products as:
Tomb Raider II
Imation SuperDisk USB drive
Microsoft Office 98 Macintosh Edition
The X-Files Game
EPSON Stylus Color 740 printer
Quest for Glory V
Hewlett-Packard DeskJet 690 series printer - Encyclopedia Britannica CD
Logitech QuickCam Pro video cameras
In all, there more than 60 coupons in the Super Savings Book that offer a total redemption value of over $2,000.
You can take a look at the coupons online at:
http://www.apple.com/promo/coupons/
Or you can pick up a Super Savings Book of coupons at any Authorized Apple Reseller. Find one at:
http://www.buy.apple.com/
* If You Build It ... *
You'll have to take care of it.
That's the premise of the much-anticipated Yoot Tower, a new simulation game from SEGA and Yoot Seito, the ingenious developer of Sim Tower, a best-selling Macintosh game.
Yoot Tower allows you to construct your very own towering downtown edifice. Fill it with tenants, and you have a tidy little profit center--if, that is, you manage your property correctly. But what if the elevators break down? Or the paint starts to peel? Or the tenant in 9B throws another wild party? It's your tower: Will it thrive or topple?
You'll find more information about Yoot Tower at:
http://www.yootmacfirst.com/
By the way, while it's available for Macintosh today, those using other desktop computers will have to wait until the elevator reaches their floor.
* AppleMasters Share Their Insights at CAUSE98 * ------------------------------------------------
Rolling Stone magazine calls him the "industry's leading evangelist for the marriage of music and technology." He's David Mash, he's been using the Macintosh for both music technology and education since 1985, and he's coming to Seattle as a featured participant in the Apple Hospitality Event at CAUSE98, one of the most important events of the year for technology consumers in higher education.
David is one of three AppleMasters who will be on hand Tuesday, December 8, 7:00 p.m. to 10:00 p.m., to speak with you about how they use Apple products and technology to teach and delight. Joining David will be Jim Ludtke, the well-known video animator; Harry Marks, Emmy-award-winning broadcast and video designer; and Peter Bergman, educator and designer of the highly amusing faux-game "Pyst."
For information about how you can participate in the Apple Hospitality Event at CAUSE98, visit:
http://www.apple.com/education/hed/resources/cause98/
And if you'd like to learn more about the AppleMasters who will be in attendance, take a look at the following web pages:
David Mash:
http://applemasters.apple.com/masters/davidmash/intro/intro.html
Jim Ludtke:
http://applemasters.apple.com/masters/jludtke/intro/intro.html
Harry Marks:
http://applemasters.apple.com/masters/harrymarks/intro/intro.html
Peter Bergman:
http://applemasters.apple.com/masters/pbergman/apple/apple1.html
* I Hear You Knocking *
The next time you create a QuickTime VR panorama, why not add sound to your movie? You can do so with SoundsaVR, an application developed by the Squamish Media Group.
SoundsaVR allows you to "import sampled music, voice-overs, sound effects, MIDI tracks, or any audio file format supported by QuickTime 3" (such as WAV, AIFF, MIDI, or AU) "and place them into existing panoramas to add a new dimension to QuickTime VR."
The first application of its kind to take advantage of the "wired sprite technology" Apple developed for QuickTime 3, SoundsaVR can be used to develop guided real estate tours, enhanced (music) CD tracks, web sites, architectural walk-throughs, games, and product advertising.
To see some examples of how SoundsaVR has already been used and to get more information about the application, visit:
http://www.smgVR.com/ssVRmain.html
* What's Black and White and ... *
You know the rest. It's the newspaper. And this one--read all over the beautiful state of Maine--is produced with the help of a collection of brand new Macintosh computers.
While they're still in the process of incorporating the over 200 Mac systems that will help editors write copy, graphic artists design pages, photographers sharpen images, and reporters maintain links with their city desk, the Portland Press Herald does not at all miss the ironmongery they used of old.
Read more about power publishing at the Portland Press Herald:
http://www.apple.com/publishing/printing/powerpub/
* Apple in Education *
How do you determine if the implementation of technology in your school actually benefits students and helps teachers and administrators improve the overall quality of PreK-12 education?
The International Society for Technology in Education (ISTE) endeavors to develop standards so that teachers, technology planners, and others involved in developing and employing curricula can seamlessly incorporate technology into their daily instructional models.
The recommendations they develop can be found in the new National Educational Technology Standards (NETS) for Students, which Apple, working together with the ISTE, has brought online, making it easier for educators across the country to access and utilize them:
http://cnets.iste.org/
Debbie runs a Windows 98 math application to complete her algebra lesson. And when she's finished, she writes her English assignment using AppleWorks.
How many computers does she use? Just one, but because it's a Mac, she can run all the Macintosh applications in the world. And by running either Virtual PC or Real PC--two Windows emulation applications for Macintosh--she can use virtually all of the Windows applications in the world, as well.
How much money do you think a school district could save if it only had to buy one computer platform to run the two most popular operating systems in the world? And the tens of thousands of applications available for both of them?
