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text:
Elliot Sewell Betterhelp 2023
March 29, 2022 by test
In terms of Elliot Sewell Betterhelp…Therapists are more than just expert problem-solvers. They're investigators, too, using the ideas you provide them to get beyond your cover story and to the deeper realities you need to find to grow as a person and improve your life.
If you're an older millennial like me, you matured at the same time as the web and the tech industry. When the internet had not yet been taken over by corporations, you keep in mind the Wild West days. You keep in mind having the ability to log on without needing to browse a hidden temple's worth of tricky advertisement traps and pop-ups.
The expression "dot-com bubble" sits someplace in your brain next to mental images of Costs Clinton, Tupac, and Beavis and Butt-Head. You remember the sound instantly if someone discusses a 56k modem. You remember when Google made a name for themselves with the simple motto, "Do not be evil," and what it was like before they failed to live up to that slogan.
They required to reveal me that they might remain real to what makes treatment work if BetterHelp was going to change my mind.
As you think about subscribing to's service, you require to know how its quality of therapy compares to conventional in-person treatment as well as the services of its online competitors. Who are the therapists, and how qualified are they? Do the healing methods provide themselves well to a teletherapy format?
In screening and in discussions with other customers, it became clear to us that the quality of therapy is very high. For many people, the company will have the ability to offer you with a larger and more diverse set of therapist choices than you could reasonably access nearby in a conventional, in-person setting. When it concerns credentials, licensing, and experience, we find that sets an excellent, aggressive bar for its therapists to satisfy. Most of these therapists rely on strategies that have actually proven reliable in scientific research studies.
Autotask Pandadoc – eSignature Review 2023
Content Library Pandadoc – eSignature Review 2023
In terms of Elliot Sewell Betterhelp…Therapists are more than simply professional problem-solvers. They're detectives, too, using the hints you provide them to get beyond your cover story and to the deeper facts you need to find to grow as an individual and improve your life.
You grew up at the same time as the tech and the internet industry if you're an older millennial like me. When the web had not yet been taken over by corporations, you keep in mind the Wild West days. You keep in mind being able to log on without having to navigate a covert temple's worth of challenging advertisement traps and pop-ups.
The phrase "dot-com bubble" sits somewhere in your brain next to mental images of Bill Clinton, Tupac, and Beavis and Butt-Head. If someone points out a 56k modem, you recall the sound immediately. You remember when Google made a name on their own with the simple slogan, "Do not be evil," and what it resembled before they stopped working to measure up to that motto.
They needed to reveal me that they could remain true to what makes treatment work if BetterHelp was going to alter my mind.
As you think about signing up for's service, you require to know how its quality of treatment compares to traditional in-person therapy as well as the services of its online rivals. Who are the therapists, and how certified are they? Do the restorative methods lend themselves well to a teletherapy format?
In testing and in discussions with other customers, it became clear to us that the quality of therapy is extremely high. For many individuals, the company will have the ability to supply you with a larger and more diverse set of therapist choices than you might fairly access nearby in a conventional, in-person setting. When it pertains to credentials, licensing, and experience, we discover that sets a good, aggressive bar for its therapists to satisfy. The majority of these therapists depend on methods that have actually proven effective in clinical studies.
Reporting Pandadoc – eSignature Review 2023
Betterhelp Careerws 2023

redpajama_set_name: RedPajamaCommonCrawl


text:
Liverpool beat Leicester 3-0 to set new club-record home run
LIVERPOOL, England (Reuters) - Liverpool cruised to an impressive 3-0 win over Leicester City at Anfield in the Premier League on Sunday as they set a new club record of 64 straight unbeaten home league games.
Soccer Football - Premier League - Liverpool v Leicester City - Anfield, Liverpool, Britain - November 22, 2020 Liverpool's Diogo Jota celebrates scoring their second goal Pool via REUTERS/Jon Super
An own goal from Jonny Evans and headers from Diogo Jota, continuing his streak of scoring in his first four league games at Anfield, and Roberto Firmino were enough to give Juergen Klopp a victory over his predecessor Brendan Rodgers.
The result moves defending champions Liverpool level on 20 points with leaders Tottenham Hotspur while Leicester are fourth, level on 18 points with third-placed Chelsea.
Although the Reds were without Mohamed Salah, who had tested positive for COVID-19, and the injured Jordan Henderson and Trent Alexander-Arnold, as well as a string of other absentees, it was a strong showing from Liverpool who look ready to launch another serious title bid.
The home side grabbed the lead in the 21st minute when Evans, under pressure from Sadio Mane, headed a James Milner corner into his own net.
Leicester responded with a smart break with Jamie Vardy finding Harvey Barnes in a promising position but the left-winger's effort was well wide of the target.
Liverpool's second was a masterfully worked goal with Andy Robertson whipping in a delicious cross from the left which Jota met at the near post with an expertly angled glancing header.
Leicester keeper Kasper Schmeichel pulled off a series of saves to deny the home side after the break while Firmino twice hit the post and had an effort cleared off the line.
The Brazilian, who had scored just twice in his last 23 Premier League games, got his reward four minutes from the end with a fine header from another Milner corner.
Klopp was full of praise for the way his team had won so convincingly against opponents who would have gone top with victory.
"We deserved it. The boys played an incredible game against a top, top, top opponent. I don't take things like this for granted. The boys were on fire football-wise," said the German.
"I liked the overall performance - the result and clean sheet. We defended incredibly well," he added.
Rodgers was unhappy with the way his team had approached the first half.
"We, first half in particular, were too passive and... gave away poor goals. We had a good opportunity on the counter with Harvey Barnes, but overall when you are passive like that your football is not quite the same, we weren't aggressive enough," he said.
Reporting by Simon Evans; Editing by Toby Davis


