text:
Q: Getting a non-profit's data set Tidy in R; a complex pivot first time question asker so I will try to explain my best.
I am trying to tidy up a data set for a non-profit that counts benthic macroinvertebrates (stream bugs). The goal of this data set is to compare ID accuracy between volunteers and biologists.
The original data was stored in an extremely complex Excel sheet. I finally have the data concatenated in a large .csv, but I still have an issue where 1 observation (1 observer at 1 moment in time) is in multiple rows.
I would like to use pivot functions to get this taken care of, but it's not as cut and dry as some of the how-to's I've been reading.
I created a simplified example of my issue here:
   Workbook Location   Taxa    K_Vol K_Bio L_Vol L_Bio V_Vol V_Bio
   <chr>    <chr>      <chr>   <dbl> <dbl> <dbl> <dbl> <dbl> <dbl>
 1 A        BigCreek   Worm        4     4     2     5     5     3
 2 A        BigCreek   Larvae      4     4     3     2     2     3
 3 A        BigCreek   Swimmer     1     1     2     3     3     3
 4 A        SmallCreek Worm        1     2     2     4     1     5
 5 A        SmallCreek Larvae      1     4     4     2     5     5
 6 A        SmallCreek Swimmer     2     2     3     4     3     1
 7 B        BigCreek   Worm        5     1     3     3     4     1
 8 B        BigCreek   Larvae      5     5     2     5     4     4
 9 B        BigCreek   Swimmer     3     1     4     5     4     4
10 B        SmallCreek Worm        4     1     3     3     4     4
11 B        SmallCreek Larvae      1     4     5     5     2     5
12 B        SmallCreek Swimmer     5     3     3     5     1     1

I would like it to look like this:
 A tibble: 24 × 6
   Workbook Location   Counter  Worm Larvae Swimmer
   <chr>    <chr>      <chr>   <dbl>  <dbl>   <dbl>
 1 A        BigCreek   K_Vol       4      4       1
 2 A        BigCreek   K_Bio       4      4       1
 3 A        BigCreek   L_Vol       2      3       2
 4 A        BigCreek   L_Bio       5      2       3
 5 A        BigCreek   V_Vol       5      2       3
 6 A        BigCreek   V_Bio       3      3       3
 7 A        SmallCreek K_Vol       1      1       2
 8 A        SmallCreek K_Bio       2      4       2
 9 A        SmallCreek L_Vol       2      4       3
10 A        SmallCreek L_Bio       4      2       4
# … with 14 more rows

I have used this to get one column to behave more or less, but I am unsure how to proceed from here as this is a little more of a complicated transformation.
simplecurrent %>%
    pivot_longer(c('K_Vol', 'K_Bio', 'L_Vol', 'L_Bio', 'V_Vol', 'V_Bio'),
               names_to = "Counter", values_to = 'Worm')  %>%

PS. The pipe at the end of that last bit is from me having the tibble print entirely, not needed here
It produces this:
   Workbook Location   Taxa    Counter  Worm
   <chr>    <chr>      <chr>   <chr>   <dbl>
 1 A        BigCreek   Worm    K_Vol       4
 2 A        BigCreek   Worm    K_Bio       4
 3 A        BigCreek   Worm    L_Vol       2
 4 A        BigCreek   Worm    L_Bio       5
 5 A        BigCreek   Worm    V_Vol       5
 6 A        BigCreek   Worm    V_Bio       3
 7 A        BigCreek   Larvae  K_Vol       4
 8 A        BigCreek   Larvae  K_Bio       4
 9 A        BigCreek   Larvae  L_Vol       3
10 A        BigCreek   Larvae  L_Bio       2
11 A        BigCreek   Larvae  V_Vol       2

and so on, all looking good. How do I get the other species to behave like "worm"?