That's a question they must have asked at the Pattonville School District in St. Louis, Missouri, the "School system where 'iMacs cost a dime'":
http://www.maccentral.com/news/9811/24.school.shtml
* Apple in the News *
If you're thinking of getting someone on your "deserves the best" list a computer this holiday season, Dr. Mac says to "do the right thing and get 'em a Mac."
chron.com/cgi-bin/auth/story.mpl/content/chronicle/tech/today/drmac.html
(Drop "http://www." into the long URL, above, to visit the site and read the article. BTW, the Houston Chronicle will ask you to register before granting access. Registering, which seems to be a growing trend for online newspapers, is free and just takes a few minutes.)
Why do iMac, Macintosh PowerBook G3 computers, and the Apple Studio Display show up on so many TV shows and appear in so many full-length motion pictures? Because "in Hollywood, Apple is the king of cool."
http://www.newsweek.com/nw-srv/printed/us/st/ty0122_1.htm
"I'd swear on a stack of Bibles that [Mac OS 8.5] is four times faster," said Mark Miller, a senior systems engineer at the National Institutes of Health's Clinical Center Information Systems Department. "Anybody that has an iMac should get 8.5."
http://www.fcw.com/pubs/fcw/1998/1123/fcw-revMac-11-23-98.html
Macworld recently compared the 300-MHz and 333-MHz models of the Power Macintosh G3. Which one would be better for your needs? The envelope, please:
http://macworld.zdnet.com/1998/11/22/latest.cpu.html
James Lileks of the Star Tribune likes Mac OS 8.5. In "If Apple's new OS 8.5 fits, you must upgrade," he maintains that "it looks better, feels better, sounds better, acts better," and, he says, "speaking from experience, I can testify that it's much faster than 8.1."
http://webserv1.startribune.com/cgi-bin/stOnLine/article?thisStory=60694361
(When you visit the site of the Star Tribune, you can brush up on all of the events in the Minneapolis/St. Paul area.
* Quick Takes *
Who's behind "A Bug's Life"? As you'll discover in "It's a Small World," it's the same folks who brought you "Toy Story": Pixar Animation Studios. And they're not only animators extraordinaire; they're also Mac users.
http://www.apple.com/hotnews/features/bugslife/pixarstory.html
Why would a bunch of kids hang out at the Convenient Food Mart? They're not just doing face time and they're not power snacking, either. They're at the Food Mart to surf the web. And, if they keep their grades up, they can do their surfing for free.
http://www.eport.net/11199801.html
Do you use Adobe Photoshop to create graphics for print, multimedia, or web-based publications? Did you know that Extensis just upgraded PhotoTools, its package of special-effects tools for Photoshop? Bruce Fraser recently reviewed PhotoTools 3.0 for eMedia Weekly, and you can read his appraisal of the package at:
http://www.emediaweekly.com/1998/11/29/phototools.html
What gift options are available for the Mac owners in your life? Choices abound, as you can see in "Mac Gift-Giving Ideas":
http://machardware.miningco.com/library/weekly/aa113098.htm
In fact, you can surf over to "Download.com for the Mac" and do some shopping for your Mac sweetie online:
http://download.com/
Look for the next issue of Apple eNews during the week of Dec. 14.
Apple eNews is a periodic news communication from Apple Computer.
We value our relationship with you. If you don't want to receive Apple eNews, please reply to this e-mail with the word "unsubscribe" in the subject line. We're sorry that we cannot reply to any other e-mail messages.
If you received a copy of this issue from someone else, you can subscribe by going to:
http://www.apple.com/signmeup
For more information about subscribing and unsubscribing to Apple eNews, go to:
http://www.lists.apple.com/appl_enews.html
Event dates are subject to change. Some products, programs, or promotions are not available outside the U.S. Visit your local Apple site or call your local authorized Apple reseller for more information. Prices are estimated retail prices and are listed in U.S. dollars. Product specifications are subject to change.
Copyright 1998 Apple Computer, Inc. All rights reserved. Apple permits reproduction of the contents of Apple eNews for publicity and promotional purposes. Apple, AppleWorks, Mac, Macintosh, PowerBook, Power Macintosh, and QuickTime are registered trademarks, and Apple eNews, iMac, and Sherlock are trademarks, of Apple Computer, Inc. Adobe is a trademark of Adobe Systems Incorporated. WebObjects is a trademark of NeXT Software, Inc. Other product and company names mentioned herein may be trademarks of their respective companies. Mention of third-party products is for informational purposes only and constitutes neither a recommendation nor an endorsement.
MacShare's Article Archive
Macsbug 6.5.4a3 <--May 5, 1997
Gaming On the Internet - Part 2 <--April 15, 1997
Gaming On the Internet <--Jan 6, 1997
YA Newswatcher 2.4.0 <--Jan 1, 1997
Readers' Tips
Customizing OS8 Installation
Downloading Hints
Performa 575 Tips
Using an FTP client instead of Netscape
Mac'tips Index
Apple'Ware
Basic Macintosh Maintenance
Mac Advantage Materials <--free goodies from Apple! Check often.
Macintosh Troubleshooting
MacOS: Links and Notes <--By Ric Ford
Zap Your pRAM
© 2002 Todd K. Frazier. All Rights Reserved.
Site maintained by Todd K. Frazier (home page)
Site design by Jay Holley
There have been [an error occurred while processing this directive] visitors
to this page since January 27, 1997.
This page was last updated Tuesday May 23, 2006
MADE WITH A MAC


