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Insights Market Insights Taper Talk
Taper Talk
Federal Reserve Board1
As expected, the Federal Open Market Committee (FOMC) kept the range for the federal funds rate unchanged at 0.00% to 0.25% at the conclusion of its September meeting. While the Federal Reserve (Fed) did not tweak its forward guidance or quantitative easing policies, it did reinforce Chairman Powell's statements from the Jackson Hole Economic Symposium. Of note, the Fed increased the reverse repurchase (RRP) counterparty limit from $80 billion to $160 billion and signaled that a moderation of their monthly asset purchase program "may soon be warranted." While Chairman Powell acknowledged that persistent supply bottlenecks are contributing to higher inflation expectations, the Fed maintained its view that the recent inflation pressures are transitory, slightly modifying its press release to read "inflation is elevated, largely reflecting transitory factors."
The September meeting included an update of the Fed's summary of economic projections. The 2022 "dot plot" now shows that half of the 18 voting members believe a rate hike is appropriate in 2022, an increase from seven members in the June projection. Only one voting member does not forecast a rate hike in 2023, while 17 out of the 18 voting members expect rates to move above the lower bound. The median expectation for the fed funds rate is 1.0% at the end of 2023. The FOMC added a new data point for 2024, where the median expectation is 1.8% at the end of 2024. The FOMC downgraded its 2021 real gross domestic product (GDP) forecast to 5.9% from 7.0% estimated in June. The downgrade in GDP can be attributed to rising COVID-19 case counts from the delta variant. Additionally, the Committee increased its inflation projections to 4.2% for 2021, up from its June forecast of 3.4%, for personal consumption expenditures (PCE). In addition, it estimates core PCE rising to 3.7% for 2021, higher than the 3.0% forecast in June, but ultimately leveling out marginally above 2% in the years following.
While the Fed downgraded projections for some metrics, it is unlikely to change their expected tapering timeline, barring a substantial surprise in equity markets or non-farm payrolls.
European Central Bank1
At the European Central Bank's (ECB) policy meeting on September 9, President Lagarde and the policy committee left the ECB deposit rate unchanged at -0.50%, as expected. The committee kept the size of the pandemic emergency purchase program (PEPP) and asset purchase program unchanged. However, the ECB decided to reduce the pace of purchases under the PEPP in response to elevated inflation levels. The release noted, "Governing Council judges that favorable financing conditions can be maintained with a moderately lower pace of net asset purchases under the PEPP than in the previous two quarters." It will conduct asset purchases with the same flexibility at a reduced pace while ensuring financial conditions remain accommodative and does not risk the economic recovery. The ECB also pointed out it is not required to deploy all the capital within the PEPP. The Governing Council will continue to monitor all incoming data and adjust policy as necessary to stabilize inflation at 2%.
Bank of England1
The Bank of England Monetary Policy Committee (MPC) voted unanimously to maintain the Bank Rate at 0.10% and voted 7-2 in favor of leaving the size of its U.K. government bond purchase program unchanged at the conclusion of its September 23 meeting. Similar to the Federal Reserve, the MPC noted signs of slowing growth against the backdrop of rising COVID-19 case counts and supply constraints. It revised down its third quarter GDP targets by nearly 1.00% since its last report (August). Overall, there is a greater sense of uncertainty from the Bank of England regarding the outlook, which suggests to us officials are adopting a wait-and-see approach.
DISPLAY 1: Overnight Rates
DISPLAY 2: LIBOR Rates
DISPLAY 3: Yield Curves
MSLF EURO LIQUIDITY FUND (LVNAV)
The flattening/inversion of the euro yield curve is now well established and term rates are almost flat from overnight out to 6-months. The European Central Bank's dovish new forward guidance, as well as the scale of excess liquidity in the system, has done little to abate this. We have seen our overnight deposit levels being reduced by some counterparties, further reducing our capacity. In the run up to quarter-end we reduced our overnight exposure, targeting maturities just beyond both the quarter-end and year-end periods. Tail end bonds have continued to look attractive relative to money market instruments, and we have continued to look for opportunities in this space, particularly for January maturities. These assets were complemented with short-dated commercial paper, which provided a yield pick-up over overnight securities. Fund size was relatively unchanged over the month, increasing from circa €9.6 billion to €9.7 billion, while WAM and WAL largely stayed in the mid to high 40 days.
MSLF STERLING LIQUIDITY FUND (LVNAV)
The sterling yield curve steepened in September following stronger macro data releases and a hawkish Bank of England meeting, where the Monetary Policy Committee noted that "some developments" since the August meeting had strengthened the case for tighter policy. However, movements at the front end of the curve have been dampened by high levels of excess liquidity and year-end pressures, despite markets anticipating an interest rate hike before 2022. There has been a disappointing lack of opportunities in the floating-rate note space. However, we have been active in the secondary markets and will continue to look for further opportunities here. The Fund gained assets early in the month, touching an all-time high of just under £8.0 billion on 8 September, before outflows took the Fund size back down to circa £7.7 billion to close the month relatively unchanged. Weekly liquid assets have remained fairly elevated, as we added a number of eligible assets maturing beyond the year-end crunch period.
MSLF U.S. DOLLAR LIQUIDITY FUND (LVNAV)
As anticipated, Fed officials left interest rates near zero at the September FOMC meeting, while notably increasing the reverse repurchase (RRP) counterparty limit from $80 billion to $160 billion and signaling that a moderation of their monthly asset purchase program "may soon be warranted." Throughout the month, broader market volatility caused by concerns over the debt ceiling limit and headlines out of China did not flow through to the money market space, with 3-month LIBOR remaining range-bound near all-time lows and the Fed RRP facility continuing to take daily submissions in excess of $1 trillion, with a new high water mark at $1.605 trillion reached on quarter-end. With a flat yield curve not compensating to extend maturities and take on additional credit and interest rate risk, we remain patient in our investment approach, waiting for dislocations in pricing before putting capital to work. Portfolio WAM (weighted average maturity) and WAL (weighted average life) organically rolled down throughout the month, with weekly liquidity hovering near 60% to end the quarter.
MSLF U.S. DOLLAR TREASURY LIQUIDITY FUND (PUBLIC DEBT CNAV)
At the September FOMC meeting, interest rates remained on hold, as widely expected. The Committee's taper plans were not yet shared with the markets, but the potential for an announcement rose and is expected at some point this year, potentially at the November meeting. Congressional gridlock on the debt ceiling continued all month. The Treasury bill market started to price in some concern as yields moved higher in the mid-October through mid-November bills versus surrounding bills. With no clear path to a debt ceiling resolution, this maturity range would be most affected if the government had a technical default on its obligations. As highlighted in our prior communications, over the summer, we had proactively sold out of all Treasury positions that matured in the months of October and November at attractive bids when the markets were not pricing in concern. Preserving capital is a primary goal in the portfolios, and the risk/ reward of owning October or November Treasuries was not compelling. At quarter-end, the volume in the RRP facility hit a new high at $1.605 trillion, underscoring supply scarcity and a continued lack of attractive investment options. With an extremely flat yield curve (excluding higher bill yields on October and November bill yields as mentioned), we continued to invest a significant amount of cash in overnight repurchase agreements and to manage the portfolios to be responsive to changes in market conditions and interest rate levels.
12 Month Performance Periods to Latest Month End (%)
Past performance is not a reliable indicator of future results. The net performance data shown is calculated net of annual fees. The sources for all performance and Index data is Morgan Stanley Investment Management. Please visit our website www.morganstanley.com/im to see the latest performance returns for the fund's other share classes.
1 Source: Bloomberg.
The Global Liquidity team aims to effectively meet clients' unique cash and working capital needs, offering a broad range of money market funds, ultra short bond funds and customized separate account solutions.
Fed Begins Tapering While BoE Defers Rate Hike
Chairman Powell announced that the Fed will start reducing its monthly bond purchases in November while global central banks discuss their post-COVID monetary policies. See our discussion of what happened in November and how our portfolios are positioned.
Taper Time
Central Banks Tolerate Rise in Long-Term Rates
Central Banks were more optimistic about the economic recovery, however, policy was left unchanged during the month. See our discussion of what happened in March and how our portfolios are positioned.
EU Cross Border Distribution of Funds Important Disclosure
This is a marketing communication. Applications for shares in the Fund should not be made without first consulting the current Prospectus and the Key Investor Information Document ("KIID"), which are available in English and in the official language of your local jurisdiction at https:// www.morganstanley.com/pub/content/imweb/im/en-gb/liquidity-investor/ or free of charge from the Registered Office of Morgan Stanley Liquidity Funds, European Bank and Business Centre, 6B route de Trèves, L-2633 Senningerberg, R.C.S. Luxemburg B 29 192. A summary of investor rights is available in English at the same website.
If the management company of the relevant Fund decides to terminate its arrangement for marketing that Fund in any EEA country where it is registered for sale, it will do so in accordance with the relevant UCITS rules.
The risk and reward category shown is based on historic data.
Historic figures are only a guide and may not be a reliable indicator of what may happen in the future.
As such this category may change in the future.
The higher the category, the greater the potential reward, but also the greater the risk of losing the investment. Category 1 does not indicate a risk free investment.
The fund is in this category because it invests in money market securities and the fund's simulated and/or realised return has experienced low rises and falls historically.
This rating does not take into account other risk factors which should be considered before investing, these include:
The value of bonds are likely to decrease if interest rates rise and vice versa.
Issuers may not be able to repay their debts, if this happens the value of your investment will decrease. This risk is higher where the fund invests in a bond with a lower credit rating.
The fund relies on other parties to fulfill certain services, investments or transactions. If these parties become insolvent, it may expose the fund to financial loss.
While it is intended that the distributing share classes will maintain a share price of €1/$1/£1 this may not be achieved due to the creditworthiness of the issuers of investments held or changes in interest rates.
Please refer to the Prospectus for full risk disclosures. All data as of 30 September 2021 and subject to change daily.
INDEX INFORMATION
One week Euro LIBID Index – One week London Interbank Bid Rate - The average interest rate which major London banks borrow Eurocurrency deposits from other banks. One Month Euro LIBID Index – One month London Interbank Bid Rate - The average interest rate which major London banks borrow Eurocurrency deposits from other banks. Euro Overnight Index Average (EONIA) – the standard interest rate at which banks provide loans to each other with a duration of 1 day within the Eurozone. FTSE 1 Month Treasury Bill Index – index calculated by FTSE that is an average of the last one month Treasury bill month-end rates. One Week USD LIBID Index – 1 week London Interbank Bid Rate - The average interest rate which major London banks borrow deposits from other banks. One Month USD LIBID – 1 month London Interbank Bid Rate - The average interest rate which major London banks borrow deposits from other banks. FED Funds – excess cash reserves that commercial banks and other financial institutions deposit at regional Federal Reserve banks; these funds can be onward lent to other market participants with insufficient cash on hand to meet their lending and reserve needs. One Week GBP LIBID Index – 1 week London Interbank Bid Rate - The average interest rate which major London banks borrow deposits from other banks. One Month GBP LIBID – 1 month London Interbank Bid Rate - The average interest rate which major London banks borrow deposits from other banks. SONIA – the standard interest rate at which banks provide loans to each other with a duration of 1 day within the Sterling market.
Weighted average maturity (WAM) – measures the weighted average of the maturities of the portfolio's individual holdings, taking into account reset dates for floating rate securities. Weighted average life (WAL) – measures the weighted average of the maturities of the portfolio's individual holdings. Public Debt Constant Net Asset Value (CNAV) MMF – a MMF qualifying and authorised as a Public Debt CNAV MMF in accordance with MMF Regulation which seeks to maintain a stable NAV and invests 99.5% of its assets in money market instruments issued or guaranteed by sovereign entities, reverse repurchase agreements secured with government debt and cash. Low Volatility Net Asset Value (LVNAV) MMF – a MMF qualifying and authorised as a LVNAV MMF in accordance with MMF Regulation which seeks to maintain a stable NAV under the condition that the stable NAV does not deviate from the NAV per Share by more than 20 basis points. In case of a deviation of more than 20 basis points between the stable NAV and the NAV per Share, the following redemption or issue of Shares shall be undertaken at a price that is equal to the NAV per Share.
This communication is only intended for and will only be distributed to persons resident in jurisdictions where such distribution or availability would not be contrary to local laws or regulations. In particular, the Shares are not for distribution to US persons.
Ireland: MSIM Fund Management (Ireland) Limited. Registered Office: The Observatory, 7-11 Sir John Rogerson's Quay, Dublin 2, D02 VC42, Ireland. Registered in Ireland as a private company limited by shares under company number 616661. MSIM Fund Management (Ireland) Limited is regulated by the Central Bank of Ireland. United Kingdom: Morgan Stanley Investment Management Limited is authorised and regulated by the Financial Conduct Authority. Registered in England. Registered No. 1981121. Registered Office: 25 Cabot Square, Canary Wharf, London E14 4QA, authorised and regulated by the Financial Conduct Authority. Dubai: Morgan Stanley Investment Management Limited (Representative Office, Unit Precinct 3-7th Floor-Unit 701 and 702, Level 7, Gate Precinct Building 3, Dubai International Financial Centre, Dubai, 506501, United Arab Emirates. Telephone: +97 (0)14 709 7158). Germany: MSIM Fund Management (Ireland) Limited Niederlassung Deutschland, Grosse Gallusstrasse 18, 60312 Frankfurt am Main, Germany (Gattung: Zweigniederlassung (FDI) gem. § 53b KWG). Italy: MSIM Fund Management (Ireland)Limited, Milan Branch (Sede Secondaria di Milano) is a branch of MSIM Fund Management (Ireland) Limited, a company registered in Ireland, regulated by the Central Bank of Ireland and whose registered office is at The Observatory, 7-11 Sir John Rogerson's Quay, Dublin 2, D02 VC42, Ireland. MSIM Fund Management (Ireland) Limited Milan Branch (Sede Secondaria di Milano) with seat in Palazzo Serbelloni Corso Venezia, 16 20121 Milano, Italy, is registered in Italy with company number and VAT number 11488280964. The Netherlands: MSIM Fund Management (Ireland) Limited, Rembrandt Tower, 11th Floor Amstelplein 1 1096HA, Netherlands. Telephone: 31 2-0462-1300. Morgan Stanley Investment Management is a branch office of MSIM Fund Management (Ireland) Limited. MSIM Fund Management (Ireland) Limited is regulated by the Central Bank of Ireland. France: MSIM Fund Management (Ireland) Limited, Paris Branch is a branch of MSIM Fund Management (Ireland) Limited, a company registered in Ireland, regulated by the Central Bank of Ireland and whose registered office is at The Observatory, 7-11 Sir John Rogerson's Quay, Dublin 2, D02 VC42, Ireland. MSIM Fund Management (Ireland) Limited Paris Branch with seat at 61 rue de Monceau 75008 Paris, France, is registered in France with company number 890 071 863 RCS. Spain: MSIM Fund Management (Ireland) Limited, Sucursal en España is a branch of MSIM Fund Management (Ireland) Limited, a company registered in Ireland, regulated by the Central Bank of Ireland and whose registered office is at The Observatory, 7-11 Sir John Rogerson's Quay, Dublin 2, D02 VC42, Ireland. MSIM Fund Management (Ireland) Limited, Sucursal en España with seat in Calle Serrano 55, 28006, Madrid, Spain, is registered in Spain with tax identification number W0058820B. Switzerland: Morgan Stanley & Co. International plc, London, Zurich Branch Authorised and regulated by the Eidgenössische Finanzmarktaufsicht ("FINMA"). Registered with the Register of Commerce Zurich CHE-115.415.770. Registered Office: Beethovenstrasse 33, 8002 Zurich, Switzerland, Telephone +41 (0) 44 588 1000. Facsimile Fax: +41(0) 44 588 1074.
EMEA: This marketing communication has been issued by MSIM Fund Management (Ireland) Limited. MSIM Fund Management (Ireland) Limited is regulated by the Central Bank of Ireland. MSIM Fund Management (Ireland) Limited is incorporated in Ireland as a private company limited by shares with company registration number 616661 and has its registered address at The Observatory, 7-11 Sir John Rogerson's Quay, Dublin 2, D02 VC42, Ireland.
This document contains information relating to the sub-fund ("Fund") of Morgan Stanley Liquidity Funds, a Luxembourg domiciled Société d'Investissement à Capital Variable. Morgan Stanley Liquidity Funds (the "Company") is registered in the Grand Duchy of Luxembourg as an undertaking for collective investment pursuant to Part 1 of the Law of 17th December 2010, as amended. The Company is an Undertaking for Collective Investment in Transferable Securities ("UCITS").
The Funds are not a guaranteed investment and are different from an investment in deposits. The Funds do not rely on external support for guaranteeing the liquidity of the Funds or stabilising the NAV per share. The value of investments and the income from them may go down as well as up and you may not get back the amount you originally invested.
The Funds are authorised to invest up to 100% of their assets in Money Market Instruments issued or guaranteed separately or jointly by a Sovereign Entity and by any other member states of the OECD and their central authorities or central banks subject to certain conditions. Please see Prospectus for further details.
Applications for shares in the Funds should not be made without first consulting the current Prospectus, Key Investor Information Document ("KIID"), Annual Report and Semi-Annual Report ("Offering Documents"), or other documents available in your local jurisdiction which is available free of charge from the Registered Office: European Bank and Business Centre, 6B route de Trèves, L-2633 Senningerberg, R.C.S. Luxemburg B 29 192.
Any index referred to herein is the intellectual property (including registered trademarks) of the applicable licensor. Any product based on an index is in no way sponsored, endorsed, sold or promoted by the applicable licensor and it shall not have any liability with respect thereto.
The views and opinions expressed are those of the portfolio management team at the time of writing/of this presentation and are subject to change at any time due to market, economic, or other conditions, and may not necessarily come to pass. These comments are not representative of the opinions and views of the firm as a whole. Holdings, countries and sectors/region weightings are subject to change daily. All information provided is for informational purposes only and should not be deemed as a recommendation to buy or sell securities in the sectors and regions referenced. Information regarding expected market returns and market outlook is based on the research, analysis, and opinions of the team. These conclusions are speculative in nature, may not come to pass, and are not intended to predict the future of any specific Morgan Stanley Investment Management investment. Past performance is no guarantee of future results.
The material contained herein has not been based on a consideration of any individual client circumstances and is not investment advice, nor should it be construed in any way as tax, accounting, legal or regulatory advice. To that end, investors should seek independent legal and financial advice, including advice as to tax consequences, before making any investment decision.
The information contained in this communication is not a research recommendation or 'investment research' and is classified as a 'Marketing Communication' in accordance with the applicable European or Swiss regulation. This means that this marketing communication (a) has not been prepared in accordance with legal requirements designed to promote the independence of investment research (b) is not subject to any prohibition on dealing ahead of the dissemination of investment research.
MSIM has not authorised financial intermediaries to use and to distribute this document, unless such use and distribution is made in accordance with applicable law and regulation. MSIM Ireland shall not be liable for, and accepts no liability for, the use or misuse of this document by any such financial intermediary. If you are a distributor of the Morgan Stanley Liquidity Funds, some or all of the funds or shares in individual funds may be available for distribution. Please refer to your sub-distribution agreement for these details before forwarding fund information to your clients.
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Please be aware that liquidity instruments may be subject to certain additional risks. Fixed-income securities are subject to the ability of an issuer to make timely principal and interest payments (credit risk), changes in interest rates (interest-rate risk), the creditworthiness of the issuer and general market liquidity (market risk). In a rising interest-rate environment, bond prices may fall. In a declining interest-rate environment, the portfolio may generate less income.
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"HPV vaccination has the potential to prevent up to three out of four HPV-associated cancers," said lead study author Dr. Lauri Markowitz of the Centers for Disease Control and Prevention in Atlanta.
HPV is among the most common sexually transmitted diseases. Most infections don't cause symptoms and go away on their own, but the virus is a still leading cause of cancer deaths among women worldwide. It can also cause genital warts and lesions in the upper respiratory tract.
The news is likely to serve as a welcome energizer in the tumultuous struggle to encourage HPV vaccination in the United States. Despite the vaccine's proven effectiveness, immunization rates remain low — about 40 percent of girls and 20 percent of boys between the ages of 13 and 17. That is partly because of the implicit association of the vaccine with adolescent sexual activity, rather than with its explicit purpose: cancer prevention. Only Virginia, Rhode Island and the District of Columbia require the HPV vaccine.


