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Advantages Disadvantages Watching Tv Advertisements Essays and Term Papers
489 Essays on Advantages Disadvantages Watching Tv Advertisements. Documents 1 - 25
The Advantages and Disadvantages of Tv
The Advantages and Disadvantages of TV 13152219 葛亚妍 Nowadays, television is playing an increasingly significant role in our lives and becomes more and more indispensable. However, in the meantime, people are being unsure whether it is good or not. When it comes to television, the first word occurs to our mind must be amusement. Exactly, we could be relaxed when watching TV. And by watching TV, we can get a lot of information and always
Submitted: May 24, 2016 By: Vineyard
Bureaucracy in Organization: Advantages, Disadvantages
The importance of organizations in modern economy and development of new and large organization are facts that make the issues like efficiency and control on the centre of attention in different social sciences . Efficiency in organization is directly linked with its organizational system. This essay firstly will review the characteristics of bureaucracy in organization on base of classical theory. Secondly it will outline the advantages and disadvantages of bureaucracy by focus on Weber's bureaucratic
Submitted: November 20, 2009 By: David
Does Watching Tv at an Early Age Cause Attentional Problems?
Does watching TV at an early age cause attentional problems? The article I read discussed the results of a developmental research study conducted by Dr. Dimitri Christakis. The article explains that Dr. Christakis, a pediatrician at Children's Hospital in Seattle and a professor at the University of Washington, believes that television viewing at early ages, when the brain triples in size, may be harmful to a child's development. In 2004 Christakis helped conduct a study
Submitted: November 25, 2009 By: Mikki
Advantages/disadvantages of Rev. War
There are advantages and disadvantages in every war that can either be minute details or change the whole course of the war. In the Revolutionary war, there were many advantages and disadvantages of either side. America and Britain both had different things working for them or against them, many of these things were very significant by the end of the war. Although both sides had various advantages and disadvantages, America's advantages outweighed those of
Submitted: December 3, 2009 By: Jack
Data Marts Advantages & Disadvantages
Data Marts Advantages The implementation of data marts enable users to gain faster access to common data utilizing a technique called dimensional data modeling, which optimizes data for reports. For example, since data is prepared in common format, users with little or not training at all, can browse a data mart and obtain information as needed. Data marts can improve end user response time, as it contains raw data which allows computer systems to focus
Submitted: December 11, 2009 By: Jon
Controversial Tv Advertising
Many parents today have to screen what their children watch on television (TV), due to the amount of inappropriate TV advertising. Unfortunately, parents do use the TV as a babysitting tool in order to get household duties finished as well as to get alone time. A mother in California states, "I will agree to a certain amount of time for TV viewing and then get busy and distracted by other things. Before I know it,
Submitted: December 31, 2009 By: Mike
The Advantages Technology Has Given Us Outweigh the Disadvantages
Many argue that as we venture further into the frontier of technology we proceed with a slow death of society, by losing culture and ultimately a sense of self. To a certain extent this may be true, but realistically if we cease to progress we wont be able to survive. (Robert) There are many examples of advantages and disadvantages some mentioned were " Technology has the ability to create shortcuts in working and can make
Submitted: December 1, 2008 By: Jessica
Advantages and Disadvantages of Incorporating a Business
The Advantages and Disadvantages of Incorporating a Business In order to mention all the advantages and disadvantages of incorporating a business, first I should try to explain what a corporation is. In 1819, Chief Justice Marshall of the United States Supreme court said: " A corporation is an artificial being, invisible, intangible, and existing only in contemplation of the law." In the Webster's College Dictionary corporation is defined as "an association of individuals, created by
Submitted: December 4, 2008 By: Tasha
Computer Advantages and Disadvantages
Computer – advantages and disadvantages Almost every home, office, or school has a computer of some kind these days. It may seems at first that having a computer brings only benefits, but further consideration shows that it also has disadvantages. First of all computers are very useful at school. It helps students to revise for tests or exams and makes subjects more interesting. Pupils can also learn new vocabulary and gramatic structures. Furthermore it allown
The Advantages and Disadvantage of Starbucks
What are the advantages and disadvantage of Starbucks degree of vertical integration and channel expansion? Vertical Integration is a kind of company that controls all of the process of production. Advantage • Starbucks retains their brand competence by controlling all the process of production by themselves which starts from growing the coffee plant, selecting the coffee nut, roasting the nut, grinding the nut until mixing with ingredients and become a cup of coffee and also
Submitted: November 14, 2009 By: Bred
Advantages and Disadvantages of Historical Cost Accounting, Alternatives to Historical Cost Accountingadvantages and Disadvantages of Historical Cost Accounting, Alternatives to Historical Cost Accounting
Advantages and disadvantages of historical cost accounting, alternatives to historical cost accounting 2.1 Introduction Accounting concepts and conventions as used in accountancy are the rules and guidelines by which the accountant lives. The historical cost accounting convention is an accounting technique that values an asset for balance sheet purposes at the price paid for the asset at the time of its acquisition. The historical cost accounting is the situation in which accountants record revenue, expenditure
Submitted: November 15, 2009 By: Steve
Advantages and Disadvantages of Historical Cost Accounting, Alternatives to Historical Cost Accounting
Submitted: November 16, 2009 By: Yan
What Is Mutation? What Is a Gene Mutation? Discuss Sickle Cell Anemia (its Cause, Effect, and Treatment) B) What Are Mutagens and Their Effects? C) What Is Genetic Counseling? Discuss the Advantages and Disadvantages of This Procedure.
A mutation can simply be put as abrupt change in the genotype of an organism that is not the result of recombination. A gene mutation is a permanent change in the DNA sequence that makes up a gene. Mutations range in size from a single DNA building block (DNA base) to a large segment of a chromosome. Gene mutations occur in two ways: they can be inherited from a parent or acquired during a person's
Submitted: November 16, 2009 By: Jon
Advantages and Disadvantages of Hstorical Cost Accounting
Advantages and Disadvantages of Hstorical Cost Accounting Advantages and disadvantages of historical cost accounting, alternatives to historical cost accounting 2.1 Introduction Accounting concepts and conventions as used in accountancy are the rules and guidelines by which the accountant lives. The historical cost accounting convention is an accounting technique that values an asset for balance sheet purposes at the price paid for the asset at the time of its acquisition. The historical cost accounting is the
Competitiveness - Its Advantages and Disadvantages
Introduction The world economy has entered an era of total competition. Traditional barriers have begun to fall, new-sophisticated competitors have emerged, and global rivalry increased. There are many examples around the world where the traditional sources of comparative advantage are less valuable than initially perceived for the development of a strong, competitive economy. The new type of development is one that involves the whole market and all institutions in the economy. Productivity is that
Submitted: November 27, 2009 By: Max
The Advantages and Disadvantages of Outsourcing
What are the advantages and disadvantages to outsourcing in the global marketplace? In these times of great globalization where many countries have erased their borders when it comes to trade outsourcing has become an option for many companies. Whether or not to outsource is a key question that companies must consider. According to the Pros and Cons of Outsourcing, "The decision to outsource or not is a matter of finding the right balance-the balance between
Submitted: November 27, 2009 By: Janna
Advantages and Disadvantages of Modern Technology
Advantages and disadvantages of modern technology. Technology can be defined as science applied to practical purposes. Nowadays, when the rapidness of development and research is so impressive, it is easy to think about the advantages of modern technology. Nevertheless some people argue that science can destroy mankind. It is also obvious that we are close on an era where technology is limited only by our imagination. Therefore the most frequently asked question is: Does technology
Submitted: November 29, 2009 By: Wendy
Advantages and Disadvantages of Vertical Integration
ADVANTAGES OF VERTICAL INTEGRATION It leads to reduction of transportation costs as the common ownership results in closer geographic proximity. The transaction costs can be controlled if a firm acquires the other firms in the vertical chain, then one division of the same company will transfer goods to other divisions. So, transaction costs in form of transport, cost of negotiation, cost of control etc. will be eliminated. The overall average cost of the firm will
Submitted: December 2, 2009 By: Bred
Globalization Advantages and Disadvantages
What Is Globalization? Globalization means increasing the interdependence, connectivity and integration on a global level with respect to the social, cultural, political, technological, economic and ecological levels. Globalization is a process of interaction and integration among the people, companies, and governments of different nations, a process driven by international trade and investment and aided by information technology. This process has effects on the environment, on culture, on political systems, on economic development and prosperity, and
Submitted: December 2, 2009 By: Mikki
Discuss the Advantages and Disadvantages, to the Participating Countries and the Rest of the World, of Forming a Free Trade Arrangement. China, Japan and Korea Are Now Undertaking Preliminary Research into the Formation of a Free Trade Area. Within China,
With the lowest integrated level in regional economic integration, Free Trade Arrangement (FTA) is applied most frequently, accounting for almost 90% of regional integration. (Hill 2007) Theoretically, all trade barriers both tariffs and non-tariff ones are eliminated in an ideal FTA. However, each member countries are free to determine independent trade policies against nonmember countries. (Hill 2007) Currently, the number of free trade arrangements is proliferating. FTA spread almost all over the world with the
Submitted: December 11, 2009 By: Top
Advantages and Disadvantages of Participative Budgeting
Advantages and Disadvantages of Participative Budgeting Participative Budgeting is the situation in which budgets are designed and set after input from subordinate managers, instead of merely being imposed. The idea behind this sort of budgeting is to assign responsibility to subordinate managers and place a form of personal ownership on the final budget. Nearly two decades of management accounting research has resulted in equivocal findings on the consequences and effects of participative budgeting (Lindquist 1995).
Submitted: December 12, 2009 By: July
Advantages and Disadvantages of Technology
Advantages / Disadvantages of Watching Television Hope someone kind will read my essay and fix my grammatical errors. Nowadays, television has become the most popular media of human kind. It's also the indispensable device in our daily life. By watching TV , we can see many things happened in the surrounding us world , therefore it help us to catch and avoid being dropped back from the world of information. Everyone must agree that the
Advantages and Disadvantages of Principles-Based Accounting
What are the advantages and disadvantages of principles-based accounting? Perhaps the primary benefit of principles-based accounting rests in its broad guidelines that can be applied to numerous situations. Broad principles avoid the pitfalls associated with precise requirements that allow contracts to be written specifically to manipulate their intent. A 1981 study sponsored by FASB found evidence that managers purposefully try to structure leases as operating leases to avoid incurring additional liabilities. Providing broad guidelines may
Submitted: December 22, 2009 By: Anna
Automated Customer Service: Advantages Outweigh Disadvantages
Automated Customer Service: Advantages Outweigh Disadvantages The marketplace in the world today is more competitive than ever before. Businesses are trying to increase profits and lower operating costs. Stockholders are insisting that companies make money, thus increasing their stock portfolios. Consumers are busier than at any point in the history of man. They work longer hours and try to squeeze more extracurricular activities into their evenings. Into this arena has come the automated customer service
Some Advantages and Disadvantages of Information Technology
Some advantages and disadvantages of information technology Before we can know about all the advantages and disadvantages of information technology, it is essential that we know what information technology is exactly, and why it has it come to play such a important role in our daily lives. Today information technology involves more than just computer literacy; it also takes into account how computers work and how these computers can further be used not just for


