How much interest should you be paying?
The Reserve Bank held a meeting of the MPC and decided to leave the Repo rate unchanged. The Repo rate is the interest rate at which the Reserve Bank lends to the commercial banks, the commercial banks then lend to you at, in general, Repo plus 3.5% also known as the Prime rate. There is some debate at what level Prime should be set and disagreement between the Reserve Bank and the commercial banks over it. However there are maximum interest rates set by the National Credit Act. So what interest rate should you be paying?
These are the maximum amounts that you may be charged under the terms of the National Credit Act. It is a recession and the cost of credit can be a killer. So check up on all your credit agreements and make sure that you are not paying more for your credit than you should be. There are a number of ways that you can get a better rate of interest if you think that you are paying too much. If you have a homeloan, you can contact a homeloan specialist and see if they can get you a better rate of interest on your homeloan. You can also shop around and compare credit cards, looking for the one with the lowest rate of interest.
If you have a personal loan you may be able to consolidate your personal loan debt into another loan with a lower rate of interest, pay off your existing loan with the new one and pay back the new one at a cheaper rate. The National Credit Act is designed to put the power in the hands of consumers and you should be able to save on your interest. Interest charges make up the bulk of what you will pay back on credit with the interest charges often being larger than the amount lent to you. So if you have a lot of debt, work on it now so that you will be able to get through the recession and honour all of your commitments.


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Turkish EP candidate: Brexit will make reforms possible in trade
Neva Kadıoğlu-Novaky, a conservative and the only Turkish origin Briton running for an EP seat in this week's elections, said Brexit will pave way for a possible reform in trade between Turkey and UK.
Relations between Turkey and the UK will further develop after Brexit, a Turkish-British candidate for the European Parliament said.
TURKEY AND UK RELATIONS WILL FURTHER DEVELOP AFTER BREXIT
"The present EU-Customs Union agreement between Turkey and the bloc necessitates Turkey to open its markets to a third country if the EU signs a trade deal with that country but that country does not have to open its markets to Turkey," Neva Kadıoğlu-Novaky explained. "Turkish-origin people in the UK contributed to the economy and society in this country. British citizens with Turkish background such as myself are a bridge between the two countries," she said.
Speaking about the negative use of Turkey and Turkish citizens in the Brexit campaign prior to the 2016 referendum, Novaky said she believed that "our focus should be the future instead of the Brexit referendum campaign which took place 2 years ago."
Leave campaign had used Turkey's possible EU membership as a threat to the UK and unjustifiably said more than 70 million Turks would pour into the country if the UK remained as a member, in a claim widely rejected as groundless.
She said: "The rising votes of the UK Independence Party (UKIP) and far-right parties make me sad. This is a matter of concern. However, the reason for their rising vote now is their firm stance in the Brexit issue. Their rise is not related to Islamophobia but their demand to depart from the EU."
Underlining that the far-right defends the departure from the EU at all costs, Novaky said: "The Conservative Party attaches importance to a Brexit that would protect citizens' rights and economic interests."
Novaky said it is easier to be a young female Turkish politician in the UK than being one in the EU. She said: "The Turkish community in the UK, unfortunately, has not been active in the Conservative Party and involved in politics in general terms." "That's why there has not been an MP from the Turkish community yet. I hope this will change in the coming years. But I would like to emphasize that my Turkish identity has never been a negative factor in the British political arena."