See the previous installment in NaturalStrength for the "First 5 Hard & Fast Rules"
6. Use a reasonable volume of training.
As mentioned in point number 4 above, there is no need to perform a high volume of exercises per session. This holds true for exercise sets. A 1 to 3 sets/exercise protocol is within reason and should be the guiding rule to create muscle overload. It's effective, time-efficient, and also facilitates recovery because the body doesn't have to deal with unnecessary stress bouts and energy depletion. Similarly, very intense training sessions require a few days to fully recover from, therefore two to three sessions per week should be the limit. If more people trained harder and took an extra day of recovery between these more intense sessions, there would be more muscle visible in the world.
7. Vary the number of repetitions.
over the course of individual training period segments and the training year.
8. Vary exercises and workout day formats.
Proper strength training can be a grind due to its stressful nature, therefore to add variety to training, rotate exercises between workouts and alter the workout day formats throughout the training year. Examples: leg presses for workout A, barbell or machine squats for workout B, and dead lifts for workout C. Wide grip pulldowns for the upper back on workout 1, chin ups on workout 2, and close grip pulldowns on workout 3. Train ten weeks doing total body on Monday, upper body on Thursday, and lower body on Friday. For the next 8 weeks, switch to a total body workout every fourth day. Bottom line: use a variety of exercises and training day formats, but maintain consistency and progression.
9. Use sensible nutritional intake.
The good ole days of recommending fresh fruits, vegetables, low-fat proteins, complex carbohydrates, and adequate hydration seem to have been be lost as there are a gazillion ergogenic aids and supplements are on the market. All are purported to enhance some elusive quality, namely increased muscle mass, strength, energy and/or leanness. They cost money, but so do trips to the local supermarket to obtain regular food products which we all have to do anyway. No one wants to hear this because it's boring, but if a person eats sensibly – that is, eats balanced meals derived from the four food groups obtainable at the supermarket and gets enough calories to support whatever is desired (i.e., weight gain, loss, maintenance) -- that in itself should be sufficient to reach their goal.
10. Accept your body type and genetic limitations.
strength and physique once you make the initial commitment and tap into your genetic potential. The key is to accept what you have and train intelligently within its confines.