A: A data.table option using melt and dcast.
library(data.table)

dcast(melt(setDT(simplecurrent), id.vars = c('Workbook', 'Location', 'Taxa'),
      variable.name = 'Counter'),
      Workbook + Location + Counter ~ Taxa, value.var = 'value')

#    Workbook   Location Counter Larvae Swimmer Worm
# 1:        A   BigCreek   K_Vol      4       1    4
# 2:        A   BigCreek   K_Bio      4       1    4
# 3:        A   BigCreek   L_Vol      3       2    2
# 4:        A   BigCreek   L_Bio      2       3    5
# 5:        A   BigCreek   V_Vol      2       3    5
# 6:        A   BigCreek   V_Bio      3       3    3
# 7:        A SmallCreek   K_Vol      1       2    1
# 8:        A SmallCreek   K_Bio      4       2    2
# 9:        A SmallCreek   L_Vol      4       3    2
#10:        A SmallCreek   L_Bio      2       4    4
#11:        A SmallCreek   V_Vol      5       3    1
#12:        A SmallCreek   V_Bio      5       1    5
#13:        B   BigCreek   K_Vol      5       3    5
#14:        B   BigCreek   K_Bio      5       1    1
#15:        B   BigCreek   L_Vol      2       4    3
#16:        B   BigCreek   L_Bio      5       5    3
#17:        B   BigCreek   V_Vol      4       4    4
#18:        B   BigCreek   V_Bio      4       4    1
#19:        B SmallCreek   K_Vol      1       5    4
#20:        B SmallCreek   K_Bio      4       3    1
#21:        B SmallCreek   L_Vol      5       3    3
#22:        B SmallCreek   L_Bio      5       5    3
#23:        B SmallCreek   V_Vol      2       1    4
#24:        B SmallCreek   V_Bio      5       1    4
#    Workbook   Location Counter Larvae Swimmer Worm

A: library(dplyr)
library(tidyr)

df %>%
  pivot_longer(cols = c(K_Vol:V_Bio),names_to = "Counter") %>%
  pivot_wider(names_from = Taxa,values_from = value)

# A tibble: 24 x 6
   Workbook Location   Counter  Worm Larvae Swimmer
   <chr>    <chr>      <chr>   <int>  <int>   <int>
 1 A        BigCreek   K_Vol       4      4       1
 2 A        BigCreek   K_Bio       4      4       1
 3 A        BigCreek   L_Vol       2      3       2
 4 A        BigCreek   L_Bio       5      2       3
 5 A        BigCreek   V_Vol       5      2       3
 6 A        BigCreek   V_Bio       3      3       3
 7 A        SmallCreek K_Vol       1      1       2
 8 A        SmallCreek K_Bio       2      4       2
 9 A        SmallCreek L_Vol       2      4       3
10 A        SmallCreek L_Bio       4      2       4
# ... with 14 more rows

-- data
structure(list(Workbook = c("A", "A", "A", "A", "A", "A", "B",
"B", "B", "B", "B", "B"), Location = c("BigCreek", "BigCreek",
"BigCreek", "SmallCreek", "SmallCreek", "SmallCreek", "BigCreek",
"BigCreek", "BigCreek", "SmallCreek", "SmallCreek", "SmallCreek"
), Taxa = c("Worm", "Larvae", "Swimmer", "Worm", "Larvae", "Swimmer",
"Worm", "Larvae", "Swimmer", "Worm", "Larvae", "Swimmer"), K_Vol = c(4L,
4L, 1L, 1L, 1L, 2L, 5L, 5L, 3L, 4L, 1L, 5L), K_Bio = c(4L, 4L,
1L, 2L, 4L, 2L, 1L, 5L, 1L, 1L, 4L, 3L), L_Vol = c(2L, 3L, 2L,
2L, 4L, 3L, 3L, 2L, 4L, 3L, 5L, 3L), L_Bio = c(5L, 2L, 3L, 4L,
2L, 4L, 3L, 5L, 5L, 3L, 5L, 5L), V_Vol = c(5L, 2L, 3L, 1L, 5L,
3L, 4L, 4L, 4L, 4L, 2L, 1L), V_Bio = c(3L, 3L, 3L, 5L, 5L, 1L,
1L, 4L, 4L, 4L, 5L, 1L)), class = "data.frame", row.names = c(NA,
-12L))