redpajama_set_name: RedPajamaCommonCrawl


text:
Read this before you retire
Maurie Backman
Jun 25th 2017 11:03AM
Countless workers look forward to retirement and the flexible, laid-back lifestyle it offers. Yet a surprising number of retirees ultimately wind up unhappy once they stop working for good.
In a 2016 study by the Employee Benefit Research Institute, more than 10% of retirees claimed they were "not at all satisfied" with retirement. Meanwhile, close to 41% of seniors were only "moderately satisfied" with their lifestyle, while less than half of seniors found retirement "very satisfying." The percentage of retirees who identify as "very satisfied" has dropped from 60.5% in 1998 to 48.6% as of last year, which paints a somewhat bleak picture for today's older workers.
The survey didn't pin down a cause for retirees' drop in overall satisfaction, but it's fair to say that finances have something to do with it. Over 25 million seniors live at or below the poverty line, due in part to an unhealthy reliance on Social Security, which simply isn't designed to sustain retirees on its own.
Even those who have saved independently are apt to struggle financially in retirement. According to Transamerica, current retirees have median savings of $119,000, but given that folks are living longer these days, that's not a whole lot in the grand scheme of what could be a 25-year retirement or longer. In fact, if that's the amount of savings you're looking at, all it will give you is roughly $400 a month over a 25-year span. When we factor in Social Security -- which, for the average recipient today, equals about $1,360 a month -- that's still just $21,000 a year to live. That's hardly enough.
RELATED: Check out the average retirement age in every state:
Average retirement age in every state
Alabama - Age 62
Via Smart Asset
Alaska - Age 65
Arizona - Age 63
Arkansas - Age 62
California - Age 64
Colorado - Age 64
Delaware - Age 62
Connecticut - Age 64
Florida - Age 63
Georgia - Age 62
Hawaii - Age 63
Idaho - Age 63
Illinois - Age 63
Indiana - Age 63
Iowa - Age 64
Kansas - Age 65
Kentucky - Age 62
Louisiana - Age 63
Maine - Age 64
Maryland - Age 64
Massachusetts - Age 64
Michigan - Age 62
Minnesota - Age 63
Mississippi - Age 63
Missouri - Age 63
Montana - Age 63
Nebraska - Age 65
Nevada - Age 63
New Hampshire - Age 65
New Jersey - Age 65
New Mexico - Age 63
New York - Age 64
North Carolina - Age 63
North Dakota - Age 63
Ohio - Age 63
Oklahoma - Age 63
Oregon - Age 63
Pennsylvania - Age 63
Rhode Island - Age 64
South Carolina - Age 62
South Dakota - Age 63
Tennessee - Age 63
Texas - Age 64
Utah - Age 65
Vermont - Age 65
Virginia - Age 63
Washington - Age 64
West Virginia - Age 62
Wisconsin - Age 63
Wyoming - Age 65
If you're an older worker who's thinking of retiring, you may want to hold off until you've had time to figure out not only what you want out of retirement, but whether you're in a strong enough financial position to get it. Otherwise, you'll risk joining the ranks of the countless seniors who can't help but call themselves unhappy.
Retirement poses a number of challenges, not the least of which is finding something meaningful to do with your time. Boredom in retirement can, in a worst-case scenario, lead to depression, and in a best-case scenario, leave you feeling dissatisfied and restless.
Before you decide to leave your career behind you, take some time to think about how you'll spend your days in retirement and how much money you'll need to attain the lifestyle you're hoping for. While there's no such thing as a magic retirement savings number to aim for, there is a difference between living it up in an expensive city versus living a quiet life in a quaint little town. Once you determine how you want to fill your newfound free time, you can establish a personal savings target that will allow you to cover your costs.
Save adequately
It's hard to be happy in retirement when paying the bills is a constant struggle. Unfortunately, a large number of seniors enter retirement with minimal savings, thinking they can rely on Social Security to pick up the slack. But that's a mistake, because Social Security will only replace about 40% of the average worker's pre-retirement income. Most folks, even those willing to live frugally, need at least 70% of what they previously earned to stay afloat financially once they stop working, so if you're coming up on retirement and have thus far neglected to save, let this be your wakeup call to stop, rethink that plan, and put in a few more years at the office.
Currently, workers who are 50 and older can sock away up to $24,000 a year in a 401(k). Do that for three extra years, and you'll have an additional $72,000 to work with in retirement (more, if you invest that money and your portfolio performs well). If you don't have access to a 401(k), your next best bet is to save in an IRA. Though the annual contribution limits aren't nearly as generous, if you max out the $6,500 threshold that applies to workers 50 and over, you'll at least be about $20,000 richer by the time retirement starts.
Also remember that the longer you work, the longer you delay dipping into your existing savings. So if you don't feel financially prepared for retirement, whether it's because you're generally behind on savings or haven't socked away enough to support the lifestyle you're hoping for, don't pull the trigger until you're in a better place financially.
Though you might think you're ready to retire, be sure to understand the challenges that come with no longer working. The more thought you put into the decision, the more likely you'll be to one day check the "very satisfied" box on a retirement survey yourself.
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text:
Q: Extracting a specific value from a specific xml tag using Regex in Python My xml:
<note>
<to>Tove</to>
<from>Jani</from>
<heading>Reminder</heading>
Don't forget me this weekend!
</note>

I need a regex to extract "Don't forget me this weekend!" in the  tag and also if the  tag exists in python using regex.
I have written a code, but I am not able to figure out the regex expression.

A: A basic solution:
import re

data  = """
<note>
<to>Tove</to>
<from>Jani</from>
<heading>Reminder</heading>
Don't forget me this weekend!
</note>"""

found = re.findall('(.*)', data)

if found:
  for x in found:
    print(x)

>> Don't forget me this weekend!

redpajama_set_name: RedPajamaStackExchange


Knight holds a Master of Fine Arts degree from the University of California, Irvine. Saleemah received formalized training in Ballet, Modern and Jazz Dance from prestigious companies such as: Gus Giordano Chicago, River North Chicago and Dayton Contemporary Dance Company. She has performed in Contemporary Ballet works choreographed by Donald Byrd and was a featured dancer in The Lion King Broadway Musical. She has also performed with Beyoncé, Chris Brown, Jamie Foxx, Jillian Michaels, Tyrese, Ludacris and more. As a concert dance choreographer Saleemah has set several pieces for the stage, the latest work entitled 9 Minutes and Counting. She currently teaches Jazz and Modern Dance technique and performance-based courses at the USC Glorya Kaufman School of Dance, as well as master classes worldwide.