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In another instance demonstrating the interconnectivity of people's bodily systems, a study about eye problems has led to an observation about kidney disease. The Beaver Dam Eye Study, according to their own description, was designed to "collect information on the prevalence and incidence of age-related cataract, macular degeneration and diabetic retinopathy." But along the way, they also drew some conclusions about how disease of the kidneys, along with high blood pressure, can also affect the eyes.
Retinopathy, or the disease of the retina causing possible loss of vision, has always been associated with diabetes. But the researchers with the study learned that even those without diabetes can be at higher risk of retinopathy, if they have certain other health conditions. One was uncontrolled hypertension (high blood pressure), and the other was chronic kidney disease.
In 4,699 people between ages 43 and 86 (remember that this was an age-related study), the risk of experiencing retinopathy over a 15-year period was 14.2%. And in those study subjects who had either uncontrolled hypertension or chronic kidney disease, the risk of such negative effects on the eyes increased. That applied to subjects who were not diabetic, so the extra risk cannot be blamed on diabetes. In fact, several other things that one might have considered a real risk did not seem to factor in at all. These would include such things as smoking, body mass index (which would rule out obesity), or inflammation.
These interconnections shouldn't be a surprise. Hypertension and kidney disease often do interact, and diabetes frequently involves extra complications such as high blood pressure and strain on the kidneys. People don't always experience all three at the same time, but they are clearly related to each other. So it's probably not a surprise that retinopathy – which is a very high risk for diabetics – can also factor into hypertension and kidney disease as well.


Our daughter Líadán "My baby was never disposable. She was always going to be mine."
Lillie Coonan Lillie, I am hoping you will never forget me. My beautiful angel; you are mammys special star.
Mo Leanbh Beag I will always have that relationship with Andrew; the shape of him is carved in my heart and that will be there forever.
Ours for a while John Paul Johnson lived for seventeen minutes after birth, surrounded by his family and those who loved him. He was theirs for a time.
Simeon Byrne Simeon Byrne was diagnosed with Hydoplastic Left Heart Syndrome (HLHS) while in the womb and his parents were told he would last maybe up to 3 days after birth.
Clodagh McGill She was never, ever left on her own. One of us was always with her. She brought nothing but joy, nothing but love.
My baby girl Jasmine \\\"I never thought I\\\'d ever cope again or get through it, but as the old saying goes time is a great healer, and I\\\'ve learned to live with it.\\\"
Elaine She has touched so many people. I now know happiness comes from caring and sharing with others.
Eliot - Our Survivor We continue to fight fear. We continue to hope. We continue to laugh and experience joy. We continue to savor each moment with our son.
Little Miss Firecracker! Lilly is 1 month and 8 days old today. Thank you God! To us every day that Lilly lives is such a blessing.
Faith and Hope I was holding her in my arms when she passed away. Her facial expression looks so happy and peaceful. God is good.
Victory in Christ Amidst many prayers and tears, we lived moments of great joy during my pregnancy, seeing our little daughter grow and kick my belly everyday, answering to our voice and touch.