128 E. Sixth St., Newton, on Thursday, July 16, 6 to 8 p.m. Music and refreshments will be provided. The event is free and open to the public.
Carriage Factory Art Gallery, 128 E. Sixth St., Newton, will celebrate the art of Patty Knupp and honor her courageous life in a special exhibit of selected pieces of her artwork Thursday, July 16, 6 to 8 p.m., in the mezzanine gallery. Her art will be on display and for sale through September 10.
Patty Knupp was a wife, mother, manager of her household, award-winning artist and art teacher. She also was paralyzed, except for movement of her head and slight movement in her left wrist.
Knupp was stricken with polio the day after she gave birth to her daughter Alika. She was flown to a hospital in Omaha where she stayed for almost two years. She and her family then moved to Newton, where she had grown up. Although she was confined to a bed, she accomplished activities with the help of her family, including her daughters, Margie, Alika and Kathy.
She had been interested in painting before she contracted polio, and she developed the interest further. She had help attaching a sling onto her arm at the wrist and elbow, taping a brush onto two fingers of her left hand. That's how she painted. She taught basic art to anyone who was interested — from preschool age to adult. They started with sketching, then did still life and watercolors. She used a respirator attached to her chest to help her breathe. Despite her physical limitations, she lived life to the fullest, sharing her love of art with others.
The July 16 event is free and open to the public. Music will be provided by Barrick Wilson on piano, and refreshments will be served.