A: We may use recast from reshape2
library(reshape2)
recast(simplecurrent, id.var =  1:3, Workbook + Location + variable ~ Taxa)

-output
    Workbook   Location variable Larvae Swimmer Worm
1         A   BigCreek    K_Vol      4       1    4
2         A   BigCreek    K_Bio      4       1    4
3         A   BigCreek    L_Vol      3       2    2
4         A   BigCreek    L_Bio      2       3    5
5         A   BigCreek    V_Vol      2       3    5
6         A   BigCreek    V_Bio      3       3    3
7         A SmallCreek    K_Vol      1       2    1
8         A SmallCreek    K_Bio      4       2    2
9         A SmallCreek    L_Vol      4       3    2
10        A SmallCreek    L_Bio      2       4    4
11        A SmallCreek    V_Vol      5       3    1
12        A SmallCreek    V_Bio      5       1    5
13        B   BigCreek    K_Vol      5       3    5
14        B   BigCreek    K_Bio      5       1    1
15        B   BigCreek    L_Vol      2       4    3
16        B   BigCreek    L_Bio      5       5    3
17        B   BigCreek    V_Vol      4       4    4
18        B   BigCreek    V_Bio      4       4    1
19        B SmallCreek    K_Vol      1       5    4
20        B SmallCreek    K_Bio      4       3    1
21        B SmallCreek    L_Vol      5       3    3
22        B SmallCreek    L_Bio      5       5    3
23        B SmallCreek    V_Vol      2       1    4
24        B SmallCreek    V_Bio      5       1    4


Conference on "The Effects of Digitization, Globalization, and Nationalism on Competition Law"
Abstract: NYU School of Law hosted the 13th annual conference of the Academic Society for Competition Law (ASCOLA) on June 21-23, 2018. Several trends affect our markets. Many markets are going digital or are affected by the digitization of related markets. A broad variety of technological developments, including the introduction of the Internet of Things, artificial intelligence and Big Data, and greater connectivity and storage capacities, have all contributed to digitization. Digitization, in turn, has enabled more markets to become truly global, although enforcement is still national. Globalization has led to the promotion, at least in some jurisdictions, of an opposite trend of national self-interest. This conference sought to explore the effects on competition law of these three trends, as well as the interplay between them.


text:
En mathématiques, on appelle relation d'ordre total sur un ensemble E toute relation d'ordre ≤ pour laquelle deux éléments de E sont toujours comparables, c'est-à-dire que
.
On dit alors que E est totalement ordonné par ≤.

Définition
Une relation binaire ≤ sur un ensemble E est un ordre total si (pour tous éléments x, y et z de E) :
 x ≤ x (réflexivité) ;
 si x ≤ y et y ≤ x, alors x = y (antisymétrie) ;
 si x ≤ y et y ≤ z, alors x ≤ z (transitivité) ;
 x ≤ y ou y ≤ x (totalité).

Les trois premières propriétés sont celles faisant de ≤ une relation d'ordre. La quatrième fait de cet ordre un ordre total.

Exemples
 L'ensemble des lettres d'un alphabet est totalement ordonné par un ordre alphabétique.
 Tout corps euclidien, comme le corps ℝ des réels, est muni d'un ordre total naturel : x ≤ y si et seulement si y – x est un carré.
 Soient f : X → Y une injection, ≤ un ordre sur Y, et ≼ l'ordre induit sur X en posant : x1 ≼ x2 si et seulement si f(x1) ≤ f(x2). Si ≤ est total alors ≼ aussi. En particulier : toute restriction à une partie X de Y d'un ordre total sur Y est un ordre total sur X. Par exemple, toute partie de ℝ est totalement ordonnée par la relation d'ordre usuelle.
 Si un ordre ≤ sur E est total, alors l'ordre opposé ≥ sur E est total (la réciproque en résulte).
 L'ordre lexicographique sur le produit cartésien d'un ensemble bien ordonné d'ensembles totalement ordonnés, est lui-même un ordre total ; par exemple, tout ensemble de mots est totalement ordonné par l'ordre alphabétique, et tout bon ordre est un ordre total.
 Une chaîne d'un ensemble partiellement ordonné (E, ≤) est une partie de E sur laquelle l'ordre ≤ est total. Cette notion joue un rôle important en théorie des ensembles, par le lemme de Zorn.
 On peut définir un ensemble totalement ordonné comme un treillis dans lequel {a∨b, a∧b} = {a, b} pour tous a, b ; on peut alors poser a ≤ b si et seulement si a = a∧b ; on démontre qu'un ordre total est aussi un treillis distributif.
 D'après le théorème d'extension de Szpilrajn, tout ordre partiel ≤ sur un ensemble E est prolongeable en un ordre total sur E, appelé une extension linéaire de ≤.