text:
Austin Fit > Articles > Lifestyle > Healthy Living > Soma Vida
Soma Vida
By Lauryn Lax – September 1, 2015
photos provided by Soma Vida
It's safe to say that Austin is the city that never sleeps when it comes to innovation, brainstorming, moving and shaking. And while the word 'startup' is seemingly often associated with the tech and smartphone applications, this city boasts its fair share of fitness and wellness-minded startups.
Search Yelp for "Fitness and Wellness" in Austin, and you will find more than 1,200 results—many of these being locally owned and operated businesses.
So when Laura Shook, founder of Soma Vida, had a vision for starting her own wellness-minded business nearly eight years ago, she knew Austin would be the perfect fit.
Her mission?
To create a space and health practice aimed at empowering other entrepreneurs to thrive in their own startup businesses and private practices.
In 2008, the first-ever co-working space in Austin was born, and it just so happened to be a co-working space dedicated to the holistic health community.
Shook, a somatic psychotherapist by profession and single working mom, was initially inspired to open a co-working space during her time as a resident of Sweden and Canada.
"I moved away to get experience in other parts of the world, and while living abroad, I really noticed the differences in the business cultures and attitudes. These were socialist countries and economies, where the people were really just super supportive of one another—wanting to help each other out. Women helping women, others helping others succeed in their own businesses. Not quite as competitive," Shook said.
When she returned to her homeland of Texas, Shook instantly took notice of the fast-paced, individualistic, self-serving attitudes many of her contemporaries had when it came to business.
"I was a single mom at the time and, while we Americans are very driven hardworking people, I really began to think that individualism in business was overrated. I really wanted to do business with support, and thought, 'I wonder if there is a way to re-create what I experienced abroad over here?'" she said.
Shook had never heard of a co-working space before, but it was around the same time that she stumbled across an article on the movement of co-working happening in New York City and San Francisco, and she was instantly intrigued.
"The article I read was about this co-working space called In Good Company, based in New York, where various like-minded entrepreneurs and business people came together to share space and work virtually, since the cost of rent for office space was so high in the city. The article was aimed at the co-working movement for those within the tech industry—software developers, programmers, graphic designers, Web developers—complementing industries and jobs. I put that article down and said to myself, 'That's awesome for them, but that doesn't exist in my industry of health, wellness and client care," Shook said.
Then, an idea was born.
"Why couldn't it exist for my industry?!" Shook said.
Shook began to dream about what that could look like—creating a space for holistic practitioners in the city to come together and work alongside one another, find office space and affordable rent for their practices, and ultimately support one another in the process, while being encouraged and reminded to take care of themselves, first in foremost.
"In order to help others, you have to first help yourself," Shook said. Adding, "Oftentimes, when you are the only one running your business, or starting a business, it is easy to neglect yourself," Shook said.
Shook made it a priority to provide a nurturing and wellness-conscious business environment into her plans as Soma Vida began to unfold.
In the early stages of planning, Shook linked arms with a fellow entrepreneur, single mom, business coach, and marketing guru here in town, Sonya Davis. The two women became close friends and even roommates, sharing child care duties for each other's children as each juggled working full time while drafting business plans for Soma Vida.
"Originally, we thought it was going to be at least two years before we even thought about opening any place—we wanted to be ready. However, as luck would have it, we stumbled upon the perfect space on the east side, and it happened to be the right place, at the right time, at the right price. Soma Vida was officially born," Shook said.
From the get-go, a diverse group of health and wellness entrepreneurs flocked to fill the office spaces and co-work alongside one another at the new center—from naturopathic doctors, to massage therapists, acupuncturists, psychotherapists and, of course, yogis.
"Yoga was always a part of the vision. Yoga had played a tremendous role in my life—a healing and self-care practice, as well as the lives and recoveries of many of my clients, and I just knew it had to be part of the space—both for serving our members (the practitioners), working so hard in their own businesses, as well as their own clients' healing journeys and the local community as a whole," Shook said.
Additionally, Shook said she had a particular heart for yoga teachers.
"There didn't seem to be a whole lot of support for many teachers in this community—a place where yoga is so big. Sure, there are a ton of yoga teacher trainings…but what happens after that? The teachers are expected to go out on their own and start their practices; or work for other studios, but those studios don't really support them at their other studios," Shook said.