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Cruise News Carnival Cruise Line Construction Begins on Carnival Cruise Line's First Mega Cruise Ship
Construction Begins on Carnival Cruise Line's First Mega Cruise Ship
By Ben Souza
Cruise NewsCarnival Cruise Line
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The first piece of steel was cut on a new class of cruise ships for Carnival Cruise Line. The 180,000 gross ton vessel will be the largest ship in Carnival's fleet when the ship goes into service in 2020.
The ship's dramatic new hull design and livery pays homage to Carnival Cruise Line's legacy as America's Cruise Line.
The traditional steel-cutting ceremony held at the Meyer Turku shipyard in Turku, Finland, signified the official start of construction of the largest Carnival Cruise Line ship ever constructed, to be delivered in 2020. A second XL ship will start construction in 2020 and be delivered in 2022 to mark the 50th anniversary of Carnival Cruise Line's founding.
At the ceremony, the company also revealed a dramatic new red, white and blue hull design that celebrates its legacy as America's Cruise Line and pays homage to maritime tradition. Developed by New York-based Bluarch Architecture, the design builds upon the company's iconic color scheme that has made Carnival one of the most recognizable brands in travel and is highlighted by a stately navy blue hull inspired by officers' uniforms along with vibrant red and white accents running the entire length of the 1,130-foot-long ship.
Following the steel-cutting ceremony, construction began on the 5,200-plus lower berth ship which will offer a variety of never-before-seen innovations and will be the first North American-based cruise ship to be powered by LNG, part of Carnival Corporation's "green cruising" design platform.
As previously announced, the as-yet-unnamed cruise ship will operate from Port Canaveral, Fla., beginning in 2020. The ship's name is scheduled to be revealed in early December. Details on the ship's inaugural season are planned to be announced in January, with information on the vessel's vast array of exciting culinary, beverage and entertainment options to be revealed later in 2019.
View Best Prices on Carnival Cruises
Christine Duffy, president of Carnival Cruise Line, gave the following statement about this new cruise ship: "This new ship promises to be truly special, from its groundbreaking technology and one-of-a-kind features to its distinctive livery and hull design that is both timeless and forward-thinking while paying tribute to our nearly 50-year history of making wonderful vacation memories for our guests."
Cruise Fever will have all details on this new cruise ship from Carnival Cruise Line when they are announced.
Learn the cruise secrets most people don't know and cruise like a boss. Check out Intelligent Cruiser here for a better cruise vacation. (Sponsored)
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Ben Souza
Ben is a world traveler who has visited 42 countries and taken over 50 cruises. His writings have appeared and been cited in various media outlets such as Yahoo News, MSN, NPR, Drudge Report, CNN, Fox, and ABC News. Ben currently resides in Cincinnati, Ohio. Follow Ben on Instagram. Visit Ben Souza on Linkedin. You may email Ben at [email protected]
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19th Carnival Cruise Ship Resumes Cruises
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Carnival Cruise Line resumed cruises from another U.S. homeport this week when Carnival Sunshine began sailing from Charleston, South Carolina. Carnival Sunshine's first cruise back...
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Cruise Ships Are Finally Back to Visiting Grand Turk
Grand Turk, one of the most popular ports in the Eastern Caribbean, has finally reopened to cruise ships. Carnival Freedom stopped in Grand Turk today...
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Two brothers started Cruise Fever in 2011 when they decided they couldn't stop cruising so they might as well write about it. Do you have Cruise Fever too? Follow along on this incredible voyage!
© 2011-2021, Cruise Fever ®. All rights reserved

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During the legendary days of Le Mans in 1995, a renowned little racing company from Woking, U.K., managed to take out three memorable wins in a field of formidable competition. That winning car was the McLaren F1 GTR emblazoned with the iconic Harrods department store branding and finished in British yellow and green livery. Twenty years on, McLaren have done something special by creating the P1 GTR – a modern, hi-tech rendition of the same winning car from 1995.
The bad news? Unless you're an Arabian oil tycoon, you won't get anywhere near the new car which will be available for well-heeled clients partaking in McLaren's custom track program. The good news? McLaren made this video featuring both father and son vehicles to celebrate the grand occasion. The oldschool F1 features a BMW powered V12 engine whilst the latest P1 is a different kind of beast, marrying advanced hybrid technology with a twin turbo V8. Who will win on the track?
Take a look at the video below, place your bets and hope that McLaren releases another video when their latest track weapon is unveiled at the Geneva Motor Show in a week's time.


President Barack Obama recently traveled to Hannover to show support for German Chancellor Angela Merkel. Obama and Merkel attended a trade fair where they had the chance to try out some virtual reality technology. The duo seemed to have a good time together as they got to try out some new gadgets and share a few laughs.


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Developers tell us that planning conditions are a blockage to starting schemes. We work with developers to tackle planning conditions at pre-application stage. Wherever possible we make sure that as much detail as possible is agreed up front, avoiding the need for conditions that would be time consuming for both parties to deal with after a decision.
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Contact us to discuss your development and investment ideas.
We hold bi-annual Planning Agent Panel meetings to give customers a chance to discuss the service with senior management. The feedback we get helps us to keep improving and make sure we're always on track. Let us know if you're interested in being part of this process.