Contre-exemples
 Sur l'ensemble des entiers naturels, la relation d'ordre « est un diviseur de » n'est pas un ordre total, car on peut trouver des paires d'entiers positifs dont aucun n'est diviseur de l'autre.
 De même, sur l'ensemble des parties d'un ensemble qui contient au moins deux éléments a et b (distincts), l'inclusion n'est qu'un ordre partiel : on n'a ni {a} ⊂ {b}, ni {b} ⊂ {a}.

Le cas fini
 Dans un ensemble fini totalement ordonné, toute partie non vide a un plus petit élément. Autrement dit : sur un ensemble fini, tout ordre total est un bon ordre.
 Tout ensemble fini totalement ordonné est isomorphe pour l'ordre à un segment initial de N.

En théorie des catégories
Les ensembles totalement ordonnés forment une sous-catégorie de la catégorie des ordres, dont les morphismes sont les applications croissantes.

Toute bijection croissante d'un ordre total dans ordre quelconque est un isomorphisme d'ordres.

Ordre strict total
La bijection canonique entre les ordres stricts et les ordres sur un même ensemble E associe une relation d'ordre strict < (antiréflexive et transitive donc antisymétrique) à une relation d'ordre ≤ (réflexive, transitive et antisymétrique), par :
x < y ⇔ (x ≤ y et x ≠ y)
ou encore :
x ≤ y ⇔ (x < y ou x = y).
Un ordre ≤ est total si et seulement si son ordre strict associé < vérifie :
∀ x, y ∈ E (x < y ou x = y ou y < x).
On appelle ordre strict total tout ordre strict vérifiant cette propriété, dite « de trichotomie ».

Référence

Voir aussi
 Groupe totalement ordonné
 Corps totalement ordonné
 Problème de Souslin

Préordre

redpajama_set_name: RedPajamaWikipedia


Healthy and hydrated: How much water should you drink daily?
Most health authorities recommend that we drink eight glasses or 64 ounces of water a day. Others, however, think that we should drink much more. Those who fall in the latter category believe that we need to drink water constantly, even if we're not thirsty. As with a lot of things, writes Kris Gunnars of AuthorityNutrition.com, how much water you truly need is dependent on a number of factors.
Our bodies will let us know when we need to drink up. The feeling of thirst hits us whenever our total water content dips below a certain level. We drink to alleviate this sensation. This deep-seated thirst instinct ensures that we keep our bodies well-hydrated. Sometimes, however, circumstances demand that we increase our water intake. We lose water when we sweat during exercise or when exposed to hot weather. Health conditions such as vomiting require us to replenish the fluids we lost. Breastfeeding mothers should also consume more water.
Since the human body is a little over 60 percent water, it should come as no surprise that water is essential to our survival. Water is necessary for our organs and systems to continue functioning properly. Among the many jobs water does for us is aiding digestion, regulating body temperature, and normalizing body pressure, reports Heidi Goodman, as seen in Health.Harvard.edu. Water has even been said to temporarily increase our metabolism.
Additionally, if you suffer from constipation or kidney stones then water may be able to help you with those health issues.
Water isn't the only thing that supports our fluid balance. Other drinks such as caffeinated beverages like coffee and tea contribute to our daily water needs. These drinks are widely considered to be diuretics or substances that increase the production of urine. However, a study published by the National Center for Biotechnology Information states that this might not necessarily be true, since the diuretic effects of coffee and tea are weak. Even most foods are full of water, so eating your three square meals can help maintain your fluid balance.
Going on from the above, having a drink with each meal is a good way to avoid dehydration. There's no need for you to ingest massive amounts of water all at once. Do this gradually throughout your day.
A dry mouth is one the earliest signs of dehydration, noted Nicole McDermott of Greatist.com. If your mouth is starting to feel a bit parched, grab your water bottle and take a sip.
Another way to gauge how hydrated or dehydrated you are is to take a bathroom break and check the color of your pee. Dark-yellow urine could indicate that you need more water in you.
For most people, your body knows what it wants and when it wants it. If it's telling you that you're thirsty, then you need to drink. Once you're no longer thirsty then you can stop drinking. You will lose more fluids if you're working out or experiencing high heat so increase your fluid intake.
You can read up on water filters by visiting WaterFilters.news.