This realization sparked another idea: a yoga collective.
"I wanted to offer yoga teachers a space to grow their own practices, a place to develop their own clients, host events, and also share more about who they are with others, all the amazing stuff they were up to. I wanted to provide a space for yoga teachers to begin to really begin to find out who they are and gain a following," Shook said.
In addition, Shook set out to offer a place for yogi-preneurs to develop their own private, professional practices.
"You have your yoga teachers, who just teach yoga as a hobby, a passion, or on the side; then you have your instructors who really make yoga their career—or a big part of it. Today, in particular, you have more and more professionals—therapists, counselors—incorporating yoga into their own private practices, and Soma Vida has plenty of space for those practices to happen," Shook said.
This summer, Soma Vida celebrated its seventh year anniversary in its new re-located space at 2324 Cesar Chavez—a stone's throw from the popular Juan In A Million restaurant, and housed next door to the local Corner Vet. Shook notes that the details of the studio space are just as important as the practice and people who occupy it.
"I make a conscious effort to provide wellness in all facets of the space—from the eco-friendly cleaning systems we use, filtered water, water-filtered clean air, open spaces with plenty of sunlight coming in through the windows, various yoga classes throughout the week, herbal teas offered all day—a space conducive to giving it your all to your business and yourself."
As a member to the Soma Vida community, entrepreneurs are invited to join a network of fellow community members and welcomed to host their events, meet with clients, co-work, attend various meet-ups throughout the month, contribute guest blogs and find refuge behind the doors of the holistic healing bungalow.
While Shook may take a non traditional stance on entrepreneurship she hopes to expand her business—something that is typical of nearly every business owner.
Shook has found success as a heart-centered entrepreneur, and encourages other like-minded people to follow a similar path while keeping in mind a small piece of advice:
"To do what you love, you must first love and value yourself; put the time and investment into your self-care, your wellness, your sustainability. It will only make you that more successful. As an entrepreneur, no one is providing you with the work-life balance package. YOU are your company. How much care you are giving yourself is vital – can I invest in you?"
Healthy Bits
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text:
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"My Veil Makes Me Beautiful": Paradoxes of Zeena and Concealment in Amman
Saba Abbas
Journal of Middle East Women's Studies (2015) 11 (2): 139–160.
DOI: https://doi.org/10.1215/15525864-2886514
...Saba Abbas Abstract This article provides insight into the fashionable veiling trend in Amman, Jordan. Drawing on interviews I conducted in 2011 and 2012, I argue that the women in this study understand veiling to be a means for enhancing, rather than containing, the beauty of the body. Through my...
FIGURES | View All (5)
Contested Meaning of the Veil and Political Ideologies of Iranian Regimes
Ashraf Zahedi
Journal of Middle East Women's Studies (2007) 3 (3): 75–98.
DOI: https://doi.org/10.1215/15525864-2007-4004
...Ashraf Zahedi This article examines the history of the veil and its changing social meanings in Iran. Embedded in the meaning of the veil is the erotic meaning of female hair. The symbiotic relations of the "cover" (the veil) and the "covered" (female hair) are central to this history. Iranian...
"One Can Veil and Be a Singer!": Performing Piety on an Iranian Talent Competition
Farzaneh Hemmasi
...Farzaneh Hemmasi Abstract This article explores the media controversy surrounding the victory of Ermia, a veiled female vocalist, on the 2013 expatriate Iranian talent competition Googoosh Music Academy (GMA). A historically and ethnographically informed "ethnotextual" analysis of a selection...
Veiled Empire: Gender & Power in Stalinist Central Asia
Nina Kohli-Laven
Journal of Middle East Women's Studies (2007) 3 (3): 126–129.
..., anthropology, history, and Middle Eastern cultures will find this book an intriguing and challenging exploration of a subject that merits more academic attention. Veiled Empire: Gender & Power in Stalinist Central Asia Douglas Northrop. Ithaca...
Imagining Arab Womanhood: The Cultural Mythology of Veils, Harems, and Belly Dancers in the U.S . by Amira Jarmakani
Nada Elia
DOI: https://doi.org/10.2979/MEW.2009.5.2.85
...: Th e Cultural Mythology of Veils, Harems, and Belly Dancers in the U.S. Amira Jarmakani. New York: Palgrave Macmillan, 2008. Pp. xiii, 236. ISBN 987-0-230-60472-8. Reviewed by Nada Elia, Antioch University Seattle Th ose of us who grew...
Between Warrior Brother and Veiled Sister: Islamic Fundamentalism and the Politics of Patriarchy in Iran by Minoo Moallem
Elham Gheytanchi
DOI: https://doi.org/10.2979/MEW.2009.5.1.113
...Elham Gheytanchi Between Warrior Brother and Veiled Sister: Islamic Fundamentalism and the Politics of Patriarchy in Iran , Moallem Minoo . Berkeley : University of California Press , 2005 . Pp. ix, 269 . ISBN 0-520-24345-5 . Copyright © 2009 Association for Middle East Women's...