Marranitos (Mexican Gingerbread Pigs) are a pan dulce, or sweet bread, flavored with molasses and commonly found in Mexican bakeries. Best served with a cup of milk or coffee and eaten on weekend mornings!
Is this real life?! Never in my wildest dreams did I think I'd learn how to make a batch of Marranitos (these little Mexican gingerbread pigs), let alone share them online. But here I am, sharing one of my favorite childhood Mexican treats like it's no big deal. Who am I kidding – I'm nearly 30 years old and these are still one of my favorite Mexican sweet breads! Let me explain.
they're shaped like little piggly wigglys. that right there is enough to put them in my top five.
they're somewhere between a cookie and a cake. they're not hard, but not totally soft either. best of both worlds.
they're not too sweet, which makes them perfect for dunking in a glass of milk or coffee on weekend mornings.
did I mention they're shaped like little pigs? okay, just checking.
If I could only pick one recipe to remind me of my childhood, it would be this one. I've probably said that about other recipes before, but I really (really, really) mean it this time. I grew up eating marranitos, or cochinitos as my family called them. I've also heard them called puerquitos, but they all mean the same thing – just different Spanish words for "little pigs".
My family used to pick up a big bag of pan dulce, or sweet bread, at the local Mexican bakery every weekend to eat for breakfast or dessert, and the only bread I'd ever reach for was the marranito.
They're the perfect mix of rich molasses flavor with a hint of sweetness that's satisfying and filling. Unlike other Mexican sweet breads that never really hit the spot (I'm looking at you, conchas), marranitos always seem to do the trick.
Making these little Mexican gingerbread pigs is much easier than most people think! Aside from the usual baking ingredients like flour, butter, eggs and the like, you'll need some dark brown sugar, milk, a bit of ground ginger and some unsulfured molasses. All are ingredients you can find at most grocery stores, so the actual recipe ingredients should be very easy to find.
However, my favorite thing about this recipe – the cute little pig shapes – is something you'll probably have to order online. Here's the exact Pig Cookie Cutter I ordered on Amazon. It's smaller than the size of the marranitos you'll find in a Mexican bakery, but it's a normal size for homemade pan dulce.
I have no kids so I have no firsthand experience in this department, but I imagine this would be a fun baking project for the little ones. At least I certainly enjoyed making these. What's more fun that stamping out little piggies with a cookie cutter?!
This recipe has been a huge hit in my house. Between John and I, we've eaten all but 3 of these gingerbread pigs and I'm definitely not sorry about it. It's been cold and has even snowed here already, so we've been dunking these marranitos in some Mexican Hot Chocolate which I'll be sharing on the blog soon.
Slowly but surely, I'm getting in the holiday spirit and am so excited that this will be the first year John and I spend Christmas together. We've been together for about 8 years and this is our first Christmas together! How nuts is that?
I've always gone to OKC to spend the holiday with family, and John's always gone to central PA to do the same. Since we got married in May, we thought it'd be best to take turns every year and switch off Thanksgiving and Christmas. So this year, Christmas will be with my family and next year it will be with his.
In the bowl of a stand mixer, cream butter until smooth. Add the dark brown sugar and mix until well combined. Add in one egg, molasses, milk and vanilla extract. Mix together until smooth.
In a separate large bowl, add the flour, ground ginger, baking soda and cinnamon. Mix together to combine.
Add the dry ingredients into the wet ingredients 1 cup at a time and mix until well combined. The dough should cleanly pull away from the mixing bowl.
Transfer the dough onto a lightly floured surface and roll out to 3/8 inch thickness (or a little less than 1/2 inch). Use a pig shaped cookie cutter like this one to cut into pigs. Place pigs 1 1/2 inches apart on the prepared baking sheets. Brush the remaining beaten egg over the tops of the cookies.
In a small bowl, crack open the remaining egg and whisk. Brush the beaten egg over the tops of the pigs using a pastry brush.
Bake for 10 to 12 minutes, until the edges are lightly browned.
The number of cookies will vary depending on the size of the cookie cutter you use. Here's an affiliate link to the one I used.
I made these pigs with a 7 year old for a Chinese new year celebration (Year of the pig) even though it's a mexican recipe, I thought why not!? They look delicious.
Had to convert to UK grams but that was fairly easy and dark treacle is what we have labeled for Molasses.
I'm so happy you liked it, Laura. Thank you!
I am 85 years old and "Cochitos" have always been my favorite Mexican bakery item! My children/grandchildren/husband would always buy one for me when they went to a Mexican bakery. Thank you for the memory and I hope to try the recipe soon after I buy the cookie cutter!
Hi. …i am soooo happy my husband loves these and we havent been able to find any where we live and the ones we have found were awful. …so as i came across this recipe tonight i had a warm fuzzy i know what im making him for valentines day…. Thanks so much.
You're so welcome! I'm so glad you found the recipe 🙂 I'm sure he's going to love them for Valentine's Day.
These were absolutely delicious, so much better than the bakery! The only thing I changed was I cut down on the molasses & substituted the difference with honey, about 60/40. Thank you so much Isabel for sharing your recipe!
I'm so happy you liked it, Louise! And that's such a great idea to use some honey. I'm going to try that next time I make a batch.
I make these exactly how the recipe is written. Once, I drizzled royal icing over the Christmas tree cutouts to make them look like they were decorated with tinsel. I like them plain too, to have with my coffee in the morning. This is a hit with family! Delicioso!
These were so cute and really fun and easy to make. I added a tablespoon of strong coffee because the batter seemed a little too dry. They were delicious! Even my very very picky granddaughter ate 3. Next time I'm going to add an extra egg and maybe some baking powder to give the cookie a more cake like and a less dense consistency.
I'm so glad you liked it, Theresa! A little coffee to the batter sounds delicious!
I didn't have a pig cookie cutter so I used a star cutter instead, thus making estrellas instead of maranitas. They tasted just like I remembered from my childhood in South Texas. Great recipe!
Thank you so much, Tiffany! I'm so happy you liked it! Happy New Year!
I was about to make these but the "egg" instructions are confusing. Recipe says 2 eggs. Instructions #2 say add "the egg" which I assume is the 2 eggs?? In points 5 and 6 it says to use the remaining egg. What remaining egg? Are you beating 2 different eggs in 5 and 6? I'm guessing it's only 1 egg in #2 and the second remaining egg is used in step 6. Please advise.
Hi, Mary. I'm so sorry about the confusion! I just updated the recipe steps so they're a little more clear. But yes, your guess what correct. You add one egg in step 2 and then the second egg is for the egg wash. Sorry about that. I hope you like them!
I made these Puerquitos for the first time and my hubby loved them! Thank you for sharing your recipe.
Yay! I'm so happy he love them! They're my favorite pan dulce ever.
My family couldn't believe these were homemade! They are so delicious!!
I'm so happy you liked them! Those little pigs are seriously my favorite pan.
Do you use fresh grated ginger or the dry ground ginger found in the spice aisle?
I used dry ground ginger.
I don't like to cook or bake because I'm not very good at it. I decided to try making the marranitos because they are my dad's favorite pan dulce and they turned out perfect. Everybody was surprised and delighted!
Yay! That makes me so happy, Isela 🙂 I'm so glad that everyone liked it.
Just found your recipe and can't wait to try them. Totally my favorite right next to conchas. Thanks E Guerrero.
I'm SO craving these..I've been gluten free for nearly 3years and have searched high and low for a gf recipe – anyone tried this with a gf blend?!
Ooh, I have not but I think it's worth a shot! I might give that a try next time I make them.
Been wanting to make a vegan version of these. Also my fave. Just tweeted one thing. Yum!
I made these last night and they turned out great. Thank you so much for this recipe. One thing I noticed on your ingredient list is you call for a 1/4 cup of butter (one stick) and I think you meant 1/4 lb of butter. I look forward to trying more of the recipes on your site!
Ah yes, thank you so much for catching that mistake! I'll make sure to update the recipe now so others don't get confused. Thanks!
I made the marranitos (gingerbread pigs) and they turned out perfect ! They are so delicious! I ordered the pig cookie cutter from Amazon. They were fun to make and everyone I shared them with loves them. Thank you so much for this recipe!
Thanks, Gayla! I'm so happy you liked them! 🙂 It's one of my favorite recipes.


I don't like the way Lightroom functions with its catalog system, and always used Adobe Camera Raw (started from Adobe Bridge) for RAW development. Bridge/ACR were never the fastest programs in the world, but for some reason on this computer Bridge is so slow it's impossible to use. Even worse, at random times it locks up, requiring me to force quit it (actually I do kill -9 from the terminal).
In fact, I can't properly shut it down now at all. When I try to quit it, it locks up. I even let it do its thing for a few hours after it locked up, but it never recovered.
Checking basic resource utilization such as CPU usage, etc, reveals that Bridge is not doing anything in this time and not consuming any unreasonable resources.
As mentioned, this never worked perfectly, but starting from today I can't open RAW files in ACR from Bridge, without going through Photoshop (going through Photoshop stil works fine). I previously set Bridge to embed ACR directly instead of opening Photoshop when I double click on a file. When I try to do that now, it just locks up.
I have read Adobe's advice on similar issues: Troubleshoot Bridge for freezes and performance issues. Needless to say, it hasn't done anything.
It works "fine" (slow, but with no lock-ups) on my mac laptops of similar generation.
In the past, many such slow/lockup problems with Bridge involve the cache and some curiosities (bugs?) in the way Bridge manages the cache. However, in those cases you can usually see Bridge racking up a lot of CPU.
One thing to try is to nuke the cache, and do it outside of Bridge. With Bridge shut down, find the Bridge cache, copy it somewhere if you want, then delete it entirely using the OS utilities. Then launch Bridge, and if possible, quickly point it at some folder with a small number of images.
If that works OK, then start navigating to folders with more images and see if it keeps up. I remember once, years ago, someone posted about a similar problem. After several responses and queries, it turned out he had Bridge pointed at a folder with over 5,000 images. Bridge was simply choking on that volume. Also, double check where your cache is stored and if that disk is healthy.
Yeah, I uninstalled all the apps, then tried to uninstall the Adobe Creative Cloud app, which failed, so I simply removed all traces of Adobe products in /Applications, /Library, and $HOME/Library (preferences, caches, etc), then reinstalled Bridge and Photoshop. I have the exact same problem as before.
Edit: Well, there's one improvement. I can now at least start up Camera Raw without freezing, but it still locks-up on quit, and randomly, in general.
I'm seriously investigating switching to Capture One (or others), but I don't like the black UI in C1 (I use almost white UI in Bridge, ACR and Photoshop), and I don't like I can't embed a smart object in Photoshop. Trivial things, I know, but it's the small things that make a big difference to me.
So, as much as I detest Lightroom, I imported my images into it, to check its performance compared to Bridge. I am sad to have determined that the general browsing performance of Lightroom is much better than that of Bridge. Also, Lightroom never locks-up, which is always a bonus.
Not sure what the lesson is here.