Contemporary art is a u unique movement with seemingly mire definitions than creations. Mostly, the central lined of contemporary art can be drawn on the elimination way, compared to modern art (that it was born from and related to). Supposedly, contemporary art that is known for significant post-modern elements (everything is possible, everything is accepted, everything is real), tries to challenge formality, seriousness and social isolation that highly characterize modern art. However, as in Yitzhak Bashvis Zinger's famous book, this is a love-hate story. Despite its objection to modern style, contemporary art was very much influenced by modern art, which is expressed by many similarities.
Jacob Samuel is taking the versatility of its creations one step forward. After decades in which we mostly engaged with classic art (Eastern-European Jewish art, modern art etc.), we are broadening our activity, with an Online Contemporary Gallery for sale. Nevertheless, we are not forgetting the source; we keep exhibiting modern art, contemporary art and a combination of both. Site guests will enter to the fascinating and unique world of contemporary art, based on pieces arriving to us from non-conventional countries, such as third world countries, Eastern Europe and more.
Jacob Samuel has been working over a decade in Israel and abroad. We wishe to present ideas that express our emotions in the day to day life, and showcase a wide range of artists' pieces (regardless of gender, color or religion). Its goal is to walk gently among the various pieces while constantly searching to understand the occurrences in humanity through art and art representation.
The perception that stands behind the expansion of Jacob Samuel site to contemporary art is motivated by the fact that many audiences have certain reluctance towards the meeting with contemporary art pieces. Occasionally, the audience seeks mediation and finds it difficult to create an emotional experience from a direct unmediated meeting. Therefore, in light of our extensive experience presenting modern art through many years, we try to bridge those gaps while presenting both movements simultaneously. One in front of the other, one side by side the other. All this while seeking the personal intimate relationship with the piece and preventing puzzling, inaccessible distance.


Ever wanted to find out the meaning of life, discover how theology and physics are directly linked, or hear of Australia's worst kept military secrets with the Unites States, all in the same afternoon? Head down to Speakers' Corner at Sydney's Domain of a Sunday afternoon and be prepared for a weird, wacky and interesting afternoon as I recently discovered!
Originating during the 1850's, Speakers' Corner is an open for all a forum where one can exercise free speech, just bring your own soap box or milk crate. I just took a water bottle and a notepad on this occasion. During The Great Depression and The Vietnam War Era, crowds grew to over 2000 however on my visit I was only one of a handful of curious onlookers who were mostly on their way home from the National Art Gallery Of New South Wales just across the road.
Originating during the 1850's, Speakers' Corner is an open for all a forum where one can exercise free speech.
Across the other side of the lawn was James, a gentle 65 year old newcomer to Speakers Corner. Clutching a bible in his left hand, James was being heckled by an onlooker who was strongly disagreeing to everything he had to say. "I enjoy sharing the poetry of Jesus however I get frustrated with people who just want to start an argument with me." Said James.
An afternoon well spent and an experience I would definitely recommend to anyone.
Check it out for yourself, every Sunday from mid day onwards opposite the main entrance to the National Art Gallery of New South Wales.