Veiled Voices by Brigid Maher
Hosna Sheikholeslami
DOI: https://doi.org/10.2979/jmiddeastwomstud.7.2.123
...Hosna Sheikholeslami Veiled Voices , Maher Brigid . Syria, Egypt, Lebanon, USA : Typecast Films , 2009 . 59 minutes. ISBN 4351912238 . Copyright © 2011 Association for Middle East Women's Studies 2011 FILM REVIEW mn 123...
A Quiet Revolution: The Veil's Resurgence, from the Middle East to America by Leila Ahmed
Joan Wallach Scott
.... A Quiet Revolution: The Veil's Resurgence, from the Middle East to America Leila Ahmed. New Haven: Yale University Press, 2011 352 pages. ISBN 978-0-300-17095-5. Joan Wallach Scott, Institute for Advanced Study Leila Ahmed's Women...
Over Forty Years of Resisting Compulsory Veiling: Relating Literary Narratives to Text-Based Protests and Cyberactivism
Claudia Yaghoobi
...Claudia Yaghoobi Abstract While text-based and cyberspace campaigns against compulsory veiling in Iran have received much attention, Iranian diasporic creative writers have also engaged in this resistance through their writings, but they have remained almost unacknowledged. This article argues...
A veiling style that exposes the neck, displayed in a shop window in Amman....
in "My Veil Makes Me Beautiful": Paradoxes of Zeena and Concealment in Amman > Journal of Middle East Women's Studies
Figure 5. A veiling style that exposes the neck, displayed in a shop window in Amman. Author's personal collection. More
Fashionable veiling over Western-style clothes. Author's personal collectio...
Figure 3. Fashionable veiling over Western-style clothes. Author's personal collection. More
Illustration by Yihya Jawad, "Maʿrakat al-ʿIraqiyya maʿa al-hijab" ("Iraqi ...
in Women Doctors and the Medical Profession in Iraq during the First Half of the Twentieth Century > Journal of Middle East Women's Studies
Figure 1. Illustration by Yihya Jawad, "Maʿrakat al-ʿIraqiyya maʿa al-hijab" ("Iraqi Women's Struggle with the Veil") (Al-Shaykh Dawud 1958 : 93). More
Transgression in Narration: The Lives of Iranian Women in Cyberspace
Masserat Amir-Ebrahimi
Journal of Middle East Women's Studies (2008) 4 (3): 89–118.
... and the public spheres. In the past two decades, gradual transgressions of urf and sharia have become a sign of modernity and resistance for many women and young people who wish to generate changes in their situation. Since 2001, the trend of willfully neglected veiling (bad-hejabi) in physical space has been...
Religious Authority, Gendered Recognition, and Instrumentalization of Nusrat Amin in Life and After Death
Maryam Rutner
Journal of Middle East Women's Studies (2015) 11 (1): 24–41.
... and reproduces Amin as a modern pious role model for Iranian women, a conservative in her viewpoints on gender relations, and an advocate of the veil. This selective attention worked to recuperate the traditional gender viewpoints of the Islamic Republic while facilitating demands to expand religious education...
The Burqa in Vogue : Fashioning Afghanistan
Ellen McLarney
Journal of Middle East Women's Studies (2009) 5 (1): 1–23.
DOI: https://doi.org/10.2979/MEW.2009.5.1.1
...Ellen McLarney In the months leading up to 9/11 and in its immediate aftermath, the media demonized the burqa as "Afghanistan's veil of terror," a tool of extremists and the epitome of political and sexual repression. Around the time of Afghanistan's presidential and parliamentary elections in 2004...
Immodest Modesty: Accommodating Dissent and the 'Abaya-as-Fashion in the Arab Gulf States
Noor Al-Qasimi
...Noor Al-Qasimi This article examines how the phenomenon of the 'abaya-as-fashion is accommodated by the hegemonic order of Islamic patriarchy in the region of the Arab Gulf states. The traditional 'abaya, or body veil commonly worn by national women across the Arab Gulf, is juxtaposed against...
Sex, Marriage, and Eroticism in Contemporary Islamic Advice Literature
Hina Azam
DOI: https://doi.org/10.2979/jmiddeastwomstud.9.1.54
... to veiling, gender relations, marriage, and sexuality. This paper examines this particular segment of titles in order to determine how they present a set of behaviors, thoughts, and feelings that we would recognize as erotic in nature—that is, pertaining to sexual desire and its expression, romantic...
Lalla Essaydi's Bullets and Bullets Revisited : Aesthetic and Epistemic Violence in a Globalized Art World
Naïma Hachad
Journal of Middle East Women's Studies (2021) 17 (1): 1–21.
... and the Middle East. Her violent aesthetics further account for curatorial and marketing practices that neutralize the subversive content of art by women originating in North Africa and the Middle East. Often shown in exhibitions featuring similar images and associating women with the veil, weapons, and scenes...
Unraveling the Bindings of Muslim Women: Agency, Politics, Piety, and Performance
Afiya S. Zia, Shahrzad Mojab
...Afiya S. Zia; Shahrzad Mojab The results are discussed in light of the motivations of women who veil. The survey found that most of the respondents (71 percent) who observed the veil stated that they did so out of a sense of obedience to this Islamic requirement, while only 6 percent did so due...
Religious Bodies and the Secular State: The Merve Kavakçi Affair
Kim Shively
... Kim Shively  n May 1999 a "scandal" erupted in Turkey involving an elected representa- Itive from Istanbul, a veiled woman named Merve Kavak This woman entered the Turkish parliament to take an oath of allegiance to the Turkish State...