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REVIEW: Sleaford Mods – 'Spare Ribs' (Rough Trade)
in Best New Music, New Album Releases, Reviews
In a sentence:
Fizzing with acidic wit and eloquent anger, 'Spare Ribs' is Sleaford Mods' most sonically adventurous album so far, and one of their very best.
With each passing year, Sleaford Mods' artistry seems ever more familiar and reliable yet more urgent, more needed than ever before. As long as the state of Britain continues to worsen, the scabrous voice of Jason Williamson will always be a beacon. The context into which their latest album Spare Ribs arrives is one of a country ravaged by Coronavirus and Conservatives, of an internecine culture war in which the basics of civility seem to be dismissed as snowflake virtue signalling and the trumpeting of ignorance a badge of honour.
In this respect, everything's all present and correct in the way we've all come to expect from any Sleaford Mods album. Williamson's lyrical cannonades brim with wit, sarcasm and anger, taking aim at inequality, materialism, music industry networking and the bovine political unconsciousness of his fellow man. As ever, it's not the words themselves, but the nature of their delivery on record, that makes them great.
READ MORE: Sleaford Mods // 'All That Glue' – album review
But the true revelation of Spare Ribs is the subtly expanding palette of Williamson's bandmate Andrew Fearn. The silent partner in Sleaford Mods, Fearn's role often goes underappreciated, not least because during live performances he appears to just press keys on a laptop and frug out with a can of lager next to Williamson's physical, intense vocal tirades. But his skeletal rhythmical vehicles of bare beats and bass have very gradually been fleshed out with more detail as the years and albums have gone by. Having been recorded quickly under lockdown, the nature of Spare Ribs' creation seems to have fitted Fearn's style down to the ground – with no time to overthink anything, his economical musical backdrops throb with vitality, introducing us to some elements we've not heard in Sleaford Mods' output before yet retaining the band's unmistakable sense of identity in the process.
Take the title track 'Spare Ribs', for starters. Threading a taut, funky bassline through rolling waves of 808-esque beats reminiscent of Chicago house or a rudimentary version of Kraftwerk, it's unlike anything the group have made thus far, but it also absolutely suits them. The spectral accompaniments to lead single 'Mork n Mindy', pairing Williamson with one of the group's spiritual children Billy Nomates, show that abrasive vitriol isn't necessary at all for Sleaford Mods to be absorbing. The energetic hi-hats of 'All Day Ticket', the queasy pricks of synth of 'I Don't Rate You' and the bleeping textures of 'Top Room' all offer a divergence from the common perception of what the group can sound like.
Back on the lyrical front, Williamson is firing on all cylinders. The lockdown is explicitly mentioned once on the raging 'Out There', an attack on narrow-mindedness and privilege alluding to "panic behind the tills". On 'Elocution', he addresses the same themes but specifically within the music industry ("I wish I had the time to be a wanker just like you / And maybe then I'd be somewhere lovely and warm, just like you"). What elevates them above most politically explicit acts is that Williamson doesn't litter his tirades with time-specific references, meaning they tend to age well and remain relevant years later. Sure, they make reference to the creepy, lockdown-breaking spad on the clipped, springy 'Shortcummings', but the lyrical content of the track itself ensures it won't date – themes of one rule for us, another for the elites are timeless.
Spare Ribs underlines just how much Sleaford Mods have evolved as a group, yet, paradoxically, also reminds us of how little they've changed in the seven years or so it's been since they achieved wider status. On this evidence, it's easy to see Jason Williamson and Andrew Fearn excelling at what they do for many years to come, and achieving the same kind of cult immortality as The Fall. (8/10) (Ed Biggs)
Listen to Spare Ribs by Sleaford Mods here via Spotify, and tell us what you think below!
Tags: Andrew Fearn, Ed Biggs, review, Roguh Trade, Sleaford Mods, Spare Ribs
Ed Biggs
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SecureGive Donation
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Brown's Photo Gallery
Pastors NoteBook
The Gospel of Matthew 8:1-4 (5-27-20)
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3-The Gospel of Matthew – 1_6b-11 (8-29-17)
4-The Gospel of Matthew – 1_12-17 (1-10-18)
5 – The Gospel of Matthew – 2 1-12
6 – The Gospel of Matthew – 2 13-23
10 – The Gospel of Matthew – 5 13-16
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16 – The Gospel of Matthew – 6: 1-4
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Sick And Shut In
History of Brown Memorial AME Church
In 1883, a small framed church was organized on Capitol Hill in Northeast Washington, D.C. That church, Mt. Sinai A.M.E. Church, served the citizens of that busy neighborhood for 10 years. In 1893, the Bishop John Mifflin Brown, Presiding Elder G.R. Lee and the pastor Reverend W.A. Johnson decided to tear down the old church and build a new one. Later that year, a new structure arose from the shadow of Mt. Sinai A.M.E Church. To honor the leadership and inspiration of Bishop Brown, the new building bore his name and became, Brown Memorial A.M.E Church. It was under the pastorate of the Rev. I.M. Gray that the mortgage was paid off and the church was redecorated.
For the second time, in 1959, the church's structure was torn down to erect a new church. At that time, its pastor Rev. Alexander J. Mattison and 32 church members started a Building Fund by donating $100 each. The cost of the edifice exceeded $279,000 and was dedicated on June 5, 1960, by Bishop George W. Baber, Presiding Prelate of the Second Episcopal District. With the faithful support of his officers and members, Rev. Mattison was able liquidate the debt of the new church by June 1970 – within 10 short years. Brown has a rich history, prestigious status, and distinguished legacy on Capitol Hill. Brown is the nearest A.M.E. church to the U.S. Capitol; the first to use women officers on Steward and Trustee Boards; and has won several citywide awards for its youth choir and civic community service activities.
Brown has continued to reinforce its position as a friend to its neighbors in the community. Over the years properties neighboring the church were purchased not only for the benefit of the members, but also for the community-at-large. The buildings were used to continue Brown's steadfast tradition of community outreach and youth development. They have been used to distribute clothing and food to the homeless, fair rental housing, church office, and as a meeting place for Scout Troops and civic organizations. Brown has been known as "The Friendly Church With The Open Door" and "Holy Ghost Headquarters on Capitol Hill."
Since its inception, 23 spiritual ministers have pastored Brown and Rev. W. A. Johnson was its first Pastor. One of Brown's mainstays in the last millennium was Rev. Mattison who served as pastor for 32 years, from 1951-1983. He was followed by Rev. Edgar L. James, from 1983 -1993; Rev. Henry Y. White, from 1993 – 2013; and Rev. Charles D. Smith who served faithfully from 2013 until his sudden passing in January 2017. Following Rev. Smith's death, the church was in mourning and Rev. Dianne Coles served admirably as interim Pastor. In April 2017, Bishop James L. Davis, Presiding Prelate of the Second Episcopal District, appointed Rev. Marlene R. Mitchell as its Pastor. Rev. Mitchell is Brown's first female Pastor and she is faithfully leading its mission of religious growth, Christian outreach, and youth development.
Devoted members of Brown continue the work started in years past through about 20 ministries, including: Manna, Health, Women of Faith, A. J. Mattison Men's, Young Adult, Music, Usher's, L W. Medley Lay Organization, Church School, and Multimedia and Technology. With youth development as a major initiative, the Lillian M. Gary Scholarship Fund continues to assist Brown's high school graduates and college students in their pursuit of higher education. In the new millennium, with widespread gentrification in the D.C. area, Brown proudly remains on Capitol Hill and stands as a beacon of spiritual light to all who come within its open doors.
What We Believe..
The Motto "God Our Father, Christ Our Redeemer, the Holy Spirit Our Comforter, Humankind Our Family" is a great summary of what the African Methodist Episcopal Church believes.
Also known as the A.M.E. Church for short, the denomination is Methodist in terms of its basic doctrine and order of worship. It was born, through adversity, of the Methodist church and to this day does not differ in any major way from what all Methodists believe. The split from the main branch of the Methodist Church was not a result of doctrinal differences but rather the result of a time period that was marked by man's intolerance of his fellow man, based on the color of his skin. It was a time of slavery, oppression and the dehumanization of people of African descent and many of these un-Christian practices were brought into the church, forcing Richard Allen and a group of fellow worshippers of color to form a splinter denomination of the Methodist Church. To find the basic foundations of the beliefs of the African Methodist Episcopal Church, you need look no further than The Apostles' Creed and The Twenty Five Articles of Religion:
I believe in God the Father Almighty, Maker of heaven and earth, and in Jesus Christ his only son our Lord who was conceived by the Holy Spirit, born of the Virgin Mary, suffered under Pontius Pilate, was crucified, dead; and buried. The third day he arose from the dead' he ascended into heaven and sitteth at the right hand of God the Father Almighty; from thence he shall come to judge the quick and the dead. I believe in the Holy Spirit, the Church Universal, the communion of saints, the forgiveness of sins, the resurrection of the body and the life everlasting. Amen.
ARTICLES OF OUR FAITH
OF FAITH IN THE HOLY TRINITY
There is but one living and true God, everlasting, without body or parts, of infinite power, wisdom and goodness; the maker and preserver of all things, both visible and invisible. And in unity of this God-head, there are three persons of one substance, power and eternity; the Father, the Son and the Holy Ghost.
OF THE WORD OR SON OF GOD, WHO WAS MADE VERY MAN
The Son, who is the Word of the Father, the very and eternal God, of one substance with the Father, took man's nature in the womb of the blessed Virgin; so that two whole and perfect natures, that is to say, the God-head and manhood, were joined together in one person, never to be divided, whereof is one Christ, very God and very man, who suffered, was crucified, dead and buried, to reconcile his Father to us, and to be a sacrifice, not only for original guilt, but also for actual sins of men.
OF THE RESURRECTION OF CHRIST
Christ did truly rise from the dead, and took again his body with all things appertaining to the perfection of man's nature, wherewith he ascended into heaven, and sitteth until he returns to judge all men at last day.
OF THE HOLY GHOST
The Holy Ghost, proceeding from the Father and the Son, is of one substance, majesty and glory with the Father and the Son, very and eternal God.
THE SUFFICIENCY OF THE HOLY SCRIPTURES FOR SALVATION
The Holy Scripture containeth all things necessary to salvation; so that whatever is not read therein, nor may be proved thereby, is not to be required of any man, that it should be believed as an article of faith, or be thought requisite or necessary to salvation. In the name of the Holy Scriptures, we do understand those canonical books of the Old and New Testament, of whose authority was never any doubt in the Church.
The Names of the Canonical Books:
The First Book of Samuel
The Second Book of Samuel
The First Book of Kings
The Second Book of Kings
The First Book of Chronicles
The Second Book of Chronicles
The Book of Ezra
The Book of Nehemiah
The Book of Job
The Book of Psalms
The Book of Lamentations
The Proverbs
Ecclesiastes, or the Preacher
Cantica, or Songs of Solomon
Four Prophets, the Greater
Twelve Prophets, the Lesser
All the books of the New Testament as they are commonly received, we do receive and account canonical.
OF THE OLD TESTAMENT
The Old Testament is not contrary to the New; for both in the Old and the New Testament, everlasting life is offered to mankind by Christ, who is the only Mediator between God and man, being both God and man. Wherefore, they are not to be heard, who feign that the old fathers did look only for transitory promises. Although the law given from God by Moses, as touching ceremonies and rites, doth not bind Christians, nor ought the civil precepts thereof of necessity be received in any commonwealth; yet notwithstanding, no Christian whatsoever is free from the obedience of the Commandments, which are called moral.
OF ORIGINAL OR BIRTH SIN