text:
Special Issue Archive
The Closings
Deal Sheet
Future City 2020
The obscure reason banks will finally embrace Opportunity Zones
Looming changes to 1970s-era law could open the lending floodgates
TRD NATIONAL /
Jan.January 13, 2020 11:30 AM
By Keith Larsen
A rendering of the Tampa Bay Rays' plans for a new ballpark in Tampa's historic Ybor City (Credit: iStock, WJCT)
UPDATED, Jan. 14, 4:35 p.m.: Banks may soon have the incentive they need to sink huge amounts of money into Opportunity Zones, the controversial Trump administration tax abatement program that has seen tepid investment levels to date.
The federal government plans to give commercial banks credit for issuing loans in low-income communities as part of a larger reform to a 1970s-era law called the Community Reinvestment Act. This is the first direct regulatory incentive for banks to lend in Opportunity Zones and could be a game-changer for the program, according to some experts.
"CRA is a big motivator for inter-activities at banks," said Steve Glickman, one of the architects of the Opportunity Zone initiative, which gives massive tax deferments and tax breaks to those who invest in projects in designated low-income neighborhoods across the country. "They are going to have institutional interest in all of this."
Glickman, who founded and runs Opportunity Zone consultancy firm Develop LLC, said that the reformation of the CRA and the recent finalization of the program's rules should spur banks to direct investor money into qualifying projects. Banks' own asset management arms could begin to deploy more money into Opportunity Zones as well, he said.
For banks, lending in Opportunity Zones would allow them to fulfill elements of a government mandate that they lend in poor communities.
Although many bankers and developers believe the combination of expected CRA reforms and finalized Opportunity Zone regulations could lead to substantial investment in poor communities, finance watchdogs are wary about the types of projects that qualify.
What the CRA is and why it matters
The CRA was crafted in 1977 under President Jimmy Carter and was designed to incentivize banks to lend in low income communities and prevent redlining, or the practice of not lending to minority communities.
A poor rating on the CRA can prevent a bank from opening new branches or completing a merger. It also invites heavier scrutiny from regulators if a bank has a bad rating.
But some bankers argue the law is out of date, especially in the age of digital banking and the lack of brick and mortar branches. Under a more banker-friendly Trump administration, two regulators, the Office of the Comptroller of the Currency and the FDIC, are now looking to revamp the rule and change how the CRA looks at geographic areas where the banks take in deposits. The regulators are also looking to combine Opportunity Zones into the CRA rules under a proposal released by the OCC and the FDIC.
This inclusion of Opportunity Zones in the revamp, however, has also drawn the most criticism from those who are skeptical of the proposed CRA changes.
One section of the proposed regulation mentions that banks can receive credit for lending to athletic facilities in Opportunity Zones. In other words, a bank could potentially receive credit on their CRA exam for financing the proposal to build the Tampa Bay Rays stadium in Ybor City, Florida, that was estimated to cost nearly $900 million.
"The Baltimore Ravens Stadium would qualify as a credit. We have got to look at the large scale projects that might not have localized community impact," said Nikitra Bailey, the executive vice president of the Center for Responsible Lending.
Giving credit to sports stadiums in Opportunity Zone projects amplifies the argument of critics who claim that the program is effectively a tax break for wealthy developers masquerading as a benefit for the poor. Critics have pointed to Richard LeFrak's $4 billion mixed-use project Sole Mia in an Opportunity Zone in North Miami as well as Kushner Companies plans to build a 1,100 unit-luxury apartment building in Miami's Edgewater neighborhood. (SoLe Mia has not taken any Opportunity Zone money and the project's plans predates the Opportunity Zone program, according to a spokesperson for LeFrak. LeFrak's executives, however, did seek to get city officials in North Miami to nominate the properties surrounding the site as an Opportunity Zone, according to Bloomberg and the New York Times).
Opportunity Zones developers have largely focused on building projects in gentrifying areas and in projects that were already planned before the Opportunity Zone legislation was released. The Department of Housing and Urban Development under Sec. Ben Carson said the agency is giving preferences on certain credits for developers who build affordable housing in Opportunity Zones. But so far, large-scale investment in affordable development in these areas has yet to materialize.