First off, it is essential that you understand the studies of fulfillment levels over purchasing a bed mattress has provided comparable result in those who bought them on the internet as well as offline by visiting a shop.
The outcome may appear a little unexpected, however that is the fact. Those that mosted likely to the shop did not have a much better contentment rating. Several things can be thought about as the reason for this. Of all, the benefit of actually obtaining to try on the bed mattress that you obtain when you check out a shop is generally covered by thousands of customer examines one can locate online.
nectar vs layla mattress If a thousand out of thousand individuals are saying that a mattress is comfy, the opportunities are it is in reality comfortable.
This "benefit" you assume an offline store has when purchasing a cushion is actually not that much of a benefit when you take into consideration a couple of things. For an example, the example mattress that you are trying on in the store has actually been tried on by many individuals before. You will certainly not get that comfy sensation with your brand name new bed mattress up until after a couple of weeks when it is made use of for a while. This is why you have a better possibility at picking a comfy product by experiencing confirmed user testimonials when you buy mattress online.
Since you recognize purchasing a cushion online will not make you regret at the end, allow's see the important things you could do it make your decision as far better as possible. To begin with, it is exceptionally important that you are plainly familiar with the sort of item you are trying to find. Everyone has their own style of resting. There are bed mattress which are much better for back sleepers compared to side sleepers. There are some which would certainly deal with a person with a stiff back better. Know specifically just what you are going with, then start surfing for the bed mattress that would certainly match all your needs. Otherwise, you are likely to get sidetracked by all the options you will see as well as finish up getting something that plainly does not fit you, your requirements or your way of living.
As discussed over as well, one of the biggest advantages of on the internet shopping is the access to thousands of user evaluations. There are unusual possibilities that a product is a lot far better compared to what it has been explained by the individuals, yet most of the time if the testimonials are credible, it would provide you an excellent understanding into the experience of making use of the mattress that you could not obtain from anywhere else.
One more issue when you buy mattress online is the expense. Normally, getting items on-line featured an added expense for the delivery. There are several mattress firms online which would set up the shipment free of cost. Take a while to search for them. Otherwise, you would certainly be losing your benefit of acquiring online. There are sales in the shops nearing seasonal times of the year. Aim to obtain big products like cushions on sale where sometimes they use up to 50% price cuts. Maintain an eye on coupon offers. If you have a little patience to do some great excavating on online, you will probably be able to acquire the finest cushion for the very best cost feasible.
Of all, it is vital that you understand the surveys of complete satisfaction degrees over purchasing a bed mattress has offered comparable outcomes to those that got them on-line and also offline by going to a shop. Of all, the advantage of really getting to try on the bed mattress that you get when you go to a store is generally covered by thousands of user evaluates one could locate on the internet. If a thousand out of thousand individuals are saying that a mattress is comfy, the chances are it is in truth comfy.
This "benefit" you believe an offline store has when getting a cushion is in fact not that much of a benefit when you take into consideration a few points. For an instance, the example bed mattress that you are trying out in the store has actually been tried out by many individuals prior to. Therefore, you will not get that comfortable feeling with your brand-new cushion up until after a few weeks when it is made use of for some time. This is why you have a far better opportunity at selecting a comfy item by experiencing validated user evaluations when you buy mattress online.
Since you know acquiring a mattress online will not make you be sorry for at the end, allow's see the important things you can do it make your choice as far better as feasible. To begin with, it is extremely vital that you are plainly knowledgeable about the sort of product you are seeking. Everybody has their very own style of sleeping. There are cushions which are much better for back sleepers compared to side sleepers. After that there are some which would treat someone with a stiff back better. Know exactly what you are going for, then start searching for the cushion that would match all your needs. Otherwise, you are likely to obtain sidetracked by all the alternatives you will certainly see and also finish up purchasing something that clearly does not match you, your requirements or your way of living.
As pointed out above too, among the biggest advantages of on-line shopping is the accessibility to hundreds of individual reviews. If the users are confirmed, the chances are that they would talk about much more the weaknesses of a product that its great points– this is natural for us people as well as it fantastic for you as a new customer to remove the products that do not match you. Check out at the very least 20 reviews by previous individuals before you make the last decision. The more testimonials you can check out the better. There are uncommon possibilities that an item is a whole lot much better than just what it has actually been explained by the customers, however many of the time if the testimonials are reliable, it would provide you a great insight into the experience of making use of the cushion that you could not obtain from anywhere else.
One more concern when you buy mattress online is the cost. Normally, acquiring products online included an added cost for the shipment. There are numerous mattress companies online which would arrange the distribution totally free. Take a while to look for them. Otherwise, you would certainly be shedding your advantage of acquiring online. There are sales in the stores nearing seasonal times of the year. Aim to obtain large products like bed mattress for sale where often they supply up to 50% discounts. Keep an eye on voucher supplies as well. If you have a little persistence to do some good digging on online, you will possibly have the ability to buy the ideal bed mattress for the very best rate feasible.
First of all, it is necessary that you know the studies of complete satisfaction degrees over purchasing a cushion has provided comparable lead to those that bought them online and also offline by checking out a store.
The result could appear a little shocking, yet that is the fact. Those that mosted likely to the shop did not have a better contentment rating. Many points can be taken into consideration as the factor for this. Of all, the benefit of really obtaining to try on the bed mattress that you get when you see a shop is generally covered by thousands of individual assesses one can locate on the internet.
nectar vs layla mattress If a thousand out of thousand people are saying that a bed mattress fits, the chances are it is in reality comfortable.
For an instance, the sample mattress that you are trying on in the store has actually been tried on by numerous people prior to. You will certainly not obtain that comfortable feeling with your brand name brand-new bed mattress until after a couple of weeks when it is made use of for a while.
Now that you understand getting a mattress online will certainly not make you be sorry for at the end, let's see the things you could do it make your choice as much better as possible.
nectar vs layla mattress There are cushions which are much better for back sleepers compared to side sleepers. Know specifically what you are going for, and after that begin searching for the mattress that would certainly match all your needs.
As pointed out over also, one of the most significant benefits of online buying is the accessibility to thousands of customer reviews. If the users are validated, the chances are that they would go over more the weaknesses of a product that its excellent factors– this is natural for us people and also it excellent for you as a brand-new customer to remove the items that do not match you. Review at the very least 20 testimonials by previous individuals before you make the last decision. The more testimonials you could read the better. There are uncommon chances that a product is a whole lot better compared to exactly what it has been explained by the individuals, however the majority of the moment if the evaluations are reputable, it would offer you a terrific understanding right into the experience of making use of the mattress that you could not get from anywhere else.
An additional concern when you buy mattress online is the cost. Usually, buying goods online featured an extra cost for the delivery. There are several bed mattress companies on the internet which would arrange the shipment completely free. Take some time to try to find them. Otherwise, you would certainly be shedding your advantage of getting online. There are sales in the shops nearing seasonal times of the year. Aim to obtain large products like mattresses on sale where occasionally they supply up to 50% discounts. Keep an eye on coupon provides too. If you have a little persistence to do some great digging on online, you will probably have the ability to get the most effective cushion for the best cost possible.