Exceptional adaptability – Hedley May interviewed 9 of the 14 women that were appointed to FTSE 100 and 250 CFO positions from 2016-2017 about their rise to the top job. One shared characteristic stood out: an exceptionally high capacity to adapt to changing environments and circumstances.
Were motivated principally by professional stimulation and personal fulfilment rather than money or status, giving them the confidence to take more career risks.
Embraced unconventional steps in their path to success and turned these to their advantage – circumventing linear male-dominated career paths.
Proactively sought out change when professionally unfulfilled, without fear or constraints.
Were able to pause their career progression for a period of time – such as when starting a family – and then accelerate quickly again.
Confronted periods of adversity due to challenging personal circumstances by turning them into platforms for greater success.
Female FTSE CFO appointees – has progress stalled?
The Hampton-Alexander Review called for women to make up at least a third of large-cap leadership teams by 2020. Yet the number of female CFOs in the FTSE 100 has receded from 13 in 2015 to 10 in mid-2018. In the FTSE 250, the number stands at 19 – just 7.6%.
Last year there were 128 female Controllers/Divisional CFOs at FTSEs. This raises the question of why there aren't more internal female promotions to the top job.
What can FTSEs learn from current female CFOs?
The ability to thrive upon change is one of four key leadership traits that anyone who aspires to be a FTSE executive must demonstrate, alongside critical thinking, emotional intelligence, and drive. It is the striking quality that has made the current group of female CFOs top-quartile performers among their peers.
It might therefore be tempting for FTSEs to prioritise outstanding adaptability in their search for female CFO candidates. But the wider message is that very talented women are being overlooked because they are typically required to be more flexible than men. The path for men into leadership positions is better defined – shown by the fact that 89% of FTSE 100 finance executive teams have a male bias. FTSEs should ask themselves how they can make progression routes clearer for women by creating an organisation that doesn't require so much adaptability.
The risk is that if they fail to do this, potential female CFOs within their ranks will move when feeling unstimulated or taking a pause in their careers – and flourish somewhere else. Institutions should recognise that adaptability is a two-way street. If they are more accommodating of women that are not able or willing to tick all the boxes on the traditional road to CFO, they will retain a richer pool of future leaders.
FTSE CFO candidates are usually expected to plan well in advance to position themselves for the job. Yet many of the current crop of female CFOs subverted these expectations by deciding to target it relatively late in their careers.
status and pay were seen as accompanying success, not defining it.
This gave them the flexibility to be proactive and open to change – to pull the ripcord and keep confidence that any option they took would work out. One CFO spoke about swiftly deciding to leave an industry as soon as she learned it was not female-friendly and changing direction. "Key is seeing a culture you want to work in and adapting your style", Vanessa Simms, CFO, Grainger.
The primary reason female CFOs accepted pauses earlier in their careers was to provide balance to their personal lives. When having children or facing challenging periods in their lives, several took sideways moves or even demotions.
These 'lesser' roles gave them the breathing space they needed for a period. But what stands out is how they were then used as a springboard to go on to new things with renewed vigour when the time was right.
"I made the decision to move companies and take a demotion at a time when I needed to focus on my family. This became a lucky break because I quickly shone and got promoted".
The women we interviewed showed a willingness to take unusual career moves when they felt stifled. They turned these moves to their advantage by accumulating skills outside the norm that would later help them stand out as CFO candidates.
For example, Samantha Wren, now Group CFO/COO at NEX, went from a role with oversight of a team of 700 to become Chief Commercial Officer at NEX with no team at all. She believes this was the strategic step that propelled her to a CFO appointment.


text:
Q: Files not getting unzipped, output of the task is UP TO DATE I have two gradle tasks:
task getDistributionValues {
    fileTree(dir: 'build/tmp/distribution/', include: '*.zip').visit { FileVisitDetails details ->
        distributionZips << details.file.name
        println('printvalues'+distributionZips)
    }
}

getDistributionValues.dependsOn(getDistribution)
def distributionComponentName

task unzipDistribution(type:Copy){
    distributionZips.each { unzipNames ->
        distributionComponentName = unzipNames.substring(0,unzipNames.length()-15)
        println('comp Name here'+distributionComponentName)
        def zipFile = file('build/tmp/distribution/'+unzipNames)
        into project.buildDir
        from(zipTree(zipFile)) {
            into 'tmp/unzipComponent/'+distributionComponentName
       }
    }
}
unzipDistribution.dependsOn(getDistributionValues)

I have two zip files in distribuition folder that I am getting by executing one task.
Ideally,as a result of these tasks, I should be getting the unzipped files but I don't get any output. Any suggestions?
The names of these files in distribution folder are bc-bluetooth-0.8.0-dist.zip and bc-core-0.6.3-dist.zip

A: Assuming there are zip files in ~/tmp/distribution, the following works for me with Gradle 2.12:
def distributionZips = []

def performDistribution = { ->
    // copy zip files from ~/tmp/distribution to ~/build/tmp/distribution
    ant.mkdir(dir: "${buildDir}/tmp/distribution")
    ant.copy(todir: "${buildDir}/tmp/distribution") {
        fileset(dir: "${projectDir}/tmp/distribution", includes: "*.zip")
    }

    // populate distributionZips
    fileTree(dir: "${buildDir}/tmp/distribution", include: '*.zip').visit { FileVisitDetails details ->
        distributionZips << details.file.name
        println 'printvalues: ' + distributionZips
    }
}

task getDistributionValues() << {
    performDistribution()
}

def distributionComponentName

tasks.whenTaskAdded { task ->
    if (task.name == "unzipDistribution") {
        performDistribution()
    }
}

task unzipDistribution(type:Copy) {
    distributionZips.each { unzipNames ->
        distributionComponentName = unzipNames.replace(".zip", "")
        println('comp Name here'+distributionComponentName)
        def zipFile = file('build/tmp/distribution/'+unzipNames)
        into project.buildDir
        from(zipTree(zipFile)) {
            into 'tmp/unzipComponent/'+distributionComponentName
        }
    }
}

The primary issue is that this:
task unzipDistribution(type: Copy) {
    // executed during Configuration phase
}

had a mix of code involving the Configuration phase and Execution phase. (I use the ICE rule: Initialization, Configuration, Execution, as documented here).
My solution is just one way to do it, but it uses a Groovy method that is used by getDistributionValues during Execution phase and also by unzipDistribution during Configuration phase.

redpajama_set_name: RedPajamaStackExchange


text:
Statue of Justice, Old Bailey (licensed CC BY 2.0 on Flickr by Ronnie Macdonald).jpg
Van driver who crushed bike with toddler still in child seat receives community order
Bristol Magistrates' Court told that driver Robin Tippett drove off after hitting cyclist carrying his son in child seat because he feared losing his job if he was late...
by Simon_MacMichael
Wed, Mar 07, 2018 17:52
A van driver in Bristol who fled the scene of a collision with a cyclist, driving over and crushing the bicycle which still had a toddler strapped into the child seat, has been handed a community order and banned from driving for nine months.
Robin Tippett, aged 22 and from Pucklechurch, pleaded guilty yesterday to failing to stop after an accident, failing to report an accident and driving without due care and attention in relation to the incident, which happened last September, reports the Bristol Post.
at Bristol Magistrates' Court heard that Paul Squires had been waiting at a junction on Cossham Street, Mangotsfield with his two-and-a-half-year-old son Daniel when they were pushed forward by Tippett's flatbed van, knocking them over.
In a statement read out to the court, Mr Squires said: "We fell to the right.
"The white van was alongside and the driver's window was open. I saw a male and I made eye contact.
"I shouted: 'What are you doing, what are you doing? I've got my son!'"
However, Tippett revved his engine and drove off, turning right and crushing the bicycle.
Fortunately, neither Mr Squires nor his son were hurt in the incident, although both their cycle helmets were damaged.
Police subsequently traced and arrested Tippett, who works for a scaffolding firm.
"The incident left me very angry. Hitting someone off their bike, then driving off," Mr Squires continued.
"It was only good luck the equipment protected (my son), even though that is what it is designed for.
"I cannot forgive that, it is unacceptable. It is a thought I cannot get out of my head."
He revealed that the episode had made him think about swapping a bike for a car as his means of getting around, saying: "I'm considering purchasing a second car due to his reckless inattention."
In mitigation, solicitor advocate Mike Wynter said that Tippett is blind in his left eye but acknowledged that Mr Squires and his child were to his right.
"He knew the cyclist was there and he drove away, knowing he hit the cyclist."
The court heard that Tippett had told a probation officer that he did not know there was a child on the bike and he had driven off because he was worried about losing his job if he was late.
Sentencing him, District Judge Lynne Matthews imposed a 12-month community order under which he will be required to perfortm 300 hours of unpaid work.
He was also banned him from driving for nine months, fined £500 and ordered to pay costs of £85 and an £85 victim surcharge
The judge told him: "You may lose your job. So be it. You are not safe driving.
"There would be a public outcry if your licence was not taken away from you.
"You were inches away from a death by dangerous driving."
She added: "I sentence you for what happened, but I look at the risk that you pose."
Mr Squires gave more details of the incident in a comment on the Bristol Post's report of the case.
He wrote: "I was stationary at a T junction, looking to turn right.
"I had waited for 10-15 seconds for a vehicle coming from the right to pass, when the van struck me from behind, pushing us forward into the road.
"I assume he was not looking forward, or was looking left approaching a junction.
"I was not overtaking anybody. He then turned right at the T junction to escape and his rear right wheel drove over the bike and my son's car seat.
"There were four independent witnesses, he was stopped two minutes after the incident and told to return to the scene of the crime, and didn't.
"I also understand he failed to attend his first six requests for interview, and didn't turn up to his original hearing last week, after which a warrant for his immediate arrest was issued."
Robin Tippett
Simon MacMichael
Simon joined road.cc as news editor in 2009 and is now the site's community editor, acting as a link between the team producing the content and our readers. A law and languages graduate, published translator and former retail analyst, he has reported on issues as diverse as cycling-related court cases, anti-doping investigations, the latest developments in the bike industry and the sport's biggest races. Now back in London full-time after 15 years living in Oxford and Cambridge, he loves cycling along the Thames but misses having his former riding buddy, Elodie the miniature schnauzer, in the basket in front of him.