text:
Neptis puelloides är en fjärilsart som beskrevs av Eltringham 1922. Neptis puelloides ingår i släktet Neptis och familjen praktfjärilar. Inga underarter finns listade i Catalogue of Life.

Källor

Praktfjärilar
puelloides

redpajama_set_name: RedPajamaWikipedia


text:
Q: curl download ZIP file of private repository I can use chrome browser to download the ZIP file of a private gitea repository https://someurl.com/mydir/archive/master.zip after entering username and password.
I try to use curl to download the same ZIP file (so that later I can do this programmatically).
curl -s -S -L -O --user myusername:mypassword https://someurl.com/mydir/archive/master.zip

The master.zip is only 8534 bytes, much smaller than the expected file size.
The file cannot be unzipped.
wget is not installed.
How to download the ZIP file with curl?

redpajama_set_name: RedPajamaStackExchange


The drama Touch Me Not (Nu Ma Atinge-Ma, Romania – Germany – Czech Republic – Bulgaria – France, 2018) became a real sensation of the last Berlinale, winning there both the Golden Bear for the best feature film and the award for the best debut.
This work, done as a peculiar combination of live-action and documentary cinema, tells the story of three heroes – Laura, Tudor, and Christian. The first two are played by well-known actors Laura Benson (Dangerous Liaisons (1988), Ready to Wear (1994)) and Tomas Lemarquis (3 Days to Kill (2014), X Men: Apocalypse (2016), Blade Runner 2049 (2017)). Like many supporting characters, they share the same problem as they strive and at the same time acutely fear intimacy, corporeal and emotional alike. Christian practically plays himself: crippled by spinal muscular atrophy, he is completely free from prejudice and lives with the girl he loves. The film itself is a kind of story about liberation, about overcoming of protective mechanisms and taboos, sometimes in quite unusual ways.
In the non-competitive program of the Molodist Festival, which ended in Kyiv on June 3, Touch Me Not was personally presented by the film's director Adina Pintilie and the leading actress Laura Benson.
Adina-Elena Pintilie was born in Bucharest on January 12, 1980. She debuted in 2003 as a documentary filmmaker. Her non-live-action works participated in the competition programs of the festivals in Locarno, Rotterdam, Leipzig, and Warsaw. Pintilie serves as artistic director and curator of the International Experimental Film Festival in Bucharest. Touch Me Not is her first live-action film.
After the Kyiv premiere, Pintilie answered questions of The Day's correspondent.
How did it occur to you to make Touch Me Not?
"When I was twenty, I thought I knew everything about how relationship should function, intimacy, our desire mechanism, and also what means beauty. But in the past years of life, I realized that actually I don't know anything. Once clear ideas get destabilized when I enter in contact with real people and with real life. So, we set out on this journey to just question our own preconceived ideas about how intimacy functions, and to discover how people actually can access intimacy in the most unexpected ways. And back in 2013, we started an extensive casting process, which was more like in documentaries, but this film is not a documentary. We try to avoid all these labels, because the film is mainly a research one, it is a process film, a research film.
It looks like creating a commune of sorts.
Did you have the help of professional psychologists?
Can your directorial approach be called anthropological?
One of the protagonists is played by an actor with a disability. What was special about working with such an actor?
Do you see a difference between documentary and live-action cinema?
Now, when there are many different kinds of technologies that let one change one's body, what do you think, how has the attitude to corporeality changed?
In conclusion, a question asked from our Ukrainian perspective this time. It can be said that we here in Ukraine envy you, Romanian filmmakers, greatly, because you have just suddenly, after a prolonged period of communism and troubles, created an incredibly flourishing cinematic school. How have you managed to do it?


text:
ALICE CARFRAE
Multimedia Storytelling
Tel: +44 7742594834 (UK)
+91 998 794 3844 (India)
+86 13261930253 (China)
Recent Clients Include...
Is an English photographer, videographer and director with a passion for social justice, humanity and beauty, She is currently based in New Delhi.
Alice completed a Bachelor of Arts in Photography at the University of Wales Newport (2011) and a Masters in International Multimedia Journalism at Beijing Foreign Studies University (2013.) Her work is humanist displaying a characteristic eye for light, colour and composition.
Alice has worked for clients including BBC online, Go Pro, Aljazeera, Telegraph Magazine and The Guardian as well Vice and Vice Broadly. Her print work has been shown in galleries in Switzerland, England and China. She collaborated on a Multimedia project with HELM Studio and PUKAR for The Ford Foundation and produced a multimedia theatre production on human trafficking for Bike Shed Theatre. Alice also shot and directed a music video for the band Hieronymo
Alice is often on the road for her current location please see the map below.