Original sin standeth not in the following of Adam (as the Pelagians do vainly talk) but it is the corruption of the nature of every man, that naturally is engendered of the offspring of Adam, whereby man is very far gone from original righteousness, and of his own nature inclined to evil, and that continually.
OF FREE WILL
The condition of man after the fall of Adam is such that he cannot turn and prepare himself by his own natural strength and works to faith, and calling upon God; wherefore, we have no power to do good works, pleasant and acceptable to God, without the grace of God; by Christ preventing us, that we may have a good will, and working with us, when we have that good will.
OF THE JUSTIFICATION OF MAN
We are accounted righteous before God only for the merit of our Lord and Savior, Jesus Christ, by faith, and not by our own works or deservings; wherefore, that we are justified by faith only, is a most wholesome doctrine, and very full of comfort.
OF GOOD WORKS
Although good works, which are the fruit of faith, and follow after justification, cannot put away our sins, and endure the severity of God's judgments: yet are they pleasing and acceptable to God in Christ, and spring out of a true and lively faith, insomuch that they by them a lively faith may be as evidently known, as a tree is discerned by its fruit.
OF WORKS OF SUPEREROGATION
Voluntary works, besides, over and above God's Commandments, which they call works of supererogation, cannot be taught without arrogancy and impiety. For by them men do declare that they do not only render unto God as much as they are bound to do, but that they do more for His sake than of bounden duty is required; whereas Christ said plainly," When ye have done all that is commanded you, say, we are unprofitable servants."
OF SIN AFTER JUSTIFICATION
Not every sin willingly committed after justification is the sin against the Holy Ghost, and unpardonable. Wherefore, the grant of repentance is not to be denied to such as fall into sin after justification. After we have received the Holy Ghost, we may depart from grace given, and fall into sin, and by the grace of God, rise again, and amend your lives. And therefore they are to be condemned who say they can do no more sin as long as they live here; or deny the place of forgiveness to such as truly repent.
OF THE CHURCH
The visible Church of Christ is a congregation of faithful men, in which the pure Word of God is preached, and the sacraments duly administered according to Christ's ordinance, in all those things that of necessity are requisite to the same.
OF PURGATORY
The Romish doctrine concerning purgatory, pardon, worshipping, and adoration, as well as images, as of relics, and also invocations of saints, is a fond thing, vainly invented, and grounded upon no warrant of Scripture, but repugnant of the Word of God.
OF SPEAKING IN THE CONGREGATION IN SUCH A TONGUE AS THE PEOPLE UNDERSTAND
It is a thing plainly repugnant to the Word of God, and the custom of the primitive Church, (to have public prayer in the Church,) or to minister the Sacraments, in a tongue not understood by the people.
OF THE SACRAMENTS
Sacraments ordained of Christ are not only badges or tokens of Christian men's profession, but rather they are certain signs of grace, and God's good will towards us, by the which he doth work invisibly in us, and doth not only quicken, but also strengthen and confirm our faith in Him.
There are two Sacraments ordained of Christ our Lord, in the Gospel; that is to say, Baptism and the Supper of the Lord.
Those five commonly called sacraments, that is to say, Confirmation, Penance, Orders, Matrimony and Extreme Unction, are not to be counted for Sacraments of the Gospel; being such as have partly grown out of the corrupt following of the Apostles; and partly are states of life allowed in the Scriptures, but yet have not the like nature of Baptism and the Lord's Supper, because they have not any visible sign, or ceremony ordained of God.
The Sacraments were not ordained of Christ to be gazed upon, or to be carried about; but that we should duly use them. And in such only as worthily receive the same, they have a wholesome effect or operation; but they that received them unworthily, purchase to themselves condemnation, as St. Paul saith.
OF BAPTISM
Baptism is not only a sign of profession, and mark of difference; but it is also a sign of regeneration, or the new birth. The baptism of young children is to be retained in the church.
OF THE LORD'S SUPPER
The Supper of the Lord is not only a sign of the love that Christians ought to have among themselves one to another, but rather is a Sacrament of our redemption by Christ's death; insomuch, that to such as rightly, worthily, and with faith receive the same, the bread which we break is a partaking of the body of Christ; and likewise the cup of blessing is a partaking of the blood of Christ.
Transubstantiation, or the change of the substance of bread and wine in the Supper of our Lord, cannot be proved by Holy Writ; but is repugnant to the plain words of Scripture, overthroweth the nature of a sacrament, and hath given occasion to many superstitions.
The body of Christ is given, taken and eaten in the Supper, only after a heavenly and spiritual manner. And the means whereby the body of Christ is received and eaten in the Supper, is faith.
The Sacrament of the Lord's Supper is not by Christ's ordinance reserved, carried about, lifted up, or worshipped.
OF BOTH KINDS
The cup of the Lord is not to be denied to the lay people: for both parents of the Lord's Supper, by Christ's ordinance and commandment, ought to administered to all Christians alike.
OF THE ONE OBLATION OF CHRIST, FINISHED UPON THE CROSS
The offering of Christ once made, is that perfect redemption, propitiation, and satisfaction for all the sins of the whole world, both original and actual; and there is none other satisfaction for sin but that alone. Wherefore the sacraments of masses, in which it is commonly said that that priest doth offer Christ for the quick and the dead, to have remission of pain or guilt, is a blasphemous fable, and dangerous deceit.
OF THE MARRIAGE OF MINISTERS
The ministers of Christ are not commanded by God's law either to vow the estate of single life, or to abstain from marriage; therefore, it is lawful for them, as for all other Christians, to marry at their own discretion, as they shall judge the same to serve best to godliness.
OF THE RITES AND CEREMONIES OF CHURCHES
It is not necessary that rites and ceremonies should in all places be the same, or exactly alike; for they have been always different, and may be changed according to the diversity of countries, times, and men's manners, so that nothing be ordained against God's Word. Whosoever, through his private judgment, willingly and purposely, doth openly break the rites and ceremonies of the church to which he belongs, which are not repugnant of the Word of God, and are ordained and approved by common authority, ought to be rebuked openly, that others may fear to do the like, as one that offendeth against the common order of the Church and woundeth the consciences of weak brethren.
Every particular Church may ordain, change, or abolish rites and ceremonies so that all things may be done to edification.
OF THE RULERS OF THE UNITED STATES OF AMERICA
The President, the Congress, the General Assemblies, the Governors, and the Councils of State, as the delegates of the people, are the rulers of the United States of America[1], according to the division of power made to them by the Constitution of the United States, and by the constitution of their respective states and the Councils of States delegates of the people, are the rulers of the United States of America, and by the Constitutions of their respective States. And the said states are a sovereign and independent nation, and ought not to be subject to any foreign jurisdiction.
[1] It is acknowledged that the African Methodist Episcopal Church was organized in the United States. However, the African Methodist Episcopal Church is an international Christian body with constituents around the world, and a Christian witness that is both parochial and global. Article 23 presumes the duty, loyalty and patriotism of our constituents, as citizens of sovereign nations, to obey just laws, to recognize and respect the organizational structure, and to uphold the Constitution of the country or nation-state in which our members hold the rights and privileges of citizenship. Further, obedience to Civil Government is one of the principle duties of all persons, and was honored by our Lord and His Apostles. Though differing in form and policy, all just governments rightfully commend the obedience, loyalty, support, and defense of all Christian men and women they control and protect.
OF CHRISTIAN MEN'S GOODS
The riches and goods of Christians are not common as touching the right, title and possession of the same, as some do falsely boast. Notwithstanding, every man ought, of such things as he possesseth, liberally, to give alms to the poor, according to his ability.
OF A CHRISTIAN MAN'S OATH
As we confess that vain and rash swearing is forbidden Christian men by our Lord, Jesus Christ and James, His apostle: so we judge that the Christian religion doth not prohibit, but that a man may swear when the magistrate requireth, in a cause of faith and charity, so it be done according to the prophet's teaching, in justice, judgment, and truth.
AME Church History
The AMEC grew out of the Free African Society (FAS) which Richard Allen, Absalom Jones, and others established in Philadelphia in 1787. When officials at St. George's MEC pulled blacks off their knees while praying, FAS members discovered just how far American Methodists would go to enforce racial discrimination against African Americans. Hence, these members of St. George's made plans to transform their mutual aid society into an African congregation. Although most wanted to affiliate with the Protestant Episcopal Church, Allen led a small group who resolved to remain Methodists. In 1794 Bethel AME was dedicated with Allen as pastor. To establish Bethel's independence from interfering white Methodists, Allen, a former Delaware slave, successfully sued in the Pennsylvania courts in 1807 and 1815 for the right of his congregation to exist as an independent institution. Because black Methodists in other middle Atlantic communities encountered racism and desired religious autonomy, Allen called them to meet in Philadelphia to form a new Wesleyan denomination, the AME.
The geographical spread of the AMEC prior to the Civil War was mainly restricted to the Northeast and Midwest. Major congregations were established in Philadelphia, New York, Boston, Pittsburgh, Baltimore, Washington, DC, Cincinnati, Chicago, Detroit, and other large Blacksmith's Shop cities. Numerous northern communities also gained a substantial AME presence. Remarkably, the slave states of Maryland, Kentucky, Missouri, Louisiana, and, for a few years, South Carolina, became additional locations for AME congregations. The denomination reached the Pacific Coast in the early 1850's with churches in Stockton, Sacramento, San Francisco, and other places in California. Moreover, Bishop Morris Brown established the Canada Annual Conference.
The most significant era of denominational development occurred during the Civil War and Reconstruction. Oftentimes, with the permission of Union army officials AME clergy moved into the states of the collapsing Confederacy to pull newly freed slaves into their denomination. "I Seek My Brethren," the title of an often repeated sermon that Theophilus G. Steward preached in South Carolina, became a clarion call to evangelize fellow blacks in Georgia, Florida, Alabama, Texas, and many other parts of the south. Hence, in 1880 AME membership reached 400,000 because of its rapid spread below the Mason-Dixon line. When Bishop Henry M. Turner pushed African Methodism across the Atlantic into Liberia and Sierra Leone in 1891 and into South Africa in 1896, the AME now laid claim to adherents on two continents.
While the AME is doctrinally Methodist, clergy, scholars, and lay persons have written important works which demonstrate the distinctive theology and praxis which have defined this Wesleyan body. Bishop Benjamin W. Arnett, in an address to the 1893 World's Parliament of Religions, reminded the audience of the presence of blacks in the formation of Christianity. Bishop Benjamin T. Tanner wrote in 1895 in The Color of Solomon – What? that biblical scholars wrongly portrayed the son of David as a white man. In the post civil rights era theologians James H. Cone, Cecil W. Cone, and Jacqueline Grant who came out of the AME tradition critiqued Euro-centric Christianity and African American churches for their shortcomings in fully impacting the plight of those oppressed by racism, sexism, and economic disadvantage.
Today, the African Methodist Episcopal Church has membership in twenty Episcopal Districts in thirty-nine countries on five continents. The work of the Church is administered by twenty-one active bishops, and nine General Officers who manage the departments of the Church.
130 14th Street NE, Washington DC 20002
Email : BrownMemorialAMEC@gmail.com
Copyright © 2018 brownmemorialamec All Rights Reserved