More than a dozen former MLB players took part in the Youth Futures International Golf Tournament in Las Vegas on Monday. The tournament helped benefit Youth Futures International, an organization aimed at maximizing young leaders' potential to impact the world.
Join the Alumni Association and receive insider baseball information, discounts on leading brands and MLBPAA corporate affiliates and access to an exclusive fraternity of baseball greats.
Since 1982, the MLBPAA has staged events to raise money for charities to interact with the community or to simply give back to the community. Youth clinics, golf outings, fundraisers and alumni days are among the events typically featured on the MLBPAA event schedule.
Established in 1999, the Major League Baseball Players Alumni Association (MLBPAA) created the Legends for Youth Dinner to recognize former Major League players for their on-field accomplishments and their off-field contributions to communities across the nation.


text:
Q: Can we use PDO transactions like this to ensure external API call only runs once? I needed to make sure an External API call (which might take 200-300ms to respond) does not run more than once (Please see my Edit for a better explanation of what I'm trying to do).
This is what I finally thought of:
try{
    // Start Transaction
    $db->beginTransaction();

        // UPDATE (This sets in database that API call was successful)
        // Yes, before even calling the API
        $stmt = $db->prepare("QUERY1");
        $stmt->execute();

        // Row isn't updated?
        if ($stmt->rowCount() < 1){
            // STOP, It might be running in another code execution (Which is what we're trying to prevent here)
            throw new PDOException('Not updated!');
        }

        // Some External API call
        $call = $external_api->action();

        // External API call was "NOT" Successful?
        if ($call !== TRUE){
            throw new PDOException('API Failed!');
        }

        // UPDATE the same row again with "Real" API response data
        $stmt = $db->prepare("QUERY2");
        $stmt->execute();

    // All good
    $db->commit();
}catch(PDOException $e){
    // If Something went wrong rollback!
    $db->rollBack();
}

But I have 3 questions which I don't know the answer for:

*

*Is this a good approach? or it might cause more harm than good?

*What happens if PHP gets timed out and we don't roll back? will it roll back automatically if we don't commit?

*In the following part of code:
// Row isn't updated?
if ($stmt->rowCount() < 1){
    // STOP, It might be running in another code execution (Which is what we're trying to prevent here)
    throw new PDOException('Not updated!');
}

If the rowCount is 0, it won't roll back anything right? (I don't want it to roll back the same Query for another Code Execution)

In the end, if there is a better method or approach in my case to prevent double executions, please kindly let me know.
Edit:
What I'm trying to do here, is stopping people from running this page from 2 different browsers at the same time (or refreshing too quickly) and getting the external api call inside this page executed more than once.
https://example.com/?execute_id=15

So if it goes inside if ($stmt->rowCount() < 1){...} it means this row is already updated by another execution, and by throwing execption it stops calling the following API call again.
I dunno how to explain it better :(


A new documentary, The Banksy Job, will focus on the daring daylight robbery of a Banksy sculpture from a public street, the documentary will attempt to unravel the mystery surrounding one of the street artist's stolen pieces, entitled The Drinker.
The Banksy work, was a 10-foot statue, that the elusive street artist illegally erected in a small square near Shaftesbury Avenue in London in March 2004. The work resembled Auguste Rodin's famous sculpture The Thinker, but with the amusing addition of a cone over its head, the piece was stolen during the middle of the day, by a group of thieves that call themselves Art Kieda, a group headed up by AK47, who is the subject of the new film.
The documentary will follow the events that unfolded after the theft of the famous Banksy piece. ""(There is the) theft and destruction of the statue, the artists, gangsters, AK47's private anarchist army, and then there are the struggling artists, still waiting to get paid for building the statue," Dylan Harvey and Ian Roderick Gray, the documentary's creators, told Dazed.
While the film will look back at the theft, it will also document the statue's ongoing saga. "With AK47's plans to rebuild the statue and sell it as a Banksy original, our third act is yet to be written, Harvey and Gray say. The documentary has launched a crowdfunding campaign and might hit the screens as early as 2016, Complex Magazine reports.
The media followed the bizarre incident for several weeks, which culminated in Banksy offering a mere £2 to get his artwork back.


Hazim is a uniquely qualified designer, architect and LEED accredited professional, with more than 20 years of experience in the design and management of public projects throughout Southern California.
Especially adept at managing complex projects, Hazim makes sure that all project goals, deadlines and budgetary parameters are strictly observed.
He will make sure that construction documents and specifications are accurate and concise, ensuring a smooth bidding phase with clear expectations for all contractors.
His capable leadership takes a project from design concept through punch-list completion with a focused, efficient work effort that elicits the best from his fellow design team members.
Hazim manages the office in Los Angeles.


text:
Q: How can I loop through a SQL table and add a unique ID to rows based on a combination of fields? I have a SQL table and I need to create a unique ID for rows every time I import more data. I want to create a unique ID when there are new combinations of four fields. The Unique ID should look like the example below. What I am struggling to figure out is when a fourth row of data comes in how can I tell SQL to look at the Max Unique ID and spit out a Unique ID = 'asm_0003' if the 4th row is unique from the first 3?

Member ID
Code
Date
File
Unique ID

123
I10
3/1/21
file1.txt
asm_0001

123
I10
3/1/21
file1.txt
asm_0001

123
B12
1/1/21
file1.txt
asm_0002


text:
/* AUTO-GENERATED FILE.  DO NOT MODIFY.
 *
 * This class was automatically generated by the
 * aapt tool from the resource data it found.  It
 * should not be modified by hand.
 */

package jp.dip.sys1.android.drumpicker;

public final class R {
    public static final class attr {
    }
    public static final class drawable {
        public static final int icon=0x7f020000;
    }
    public static final class id {
        public static final int button=0x7f060004;
        public static final int button2=0x7f060005;
        public static final int date=0x7f060000;
        public static final int datepicker=0x7f060001;
        public static final int time=0x7f060002;
        public static final int timepicker=0x7f060003;
    }
    public static final class layout {
        public static final int main=0x7f030000;
    }
    public static final class string {
        public static final int app_name=0x7f040000;
        public static final int day=0x7f040003;
        public static final int hour=0x7f040004;
        public static final int init=0x7f040007;
        public static final int minitue=0x7f040005;
        public static final int month=0x7f040002;
        public static final int plusone=0x7f040006;
        public static final int year=0x7f040001;
    }
    public static final class style {
        public static final int Text=0x7f050000;
    }
}

redpajama_set_name: RedPajamaGithub


text:
Q: Ray Tensorflow-gpu 2.0 RecursionError System information
OS Platform and Distribution (e.g., Linux Ubuntu 16.04): Ubuntu 18.04
Ray installed from (source or binary): binary
Ray version: 0.7.3
Python version: 3.7
Tensorflow version: tensorflow-gpu 2.0.0rc0
Exact command to reproduce:
# Importing packages
from time import time
import gym
import tensorflow as tf
import ray

# Creating our initial model
model = tf.keras.Sequential([
        tf.keras.layers.Dense(64, input_shape=(24,), activation='relu'),
        tf.keras.layers.Dense(4, activation='softmax')
        ])

# Setting parameters
episodes = 64
env_name = 'BipedalWalker-v2'

# Initializing ray
ray.init(num_cpus=8, num_gpus=1)

# Creating our ray function
@ray.remote
def play(weights):
    actor = tf.keras.Sequential([
        tf.keras.layers.Dense(64, input_shape=(24,), activation='relu'),
        tf.keras.layers.Dense(4, activation='softmax')
        ])
    actor = actor.set_weights(weights)
    env = gym.make('BipedalWalker-v2').env
    env._max_episode_steps=1e20
    obs = env.reset()
    for _ in range(1200):
        action = actor.predict_classes(obs).flatten()[0]
        action = env.action_space.sample()
        obs, rt, done, info = env.step(action)
    return rt

# Testing ray
start = time()
weights = model.get_weights()
weights = ray.put(weights)
results = ray.get([play.remote(weights) for i in range(episodes)])
ray.shutdown()
print('Ray done after:',time()-start)

Describe the problem
I am trying to use Ray to parallelize rollouts of OpenAI gym environments using a Tensorflow 2.0-gpu Keras actor. Every time I try to instantiate a Keras model using @ray.remote it raises a recursion depth reached error. I am following the documentation outlined by Ray, where it is suggested to pass weights instead of models. I am not sure what I am doing wrong here, any thoughts?
Source code / logs
File "/home/jacob/anaconda3/envs/tf-2.0-gpu/lib/python3.7/site-packages/tensorflow/init.py", line 50, in getattr
module = self._load()
File "/home/jacob/anaconda3/envs/tf-2.0-gpu/lib/python3.7/site-packages/tensorflow/init.py", line 44, in _load
module = _importlib.import_module(self.name)
RecursionError: maximum recursion depth exceeded

A: The core problem appears to be that cloudpickle (which Ray uses to serialize remote functions and ship them to the worker processes) isn't able to pickle the tf.keras.Sequential class. For example, I can reproduce the issue as follows
import cloudpickle  # cloudpickle.__version__ == '1.2.1'
import tensorflow as tf  # tf.__version__ == '2.0.0-rc0'

def f():
    tf.keras.Sequential

cloudpickle.loads(cloudpickle.dumps(f))  # This fails.