text:
This example showcases unsupervised clusterization with [K-Means].

We use the [iris flower dataset] which consists of 50 samples from
each of three species of Iris (Iris setosa, Iris virginica and Iris
versicolor). Four features were measured from each sample: the
length and the width of the sepals and petals, in centimetres. Data
are in [iris.csv](iris.csv).

We train an unsupervised clustering model on numerical features,
and check the predicted data (cluster number) against dataset label
to evaluate performance.

[K-Means]: https://en.wikipedia.org/wiki/K-means_clustering
[iris flower dataset]: https://en.wikipedia.org/wiki/Iris_flower_data_set

redpajama_set_name: RedPajamaGithub


text:
The General Malaise in Women's Fashion Apparel
June 4, 2012 by Fountain of 30
Maybe it's the MBA talking, but I am always interested in the business side of fashion, so an article in today's WWD about the state of women's fashion really caught my attention. I have seen so many changes in the fashion industry since we launched Second City Style nearly 8 years ago. At the time we launched fashion was totally attainable. Now the economy has changed and so have our purchasing habits. Yet, it's apparent that the sagging women's apparel business is ready for a change.
WWD goes on to attribute shoes and bags for keeping the industry afloat for several years now. We don't see that changing anytime soon, since they are not only the most noticeable, but most attainable. I can justify spending $3,000 on a bag I can carry daily. I can't wear a $3,000 dress every day though. Well I could but I would be looked at rather strangely I'm sure.
Yet, when it comes to apparel there seems to be too much that is too the same. Women's wear sales have been dragging since well before the recession and the CFDA agrees that there appears to be no easy answer to fixing the problem. Even though retailers are claiming improved profits, it's not apparel, but rather shoes, bags and accessories that are saving their bottom lines. That's why it would seem retailers are always looking for the next "it" designer. Even designers admit women are increasingly finding it tough to find clothing they want to wear, since they now are looking for clothes that can as easily go from work through dinner.
"Fine apparel is particularly challenging right now," Neiman Marcus president and chief executive officer Karen Katz told WWD last week, just after the luxury chain reported a 35 percent profit gain in the last quarter. "For us, this was really the first quarter where we experienced a change. It's not a price issue. There are lifestyle changes. Customers have been very discerning. They want something very unique, very fashionable, something lasting for her wardrobe."
Designer labels that read a bit more casual are doing well, Katz added. However, "We have to rethink how we edit the designer collections."
The bulk of the business — designer apparel, classic and traditional sportswear, suits and tailored looks, outerwear, basics, misses' and juniors — has been in the doldrums for some time, although contemporary sportswear, dresses, knitwear, skinny jeans and colored denim experienced good gains. So there is little question that women's apparel overall lost ground, or had minimal growth in the past year. According to The NPD Group market research firm, women's apparel in the U.S. rose just 2.9 percent to $80.16 billion last year, a figure that includes inflation, which distorts real growth, and is low compared with mid-to-high-single-digit gains retailers posted for their entire businesses.
For several seasons, Nordstrom Inc. has been unhappy with its women's apparel business. Moderate chains are also challenged, like J.C. Penney Co. Inc., (which is constantly reinventing itself these days trying to figure out a winning formula), Gap Inc., which has been trying in vein to turn itself around and find a new identity. Sears Holdings Corp. remains prosaic and requires a fashion overhaul. Wal-Mart Stores Inc. sells, well…Wal-Mart clothes. Talbots Inc., which was just sold to private equity firm Sycamore Partners, thereby escaping a potential bankruptcy, needs to find a contemporary look to reclaim its mature clients that defected to Chico's (that's scary) and elsewhere. Amongst the younger set, Urban Outfitters Inc. and the nation's slew of youth chains seem to be cannibalizing each other and are rather gross.
Retailers, consultants and designers concur the apparel industry is plagued by too much inventory, insufficient innovation, sameness and a failure to keep up with the changing lifestyles of women. No truer words were ever spoken! Most apparel, lacks value, quality that lasts, and versatility, meaning looks that are equally suitable for work or dinner afterward, or as wearable for weekday or weekend occasions.
Fashion experts also said money once spent by consumers on ready-to-wear and sportswear is shifting to accessories and shoes, two categories increasingly associated with fashion, status and innovation. Dresses, too, for the last four years have been on a run because they're simpler and easier to put on than suits or sportswear outfits, and it's a look that can be easily enhanced with cardigans, status handbags and shoes.
Allen Questrom, the former chairman and ceo of Penney's, Federated Department Stores Inc. and Barneys New York, said, "I don't see much out there that's new and different. There's a lot of stuff. If something is new and different, people will buy it. When the iPod came out, nobody asked about the price. They lined up to buy it." This is a sentiment echoed by many of us. The bottom line has killed creativity. Well that and celebrity lines. It all looks the same.
"I think the preoccupation by many manufacturers and designers to cost-engineer to make up for big price increases in raw materials and labor has resulted in a reduction in innovation and creative product development," observed Arnold Aronson, managing director of retail strategy at Kurt Salmon Associates. Sucking costs out of apparel production, more often the case in moderate merchandise rather than high-end apparel, leads to less detail, like fewer buttons, and less interest from consumers, Aronson said.
The fact is no matter how much money a woman has, she is now shopping all price-points. I am amazed at the number of Birkin bags I see at Joe Fresh on the Upper East Side. High-low dressing is no longer for aspirational 20-somethings. So no matter the price, if there is a must-have, hot designer with innovative ideas…they will do well. We are interested to see what the next wave in fashion will bring. We just wonder when it will happen. In the meantime, I'll see you at the sample sales picking over the extra inventory that isn't selling.
Read "Women's Fashion Sales Face Challenges" here (need a subscription to WWD)
– Lauren Dimet Waters
Source: WWD
Image Layout: Second City Style
Categories Editorial, Fashion, Second City Style, Sign of the Times Tags luxury bags, Luxury Shoes, State of the Fashion Industry, The General Malaise in Women's Fashion Apparel
God Save The Queen: Getting in The Spirit of Queen Elizabeth II's Diamond Jubilee
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City Manager Robert R. Kiely, Jr. announced his plan for retirement on July 2, 2018, after 28 years of service to The City of Lake Forest.
The City Council has engaged the professional recruitment firm of GovHR USA to assist in finding his replacement.
A key component in the search process is developing the profile of traits in a new City Manager. It is important to receive input from residents as the profile is developed.
1. What qualities and characteristics would you like to see in the next City Manager for Lake Forest?
2. What future challenges and opportunities do you see facing The City of Lake Forest?
3. What would you like to tell potential candidates about living in Lake Forest?
Please send your responses via email to lakeforest@govhrusa.com before August 20, 2018 in order to have them considered.