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A temporada de debates para as eleições legislativas portuguesas de 2022 consiste numa série de debates que se realizarão entre 2 e 18 de janeiro de 2022, com:
 32 frente-a-frentes entre os líderes dos partidos representados na Assembleia da República:
 Secretário-Geral do Partido Socialista António Costa
 Presidente do Partido Social Democrata Rui Rio
 Coordenadora do Bloco de Esquerda Catarina Martins
 Secretário-Geral do Partido Comunista Português Jerónimo de Sousa e, em sua substituição, João Oliveira, Presidente do Grupo Parlamentar do Partido Comunista Português
 Presidente do CDS – Partido Popular, Francisco Rodrigues dos Santos
 Porta-voz do Pessoas-Animais-Natureza Inês Sousa Real
 Presidente do CHEGA André Ventura
 Presidente da Iniciativa Liberal João Cotrim de Figueiredo
 Cabeça-de-lista do Livre por Lisboa Rui Tavares
 1 debate entre todos os líderes partidários com assento parlamentar
 1 debate entre os partidos sem representação na Assembleia da República.
O primeiro debate foi realizado pela RTP1, no dia 2 de janeiro, entre António Costa e Rui Tavares.

Cronologia

Partidos com assento parlamentar
O PCP anunciou a 20 de dezembro de 2021 que não participaria em debates não realizados em canal generalista, por "considerar que a organização de debates não garante princípios básicos de imparcialidade". Consequentemente, os debates previstos entre a CDU e os restantes partidos, à exceção do Partido Socialista e do Partido Social Democrata, foram cancelados.

Partidos sem assento parlamentar

Debates

António Costa vs. Rui Tavares (2 de janeiro)

O primeiro debate teve lugar no domingo, 2 de janeiro, nos estúdios da RTP Lisboa, Cabo Ruivo, Lisboa. O debate transmitido na RTP1 e na RTP3, moderado por João Adelino Faria e teve a duração de 27 minutos.

Formato
O debate teve a duração de 27 minutos, com cada interveniente a dispor de cerca de 12 minutos para intervir. Cada interveniente tinha cerca de 2 minutos para responder a cada pergunta, com a hipótese de ripostar.

Os temas que marcaram o debate foram os acordos pós-eleitorais e o aumento do salário mínimo.

António Costa reafirmou a necessidade de uma maioria do Partido Socialista para haver estabilidade, para além de defender o aumento do salário mínimo para os 850 euros até 2025.

Por outro lado, Rui Tavares alertou para o perigo de maiorias absolutas e defendeu um acordo escrito entre o PS e os partidos à sua esquerda, incluindo o LIVRE, para além de defender o aumento do salário mínimo a 6% a cada ano até ao final da legislatura até aos mil euros.

Análise

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Audiências totais

Ver também

Eleições legislativas portuguesas de 2022

Debates
2022

redpajama_set_name: RedPajamaWikipedia


Pioneering architect Beverly Willis, FAIA, kicks off the annual Centerbrook Architecture Series with a screening and discussion of her film "A Girl is a Fellow Here: 100 Women Architects in the Studio of Frank Lloyd Wright." The 20-minute film documents the legendary Wright's little known legacy of hiring and mentoring women. Today women represent approximately 50 percent of the enrollment in architecture schools, although a much lower percentage of practicing architects. The American Institute of Architects reports that women represent 15 percent of their registered architect members.
Her presentation is on Friday, October 15 from 7 to 8 p.m. at the Essex Meadows Auditorium on 30 Bokum Road in Essex (http://www.essexmeadows.com/directions/). Admission is free, call (860) 767-1560 to register. Now in its third year, the Centerbrook Architecture Series is hosted by the Essex Library and Centerbrook Architects.


text:
Russia. Central bank to offer $31 bln stimulus to banks to avoid liquidity crunch
Russia's central bank is ready to offer up to 1 trillion rubles ($31 billion) to banks to replenish their ruble liquidity, Central Bank Chairman Sergei Ignatyev said on Monday.
"As we sell foreign currency, some shortage of ruble liquidity may emerge in the banking sector. We are currently actively providing this liquidity through overnight repo deals and other instruments, offering daily up to 200 billion rubles, normally for short-terms, for one day. If necessary, we'll provide more and are ready to offer up to 1 trillion rubles," he said.
The regulator may resort to refinancing schemes used during the crisis period of 2008-2009, he said.
The Central Bank does not foresee any special risks for the ruble and its exchange rate on the domestic foreign exchange market is expected to stabilize soon, he said.
"The prices of Russian export commodities remain quite high and therefore I don't see any special risks for the ruble exchange rate. On the contrary, it is more likely that the ruble will strengthen rather than weaken amid the current oil prices," he said.
The ruble rate has been relatively stable for the past two weeks, he said.
"The situation has stabilized more or less in the last two weeks after quite a sharp devaluation in August and September," he said.


We are currently in a near zero interest rate environment and the Federal Reserve seems intent on keeping rates right there for the foreseeable future. This has caused investors to diversify the income portion of their investment portfolios and re-think ways to generate income outside of traditional savings and interest bearing accounts. Accordingly, investors have been bidding up dividend paying stocks. high yield bonds, MLP's and real estate investment trusts, in part to replace the lost income that in the past had been previously so highly predictable and easily obtainable. Now the Federal Government wants its share too. Let us explain.


text:
Spremenljiva delovna prostornina (ang. variable displacement) je tehnologija pri batnih motorjih, kjer se spremeni delovna prostornina tako, da se deaktivira enega ali več cilindrov. Po navadi se uporablja v velikih večcilindrskih motorjih. Koncept obstaja že kar nekaj časa, praktično se uporablja v zadnjem desetletju.

Pri normalni vožnji se uporablja samo okrog 20-35 KM moči, pri pospeševanju in velikih hitrostih več. Tako imajo veliki večcilindrski motorji imajo med normalno vožnjo velik presežek moči. Pri manjših močeh se pri velikih motorji pojavijo "črpalne izgube", ker motor črpa zrak v vse cilindre in pod manjšim tlakom. Če bi črpal tlak pod normalnim tlakom, bi razvijal preveč moči. V velikih motorjih je črpalni tlak okrog polovice normalnega motorja, zato je izkoristek majhen. Z zmanjšanjem števila cilindrov se zmanjša poraba goriva za okrog 8-25%

Pri deaktivaciji cilindra se vstopni in izpušni plin oba zaprta. S tem nastane "zračna vzmet", ko se valj premika navzgor se zrak stiska, ko pa se valj premika dol se ekspandira. S tem ni skoraj nobene dodatne obremenitve na motor.