I think you get the picture. I won't complain though, it's good to be busy!
Busy means progress and progress is needed to reach our goals. The sails are set for success and we are cruising towards the big dream, which is slowly starting to show it's pretty face in the horizon.
Let's move on to the numbers to see how much my investments brought in.
"Income from investments" in February was 1.340,37€.
That means I'm 44,68% Financially Free (down 5,07% from last month).
"Income from Crowdlending" in March was 668,37€.
(-152,15€ less than last month).
"Crowdlending (except Bondora)" reached 977,65€.
What caused the 5% drop?
When a project is completed it takes a few days to reinvest the principal. This causes a small drop in the interest earned in the following month. Next month's earnings will be higher because everything will be invested again.
A negative month on Bondora as usual.
I withdrew another 2.000€ so total withdrawn amount is now 12.000€ out of 26.100€ invested. I still have a long way to go to get my invested principal back.
To any new readers, I do not recommend investing with Bondora unless you plan to use the "Go & Grow" product only. The Go & Grow product is actually alright if you're satisfied with a 6,75% interest rate and instant liquidity.
Unfortunately, Go & Grow was not available when I started investing with Bondora back in 2015. I've got everything locked up in the traditional lending products called "Portfolio Manager" and "Portfolio Pro" where the investor takes all the risk.
There's too many defaults related to the "Portfolio Manager" and "Portfolio Pro" and the costs of recovery is too high. If you go down that route, chances are that your income graph will look much like mine after a couple of years.
123,45€ interest received but 432,73€ principal missed.
142,32€ was recovered from loans in default in March. Not enough to turn the numbers green.
The income I get from Crowdestate at the moment is from short-term (6-12 months) business loans.
I'm looking forward to receive payments from the first real estate development projects I invested in. Once these bad boys are finished I hope to see a nice return. There's still 1-2 years left though, so patience is key.
Crowdestor is a small gem that offers attractive interest rates (12-20%), for short-term projects (3-24 months). In my opinion it's the only real competitor to Envestio.
The first Crowdestor project I invested in 13 months ago called "TESLA TAXI Park Riga" was successfully completed and my 2.000€ investment was repaid in March.
I also added 5.000€ to my Crowdestor account pushing my account value above 20.000€.
Envestio is one of the most popular platforms at the moment and it's easy to understand why.
The project "Construction of Modern "Slowfood" Street Market" was successfully repaid in February so I didn't receive any interest for this in March.
I reinvested the principal in new projects so I expect to set new earning records for Envestio in April.
Envestio launched lots new projects in March. Interest rates from 16-19,85%. All projects were funded very quickly!
OBS! With the rising popularity of Envestio, you'll have to transfer money to your account before new project are released, if you want a slice of the pie. They usually get funded within a few hours, so keep an eye on your inbox.
I was right about my FastInvest prediction from last month. The drop in February was all paid back in March instead.
The new website design was finally released and the visuals are a lot better than the old design! With the new design, I get a good estimation of upcoming returns as well.
When I visited FastInvest they told me the new website design would be released in Q1 2019. Check!
They also told me, information about their Loan Originators is the next big thing they're working on and should be released in Q2 2019. If they make that deadline as well, I'll be a happy investor.
As you could see from my last blog post, Grupeer had problems with one of they banking connections last month. I think everything is sorted out and (if I'm not mistaking) all investors should have their deposits in their accounts now.
New loan originators: When I started investing with Grupeer in May 2018 it was a relatively small platform. I think they had 3 loan originators at that time. That is not the case anymore. Almost 8.000 investors have joined and they work with 20 loan originators now (7 new loan originators joined in 2019).
I'm preparing an overview of the new loan originators for you, so you'll have a chance to know them better. I will probably combine it with a new Grupeer Raffle, where you'll be able to win 50€ if you transfer at least 500€ to your new or existing account. More on this in an upcoming blog post!
1% CASH BACK: In April you will get 1% instant CashBack for all investments you make in any Finsputnik Platforma project!
Please note: Finsputnik 1% CashBack offer only applies to standard Finsputnik projects, yielding 13% (where the borrower is neither NordCard, nor Kviku, nor Ibancar or other specific borrowers). CashBack offers listed above won't be paid for investments made in projects, which are already subject to our regular CashBack offers (i.e., these special deals doesn't sum with other CashBack offers). Regular CashBack offers can be found on Grupeer website and are marked with a special blue badge.
My Mintos portfolio keeps returning lower numbers than expected. Not much but enough to make me wonder. I did have a bit of cash drag in March but only a couple of hundred euros. With 9.500€ invested I should receive at least 95€ per month. Next month must definitely be higher, right?
Mintos also reached another mile stone: 2 billion EUR loans funded since 2015!
Robocash is still giving a nice profit and effortless investing experience. All loans come with 12% and buyback guarantee. It's the most "hands-off" investment I have. You can literally "set and forget" it.
The interest returns bounce around due to "installment loans" that pay the full interest amount when the loans are returned after 1 year. Unpaid interest keeps building up day after day. In 6 months time the graph will start making some nice upward spikes.
Not much going on at Swaper. They added more loans so cash drag has been reduced a bit, but I'm still concerned. I can't even remember when I received an update from them last time.
Twino updated their manual investment tool without telling anyone about it. It made manual investing a bit easier, but just like Swaper, there's not enough loans available.
Lots of things are happening in the Real Estate business.
It's almost certain that I'll buy this property in May or June.
I agreed with the seller on the price ~218.000€ and we're now in the process of finding out how large a mortgage I'll be able to get. I'm hoping for 80% mortgage and 20% down payment.
In the very beginning of May I will visit the platform KUETZAL.
NOTE: I'm not sure if I will invest in Kuetzal, the visit and my review in May will determine that. My bias towards this platform is neutral/skeptic at the moment!
If you have any questions for Kuetzal be sure to post them in the comments below or send me an email and I'll be happy to ask them for you.
I have decided to add Bulkestate to my portfolio. I've followed the platform for more than year and I like the progress they've been able to show.
Further more, I've had a good talk with one of the team members and got some insight into future projects, that will be released over the next 3 months.
Interest rates for these 8 projects are from 15-17% + up to 2% extra!
What is this 2% extra interest about?
Investors making EUR 10,000 or larger investment will receive 1% incentive payment from the invested amount.
Investors making EUR 25,000 or larger investment will receive 2% incentive payment from the invested amount.
I will transfer 10.000€ (to get 1% extra) and invest in a project with 17% interest rate, scheduled for release ultimo April 2019.
I'm also planning to visit Bulkestate later this year.
I've been able to negotiate the best deal you can get on Bulkestate.
Usually there's no sign up bonuses available to new investors. I'd like to give something back to my readers, so I agreed to pass my affiliate earnings on to you guys!
If you sign up through my site you'll get 5€ signup bonus and 1% Cash Back on all your investments made from 4th of April (today) – 31st of May 2019.
That means, if you're willing to invest 25.000€ in a project through my link, you'll earn up to 20% on your investment!
+1% cash back! <- Exclusive to my readers!
5€ signup bonus <- Exclusive to my readers!
If you sign up anywhere else, you will not get the last 2 bonuses. Use any link to Bulkestate on my site to receive your bonus.
The exclusive bonus to investors who are going to invest during the campaign period (from 4 April 2019 to 31 May 2019) will be paid in a form of cash back at the beginning of each month. I.e. Bonus for April will be paid at the beginning of May.
My savings rate for March was 51,36% (-11,01% compared to last month).
We've been looking for a high-end top quality blender for 4-5 years. I finally decided to buy a VitaMix Ascent A3500i. We are using it a lot, not only for blending but also for chopping up vegetables. Making baby food for our upcoming child will also be a lot easier, healthier and cheaper than buying it.
I'm attending 2 weddings this summer, one in Switzerland and one in Norway. I've never had a suit and decided to finally get one. My arms are abnormally long so tailor-made is the way to go. It doesn't cost much more than a regular suit so it's definitely the right choice for me.
Visitor numbers keep rising, not by a lot but I like the steady improvement.
FinanciallyFree is hosted on SiteGround for the incredible low price of 3,95€ per month. Even with 11.000 visitors and 46.000 page views per month it's still pretty fast don't you think?
This was a tough decision for me. In short, I decided to remove the blog income because it stole the show. I got to a point where 9/10 emails and comments was about the blog income. It shifted everyone's focus away from the investments – a direction I didn't like for the blog. I hope you understand.
Are you attending the biggest P2P conference in LATVIA, RIGA ON JUNE 7-8, 2019?
P2P Conference is a unique two-day concept combining conference, exhibition, networking and fun. Europe's P2P elite meets for the second time in Riga to listen to and discuss with internationally renowned speakers, extend their network and enjoy some incredibly good food and drinks in three handpicked locations.
18 speakers will give in-depth insights into the latest product, technical and regulatory developments in the P2P and crowdfunding industry. There will be plenty of learning, inspiration, and networking for everyone – from investors to platforms and media.
Unfortunately, it's too close to delivery date of our third child, so I won't be able to attend this year. Hopefully next year!
This is what I had prepared for this month's update.
I've always wanted to give my readers exclusive access to special bonuses. I'm so happy I made my first deal!
Hopefully I'll be able to offer more exclusive bonuses with other platforms in the future. Maybe not only for new registrations but also for everyone who has used one of my links to sign up to a platform?! Wouldn't that be nice?
If you enjoyed this post, maybe your friends will like it too? Please consider hitting the like button below and/or share it with your friends.
Jorgen Wolf, totally get why you removed the report about the blog income. To be frank I was also anticipating to see those numbers this time.
So, although it is a shift in focus of the blog, what you did do is inspire others. People who read about your earning numbers were happy for you (I definitely did), showing that serving your audience properly gets it's rewards!
I'm not saying this to push in any way, so you'll publish those numbers again, but saying it had a good aspect too.
Also, thank you for announcing the p2p conference. I'll check that out and good luck with the new property!
I also see that interest is going down on Mintos, maybe they get so big that the interest rates will go down. I hope that on Envestio everything to stay the same.
Too bad you won't be able to join the conference. You'd have made a good report from it for all of us who follow your blog, I am sure. But obviously family is more important and I fully agree with that.
Again, good luck with your new RE investment!
Thank you for this site and for sharing your experience it´s been inspiring and insightful so far. I like the way your communication sounds natural and the fact that you have the chance to visit the platform owners and share it.
I have no money drag in Swaper, I transfered around 5000 in March to get the 2% bonus, and all of that amount was quickly invested. I mean in couple of days, all my money is allocated now.
I did several transfers to Grupeer, of course using new proper bank account, it takes 2-3 days to get the funds accounted.
Thank you for the kind words Paulo, I'm glad you like it.
Any thoughts on Robo.cash moving to Croatia?
Thanks & Looking forward to your visit to Kuetzal!
Excellent review, Jorgen. as always, keep it up! I think that although controversial, the removal of blog income is the right choice so we can focus in the main topic, investments!!
Thanks a lot Ocho, I appreciate your support!
As usual you've put together a really detailed portfolio update for the month.
You are doing people a great service by investing on so many platforms and sharing your experience – P2P goes for advice not just lending!
It's no wonder why your audience is large and keeps growing!
Always fascinating stuff that you post and I don't know how you managee to pack everything in!
As usual you've put together a really detailed portfolio update for the month.
It's no wonder why your audience is large and keeps growing!
Always fascinating stuff that you post and I don't know how you managee to pack everything in!
I'm trying my best to be of service Genteleman, just like you. I'm equally fascinated by the sheer number of blog posts you're able to pump put every week!
Congrats on (almost) landing Property #2! I've got Property #1 in the making this month! (hopefully).
Looking forward to reading more about Property #2!
Thanks for sharing your experience with Bulkestate Nick. I'm used to boring after having invested in real estate projects at Crowdestate. 2 years has gone by on some of the projects and I still have 2 years to go before I see any profits on those. Bulkestate is only 12 months, that's easier to deal with. If I manage to invest in a project each month, then after a year I'll be able to report monthly earnings as well 🙂 Bulkestate do not receive monthly payments, they spend the money raised to buy, enhance/renovate and sell the property at a higher price. Hence there's no way to pay monthly interest to the investors.
I elaborated further on my reasoning behind removing the blog income in my response to Ricardo Torre below.
Sad to see the affiliate blog income being removed, but i understand the decision.
Can you maybe go more into thoughts about your rental business, what to buy and why. What you are looking for in rental properties and such?
– Second, how much rent it generates compared to the price of the property. I'm aiming for properties where I can get 1% of the property price paid back in rent every month.
Thanks, Jørgen, for your fascinating update. I was interested to read that you thought that Crowdestor was the only real competitor to Envestio. I am actually preferring Crowdestor now as I find Envestio frustrating. I have missed several investment opportunities on Envestio by not being in front of my computer when a new project is announced by e-mail. I am also impressed by the Buyback Fund recently added to Crowdestor and the Loan Agreement that is generated for each investment made. The latter is normal for crowdfunding platforms, but Envestio is still not producing them in spite of there being a place-holder on the site for them and them informing me months ago that they were going to produce them in the future.
I think that Kuetzal is also a competitor to Envestio. I started investing with them in January and have had no problems receiving interest payments on time. I do find some aspects of the site strange, though. My comments can give you ideas of questions to ask when you visit them.
Firstly, the account-holder's part of the site (after you have logged in) looks very similar to Envestio's site. They are both based in Estonia, so I wonder if there is a connection between them.
Secondly, there is no date given for the investment deadline for each project. When you invest, interest is paid monthly on the same date as your investment, so the timeframe to invest seems to be open-ended. This begs the question, when does the borrower receive the funds? How can the borrower be paying you interest if the project is not yet funded? They say that Kuetzal Care will complete the funding if the investors do not – but when?
Thirdly, they do not produce Loan Agreements for each investment yet, but, like Envestio, say they will in the future. I would have thought that this should be a priority for both platforms to get right at the beginning of operations as it sets out the legal agreement between investor, borrower and platform.
Thanks for the feedback Rob, I'll address your questions to Kuetzal when I meet them!
Are you considering getting into ETFMatic platform? that is actually not P2P lending/investing platform, it invests into stock ETFs, but it is nicely automatised, you just fund your account, and money is automatically allocated to ETFs. Actually at the registration, you fill kind of questionnaire, what are your investing preferences, risk preferences, etc, then basing on that, portfolio of ETFs is selected for you. There are nice features like risk gliding etc. Portfolio is managed by the platform owners, when there are changes on the market, they update the portfolio for you.
I started in beginning of January, and so far got 7.25% growth, just in 3 months.
I've been looking at ETFMatic for a while, but I will not invest with them. For now, I'll stick to Crowdlending and Real Estate. If I should invest in ETF's I'd rather invest in a global low cost index fund.
Yes, it can be problematic to invest so fast when new projects appear. I have a friend who made a special alarm when he receives emails from Envestio and it works for him.
I know that Envestio would like to offer an Auto-Invest service. Unfortunately, the upcoming regulation draft states that Auto-Invest tools should not be allowed for P2B businesses. So that might put might put a spoke in the wheel.
I feel that the blog is a pivotal way in which you will fund the becoming financially free so it doesn't make sense in my opinion to exclude it. I kind of see it as a trend that what ever is the biggest part of a bloggers income is hidden away.
It's so easy to look at it from the outside and think "Now he is hiding information from us". "Now he is not being transparent anymore".
I used to follow some high earning bloggers too, and I have been very disappointed to see them remove their blog income as well. I didn't understand why!! Now I do understand..
– File several copyright infringement claims every month, because other people have copied your entire site, word for word, only to change referral links to their own.
– Try to convince poor minded individuals, that the way I blog now is not any different than when the blog earned no money at all: My opinion cannot be bought and I will only write about investments that I truly want to invest in myself! Nothing is sponsored, bought or written just for the sake of earning more money. The bigger my earnings get, the more people won't believe this. I think it says more about them and what they would do if they had a popular blog, but it's exhausting to keep defending my core values.
I'd love to keep sharing everything! But as long as these issues keep getting bigger day by day, there's just no way that I will keep adding wood to the fire.
I don't like to spend my precious time on things that doesn't add value. If people don't value what I DO share, I would encourage them to follow another blog.
I disagree, he could just add blog income to his regular income statistics, but should not focus on it too much.
I tried that but big numbers always gets attention, just like the annoying kid in class.
That's a shame with Bondora. They should focus on recovery of their bad debts instead of spamming our Youtube. It seems every other video I watch there is a Bondora ad!
It's ok to enjoy a good income :). 900 for a blender, why not if it makes you happy, right? Besides, if you're still saving 50% of your income, then surely it's worth it.
Wow, rental market is pretty awesome where you live if that's what you get net!
Having such a wide portfolio must take time. This must take like a full day to do an update. I'm struggling with a much smaller portfolio.
I prefer to buy high quality stuff in the rare event where I treat myself with something.
The rental market in Denmark is not much different than the rest of Europe. You have to get out of the big cities and scout for a long time to get the right deal.
It does take an immense amount of time to update the site every month. I might be slow, but I can't do it in a day anymore.
Do you account for taxes when showing your income? Given that you live in one of higher taxed countries in EU, would you mind sharing what's the percentage of your capital gains are taxed?
Have you considered moving to a less expensive country? Given that your blog is starting to generate revenue, with your current portfolio earnings, you technically could live off it in Lithuania for example.
Hi Jørgen, except the good weather, beaches, wine, lower tax, still being under EU legislation and lower daily expenses. Why Portugal if I may ask?
Hi Janis. If you add cheaper houses and cheaper cars to your list, those are pretty much the reasons why I look at Portugal.
I still don't get it. How do you manage to get so high XIRR with your first property?
Over the years I've seen 10-15% XIRR, but over 20 or even 30 is just unimaginable.
I calculate XIRR from the downpayment + expenses to buy to property. If the net rental income is high enough, compared to what you had to pay for the property, the XIRR will be high.
Thanks for a great blog. Do you know when the signup bonus from Bulkestate will be added to the account?
I do enjoy coming to you blog and staying up to date with your journey. Your returns always look pretty solid.
I support you not showing blog income as I also believe it to be distracting. In my blog I have gone further and chosen not to show returns from my investments at all (personal choice). This is probably not so great for visitors as people enjoy seeing numbers. Its much easier for someone to see themselves in a position of earning 1,000€ a month compared to earning a 2% monthly return.
I am interested to know if you did have to file copyright infringements? That's crazy (but a sign that you are doing something right?). Hope that doesn't continue in the long run.
I had a quick look into BulkEstate the other day and will be looking forward to your piece on them.
There's several thousand Crowdlending platforms in China (3.500 platforms at it's peak in 2015). Just like any other sector, there's a number of businesses that won't make it. Some because of fraud and others due to poor business management. The same happens to businesses that are introduced to the stock market, only to be pumped and dumped. As a regular investor is impossible to know everything, it's a calculated risk we take. That's why diversification between platfoms, sectors and asset classes is key.
I've truly enjoyed following your updates for several months now! Excellent source of information and inspiration.
Glad to hear about Bulkestate. I started investing with them over a year ago, which means that only recently I started seeing the first returns. My only "problem" with them was the low flow of new projects, so it's great to hear they are planning to expand. On top of that, excellent returns and so far 0% defaults, so I'd definitely recommend it.
Also, I actually started investing in Kuetzal just 2 weeks ago, so looking forward your report after your visit. It looks promising so far.
– on the FAQ, in the question about "What are the risk of investing at Kuetzal?", the say that "Also, Kuetzal Care and Investment Return tools are applied for majority of the projects. These tools can make particular project risk-free." But I do not see why Kuetzal Care is mentioned here since it is just saying that they start counting interest from the moment one invests (e.g. such as Crowdestor). Also, they mention "Investment Return tools" which is not clear, what are those tools exactly?
– Another FAQ ("How does the buy-back guarantee work?" describes buyback guarantee in terms that are not clear, giving the impression I can sell my investment before the end of term, which is not true (I cannot do that with my investments that have buyback guarantee); then it says "in the worst case scenario, if project annouces default, Kuetzal guarantees to cover 100% of investment during next 2 months after default is accounced", which is something else (like Mintos buyback guarantee). If you could be able to get a clear idea about what exactly is buyback it would be great.
– Assuming buyback is the investor gets the money when some project defaults, I have a hard time investing in projects that do not offer that guarantee. For instance, I would like to invest in Impaya but I am bit worried since it does not have any guarantee or collateral. As such, I asked if it is possible to have the financial statements of the last 4 years of that company so that I can assess it's credit risk but so far, after 12 days, I did not get any feedback from Kuetzal. The only other time I sent an email was to ask if they supported Skrill deposits (which they don't) and got a reply in 2 days from Albert Cevers, signed as Kuetzal's CEO.
– Also, it seems there an issue with making deposits, I always use "SEB Pank" but read somewhere that "LHV Pank" did not work…if that is true, why they don't fix it or update the deposit page?
Many thanks for your work on the blog and good luck with Kuetzal!
Thanks for your contribution to my list of questions Orlando. I'll be happy to cover them when I visit Kuetzal. Cheers!
thank you for another great report. I fully understand your reasons not to publish the blog income anymore even though it was interesting to follow. Keep up the great work.
Just noticed one thing, you wrote: "I will transfer 10.000€ (to get 1% extra) and invest in a project with 17% interest rate" but it looks to get additional 1%, that has to be investment 10.000€ in single investment. So you mean you will invest only in one project, won't you diversify that in more projects?
You're right, I will invest the first 10.000€ into one project to get the extra interest bonus. If I want to diversify further, I'll eventually invest another 10.000€ in another project.
Ronald, I already asked this question. I wanted to know as well, because I also prefer monthly interest payments. It's because they invest the money in real estate development and don't get anything back until the property is sold. So paying out monthly interest would not be optimal for them.
I like your report with precision.
For sure, I confirm that for Envestio, we have to be very quick to get the loan.
Hey Jorgen many thanks for sharing all your personal financial data. I have a general question… don't you worry that almost all your portfolio is on P2P investments which is currently unregulated market? What happens if some kind of EU legislation comes in the future that could impact the main business of such loan providers?
Hi George. No one knows what happens when regulation kicks in. I assume it will only affect future loans and not those already on the market. I'm not worried, in fact I look forward to it.