The last line fails with
---------------------------------------------------------------------------
RecursionError                            Traceback (most recent call last)
<ipython-input-23-25cc307e6227> in <module>
----> 1 cloudpickle.loads(cloudpickle.dumps(f))

~/anaconda3/lib/python3.6/site-packages/tensorflow/__init__.py in __getattr__(self, item)
     48
     49   def __getattr__(self, item):
---> 50     module = self._load()
     51     return getattr(module, item)
     52

~/anaconda3/lib/python3.6/site-packages/tensorflow/__init__.py in _load(self)
     42   def _load(self):
     43     """Import the target module and insert it into the parent's namespace."""
---> 44     module = _importlib.import_module(self.__name__)
     45     self._parent_module_globals[self._local_name] = module
     46     self.__dict__.update(module.__dict__)

... last 2 frames repeated, from the frame below ...

~/anaconda3/lib/python3.6/site-packages/tensorflow/__init__.py in __getattr__(self, item)
     48
     49   def __getattr__(self, item):
---> 50     module = self._load()
     51     return getattr(module, item)
     52

RecursionError: maximum recursion depth exceeded while calling a Python object

Interestingly, this succeeds with tensorflow==1.14.0, but I imagine keras has changed a ton in 2.0.
Workaround
As a workaround, you can try defining f in a separate module or Python file like
# helper_file.py

import tensorflow as tf

def f():
    tf.keras.Sequential

And then use it in your main script as follows.
import helper_file
import ray

ray.init(num_cpus=1)

@ray.remote
def use_f():
    helper_file.f()

ray.get(use_f.remote())

The difference here is that when cloudpickle tries to serialize use_f, it won't actually look at the contents of helper_file. When some worker process tries to deserialize use_f, that worker process will import helper_file. This extra indirection seems to cause cloudpickle to work more reliably. This is the same thing that happens when you pickle a function using tensorflow or any library. Cloudpickle doesn't serialize the whole library, it just tells the deserializing process to import the relevant library.
Note: For this to work on multiple machines, helper_file.py must exist and be on the Python path on each machine (one way to accomplish this is by installing it as a Python module on each machine).
I verified that this seems to address the issue in your example. After making that fix, I ran into
  File "<ipython-input-4-bb51dc74442c>", line 3, in play
  File "/Users/rkn/Workspace/ray/helper_file.py", line 15, in play
    action = actor.predict_classes(obs).flatten()[0]
AttributeError: 'NoneType' object has no attribute 'predict_classes'

but that looks like a separate issue.

A: See the GitHub response to this issue: https://github.com/ray-project/ray/issues/5614
All that needs to be done is import tensorflow in the function definition:
@ray.remote
def play(weights):
    import tensorflow as tf
    actor = tf.keras.Sequential([
        tf.keras.layers.Dense(64, input_shape=(24,), activation='relu'),
        tf.keras.layers.Dense(4, activation='softmax')
        ])
    actor.set_weights(weights)
    env = gym.make('BipedalWalker-v2').env
    env._max_episode_steps=1e20
    obs = env.reset()
    for _ in range(1200):
        action = actor.predict_classes(np.array([obs])).flatten()[0]
        action = env.action_space.sample()
        obs, rt, done, info = env.step(action)
    return rt


text:
The Promotion
Chapter 2 - Training
His hand hoovered for a second. The implications were obvious, the coercion - implied. He didn't have to play along with this. He looked at the other camera again - Mollie was as beautiful as ever, plump and delicious and with a plug up her bum. That was her choice. And this was his.
Jake typed 2 and pressed enter. The prompt flashed a brief confirmation message and faded away. For several seconds nothing happened. Mollie continued working as usual. No message was thrust in his face, no camera feeds lit up to call for his attention. Then his girlfriend took out her phone from her pocket, looked at it with a strange expression, then got up and left her desk.
He caught a few glimpses of her across several feeds as she made her way around the office building. An escalator door closed behind her as it went up, and then he lost track of her.
The camera showing the two sex toys was suddenly picked up and moved to the corner of the room, where it was placed with a view towards a large wooden desk. The feed grew larger and larger until it covered the entire screen. Then, there was audio.
There was a knock on the door and a man in a suit entered the frame and stepped to open.
Mollie's face was already showing tinges of red as she walked into the room. Jake could swear there were beads of sweat glistening on the exposed top of her big breasts.
"Hello, Mollie," said the man in the suit, "Are you ready to receive that promotion?"
She didn't dare to look up to him but just nodded, her blush growing by the second. With a single wave of his hand the plump girl walked over to the desc and bent over, placing her hands down and spreading her legs apart. Jake swallowed hard. She was not doing this for the first time.
Her boss came behind her and ran a finger up her thighs and under her skirt. He took a moment, savoring whatever he was doing, before pulling her panties down and lifting her skirt up. It gave Jake clear view of her plump ass and the anal stretcher that had been lodged inside her asshole, pushing it open. The man in the suit grabbed the base of the plug and pulled it out in a slow but decisive motion, stealing a moan from Mollie. Then he unbuckled his belt and pulled down his pants.
In that instant Jake understood what his girlfriend had meant. Tha man had the biggest and thickest dick he had ever seen on a white person. His monstrous cock, already erect and ready for action, looked a good 10 inches long and with a girth that was just as impressive.
Without skipping a beat, the boss placed it against the chubby girl's bottom and pushed forward. After 3 tries, he stepped back.
"It looks like you need further stretching."
Jake grounded his teeth. The sly dog was enjoying this. It's true that he was exceptionally big, much bigger than Jake, but the old man hadn't even lubed up. He wanted to get his fun with her before things ended.
"Worry not," the man continued, "I have just the thing to help you. After this I'm sure your ass will be ready."
He walked around the desk and sat on the chair on the other side, facing Mollie. Then he placed the long bulbous toy on the desk in front of her.
"Put this in," he ordered.
Jake could not see the glances they exchanged, only his smirk. Slowly, Mollie took the giant toy and placed it on the floor of the room. She hesitated for a moment.
"Here, have this," her boss said, tossing over a bottle of lube.
She squirted a generous amount on the top of the toy, then smeared it down the bigger spheres with her hands. As she was presently facing the camera, Jake could see her biting her lip as she coated the largest ones carefully.
When she was done, she squatted over the toy and pressed the tip to her asshole. The first sphere was small and went in easily, followed by the second and the third. Her butt swallowed the fourth greedily, showing the results of the last two days of stretching. The fifth, however, was a challenge.
Mollie began visibly straining, bouncing up and down as she tried to push the toy deeper into her ass. She would gain some ground only to have it slip out again, despite her best efforts.
"It's- it's too big, I can't!" she complained.
"You can," replied the boss. "You need to learn how to relax your ass. Then it will accept it in."
"I'm trying…" she wailed, puffing to got it in. It was the final sphere, and the biggest of the bunch. Jake was surprised she had managed to get this far so quickly. But this one was really a challenge.
Part of him wanted her to fail. It was too big for her. She should just admit defeat and get this whole thing over with. Perhaps that's why he'd chosen number 2.
The other part of him was edging in his seat with a raging boner. Seeing his chubby girlfriend try to stuff the enormous toy in her plump butt was a treat to behold. An absolute delight. It felt like retribution for the fact that she had agreed to sleep with her boss in the first place. Jake's built up frustration was turning into vindication. He licked his lips.
"Girl, do you want this promotion or not?" came her boss' voice from the desk.
"I'm doing what I can…"
"Yes or no, Mollie!" his voice cut.
"Yes, sir.." she whimpered.
"Good. You know, there is a knack to getting your ass to relax and stretch."
"There is?"
"Yes. It has to do with arousal. The more aroused you are, the more your muscles relax and are willing to allow things to enter you. Don't they teach girls anything these days?"
"I- I didn't know.."
"Such a naive girl you are, Mollie. It will be fun to train you. Go on now, touch yourself. You've wanted to for a while."
Her hand slowly moved down towards her pussy. The blush on her face was going redder by the second, but she went on anyways, beginning to rub her sweet spot.
"That's it, let the pleasure take you, ease yourself into it…"
She was rocking back and forth now, kneeling on the floor with one hand rubbing her pussy and the other easing the giant toy into her bum. It was a precarious position and she began to tip to the side, the light-headedness of the arousal coupled with the necessary motions making it hard to keep her balance.
Mollie's boss rose from his desk and walked to her, grasping a fistful of hair from the top of her head. It pulled her back up and gave her a point of stability that stopped her wobbling. Then he squeezed her jaw with his other hand and forced her face up to him.
"Enjoy stretching your bum for money, whore?"
She was frozen for a moment, visibly unprepared for this turn of events. He slapped her face.
"I didn't say you could stop touching yourself, slut."
Jake could see the moment's hesitation, her pride and lust battling each other as the plump girl's expressions shifted in the span of a few seconds. Then she bit her lip and her fingers started moving again.
Her boss reached down her big cleavage and pulled her tits out, one after the other. They looked especially big, pushed up by her bra. She looked up longingly. Her nipples were already hard and erect. The opportunity was ripe. The man in the suit pulled out his cock and let it hang half erect in front of her lips.Mollie opened her mouth and took it in, allowing her movements to be guided back and forth by the hand grasping her hair.
Jake realized he had begun stroking his cock. Maybe he was going to feel conflicted about this later, but right now he couldn't help himself.
As Mollie sucked more and more passionately, it seemed that the toy was finally starting to sink in. The final sphere was halfway up her round butt, the largest section almost swallowed by her asshole. Only a little bit was left now…
"Push it in, slut!" he ordered.
The girl on her knees moaned, rubbing her clit faster and faster, then pushed down with her entire weight.
Her asshole stretched, opened, and swallowed the billiard ball sized sphere into her butt, leaving just the flat base outside.
Her head was pushed forward, swallowing the fat dick all the way to the balls. She moaned, then started to swallow.
There was a moment of stillness, then Mollie's boss pulled, letting a thin stream of drool and cum drip down onto her hanging breasts.
"Tidy yourself and get back to work, slut," he ordered, returning to his desk.
It took her a moment to get back to her senses and a few more to pull up her panties, get to her feet, clean her tits with a napkin and put them back in her dress. By the end of all that Mollie was back, looking almost normal, save for her unusually round butt and the odd way she walked about.
"This should stretch you enough this time. Make sure to keep it in until next time we meet. Now get out of here."
She waddled out of the room, red as an oyster.
Jake closed the camera feed and exhaled heavily. That had been some show. He didn't know what to think or how to feel.
© 2019 Vincent Valensky. All rights reserved.
Hentai Foundry