Glej tudi
Kompresijsko razmerje
Batni motor
Štiritaktni motor
Bencinski (ottov) motor
Dizelski motor

Sklici in reference

Pogonski stroji
Motorji z notranjim zgorevanjem


Bin Hashim Pharmacy & Supermarket launched their Ramzan Packages and Gift cards which are available at different prices and rates.
Bin Hashim Mart is also offering Gift Cards of Rs. 1,000 and Rs. 2,000 which you can purchase and give to your relatives, neighbours, workers or needy people. Through this gift card they will be able to purchase products of their own choice up to the limit of the car.


text:
By Julie Garwood
Category: Contemporary Romance | Suspense Romance | Women's Fiction
About Wired
A beautiful computer hacker and a bad-boy FBI agent must collaborate—in more ways than one—in this sexy, suspenseful novel from #1 New York Times bestselling author Julie Garwood.
Allison Trent doesn't look like a hacker. In fact, when she's not in college working on her degree, she models on the side. But behind her gorgeous face is a brilliant mind for computers and her real love is writing—and hacking—code. Her dream is to write a new security program that could revolutionize the tech industry.
Hotshot FBI agent Liam Scott has a problem: a leak deep within his own department. He needs the skills of a top-notch hacker to work on a highly sensitive project: to secretly break into the FBI servers and find out who the traitor is. But he can't use one of his own. He finds the perfect candidate in Allison. Only, there's one problem—she wants nothing to do with his job and turns him down flat.
What Liam doesn't know is that Allison is hiding secrets that she doesn't want the FBI to uncover. But Liam will do nearly anything to persuade her to join his team, even break a few rules if that's what it takes. A temptation that could put his job—and both of their futures—on the line…
Also by Julie Garwood
See all books by Julie Garwood
About Julie Garwood
Julie Garwood is among the most critically acclaimed—and popular—romance authors around, published in thirty-two languages worldwide with forty million copies of her books in print. She is the #1 New York Times bestselling author of numerous novels including Wired, Fast Track,… More about Julie Garwood
Category: Contemporary Romance | Suspense Romance | Women's Fiction
Jul 03, 2018 | 336 Pages | 4-3/16 x 6-3/4 | ISBN 9780451469489
Jul 04, 2017 | 320 Pages | ISBN 9780698190825
Buy other books like Wired
Promise Not to Tell
The Ideal Man
Murder List
Shadow Woman
When All the Girls Have Gone
For All Time
The Other Lady Vanishes
Stars of Fortune
The Girl Who Knew Too Much
Chasing Fire
Mary Blayney, Mary Kay McComas, Ruth Ryan Langan, Elaine Fox and J. D. Robb
Island of Glass
Praise for #1 NEW YORK TIMES BESTSELLING AUTHOR JULIE GARWOOD
"Once again, Garwood delivers another suspenseful, highly entertaining and romantic story line in Wired."—The Associated Press
"Whoever thinks romantic suspense is dead should read a Julie Garwood book."—USA Today
"A trusted brand name in romantic suspense."—People
"Julie Garwood creates masterpieces every time she writes a book."—The Kansas City Star
"Undoubtedly Garwood is a pro."—Kirkus Reviews
More from Julie Garwood and book picks sent right to your inbox


text:
Examples of how to rationalize denominators
Plans of small houses
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It is probable that the most pertinent thing, previous to approach each one of the exercises that can serve as example, to the correct form in which any rationalization of denominators must be resolved, is to take into account the own definition of this operation, to be able to understand each one of the cases from its precise context then.
Fundamental definitions
However, it will also be necessary to remember that for Mathematics a fraction is a mathematical expression, used to account for rational numbers, that is, for non-exact or non-integer quantities. Likewise, this discipline assumes the fraction as an expression composed of two elements: numerator, which will be the element found in the upper part in order to indicate how many parts of the whole the fraction represents; and denominator, an element that will occupy the lower part and will indicate how many parts that whole is divided into.
In this order of ideas, we can then say that the Rationalization of denominators is the mathematical operation applied to every fraction, where there is presence of a denominator where there are radical numbers, in order to be able to take them out of the radical and then obtain a fraction where the denominator has no presence of denominator, and that can then continue to be simplified.
Steps to rationalize a denominator
Likewise, Mathematics has indicated which are the steps to follow when carrying out the rationalization of a denominator. However, this discipline has distinguished between two possible cases, a difference that will basically depend on whether in the denominator there is, in addition to a radical number, the absence or presence of additions and subtractions, which will indicate different processes:
If there is no addition or subtraction in the denominator: if there is only one rational number in the denominator, the mathematical discipline indicates that to rationalize it it will be necessary to simply multiply each element of the fraction by the radical number that serves as denominator, thus extracting the element from the root, which in turn can be expressed in the following way:
If there are additions and subtractions in the denominator: on the contrary, if there are other operations in the denominator besides the radicals, specifically that of addition and subtraction, then when rationalizing this element it will be necessary to multiply both denominator and denominator by the conjugated expression of the denominator, which will simply be the same operation, with the same elements but different signs. On the other hand, this operation can be expressed in the following way:
Examples of rationalization of denominators
However, the most appropriate way to study this mathematical operation may be through the exposition of some examples, where you can see in a practical way how each case is solved:
Rationalise the next denominator:
The first thing to do is to review the denominator, in order to determine whether or not there are additions or subtractions in it, since this will determine how the rationalization operation should be performed. In this case, the denominator is composed only of one radical, so it will be enough to multiply each element of this operation by the radical that constitutes the denominator:
Once the denominator of this fraction has been revised, it will then be found to be made up of two radicals that are summing up. Consequently, having a sum in the denominator, it is assumed that this rationalization must be carried out by multiplying each element of the fraction by the conjugated expression of the denominator, that is, with an expression conformed by the same elements, but related to the opposite sign:
Not every time you face a fraction that has to rationalize its denominator will have a numerator composed of a single element. However, that in this element -i.e. in the numerator- there are additions or subtractions, in reality it does not make any difference, so equally, at the time of giving solution to the approach given by the exercise, and seeing that in the denominator there are no additions or subtractions, we will proceed to multiply each element by the radical that serves as denominator:
Rationalise the denominator that makes up the fraction offered below:
At the moment of beginning to solve this operation, the denominator will be revised, finding that in it exists a subtraction of radicals. Therefore, it is understood that at the moment of beginning to solve this rationalization operation, it will be necessary to multiply each element of the fraction by the conjugated expression of the denominator, that is to say, by the same elements but with the operation with the opposite sign:
Rationalise the denominator of the next fraction:
Likewise, not all fractions where the denominator must be rationalized will have a numerator composed of a single element. However, this does not influence the rationalization, which considering that it is a denominator where there is a subtraction must be multiplied by its conjugated expression:
Image: pixabay.com
Source: Education
← Examples of how to express rational radicals in forms of powers
Examples of how to rationalize denominators in which there are no additions or subtractions →
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text:
Relations across the Taiwan Strait: Opportunities and Challenges under New Conditions
Friday, September 12, 2014, 9:00 a.m. – 3:00 p.m.
Johns Hopkins University, Kenney Auditorium, 1740 Massachusetts Avenue NW, Washington, DC
In over six years since the inauguration of President Ma Ying-jeou, relations between Taiwan and
mainland China have reached unprecedented levels of political, economic, and social exchange. As Ma approaches the end of his term in office and Xi Jinping enters the second year of his, Taipei and Beijing face both opportunities and challenges in enhancing and consolidating cross-Strait relations. On September 12, the Association of Foreign Relations and the Center for East Asia Policy Studies at the Brookings Institution will co-host a public conference to identify and analyze key opportunities and challenges in cross-Strait relations under new domestic, regional, and global conditions. Leading experts from Taiwan, the United States, and mainland China will assess the current state of cross- Strait relations, analyze prospects for further development during the remainder of President Ma's term in office, examine current conditions in mainland China and how they impact mainland China's approach to Taiwan, and discuss Taipei-Washington-Beijing relations.
Lunch will be provided to conference guests. After each session, the participants will take audience questions. To RSVP, please call the Brookings Office of Communications at 202.797.6105, or visit http://www.brookings.edu/events/2014/09/12-taiwan-china-cross-strait-relations
9:00 a.m. Panel 1: Opportunities and Challenges in Cross-Strait Relations
Adjunct Professor in China Studies, SAIS, Johns Hopkins University Douglas Paal
Vice President for Studies, Carnegie Endowment for International Peace
John Fuh-sheng Hsieh
Professor, Department of Political Science, University of South Carolina Alan Romberg
Distinguished Fellow and Director, East Asia Program, Stimson Center
Kao-Cheng Wang
Professor, Institute of International Affairs and Strategic Studies; Dean, College of International Studies, Tamkang University Quansheng Zhao
Professor, School of International Service, and Director, Center for Asian Studies, American University
10:50 a.m. Panel 2: Opportunities and Challenges under New Conditions in Mainland China
Bonnie Glaser
Senior Adviser for Asia, Freeman Chair in China Studies, CSIS David Lampton
George and Sadie Hyman Professor of China Studies and Director, China Studies, SAIS, Johns Hopkins University
Chien-min Chao
Professor and Director, Graduate Institute of Mainland China Studies and Dr. Sun Yat-sen's Thoughts, Chinese Culture University Xiaobo Lü
Wen-Shuan Tsai
Assistant Research Fellow, Institute of Political Science, Academia Sinica
12:20 p.m. Lunch
1:15 p.m. Panel 3: Washington- Taipei-Beijing Relations
George Quester
Professor Emeritus, Government and Politics, University of Maryland Richard Bush
Chen-Fu and Cecilia Yen Koo Chair in Taiwan Studies, Senior Fellow and Director, Center for East Asia Policy Studies, Brookings
@RichardBushIII
Kwei-Bo Huang
Secretary-General, Association of Foreign Relations, Taiwan, R.O.C.;
Associate Professor, Department of Diplomacy, National Chengchi University Min Ye
Director, East Asian Studies Program and Assistant Professor of International Relations, Boston University
Yeh-chung Lu
Assistant Professor, Department of Diplomacy, National Chengchi University


A Jewish bookie was at the races playing the ponies and losing his shirt. He noticed a Priest step out onto the track and blessed the forehead of one of the horses lining up for the 4th race.
Lo and behold, that horse – a long shot – won the race.
Next race, as the horses lined up, the Priest stepped onto the track. Sure enough, he blessed one of the horses.
The bookie made a beeline for a betting window and placed a small bet on the horse. Again, even though it was another long shot, the horse won the race.
The bookie was elated. He made a quick dash to the ATM, withdrew all his savings, and waited for the Priest's blessing that would tell him which horse to bet on.
The bookie knew he had a winner and bet every cent he owned on the old nag.
He watched dumbfounded as the old nag pulled up and couldn't even finish the race.
In a state of shock, he went to the track area where the Priest was.
Confronting him, he demanded, 'Father! What happened? All day long you blessed horses and they all won. Then in the last race, the horse you blessed never even had a chance.
Now, thanks to you I've lost every cent of my savings!'.
"you couldn't tell the difference between a blessing and last rites".