We have had quite a quick start to 2018 which so far has included our first Board meeting of the year, the Annual General Meeting for our members, the 29th annual O'Brien Awards and a very special announcement that Standardbred Canada made to the industry.
I thought for this month, we would recap some of the highlights so far this year to keep you up to speed with our activity as an association, as we continue to move forward.
First and foremost, on behalf of Standardbred Canada's Board of Directors, I would like to thank Quebec's Brian Paquet for his outstanding service as a Director of the Board. At our January meeting Brian announced his resignation and although I haven't had the privilege to work with Brian for all that long, I do know he is very much respected as a knowledgeable and informative businessman in and outside of our industry. When Brian would speak at our meetings, he had everyone's attention as we all were aware he was going to make a very salient point, or had an important question to be asked, or make comment to pay heed to. Aside from Brian's business acumen, he also has a great sense of humour and a tremendous love and passion for the sport. We will miss Mssr. Paquet – au revoir!
With Brian's announcement also came the nomination to the board to elect Murielle Thomassin, General Manager of Hippodrome 3R in Quebec. Murielle is a sharp, well established lady who has been a Standardbred Canada employee, with years of experience in the industry. Ms. Thomassin will be a welcome addition to the team and will provide great leadership and direction for the association.
I would also like to take this time to congratulate Joanne Colville who was elected as our Chair for the third consecutive year. Management and staff are looking forward to another exciting year under the direction and oversight of the 2018 Standardbred Canada board.
As part of this past February's board meeting, we also hosted the Annual General Members Assembly and I thought that you might be interested in reading the comments that were made at this meeting.
2017 was a very interesting year for not only the horse racing industry but also Standardbred Canada.
Through a variety of many consultations with our members and internal and external stakeholders, the association representing approximately 6,000 members in Canada did our fundamental best in listening to and acknowledging our members needs, concerns and issues.
As a result of these consultations, Standardbred Canada began working on better serving our members and creating the added value our members have repeatedly asked for.
In 2017, through the board`s direction, we delivered for the fourth straight year no fee increases to our members.This is a direct result of acknowledging the challenges that our members are faced with year after year.
And I am proud to announce that even as everything else is increasing in cost, the board requested a fifth consecutive year for a "fee freeze" for 2018.This is a strong testament of how aware our board is to the ongoing challenges facing our industry and our membership.
We are hoping for continued good news on this front in the upcoming months.
In 2017, we also merged two Ontario yearling sales into one with our partners from Forest City Sales this past year. The sale proved to have excellent results and we are proud to announce that the London Selected Yearling Sale, and our partnership, will carry into this year.
Last year we conducted a governance review led by the Garthson Leadership Centre, a list of recommendations were presented and accepted by the board in November, and we will implement approved recommendations throughout 2018.
Last summer, Standardbred Canada hosted the 25th World Trotting Conference and World Driving Championship in PEI. This included an industry symposium and it was an incredible week as we celebrated our industry with the world.
And because of the incredible interest shown from a host of sponsors, the event which was budgeted to cost the association, ended up being a break even venture for SC.
This was a true commitment from the province of PEI, Horse Racing Alberta, and so many other sponsors who came on board to support this initiative.
Standardbred Canada has also been facilitating and leading meetings with the regulating bodies across Canada to work on the "rules of racing" with the goal of having consistent rules for our national sport, across the country.
We also have struck a "media task force" with some of the leading sports writers in the country to discuss how better to improve our sports coverage in Canada.
• Launching a loyalty program for our members.
• Transitioning over to micro-chipping for our horses for identification.
• Executing our government relations strategy.
• Enhancing awareness of the software program, TrackIT.
I have challenged the management team to prepare business cases designed to move the association forward as we continue to address the overall trending of the industry. We have also engaged our board in revising our strategic plan to ensure that Standardbred Canada remains on track and focussed for the next several years to come.
Later that same day, Standardbred Canada and approximately 300 guests enjoyed our annual nationalshow, 'The O'Brien Awards'.There were so many highlights from the evening including; Kelly Spencer hosting our first Red Carpet, the show was streamed over the Internet, our World Champion Driver James MacDonald was in attendance for a special video presentation and interview, and received a rousing applause, and then we made our special announcement at the end of the evening.
One of my most important duties that night was opening the evening and acknowledging our terrific sponsors.It is very important that our sponsors and our audience understand just how important their role is for this national awards program.
I would like to thank everyone here tonight for joining us to celebrate our Canadian champions!A special thanks to our dignitaries for taking time from your schedules and for your support of horse racing across the country.
On behalf of Standardbred Canada, congratulations to all of the finalists.
Tonight we celebrate the accomplishments of the champion horses and champion horsepeople who thrilled us with their amazing performances on the racetrack and made outstanding contributions to Canadian harness racing in 2017.
Last year we also celebrated the 250th anniversary of Canadian horse racing from coast to coast and Standardbred Canada was proud to host the World Trotting Conference and the World Driving Championship which was won by our very own James MacDonald who is here with us this evening.
All of our champions are here tonight, including the champions for this event.If it wasn't for these people and the organizations they represent, the O'Brien Awards would not be the event it is.
On behalf of the Board of Standardbred Canada, I would like to recognize and extend our sincere appreciation to our industry partners and sponsors for this year's awards.
Our "Champions of Tonight's Event" are: Jim Lawson and Jessica Buckley and the Woodbine Entertainment Group. The Woodbine team has worked with Standardbred Canada to produce the video for the O'Briens for over 19 years.Woodbine Entertainment also assists us in providing the live streaming of the awards presentations and are sponsoring the wine that will be served with dinner this evening.
So Cheers to Woodbine!And welcome to all our viewers watching at home!
Cal Bricker, Adriana Spaztner, Lori Shea and Team OLG, my former colleagues and good friends at the Ontario Lottery & Gaming Corporation. They have partnered with us for the third consecutive year to present a very popular award; the Outstanding Groom Award.
The Magic Man, Bill O'Donnell and his fabulous team at the Central Ontario Standardbred Association – for sponsoring our cocktail reception.COSA has been involved as a sponsor of the O'Brien Awards for years and the cocktail and social hour before dinner has always been the perfect way to kick off the evening!
Mr. Hugh Mitchell and Mike Chopowick, and all at Ontario Racing – thank you for your sponsorship of the Media Excellence Awards for the second consecutive year.
Here's another great person and association, I just love Shirley McClellan, she's such a pistol and I could easily spend the day hanging with her. What a walking wealth of knowledge Shirley is. We want to thank her wonderful team at Horse Racing Alberta – for sponsoring the O'Brien's video interviews which will be posted on standardbredcanada.ca for the week after the awards.
And by the way, just a quick comment…WEG, OLG, COSA, Ontario Racing, and Horse Racing Alberta also made significant contributions to the World Trotting Conference and World Driving Championship in PEI last summer. These organizations are always providing outstanding support to this industry!
Always a big hit is the complimentary portraits sponsored by our friends at OnTrack Media and Entertainment, and American Teletimer company.
Thank you each and everyone of you!
Finally I would also like to give a tremendous shout out to Standardbred Canada's Marketing Manager Kathy Wade Vlaar, and our Communications Manager, Mr. Darryl Kaplan who, year after year, do an amazing job of directing their teams behind the scenes, from the ground floor all the way to the top, to make this event what it is.
"Somebeachsomewhere is the kind of horse that you will remember where you were and what you were doing when you first heard the news of his passing. What struck me was the sheer number of people who stopped what they were doing to read about the news on the Standardbred Canada website.
As a matter of fact, I remember Darryl Kaplan and Kathy Wade Vlaar coming to my office and asking if I have knew how many hits the story generated in just a few short hours of posting the news. In total, more than 70,000 people read that single story.
Later that week, in our manager's meeting, we spent some time reminiscing about Beach and Kathy said we should do something in honour of Somebeachsomewhere. And I said, you know I just read a comment, not sure from who, but it was something to the effect that Somebeachsomewhere was the kind of horse that only comes around once in a lifetime.
And my friends, this is our lifetime and this is our horse.
So the team came up with an idea just about a week and a half ago.
We then sent out an immediate email to our board of directors and within a very short time, we received unanimous support from our board to move forward with our idea.
Ladies and gentlemen, on behalf of Standardbred Canada, our directors, employees and our members', it is my distinct honour to announce that the O'Brien 'Horse of the Year' Award will now be referred to as the 'Somebeachsomewhere Horse of the Year Award' in honour of a true legend and one of the greatest standardbreds of all time.
So...There you have it, a synopsis of our Board meeting, the AGM, and the O'Brien Awards.
I hope that I didn't bore you but I feel it is important that you get the inside look of what was said and done during these important events.
Have a great month and hope you check back in April.
P.S. I also want to let you know that Standardbred Canada's Executive Assistant and Corporate Secretary Caren Brown-Stockwell has tendered her resignation to take up a new position and career. Caren has been with our organization for close to 18 years and she has been my right arm (and often my left) ever since I came on board at Standardbred Canada. She leaves behind a saddened team, but an impressive footprint of the great work that she has brought to this association. Please join me in thanking her for all she has done and wishing her all the joy and luck in the world!