text:
Bank of America Corp.
(Redirected from Bank of America Corp)
Brian T. Moynihan, CEO and Chairman
Bank of America Corp. (BofA) is one of the largest commercial banks in the United States by deposits and market capitalization. It suffered from the collapse of the U.S. sub-prime mortgage market but it has also become a financial leader on climate change and related environmental issues.
In September of 2008, BofA agreed to acquire Merrill Lynch in a $50 billion deal that would create a global financial-services company, renamed Bank of America Merrill Lynch. Under the terms of the transaction, BofA exchanged 0.8595 shares of its common stock for each Merrill Lynch common share.[1] BofA, along with a handful of other financial institutions, abandoned takeover talks with Lehman Brothers, putting the last nail in Lehman's coffin and forcing Lehman Brothers to declare bankruptcy.[2]
On Jan. 16, 2009, the U.S. Treasury agreed to invest $20 billion in BofA, for which it received preferred shares paying 8 percent. Treasury, the FDIC and the Fed would also partially insure $118 billion in troubled assets, mostly belonging to Merrill. In return, BofA had to give the government another $4 billion of preferred stock plus warrants.[3]
In October of 2008, BofA said it was ready to spend up to $8.4 billion to restructure the troubled mortgage loan portfolio of the mortgage lender Countrywide Financial, which it had recently acquired. The bank said in a statement the program was designed to help borrowers who financed their homes with high-risk subprime loans serviced by Countrywide.[4]
In August of 2011, it was announced that famed investor Warren Buffett's company Berkshire Hathaway would invest $5bn (£3.1bn) in Bank of America. News of the decision sent Bank of America's shares more than 25 percent higher.[5]
In September of 2011, Moody's downgraded Bank of America Corp., Wells Fargo & Co. and Citigroup Inc.[6]
The Justice Department on Dec. 21, 2011 announced a $335 million settlement with Bank of America Corp. over alleged discriminatory lending practices by its Countrywide Financial Corp. unit during the build up to the financial crisis of 2008. The settlement, the largest residential settlement of its kind in DOJ history, involved more than 200,000 qualified African-American and Hispanic borrowers and loans made to them between 2004 and 2008.[7]
In May of 2019 Bank of America said it would close 16 of its bank branches in the Chicago area, saying the move would help finance growth plans elsewhere in the market.[8]
1 Sale Of Mortgage Collection Rights
4 2007 Performance
5 Environmental Highlights
Sale Of Mortgage Collection Rights
It became known in January of 2013 that Bank of America was in talks to sell mortgage servicing rights on more than $300 billion of loans.[9]
Word was later that Bank of America looked to further reduce its portfolio and sell collection rights on at least another $100 billion of mortgages.[10]
U.S. bank also announced about $11.6 billion of settlements with government mortgage finance company Fannie Mae to end allegations the bank improperly sold mortgages that later soured, and to resolve questions about foreclosure delays.
BofA has evolved through aggressive acquisition over the past decade to become a dominant financial powerhouse in the U.S. and abroad. BofA is the U.S.'s biggest retail bank by branches, with over 6,100 locations in 30 states following buy-ups closed in 2007.[11]
BofA first became the country's largest bank by customers and accounts in 2003 when it paid $48 billion for FleetBoston Financial.[12] It became the largest credit card issuer after snapping up MBNA for $35 billion in 2005. And although BofA still trails Citigroup in assets, it overtook its rival in market capitalization for the first time ever after Citigroup announced a massive earnings write down late last year.[13]
Following an Apr. 29, 2009 shareholder meeting and an extended vote count, Ken Lewis was out as chairman, though he remained president and chief executive, as shareholders narrowly approved a resolution requiring an independent chairman. Walter E. Massey, a longtime board member and president emeritus of Morehouse College in Atlanta, was elected chairman. All 18 board members, including Lewis, were reelected.[14] In 2010, Brian Moynihan, who joined Bank of America in 2004 following the merger with FleetBoston Financial, became the bank's fifth CEO.
BofA took a major financial hit in 2007 through its $2 billion investment in Countrywide Financial, America's largest mortgage company, which was also heavily exposed to the slumping sub-prime mortgage market. According to its 2007 annual report, [15] BofA's revenue declined almost 8 percent to $68.1 billion from $73.8 billion one year prior. And although assets rose over that period from $1.46 trillion to $1.72 trillion due to acquisitions, BofA's return on equity (ROE) plummeted more than 30 percent from 16.27 percent in 2006 to just 11.08 percent in 2007.
Environmental Highlights
Although a forgettable year for its shareholders, 2007 was nonetheless something of a green-letter year for BofA's growing environmental status. BofA first broke through as the U.S. financial-industry leader in reducing greenhouse gas (GHG) emissions in 2004.[16] Then the bank announced it worked with the Rainforest Action Network (RAN) to both reduce its own GHG output and tighten investments in projects that destroy unique environments. BofA joined the Pew Center Environmental Leadership Council in late 2006.[17]
In 2008, BofA decided to phase out financing for companies practicing mountaintop removal coal mining, a destructive and controversial method of coal extraction.[18]
The bank announced in March 2007 that it would finance $20 billion in "environmentally-sustainable business activity" over the next 10 years, committing $18 billion to help customers finance new green technology and the remainder to cutting its own corporate GHG emissions.[19]
Bank of America also announced in mid-2007 that it would invest $25 million in the British company Climate Exchange, which operated several global trading platforms for climate-based instruments like carbon offsets. It also agreed to purchase 500,000 tons of carbon-emission permits from the Chicago Climate Exchange over three years. But BofA backed out of both those two deals in early 2008, saying it did not need the partnership to achieve its aims.[20]
In February of 2010, the U.S. Securities and Exchange Commission (SEC) said it had filed a motion seeking court approval of a proposed settlement whereby Bank of America Corp. would pay $150 million and strengthen its corporate governance and disclosure practices to settle SEC charges that the company failed to properly disclose employee bonuses and financial losses at Merrill Lynch before shareholders approved the merger of the companies in December 2008.[21]
Bank of America ousted John Thain as head of global banking, securities and wealth management in January 2009 when BofA discovered surprise losses at the brokerage from mortgages and toxic debt. Thain engineered the sale of 95-year-old Merrill Lynch & Co. to Bank of America Corp. He was replaced by BofA General Counsel Brian Moynihan.[22]
In April 2008, BofA put more pressure on the U.S. environmental marketplace by adopting lending guidelines called the Carbon Principles, aimed at encouraging utilities to explore financing alternatives to coal-fired power.[23] The principles were devised earlier in 2008 by J.P. Morgan Chase, Citigroup and Morgan Stanley and are expected to increase the use natural gas as a coal alternative for power generation.[24]
↑ Bank of America agrees to buy Merrill Lynch. Phoenix Business Journal.
↑ Lehman Files Biggest Bankruptcy Case as Suitors Balk. Bloomberg.
↑ Mugging Bank of America. The Wall Street Journal.
↑ Bank Of America Says To Spend Up To $8.4 Bln On Countrywide. AFB.
↑ Warren Buffett invests $5bn in Bank of America. BBC.
↑ Financial stocks tumble on Moody's bank downgrades. MarketWatch.
↑ U.S. in $335 mln settlement with B. of A.. MarketWatch.
↑ Bank of America giveth and Bank of America taketh away. Crain's Chicago Business.
↑ BofA to sell $300 billion in mortgage service rights: sources. Reuters.
↑ Exclusive - Bank of America to sell rights on $100 billion in mortgages: sources. Bank of America.
↑ Bank of America. Hoovers.com.
↑ Bank of America Corp.. New York Times.
↑ BofA tops Citigroup in market capitalization. Charlotte Business Journal..
↑ Lewis Out As BofA Chairman, Remains CEO. Business Week.
↑ 2007 Annual Report. Bank of America.
↑ New Bank of America Policy Sets Best Practice on Climate Change in US Bank Sector. SocialFunds.com.
↑ Bank of America Joins Pew Center's Business Environmental Leadership Council. Pew Center.
↑ Bank of America Decision to Stop Funding Mountaintop Removal a Victory for Appalachia and Anti-Coal Movement. Rainforest Action Network.
↑ Bank Of America Joins Pew Center's Business Environmental Leadership Council. Bank of America.
↑ Bank of America pulls out of Climate Exchange deal. Reuters.
↑ SEC Seeks Approval of $150 Mln Payment From Bank of America. Bloomberg.
↑ Thain ousted from Bank of America amid losses. Washington Post.
↑ Bank of America to Announce Adoption of The Carbon Principles at Natural Resources Defense Council's Tenth Annual Award Event. Bank of America.
↑ Bank of America: More Heat on Coal. WSJBlog.
Retrieved from "http://www.marketswiki.com/wiki/index.php?title=Bank_of_America_Corp.&oldid=216765"
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Book Review: The Merchant's Daughter by Melanie Dickerson
December 23, 2011 Carol Moncado
The Merchant's Daughter and The Healer's Apprentice are currently available for 1.99 on Kindle and Nook!
Merchant's Daughter: Kindle Nook
Healer's Apprentice: Kindle Nook
First, I do need to say that Mellie* is a friend of mine. I adore her and am so very, very glad we got to meet at conference a few months ago! She is a wonderful encourager and has been a great help in keeping my sanity the last few weeks. That said, I wouldn't be posting this review if I didn't absolutely believe in what I'm saying. I won't fake a review for a friend, though I would tell them privately what I didn't like.
So… Mel writes fairy tale adaptations and this one** is the story of beauty and the beast.
From the back of the book:
An unthinkable danger.
An unexpected choice.
Annabel, once the daughter of a wealthy merchant, is trapped in indentured servitude to Lord Ranulf, a recluse who is rumored to be both terrifying and beastly. Her circumstances are made even worse by the proximity of Lord Ranulf's bailiff—a revolting man who has made unwelcome advances on Annabel in the past.
Believing that life in a nunnery is the best way to escape the escalation of the bailiff's vile behavior and to preserve the faith that sustains her, Annabel is surprised to discover a sense of security and joy in her encounters with Lord Ranulf. As Annabel struggles to confront her feelings, she is involved in a situation that could place Ranulf in grave danger. Ranulf's future, and possibly his heart, may rest in her hands, and Annabel must decide whether to follow the plans she has cherished or the calling God has placed on her heart.
Annabel is spunky. She does what she has to both to save her family from further humiliation and to protect herself from a fate worse than Lord Ranulf.
Lord Ranulf is described as a beast of a man. At least at first. He is scarred. Wears an eye patch [though he's no pirate]. One arm doesn't work quite right.
But underneath the rough exterior beats a gentle heart, one determined to see only good for the people now under his care. That means protecting Annabel and the others from those who would hurt them.
Annabel feels the best place for her would be a nunnery. But in the 14th century, you have to have money to become a nun. Her father would likely have sent her, but after his death she is encouraged to give up that dream, though she never does. More than anything she wants to read the Bible for herself, going so far as to ask her local clergyman to borrow his. Except he doesn't even have a Bible of his own. She wonders if that means his teachings about how all women are inherently wanton and tempt men merely by existing are even true.
But Lord Ranulf le Wyse needs more than just help in the kitchen. He needs someone willing to read his Bible to him.
Enter Annabel.
As she reads to him and helps doctor a wound he receives when an unknown perpetrator tries to run him out of town, she discovers what a good, kind man he is. And how he's been hurt in the past. By his late wife. By people who can't see past his scars. By life in general.
But even though Annabel has come to accept him, the danger to her, and to Lord Ranulf, is far from over. They must work together to overcome the prejudices of the townspeople to protect both of them. In the end, will Annabel choose to take an unexpected opportunity to join the nunnery? Or will she accept the Lord has placed a different desire in her heart?
I absolutely loved this book. Melanie brought the 14th century to life for me! I loved her characters [except the ones I wasn't supposed to like ;)]. This is one that will go in my personal collection and be reread and recommended over and over again. And not just because I love Mel!
The only thing that… bugged me is a bit strong, but for lack of a better term, bugged me is that officially, The Merchant's Daughter is a young adult book. As such, the language [as in the words chosen not like… cursing] is a bit younger in places than I'm used to. Some descriptions etc were a bit… overly simplistic compared to what you might see in a book for adults. That's not to say she writes down to young adults or anything, just a bit of a stylistic difference between YA and 'adult' books. That's the only thing lowering my rating. I'd love to see Mel write a book for grown-ups and compare. That and a bit of room to grow ;).
I would LOVE to see other adaptations by Mellie – like the Snow White and Cinderella ones she's mentioned to me in the past!
Overall: 9 out of 10 stars
Did I say 'love' enough in this review? 😉
Thanks to Melanie and Zondervan for a free influencer copy to review.
*Apparently, no one calls her Mellie. I dunno where I first got that. But she said I can ;).
**Her first book, The Healer's Apprentice, is an adaptation of Sleeping Beauty.