On Saturday, the Tokyo Electric Power Company (TEPCO) announced that the groundwater collected from a well in proximity of the Fukushima No. 1 plant contained levels of radioactive tritium 10 times greater than those recorded two days earlier. The latest report measured 150,000 becquerels (a unit of radioactivity) per liter, compared to 14,000 Bq on Thursday.
TEPCO officials said this was a result of the heavy rain caused by Typhoon No. 18 (Phanfone), which battered the Kantō region on October 6th killing at least four people and injuring forty-nine. Another storm, monster Typhoon Vongfong, is presently lashing at the main Honshū and Kyushū islands of Japan with gusts of up to 180 kilometers per hour.
A groundwater sample taken on Thursday showed that other beta-ray emitting radioactive materials, such as strontium-90, had also reached record highs. One well contained 1.2 million Bq, whereas another well east of reactor No. 2 contained 2.1 million Bq of a beta ray-emitting radioactive substance. Radioactive cesium in the same sample had risen 70% to 68,000 Bq.
The highest level of tritium measured so far was on January 20th, when 32,000 Bq per liter were recorded at one of the 34 measuring points found in-and-around the disaster stricken Fukushima power plant.
The Wall Street Journal published an article on September 17th explaining that Kurion Inc., a nuclear and hazardous waste management company based in Irvine, California, is expecting to sign a contract with the Japanese government to remove tritium from wastewater. Kurion's technology captures radioactive tritium in water and separates it. However, the company's present service can only remove tritium from 20 tons of water a year. The founder, John Raymont, said Kurion is seeking to build a module that can handle 20 tons a day.


- [Voiceover] Hi, I'm Lynn Langit and welcome to Amazon Web Services, or AWS, for Data Science. In this course, we'll look at using AWS services in the most common scenarios for data science. I'll start by showing you how to set up your AWS account and users by using the AWS console. Then, I'll show you how to use the AWS CLI to script the creation of service, such as S3 Buckets and EC2 instances. We'll see how to create and populate a managed data warehouse using enterprise-grade tools.
We'll be covering all of these services plus plenty of other tools and techniques, including new services, such as AWS IoT. Now let's get started with AWS for Data Science.


text:
MainWindow::MainWindow(QWidget *p_parent) :	QMainWindow(p_parent),
											ui(new Ui::MainWindow),
											m_preview(std::make_unique<DSVideoCapture>()),
											m_device_ok(false),
											m_updating_ui(true)
{
    ui->setupUi(this);

	// settings
	settings::load();
	ui_from_settings();

	// initialize capture device
	init_device();

	m_updating_ui = false;
}

MainWindow::~MainWindow()
{
	if (m_preview)
		m_preview->shutdown();

    delete ui;
}

///////////////////////////////////////////////////////////////////////////////
//
// events
//

void MainWindow::resizeEvent(QResizeEvent *p_event)
{
	if (m_preview)
	{
		m_preview->video_window_resize({ui->widget->x(), ui->widget->y(), ui->widget->width(), ui->widget->height()});
	}

	QMainWindow::resizeEvent(p_event);
}

void MainWindow::closeEvent(QCloseEvent *p_event)
{
	if (m_preview)
	{
		m_preview->preview_shutdown();
	}

	QMainWindow::closeEvent(p_event);
}

void MainWindow::showEvent(QShowEvent *p_event)
{
	if (ui->cbEnablePreview->isChecked())
	{
		show_preview();
	}

	QMainWindow::showEvent(p_event);
}

void MainWindow::on_selResolution_currentIndexChanged (int p_index)
{
	if (m_preview && !m_updating_ui)
	{
		auto &f_res = m_preview->video_resolutions()[p_index];

		ui->widget->setMinimumSize(f_res.m_width, f_res.m_height);
		ui->widget->setMaximumSize(f_res.m_width, f_res.m_height);
		ui->widget->updateGeometry();

		m_preview->video_window_resize({ui->widget->x(), ui->widget->y(), f_res.m_width, f_res.m_height});

		m_preview->video_change_resolution(p_index);
	}
}

void MainWindow::on_cbTracking_stateChanged (int p_state)
{
	if (ui->cbTracking->isChecked() != settings::TrackingEnabled)
		ui_to_settings();
}

void MainWindow::on_cbKinectV2_stateChanged (int p_state)
{
	if (ui->cbKinectV2->isChecked() != settings::KinectV2Enabled)
		ui_to_settings();
}

void MainWindow::on_cbKinectV1_stateChanged (int p_state)
{
	if (ui->cbKinectV1->isChecked() != settings::KinectV1Enabled)
		ui_to_settings();
}

void MainWindow::on_cbGreenScreen_stateChanged (int p_state)
{
	if (ui->cbGreenScreen->isChecked() != settings::GreenScreenEnabled)
		ui_to_settings();
}

void MainWindow::on_selTrackingJoint_currentIndexChanged (int p_index)
{
	if (p_index != settings::TrackingJoint)
		ui_to_settings();
}

void MainWindow::on_cbEnablePreview_stateChanged (int p_state)
{
	if (p_state == Qt::Checked)
		show_preview();
	else
		stop_preview();
}

void MainWindow::on_btnRegister_clicked()
{
	if (!register_com_dll(L"kinect_webcam.ax"))
	{
		QMessageBox::critical(this, tr("Kinect WebCam"),
							  tr("An error occured while registering the Kinect WebCam Filter\nMake sure to run this application elevated for this operation to succeed."),
							  QMessageBox::Ok, QMessageBox::NoButton);
		return;
	}

	init_device();

	if (m_device_ok && ui->cbEnablePreview->isChecked())
	{
		show_preview();
	}
}

void MainWindow::on_btnUnregister_clicked()
{
	if (!unregister_com_dll(L"kinect_webcam.ax"))
	{
		QMessageBox::critical(this, tr("Kinect WebCam"),
							  tr("An error occured while unregistering the Kinect WebCam Filter\nMake sure to run this application elevated for this operation to succeed."),
							  QMessageBox::Ok, QMessageBox::NoButton);
	}
}

///////////////////////////////////////////////////////////////////////////////
//
// helper functions
//

void MainWindow::ui_from_settings()
{
	m_updating_ui = true;

	// effects - tracking
	ui->cbTracking->setChecked(settings::TrackingEnabled);
	ui->selTrackingJoint->setCurrentIndex(settings::TrackingJoint);

	// effects - green screen
	ui->cbGreenScreen->setChecked(settings::GreenScreenEnabled);

	// advanced - devices
	ui->cbKinectV2->setChecked(settings::KinectV2Enabled);
	ui->cbKinectV1->setChecked(settings::KinectV1Enabled);

	m_updating_ui = false;
}

void MainWindow::ui_to_settings()
{
	if (m_updating_ui)
		return;

	// effects - tracking
	settings::TrackingEnabled = ui->cbTracking->isChecked();
	settings::TrackingJoint	  = ui->selTrackingJoint->currentIndex();

	// effects - green screen
	settings::GreenScreenEnabled = ui->cbGreenScreen->isChecked();

	// advanced - devices
	settings::KinectV2Enabled = ui->cbKinectV2->isChecked();
	settings::KinectV1Enabled = ui->cbKinectV1->isChecked();

	// save to the registry
	settings::save();
}

void MainWindow::init_device()
{
	m_device_ok = m_preview->initialize(CLSID_KinectWebCam);

	if (m_device_ok)
	{
		m_updating_ui = true;

		ui->selResolution->clear();

		for (const auto &f_res: m_preview->video_resolutions())
		{
			ui->selResolution->addItem(QString("%1: %2 x %3 x %4").arg(f_res.m_id).arg(f_res.m_width).arg(f_res.m_height).arg(f_res.m_bpp));
		}

		ui->lblKinectMsg->hide();
		m_updating_ui = false;
	}
	else
	{
		ui->lblKinectMsg->setText("Unable to initialize the Kinect WebCam. Please make sure the filter is registered correctly.");
	}
}

void MainWindow::show_preview()
{
	if (m_preview)
	{
		m_preview->preview_device({ui->widget->x(), ui->widget->y(), ui->widget->width(), ui->widget->height()}, hwnd_from_widget(ui->widget));
	}
}

void MainWindow::stop_preview()
{
	if (m_preview)
	{
		m_preview->preview_shutdown();
	}
}

redpajama_set_name: RedPajamaGithub


We offer a complimentary Expense Analysis Report to analyze your investment expenses. Our investment expense analysis report will show you the actual gross and net prospectus expense ratios, audited net expense ratios, and all 12b-1 fees that you are paying on mutual funds, exchange-traded funds and other similar assets that you hold on your bank or brokerage statements. If you have $1 million or more in investments and are looking for objective, fee-only investment advice, please complete the form below. We will contact you to request the specific information that we will need to prepare your personalized investment expense analysis report.


Hey everyone. Any ideas how I might get my HP Photosmart 145 printer to work on Windows Vista? I'll be grateful for any suggestions.
14. In the text box called "Printer name" type "Photosmart 145"
19. Right Click on "Photosmart 145"
And that's it! That should allow you to use your HP Photosmart 145 printer in Windows Vista.
Why hp has no Driver für VISTA on the hp photosmart 145 !
I have an HP photosmart 145. It apparently doesn't have the capability of reading a card any larger than 128mb. I have been using a 2gb card in my new camera. Is there anyway to correct this problem? I have updated my cmputer drivers but the problem seems to be the printer itself.