Use the Assert classes of the UnitTestingFramework namespace to verify specific functionality. A unit test method exercises the code of a method in your development code, but it reports on aspects of the code's behavior only if you include Assert statements.
With or without Assert statements, unit tests can generate code coverage data. For more information, see How to: Obtain Code Coverage Data.
In your test method, you can call any number of methods of the Assert class, such as Assert.AreEqual(). The Assert class has many methods to choose from, and many of those methods have several overloads.
Use the CollectionAssert class to compare collections of objects, and to verify the state of one or more collections.
Use the StringAssert class to compare strings. This class contains a variety of useful methods such as StringAssert.Contains, StringAssert.Matches, and StringAssert.StartsWith.
The AssertFailedException exception is thrown whenever a test fails. A test fails if it times out, throws an unexpected exception, or contains an Assert statement that produces a Failed result.
The AssertInconclusiveException is thrown whenever a test produces a result of Inconclusive. Typically, you add an Assert.Inconclusive statement to a test that you are still working on to indicate it is not yet ready to be run.
An alternative strategy would be to mark a test that is not ready to run with the Ignore attribute. However, this has the disadvantage that you cannot easily generate a report on the number of tests you have left to implement.
If you write a new Assert exception class, having that class inherit from the base class UnitTestAssertException makes it easier to identify the exception as an assertion failure instead of an unexpected exception thrown from your test or production code.
Decorate a test method with the ExpectedExceptionAttribute attribute when you want the test method to verify that an exception you expect to be thrown by a method in your development code is indeed being thrown in that method.
The Assert.AreEqual method has many overloads that let you compare specific data types. However, the Assert.AreEqual method does not have an overload for unsafe types, such as the pointer data type.
// On the preceding line, no overload is available.
In this case, you should replace the Assert.AreEqual statement with your own custom verification code.