The Iditarod Trail Committee no longer permits mushers to carry their own personal transmitting GPS trackers. And in all fairness, I completely understand why... they're trying to encourage fans to subscribe to an Iditarod Insider service featuring GPS, thereby helping fund the race and making sure it is around for years to come.
You can always get an update here in our blog or check the latest available standings on the Iditarod's main site. And if you want to pay up for instant gratification and support this great race, subscribe to an Iditarod Insider service with GPS.
Musher's in this year's race are carrying 2 GPS devices, each attached facing skyward on the top of the sleds. The primary device is a SPOT tracker, which also features "help" and "911" buttons in the event a musher really finds himself or herself in trouble. Anyone hitting one of those buttons, though, had better mean it... while each situation would be reviewed for exceptions, activating one of those typically leads to disqualification for the team. The second device transmits more limited data, but it is a very hardy gadget that serves as a back-up to the primary SPOT tracker.
Picture: Anna chats with a race volunteer as he attaches her GPS devices. About the size of a large dog paw, the devices are enclosed in color-coded bags that look much like dog booties and are held in place by industrial safety pins.


Nov. 4 (Bloomberg) -- For the first time in almost half a century, Vatican administration staff will clock in for work as part of a clampdown on slackers, a sign that the global financial crisis has also spread to the world's smallest state.
Timekeeping was scrapped in 1960 under Pope John XXIII. Starting Jan. 1, the practice returns. All Holy See employees will be given magnetic badges and forced to clock in and out in an effort to track their movements and ensure they're working a full day, said a Vatican spokesman who declined to be named.
``We can't afford any waste,'' Bishop Renato Boccardo, secretary of the Governatorate of Vatican City State, told La Stampa newspaper. ``There is a lot of work that needs doing, and the financial situation doesn't allow us to hire more staff.'' A spokesman confirmed the comments today.
The Vatican, located across Rome's Tiber River and home to Pope Benedict XVI, relies on earnings from $1 billion in stocks, bonds and real estate to top up donations from Catholics around the world. While the Holy See benefited in the 1990s from booming stock markets and a strong dollar, it plunged into the red in 2003 and again in 2007 because of the U.S. currency's tumble. The financial turmoil is now taking its toll as well.
I don't know how much of this report is accurate. So much coverage of the Vatican is nonsense, but I was struck by the $1 billion figure for Vatican savings. That means that the Central administrative office of a 1.13 billion member organization has managed to hold on to less than one dollar in income and earnings per capita total over the course of 2,000 years.
The United States just authorized an outlay of more than $2,000 per each of its citizens for a financial bailout on a whim.
So much for modern, know-nothing claims of Catholic wealth and hoarding.


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First review round: 17.4 weeks. Overall rating: 3 (good). Outcome: Accepted.
Time between resubmittance and acceptance was very long, even though only minor changes needed to be made. Editor handled conflicitng reviewers' comments well.
The editor of Journal of Medical Ethics has not yet provided information for this page.


THIS IS THE ONE YOU HAVE BEEN LOOKING FOR! A must see RARE, BERKSHIRE UNIT. With majestic pond views. 2 Bedrooms, 2 Full Bathrooms. 1 car garage, 1800+ sq ft w/additional loft on second floor. Walk into this sun drenched end unit, spacious living/dining room. Anderson Sliding doors (from kitchen and living room) that lead to a beautiful private deck over looking the water. New carpeting. Updated kitchen with granite countertops and stainless steel appliances; BOSCH, JENN AIR, GE Profile. Addtional Bedroom on 1st floor with full hallway bath/laundry. Some windows have been replaced. Skylights on second level. Great commute, mins to Metro North Rail, 684, shops, restaurants, parks & schools. Enjoy Heritage Hills Lifestyle w/swimming, golf, tennis, fitness center, basketball, bocce, paddle ball, many activities with classes, clubs & more. Taxes with STAR Savings is: $4262. Don't miss this gem of a property!