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Givers
From 1 to 100%: A couple's journey of increasing generosity
Sheila Dolinger
October 20, 2021 / Giver stories
Maybe it's the resiliency he learned growing up as an Army brat or the sense of adventure he developed living in Alaska. Roy Mullen is a man who's not afraid to take a risk – in business or in generosity. Learn how his first investment – and a simple giving commitment made with his wife, Joyce – paid off big for the causes they care about.
In the late 1970s, Roy was running his own typewriter business when he saw the computer-generated typewriting on the wall. With the personal computer market beginning to explode, he knew that he had to pivot quickly into a new business. "That's when we bought our first apartment complex," Roy says. "Joyce and I refinanced our house, pulled money out, and partnered with Joyce's brother to come up with the money. That's how we made our first real estate investment."
Much to their surprise, that initial deal led to more very quickly, and soon they had five properties in their portfolio. "We weren't even looking to buy. The deals came to us," Roy says. "Back in those days, the sellers would offer private financing and we didn't even have to get bank loans. We believe that God had a hand in it because we could never have qualified for bank loans to buy those properties."
As their real estate holdings were growing, so was their desire to be more generous. It was in a Bible study at church that Roy heard a statement that changed his outlook on giving. "What's wrong with living a comfortable life and giving everything else to the Lord?" the man asked.
"That comment just stuck in my brain," Roy says.
Then, Roy's next-door neighbor also made a pivotal suggestion. "My neighbor brought up the idea of giving more each year," he says. "I can't remember if he used a percentage, but I came home and talked to Joyce. We didn't have a lot of money, but we made a commitment to give away 1 percent more of our gross income every year."
In the following years, Roy and Joyce kept their commitment. Then, in 2018, a new challenge arose. "A buyer approached us with a high number that we could hardly believe, so we ended up selling two apartment complexes," says Roy. "Then, I was left trying to figure out how I was going to pay a million dollars in taxes from the sale. I don't mind paying taxes, but I'd rather give it to God's kingdom."
To find a solution, Roy attended a financial seminar at church. After the speaker heard his dilemma, he suggested that Roy call his local National Christian Foundation (NCF) team in Portland. So, Roy and his CPA met with the charitable gift planning team. Together, they determined that a smart strategy would be donating another piece of investment property to his NCF Giving Fund. This non-cash gift of real estate would give him a charitable-tax deduction that he could use in the year he needed it and carry forward for an additional five years.
"I got a million dollars in tax deduction by donating a property that had appreciated over the years to $3.5 million, which was much, much more than we paid for it. And it just so happened that it was the first apartment complex that we ever bought. So, we ended up donating our first fruits back to God's kingdom. That's truly a God thing."
In 2020, Roy and Joyce maximized their giving even further. They used a special provision in the CARES Act, available only in 2020 and 2021, that allows charitable deductions of cash contributions to most charities up to 100 percent of adjusted gross income. "And we're in a position to do that,'" Roy says.
This type of all-in giving has been a source of great joy for Roy and Joyce. "I don't think people understand the joy that comes from giving. They give their 10 percent because they have to, and we were in that spot at one time, too," Roy says. We gave our 10 percent and tried to increase it one percent over time, but now God has multiplied our resources to give away 100 percent!"
He adds, "We're excited to be able to give significant matching grants that encourage others in their generosity and multiply our impact for the causes we love like Young Life and strengthening marriages. We were also able to help our church make an impact in our community this year when COVID hit and many people were in need."
"It blows me away when I'm sitting here looking at our Giving Fund on my computer and I see how much God has given us to give. It's like Christmas all year long, just giving gifts away," Joyce says.
If you want to learn how you maximizing your resources is a key component of an intentional Giving Strategy, visit ncfgiving.com/strategy or start a conversation with an NCF team near you.
With 20 years of experience as a brand journalist, Sheila Dolinger writes on a variety of topics from her home in Atlanta, Georgia. When she isn't busy embarrassing her teenage kids on social media, she mentors underserved youth through a local creative writing program.
Building a world of hopefuls: Jeff Rutt's story
117 pairs of shoes: Generosity is for everyone
When your mistake becomes your mission
Business for generosity: 5 benefits of turning your business into a "giving engine"
A generous business goes on mission
A "drop-kick easy" decision to give while living and see the joy
How a rental property funded a mission of hope
Giving can bring your family together
Using real estate as an engine for giving
The humility behind anonymous giving
Video: The business gift that led to a "giving high" (Clyde Lear)
This family uses their business and their Giving Fund to share generosity with others
How a shared passion for Africa is healing a family
The genesis of giving collaborations
Janice Munemitsu: Sharing the freedom of a generous life
You're never too young to be generous: Here are 7 ways
Investing in Black charities: 5 principles for giving across racial lines
A father's journey: From chasing commissions to pursuing purpose
Hope is a hot meal
Video: "Love thy … employee?"