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Q: linux display the day of the week of your birthday in 2050 How would I display the day of the week on a certain date in the future, using a Linux command (I'm guessing cal/ncal)? I've tried several things but can't find the solution, nor can I find any help in the man page.

A: Suggesting date command, with output format %A .
$ date -d"2053-01-24" +%A
Friday

You can put any string that can be interpreted as date in -d""
For example:
date -d"+2 years +3 months -4 days" +"%F %A"
2024-08-19 Monday

redpajama_set_name: RedPajamaStackExchange


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Home » Forestry & Wildlife, News Releases » 10/14/14 – Public Asked To Turn Off Unneeded Lights, Look Out For Seabirds
10/14/14 – Public Asked To Turn Off Unneeded Lights, Look Out For Seabirds
Posted on Oct 15, 2014 in Forestry & Wildlife, News Releases
NEIL ABERCROMBIE
WILLIAM J. AILA JR,
For Immediate News Release October 14, 2014
PUBLIC ASKED TO TURN OFF UNNEEDED LIGHTS,
LOOK OUT FOR SEABIRDS
LIHUE – It's fall in Hawaii, and time again to watch out for the "fallout"of young seabirds. This time of year, Kauai's threatened and endangered native Hawaiian seabirds become disoriented by artificial lights during their maiden flights from the mountains to the sea.
These seabirds have an important part to play on our island. They were traditionally used by navigators to find their way back to the island, are friends to our fishermen by helping them locate schools of ahi and are critical to our watersheds by helping to fertilize the soils with marine nutrients in their droppings. Each year, the people of Kauai pitch in to help these birds by turning their lights down and rescuing the birds when they are found.
After becoming disorientated by artificial lights along the coast, the birds are often seen landing or sitting on Kauai's roadways, parking lots and lawns. Some also collide with poles, wires and buildings before crashing to the ground. Once on the ground, these young birds are highly vulnerable to being hit by cars or killed by cats or dogs.
Through December 15, homeowners and businesses on Kauai are encouraged to:
Turn all lights down to the ground and use downward lighting for signs;
Turn off decorative and unnecessary lights as much as possible;
Replace bare spotlights, floodlights and unshielded lights with seabird-friendly lighting styles (including shielding the lights to prevent them from facing upwards and using non-white or lower wattage lamps);
Place floodlights and security lights on motion detectors so that they are not on all the time;
Shield outdoor lights with commercially available or home-made glare reducing shields;
Close curtains at night to help reduce overall glow and glare; and
Keep dogs and cats indoors so that they are not able to attack and kill grounded birds outside
For illustrations and guidance related to seabird-friendly light styles that also protect the dark starry skies of HawaiI, visit the Kauai Seabird Habitat Conservation Program website: https://www.kauai-seabirdhcp.info/minimization/lights/documents/SeabirdFriendlylightingflyer.pdf
On Kauai, the public is asked to be on the watch for young seabirds, especially the threatened and endangered species such as Newell's shearwaters ('A'o) and Hawaiian petrels ('Ua'u), as well as the more common wedge-tailed shearwater ('Ua'u kani).
Wedge-tailed shearwater chicks that are found outside burrows on coastal trails and beaches should be left in place unless there is imminent danger of harm due to dogs, cats or some other activity. These chicks, prior to their first flight, will normally sit outside their burrows exercising and imprinting on their natal area prior to leaving the nest. It is important that the public realize that these birds are not lost, abandoned or injured. If you have questions about a wedge-tailed shearwater, please call the Kauai Division of Forestry and Wildlife (DOFAW) Office.
Anyone finding a fallen or injured seabird is asked to do the following:
Carefully and calmly pick the bird up with a towel or t-shirt, being mindful of traffic and other hazards to your safety, and to keep the bird at waist level, away from your face;
Gently place it in a cardboard box that has ventilation holes and a lid, and keep box in a cool, safe, quiet place;
Do not attempt to feed, treat or release the bird as qualified wildlife rehabilitators will assess the bird's health and schedule its release at the best time; and
Take the bird to the nearest fire station or to the Save Our Shearwaters (SOS) Program at the Kauai Humane Society (808-632-0610 or 808-635-5117) or call DLNR's Kauai DOFAW Office at 808-274-3433.
Contact the Kauai Seabird Habitat Conservation Program (KSHCP) office at (808) 245-9160 and visit www.kauai-seabirdhcp.info for more information on the KSHCP, on decreasing light pollution and conservation of Kauai's endangered seabirds.
Deborah Ward
Public Information Specialist
Summary background information
Kaua'i is home to numerous seabirds. The threatened 'a'o (Newell's shearwater) and endangered 'ua'u (Hawaiian petrel) belong to the Procellariidae family (also known as Tubenoses). These remarkable birds are inextricably connected to both the land and the sea: they return to land each year to breed, yet rely on the sea for their food (primarily small fish and squid). Each summer, they breed in the mountainous interior of Kaua'i, flying to the colonies after sunset. Kaua'i is home to an estimated 80% of the world's remaining population of Newell's shearwater –a truly native species that despite past harms, still graces our islands and is depending on us to help it survive.
Value of 'A'o and 'Ua'u to Hawaiian cultural and Hawai'i's Ecosystem:
Navigators: Birds have been a tool for traditional Hawaiian navigators for centuries. In the non-breeding season, they are present in the equatorial counter currents. Those traveling from the South Pacific (Tahiti or Marquesas) to Hawai'i in April can use the 'a'o as a guide as it travels on the same path.
Fishermen: The 'a'o are also friends to fishermen in search of 'ahi. They dive after squid that schools of 'ahi have corralled close to the surface of the ocean.
Ecosystem health: Before the colonization of the islands with humans bird guano was a major source of nitrogen in the landscape, which is believed to have contributed to the health of our forest ecosystem today.
Kahili (royal feather standards):
Kahili were made primarily with seabirds'feathers, potentially of the 'a'o and 'ua'u.
Threats to 'A'o and 'Ua'u: Non-native predators: At the colonies birds are eaten by feral cats, rats, and non-native barn owls.
Habitat degradation: Pigs and goats trample burrows. Invasive plants such as strawberry guava and albizia change suitable habitat to a monoculture where birds cannot access the ground to breed.
Threats at sea: Little is known about the threats at sea. While more information is needed about potential marine threats, terrestrial threats of predation at the colony and fallout must be addressed to ensure the species survive.
Artificial light: Young birds are distracted by and attracted to bright lights near the coastline during their maiden flight to sea.
Collision with artificial structures: Tall objects with low visibility present a strike risk for seabirds as they travel to and from their mountain colonies and the ocean.
Efforts to eliminate, reduce, and minimize lighting problems continue in Hawai'i.–
2009 — Act 161 mandates control of light pollution to protect culture, wildlife, and habitats throughout our state. Also establishes an advisory committee to address light pollution issues.
July 2005 — Act 224 was enacted to mitigate the adverse impacts of light pollution in coastal areas; and prohibits the positioning and use of artificial lights that direct illumination of the shoreline and ocean waters.
About the Kaua'i Seabird Habitat Conservation Program (KSHCP) Office: this is a DLNR project with funding from the U.S. Fish and Wildlife Service designed to assist landowners with seabird and lighting issues by developing strategies to avoid and minimize seabird light attraction, and monitoring impacts to seabirds on the island. and the KSHCP also helps to guide funding of mitigation measures to offsets impacts and provide long term protection and enhancement of seabird nesting habitats on Kaua'i. The KSHCP when finalized shall provide a much needed legal mechanism for participants to obtain state and federal permits for incidental take of listed seabirds due to light attraction.
The KSHCP office works with all public, private, state, and non-federal entities to evaluate the causes of light attraction on Kaua'i, identify cooperative and collaborative opportunities, and evaluate methods to improve the use of lights.