We absolutely love everything about Sparhawk from the creativity, school environment, kindness, and the most importantly ... the education! Each teacher is invested and fully supports the mission. Our children are thriving here and we could not be happier.
My son went from merely existing in his previous school to actively participating in a thinking, expressive culture. I am so proud as i watch the transformation of my son.
What can I say? A school after my own heart! Where children laugh, learn, and play! Where children learn about community, world citizenship, and the art of being human!
Awesome learning environment for my 5th grader! He went from a large school with some bullying issues to this small, loving community where learning is much more of an exploration and experience than fitting round pegs into round holes and checking off basic rote milestones of the industrial/educational model. He went from saying he hated school to saying he likes school. That's huge!
If a test is the only thing you have to do, you don't need a teacher, you just need a book.
I cant thank everyone enough for what they have done for me and taught me. I've learned a lot about respect, hard work, acceptance, and to never judge a book by its cover. Sounds cheesy but honestly I have taken that lesson away from this experience. The teachers here are AMAZING and they go above and beyond every day to help us. The students have all become like a family and every single person has something special about them that I have learned to appreciate. They are SO kind and they never hesitate to give back and help other people.
Today was my last day at Sparhawk High School. I could honestly go on and on about this school for hours, but I'll try to keep it short. This community has done so much for me, and everyone there. I started at Sparhawk in 8th grade, and since then have made countless memories and friends. I have met some of the most kind, welcoming, intelligent, thoughtful, talented, loving, accepting, honest, creative, BEAUTIFUL people here and I am so glad to have had them in my life.
Here's what I love about Sparhawk. You embrace the impossible, the unexpected, the imperfect. You have the heart, the vision and the courage to put on a large cast musical when the student population isn't much bigger than the cast size. You give every kid who wants a chance to experience drama and music the opportunity. Not just the kids with perfect pitch or perfect diction, not just the physically beautiful or physically fit, not just the kids who easily memorize lines or have natural grace. Instead of seeing the same faces over and over, I see new faces all the time.
I have two at Sparhawk, 4th and 6th grade. I moved here for the school (from Melrose), and it's the best decision I have ever made. I can't say enough great things. It's a special community, a magical place to learn. The art program is stellar, the music program-Amazing, Mandarin-Awesome! The teachers are fantastic, every single one of them. In addition to the kids making some incredible friendships, I have found wonderful new friends with other Sparhawk parents.
My son went to Middle School and High School at Sparhawk. It was the best decision our family ever made. He got a stellar education , developed real leadership skills, and made so many friends who will be friends for life.
My daughter loves Sparhawk School, so I never have to worry about her missing school for any other reason than honestly needing to take time off. Thank you to you and all of Sparhawk for creating an environment that is so desirable.
I'm so happy you all help him keep the connection by being so welcoming. Sparhawk will always be a part of him we were fortunate that he was able to learn from all of you. My son is doing very well and I seriously think it has so much to do with how he was taught at Sparhawk. Keep up the good work it means more than you think.
I think the teacher did a great job on enlightening the class on the subject rather than guide the class to a absolute answer. And that is the goal of the class, In my perspective what education should do is always enlighten people, ask questions and to make people think.
It is an environment that is truly focused on the individual child ,where a global respect and commitment to community is emphasized.