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Sunny Isles Beach offers the best of both worlds…It's a small town with all the traditional conveniences and friendliness, but it also has the sophistication of Miami and the sun & fun of being on the beach. Those who visit hate to leave, and those who live here wouldn't leave for anything. Sunny Isles Beach is finally coming into its own by making itself over into a younger, more affluent community. These great changes have brought a balance between old and young, between native born and foreigner that will attract even more residents for years to come. New luxury condo developments, restaurants and shopping have brought an appealing dimension to the quality of life here.
Sunny Isles Beach Real Estate may be the best investment property available in the state of Florida. Sunny Isles is located on a barrier island in the northeast corner of Miami Dade County with very limited space. To its east is the great Atlantic Ocean and to the west is the Intracoastal Waterways of Biscayne Bay. The tiny enclave of Golden Beach is to the north and Haulover Park is to the south. The City is midway between Miami and Fort Lauderdale and offers easy access to Miami International and Ft. Lauderdale + Hollywood International Airports.
Ranked as Trip Advisors #1 Travel Destination 2008, Sunny Isles Beach is bordered by Golden Beach, Aventura and Bal Harbour which makes it a location destination being a central waterfront community. With Ocean and Intracoastal Waterway views, Sunny Isles real estate offers a great multitude of scenery. What used to be a quiet stretch of beach with small oceanfront hotels has quickly become the new "Millionaires Row" of Miami.
Sunny Isles real estate is changing dramatically with new luxury oceanfront high rises such as Porsche Design Tower, Jade Signature, Chateau Beach and Regalia quickly taking the place of the old low-rise hotels that used to line the strip. This city has seen incredible growth in the last decade and continues to set new records for Southeast Florida. New Sunny Isles condos in this premier location, as many locals will confirm, have a very bright future ahead of itself.
When the Haulover Bridge was completed in 1925, the area became accessible from Miami Beach, attracting developers who widened streams, dug canals and inlets and created islands and peninsulas for building waterfront properties on Biscayne Bay. In 1936 the Sunny Isles Pier was built and soon became a popular destination. In 1982 the half mile long pier was designated a historic site. It is still used by fishing enthusiasts and sightseers today and when visiting, you must try the catch of the day at the locals restaurant. Sunny Isles slowly developed until the 1950's when the first single family homes were built in the Golden Shores area. During the 1950's and 1960's more than 30 trendy motels sprang up along Collins Avenue including Ocean Palm, the first two story motel in the United States. Tourists came from all over to vacation in themed motels of exotic design along "Motel Row." Over the next decade, tourists from Russia, Europe and North America, flocked to Sunny Isles hotels and motels attracted by favorable exchange rates and value for money accommodation. New mid and high rise multifamily buildings were constructed adding to the residential options in Sunny Isles real estate.
Today Sunny Isles is still home to the legendary pier from 1936 and is one of our city's major landmarks. The City of Sunny Isles and the owner of The Newport Beach Resort have recently restored the Sunny Isles pier from prior hurricane damage. It is open to the public and a great stop to walk down and explore the coastline views! Millions of tourists have visited the pier and fished from base.
The Beatles were among noted visitors to Sunny Isles, cavorting at the Castaways Motel's famed Wreck Bar on Collins Avenue (State Road A1A) just south of Sunny Isles Boulevard (The Castaways Motel was demolished in the 1970's and Oceania Towers, the first luxury condominium complex in Sunny Isles, was constructed on the site in the 1990's.) The popular oceanfront community gained many new residents both year round and seasonal as condominium communities such as Winston Towers and Arlen House were built in the 1970's. In 1997, the citizens of this area voted to incorporate as a municipality, thus putting the city on the map as a highly desirable oceanfront community. In fact, no less than New York based real estate mogul Donald Trump took a look at the offerings of Sunny Isles Beach and pronounced himself pleased. "I have always loved the location and over the past few years it's become the hottest place in Florida," Donald Trump. He and a local developer, Gil Dezer, partnered to build luxury condo towers on Sunny Isles Beach known as Trump Grande including the Trump International Beach Resort (2003), Trump Palace (2006) and Trump Royale (2009).
New Sunny Isles developments have now increased the city tax base, which should be around $5+ billion at the start of the decade. New roadways are being planned and City facilities have been upgraded, with the targeting of a $4.5 million refurbishing that include new brick sidewalks and the planting of new palm trees. There are now a number of Oceanside parks offering everything from quiet relaxation to playground equipment for children and picnic areas.
Being adjacent to wealthy communities is not an issue in terms of safety. The City of Sunny Isles is known for its outstanding police force which emphasizes community policing and high visibility, boasting an average response time in less than 2 minutes. Its marine patrol boasts The Grey Pearl, a 25 foot police vessel ensuring security and safety on the Intracoastal waterways. With the influx of younger families, often with children, the City of Sunny Isles shifted gears in another area. The new school of Sunny Isles Beach has opened in August 2008 in cooperation with Miami Dade Public Schools featuring A-Rated Kindergarten through 8th Grades. The Sunny Isles School features a 4 story classroom building, a 2 story administration building, media center, cafeteria and auditorium. This school is capable of accommodating the increasing number of school aged children living here permanently. Adding to the educational environment, there is a new 7,500 square foot library at City Hall and major City improvements including parks, events and more.
At 1,043 acres, the Oleta River State Recreation area is the state's largest urban park. Once home to Tequesta Indians and US troops, the park now provides plenty of recreational opportunities beyond it's gate for South Floridians. Miles of nature lines paths are perfect for mountain bikers. Canoes and kayaks can be rented and paddled through the Oleta River. Barbeque grills and covered pavilions offer ideal picnicking spots. Air conditioned cabins even encourage overnight stays. However, one unexpected element lurks deep within the park, a beach. A small stretch of sand welcomes bathers to take a quiet dip in Biscayne Bay. The Oleta River State Park is located at 3400 NE 163rd Street just off of Collins Avenue in Sunny Isles Beach. Sunny Isles Beach offers an array of other amenities for outdoor living and playing. It has nearly two and a half miles of uninterrupted clean sandy beaches and ocean access. Water sports such as fishing, boating and sailing are just the basic options. Tennis, jogging, dining and simply relaxing outdoors all provide more ways to enjoy this South Florida casual lifestyle.
With these increased leisure activities, an increasing population, increasing tax basis and a steady increase in property values comes an increase in sophistication and cultural offerings. Many of the new residents are European, Russian or South American and they bring with them entirely different cultures. More restaurants and shops have opened offering new world cuisines and the dining experiences are endless.
A fairly large number of permanent residents live here year round with 20,000 as locals giving room to nearly 1 million annual visitors to stretch out and enjoy the beaches. Sunny Isles Beach is also located just over the bridge from great shopping. Those who visit take advantage of high end shopping at Aventura Mall, just across the causeway in Aventura plus the Bal Harbour Shops, in nearby Bal Harbour. Credit the fun shopping with ease of transportation as residents have access to the free Community Shuttle buses, which pick up and drop off passengers at major points throughout Sunny Isles Beach.
The history of Sunny Isles Miami is still being written.. It's a great time to come to Florida's Riviera and become a part of it!