redpajama_set_name: RedPajamaCommonCrawl


UN: Humanity speeding down "unsustainable path"
(CBS/AP) RIO DE JANEIRO - A United Nations report warns that the earth's environmental systems "are being pushed towards their biophysical limits" and that sudden, irreversible and potentially catastrophic changes are looming.
The UN's Environment Program says that climate change, the depletion of the ozone layer, plummeting fish stocks and the mass extinction of animals are among the most worrisome environmental threats.
"The world continues to speed down an unsustainable path despite over 500 internationally agreed goals and objectives to support the sustainable management of the environment and improve human wellbeing," a press release for the report states.
The 525-page report released Wednesday said little or no progress has been made in recent years toward meeting international targets for reducing environmental destruction.
The report calls on policymakers to take urgent action. Achim Steiner is the UN program's head and he says the UN's mega-conference on sustainable development to be held in Rio de Janeiro this month would be the ideal forum to take the steps needed to prevent an environmental catastrophe.
"If humanity does not urgently change its ways, several critical thresholds may be exceeded, beyond which abrupt and generally irreversible changes to the life-support functions of the planet could occur," a press release on the report states.
Under current models, greenhouse gas emissions could double over the next 50 years, leading to rise in global temperature of 3 degrees Celsius or more by the end of the century.
Indoor air pollution from particulate matter is responsible for nearly 2 million premature deaths annually - including 900,000 deaths in children under the age of five.
Outdoor particulate matter may be responsible for around 3.7 million deaths annually.
Though catches more than quadrupled from the early 1950s to the mid-1990s, they have stabilized or diminished since then - despite increased fishing. In 2000, catches could have been 7-36 percent higher were it not for stock depletion. This translated into economic losses to the value of $4-36 billion.
Water quality in at least parts of most major river systems still fails to meet World Health Organization (standards.
By 2030, an estimated $9-11 billion will be spent annually on additional infrastructure to provide sufficient quantities of water, especially in developing countries.


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Hylaeus conformis é uma espécie de insetos himenópteros, mais especificamente de abelhas pertencente à família Apidae.

A autoridade científica da espécie é Foerster, tendo sido descrita no ano de 1871.

Trata-se de uma espécie presente no território português.

Referências
 Hylaeus conformis - de Jong, Y.S.D.M. (ed.) (2013) Fauna Europaea version 2.6. Web Service available online at http://www.faunaeur.org (consultado em 11 de janeiro de 2014).

Ligações externas

 Hylaeus conformis - Biodiversity Heritage Library - Bibliografia
 Hylaeus conformis - NCBI Taxonomy Database
 Hylaeus conformis - Global Biodiversity Information Facility
 Hylaeus conformis - Encyclopedia of Life

Himenópteros de Portugal
conformis
Animais descritos em 1871

redpajama_set_name: RedPajamaWikipedia


98NKOTB2M (A great concert and what looks like a great password) | girl without a dream.
This entry was posted in Uncategorized and tagged 98 Degrees, Boys II Men, Concerts, humor, List, Music, NKOTB, Summer. Bookmark the permalink.


I live in a Brooklyn brownstone with my husband and our two kids, where I keep said kids alive while dancing to 80's music and pondering things like what to feed everybody, how to fix the toilet and maybe working out. Pondering can be a lot of work. I also take copious pictures of all the things growing up around the concrete here in NYC (like flowers and my kids), dabble in voiceover and write and record music.


When President Donald Trump announced earlier this month that the United States would withdraw from the 2015 Paris Accord, effectively ending the country's leadership on combating climate change, the backlash from the rest of the world was both immediate and vociferous. The United States is the planet's biggest economy, as well as its second-largest producer of greenhouse gases.
While Trump's "climate exit" was more political grandstanding than substance—under the rules of the pact, countries are locked in until at least 2020—the move is another blow to America's increasingly battered credibility. It also undermines the foundations of the 195-country agreement by signaling to other nations—emerging economies in particular— that their climate commitments are just as rescindable, if not essentially meaningless.
For the fashion industry, one of the leading sources of pollution, the implications of the withdrawal are equally knotty. Fashion's carbon footprint, according to a 2017 report commissioned by the Copenhagen Fashion Summit, is projected to increase by more than 60 percent to nearly 2.8 billion tons per year by 2030. That's roughly the equivalent of emissions produced by almost 230 million passenger vehicles on the road.
What's more, Trump's inward-looking stance makes little sense in this case given that American retailers and brands are enmeshed in supply chains that operate on international, often byzantine scales.
With many of the world's clothiers facing boisterous calls to shore up their environmental and social-justice efforts, especially from the values-driven millennial generation, the fashion industry is under more pressure than before to shake up the decades-long status quo.
For U.S. businesses, Trump's posturing has become a call to action.
Needless to say, part of that motivation has to do with self-preservation. The effects of global warming are evident in much of the developing world where apparel brands source their materials and labor. Already, countries like Bangladesh and India are experiencing fiercer tropical cyclones and increased monsoon flooding. Cambodia, another manufacturing hub, is bracing itself for periods of prolonged drought.
The shifting climate will also result in a surge of deadly heat waves across the globe, according to a paper published this month in the journal Nature Climate Change. Roughly 30 percent of the world's population is currently exposed to "lethal heat events" for at least 20 days a year, the authors said. By the year 2100, this percentage is projected to increase to 48 percent if greenhouse-gas emissions are drastically curtailed, and 74 percent if they remain unchecked.
"We're acutely aware that climate change, if left unchecked, will have dire effects on our business, the communities in which we operate, and the world at large," Bergh said.
It's perhaps for these reasons that even brands with fewer green bonafides than, say, Patagonia, Eileen Fisher, Nike, or Levi Strauss & Co., are speaking out.
Gap is a member of We're Still In, a coalition of state, local, and business entities that wrote an open letter to assure the international community of their continued support of the Paris accord in the wake of Trump's statement.
It's important to note that goal-based climate pledges, as de rigeur as they may appear, are still outside the norm for most of the fashion industry. For every Timberland that manages to slash its greenhouse-gas emissions by 50 percent two years ahead of schedule, there's a Forever 21 whose environmental policy is nebulous and unstructured.
In the latter cases, fashion's international entanglements can be a boon.
Kibbey's organization is working with the World Resources Institute to develop sector-wide guidance for apparel businesses seeking to reduce their carbon impact through science-based targets.


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Home Business We Sat Down For Lunch With BRAVO's Culinary Wizard – "Chef Johnny...
We Sat Down For Lunch With BRAVO's Culinary Wizard – "Chef Johnny I" (Video)
Terri Lynn
BRAVO, Naples, Florida
Over the years we have been invited to many events to meet a plethora of people promoting something, pushing a new book or introducing a new product. Typically, we do not go.
Chef John Imbriolo, Chief Culinary Officer
Last month we received an invitation to meet and interview Chef John Imbriolo, the Chief Culinary Officer at both BRAVO and BRIO and the mastermind behind FoodFirst Global Restaurants, Inc.'s new menus. Presently there are 58 BRIOS and 44 BRAVOS. All are under the stewardship of Imbriolo whose Italian family heritage is rooted in the Italian Mediterranean Way of cooking. FoodFirst Global Restaurants, Inc., is a newly formed restaurant company. Its mission is to provide Good Food for The Planet™ and their updated BRAVO menu is a step forward in that movement.
BRAVO's Italian Mediterranean brand was orchestrated by its Founder, Owner-Partner, Chairman and CEO Brad Blum who searched to find the "right" Chief Culinary Officer. He hired Imbriolo, a fifth-generation Italian chef known as 'Johnny I', who learned to cook at the apron of his Italian immigrant father, Angelo Imbriolo. Angelo, age 93, was the executive chef at the popular Asti's in New York City and was a "celebrity chef" before the term was ever invented.
Chef Angelo Imbriolo (Photo Courtesy: John Imbriolo)
Angelo Imbriolo was a favorite chef of John F. Kennedy and the Kennedy family as well as for Ronald and Nancy Reagan when they lived in the White House. Offered only at BRAVO today, are the same family recipes prepared by Chef Imbriolo's father to delight President Kennedy and his family at their inauguration celebration in 1960 and for President Reagan and his family during his term in office throughout the 1980s.
BRAVO Cucina Italiana has just updated its Italian Mediterranean-inspired menu at its Naples restaurant, the chain's premier training location. Some of the new dishes on the menu include an entirely new Alfredo Fresco line, Shrimp and Lobster Fettucine and Mediterranean Olives handpicked in Southern Italy.
For some reason, we were very intrigued by all of this. We accepted the invitation.
BRAVO is in a shopping center called "The Mercato." Rather than parking and going into a mega-mall, the center has a small-town feel. When it's early, you can park in the street and visit your favorite shops and restaurants.
Mark Young and I parked directly across the street from the restaurant. Before we could even open the door, Chef Johnny was there to greet us. "Hi, you must be Mark and Terri!"
We were somewhat stunned. How did he know who we were? Something tells me he was prepared or had a publicist who did her research and sent him our bios and photos. Either way, we were impressed. We later found out he "Googled" us. We immediately loved him!
Chef Johnny whisked us into a private dining room, had the staff close the door and immediately started talking about his love of food. You can tell it's in his DNA. More importantly, Chef Johnny has his finger on the pulse of what the dining public is looking for when they go to an Italian restaurant.
It was just the three of us at a round table
Johnny understands that everyone loves Italian cuisine. We love the pasta, the sauces, the cheeses and the decadence of the cuisine. He also understands that we all have become very "carb-conscious" and eat them sparingly. His challenge was to add items to the menu that captured the essence of Italy without the guilt.
Mediterranean Olives
The first item that came to the table were dishes of Mediterranean olives. ($3.99) I looked at them skeptically. So did Mark. Both of us are not big fans. But there we were, in Chef Johnny's dining room and we had to be gracious. I put a few of the green olives on my plate and popped one in my mouth. (I had no choice.) You know what? They were delicious. Mark was stunned as he saw me eat one after the other.
Turns out Chef Johnny found these olives on a remote farm in southern Italy. They are grown close to the ocean and protected by a mountain range. FoodFirst Global Restaurants basically buys the farm's entire crop and has them shipped, three container loads a month, to the US, exclusively for BRAVO. I was impressed. "People who know olives, really like these," he says.
Zucchini Fritta
Next, they served us a heaping platter of crispy Zucchini Fritta, fried shoestring zucchini, accompanied by a dipping sauce. ($7.99) They were outstanding. Better than French fries. I passed the platter to Mark. "Here," I said to him. "Try some. You're going to love them!" Knowing that the one vegetable in the world that he has an aversion to is zucchini.
There we were, both eating foods that we typically do not like and would not order. Chef Johnny's menu was working its magic on us and we were becoming "believers."
The main course was Spaghetti Pesto ($10.99) and Primavera Alfredo ($14.99) from the new menu. It was lighter than Fettucine Alfredo and the pesto was not overwhelming. We were in heaven.
The remarkable lunch was capped off with two signature desserts, cheesecake and a coffee martini poured over vanilla gelato. [Watch the video at end of story]
Chef Johnny's Philosophy
It's all about freshness and using the best ingredients.
Guests know when a restaurant is cutting corners.
Making someone smile is a phenomenal feeling for a chef.
Restaurants are always evolving.
Trends are hard to read.
I find inspiration in the craziest places.
I am open to ideas.
In this hyper-digital age, Chef Johnny's very aware of people taking pictures of their food in a restaurant. "Presentation is a chef's responsibility. People eat with their eyes."
He has no qualms about giving out recipes to anyone and likes to mentor and pass his knowledge on to younger chefs.
He told us about a trip he took to Lecce, Italy. When he checked into a hotel, the hotel manager saw his last name in the guest registry.
"Are you related to Angelo Imbriolo, the chef by any chance?" the manager inquired.
"Yes, I am," Chef Johnny replied.
"Do you think you can teach our staff how to make pesto the way your father did?
Angelo Imbriolo
Imbriolo Family Recipes
By this time, all three of us had become friends. He told us how Chef Angelo had cooked for the Reagans and the Kennedy family. Johnny pulled out his cell phone and showed us pictures of his family and highlights from his and his dad's career.
Chef Angelo met the Kennedy family and Senator Kennedy at a ski resort in Vermont. They adored his roasted suckling pig and his renowned spaghetti Bolognese.
Chef Johnny and his dad, Angelo
"Your job in life is to leave this world a better place," is his father's philosophy. Chef Johnny credits his father for instilling him with a strong work ethic and a love of people. "My dad felt that whatever I did, it had to teach me a lesson. He always wanted me to learn something," he stated.
Johnny shared some amazing stories about his family and about his dad, who has since moved to Florida to live with him and his wife. "There's never a dull moment," he reveals.
(Photo Courtesy: John Imbriolo)
Johnny's wife, Carolyn, is from Polish and Russian descent. When they met, she was a marketing executive for hotels in the Caribbean. She later pursued a legal career and became a successful paralegal. They have been married for "25 glorious years" he says proudly.
"My dad taught her to cook. She's seen Under The Tuscan Sun. Apparently, now I have to buy a villa."
For more information visit: www.bravoitalian.com
https://s3.amazonaws.com/southfloridareporter/wp-content/uploads/2019/11/01073411/Dessert-1.mp4
Terri Lynn has earned a reputation as a dynamo in the fast-past world of high profile public relations. Her blue chip press contacts, dazzling creativity and unstoppable determination, combined with superb writing skills, consistently produces extensive media coverage for her clients. She's regarded as tenacious, persuasive and always gets the job done!
We Sat Down For Lunch With BRAVO's Culinary Wizard – "Chef Johnny I" (Video) - OREKTIKO Dec 1, 2019 at 10:35 pm
[…] All are under the stewardship of Imbriolo whose Italian family heritage is rooted in the Italian Mediterranean Way of cooking. FoodFirst Global … Source link […]


After rebounding from the group of downside fibo-levels several times, the EUR/USD pair started a new ascending correction. The price couldn't reach the retracement of 78.6% on the first try. As a result, in the nearest future the market may resume growing towards this level.
As we can see at the H1 chart, the closest target of the current descending correction is the retracement of 50% at 1.0455. If later the market rebounds from this level, the price may resume its growth and break the local high.
The EUR/GBP pair rebounded from the retracement of 38.2% and several local fibo-levels. As a result, after finishing the local correction, the market may resume its decline and break the December's lows.
At the H1 chart, the pair rebounded from the correctional retracement of 61.8%. Consequently, in the nearest future the market may resume falling and break the local low. The downside targets are confirmed by intraday fibo-levels.


"Out of the ashes, hope will rise."
A group of airplane passengers live through their worst fear, which happens when they plane crashes and they are stranded. In an attempt to make it out alive, the survivors of the plane crash have to learn how to work together in order to build a new plane to take them home out of the Mongolian desert.
Flight of the Phoenix is currently available to watch and stream, buy on demand at Amazon, Vudu, Google Play, FandangoNow, iTunes, YouTube VOD online.


River deltas are fertile and highly populated landscapes, home to some 360 million people worldwide. Due to changes in river flow, increasing population pressure and use of natural resources and the manifold impacts of climate change, they are also at risk —a reality that deeply effects the lives of their inhabitants, including rice and shrimp farmers in Vietnam's Mekong and Red River Deltas. DeltAdapt is a large-scale research project analysing the environmental and social changes occurring to delta ecosystems, with the aim of helping farmers adapt and maintain their livelihoods.
The project explores how the Mekong and Red River Deltas are adapting to salinity intrusion — particularly, how cropping patterns are shifting between paddy rice, rice-shrimp farming, and saline aquaculture. This adaptation to increasing salt water levels has immense consequences for soil quality, biodiversity, and livelihoods. DeltAdapt will also develop options that help farmers minimise the removal of topsoil and reverse soil fertility loss.
Funded by the German Federal Ministry of Education and Research (BMBF), this project responds to the central aims of the German National Research Strategy BioEconomy 203. It delivers practice-oriented information to enable the sustainable shaping of agricultural landscapes of coastal agro-ecosystems. The research approach and the implementation of the results are based on the dual involvement of German and Vietnamese scientists and project stakeholders.