Lending in the land of OZ
The Opportunity Zone program became the arguably most talked about program in the real estate world over the last two years. Tucked away in President Trump's tax plan, it offers developers and investors the ability to defer or forgo paying capital gains taxes for investment in one of the more than 8,700 federal Opportunity Zones across the country. Treasury Secretary Steven Mnuchin even said it could result in $100 billion in private investment.
Despite the hype, investor interest in hasn't quite materialized.
Many funds have had trouble raising capital. Of a sampling of 103 Opportunity Zone funds that sought to raise $22.7 billion, only $3 billion was raised, according to an October report by accounting firm Novogradac & Co. One notable pullback is Anthony Scaramucci's SkyBridge Capital, which first sought to raise $3 billion, but is now seeking just $300 million.
But there are signs that the finalization of program rules has already contributed to an uptick in investment. At least $2.3 billion was put into Opportunity Zone Funds between early December through early January, according to a survey from Novogradac, a 51 percent increase over the prior month. (It should be noted that investors had to commit their capital by the end of 2019 to receive the full benefit of the program, which is likely a bigger reason for the increase in investment.)
Brett Forman of Trez Forman, a nonbank lender based out of Boynton Beach, said he is skeptical of some of the proposed projects in Opportunity Zones. So far, some of the borrowers that have approached him are less experienced in real estate development and are sometimes ones that wouldn't be able to land bank financing.
"They think that a nonbank lender will jump on it," said Forman.
Avra Jain, a Miami-based Opportunity Zone developer, however, has previously told The Real Deal that the program makes financing for certain projects more accessible, such as her group's 15-story office building in Miami's Midtown neighborhood.
Shane Neman, who purchased a cold-storage facility in an Opportunity Zone in Miami's Allapattah neighborhood, said he is now considering refinancing the property. Neman said the property's position in an Opportunity Zone makes it more attractive for getting financing from lenders.
"I even have private lenders and funds that are coming to me with loans that are beating the terms of regional banks, which usually give the best deals," said Neman.
Some banks have already started investing in Opportunity Zones themselves, such as PNC Bank which has established an Opportunity Zone fund to invest in affordable housing, economic development and revitalization projects. In July, the bank provided $15 million in funding to repurpose a vacant, nearly century-old office building into workforce housing in downtown Birmingham, Alabama.
There's also Woodforest National Bank, of Woodlands, Texas, partnered with a Community Development Financial Institution (CDFI) and a commercial real estate group to create a $20 million Opportunity Zone fund.
John Hope Bryant, an entrepreneur and the founder of the economic empowerment nonprofit Operation HOPE has been pushing for CRA reform. He recently went on a five-city tour over the summer with Comptroller of the Currency Joseph Otting to discuss potential changes. Bryant said that adding Opportunity Zones to the CRA modernization can only help encourage lending in low-income communities.
"You are creating a magnet and pointing capital and equity there and saying, 'Go and invest there.'"
Have something to say about Opportunity Zones? You can reach Keith Larsen at [email protected]
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Last week I attended a class as part of my soon-to-be-finished doula certification entitled "Herbs for Pregnancy". It was interesting to put my toe into the water of the huge realm of homeopathy especially regarding the use of herbs. Most mothers know that raspberry leaf is praised for its effect of toning the uterus and keeping female functions healthy. In fact, I have to be careful with it because even a small cup of tea sends me strong contractions. I'm, um, blessed (?) with a very responsive uterus. But the other weeds, ahem, HERBS, that the teacher was strongly praising were dandelion and stinging nettle. Well, we happen to have an abundance of both here in this land of ours! Now, the amounts she suggested drinking each day were a bit overwhelming, however, I decided to take some baby steps into homemade herbalism and thankfully I remembered that Elizabeth Foss had once posted about their making of 'dandelion syrup' and I was more than happy to follow her lead!
So, a few days ago, the boys and I went dandelion picking in our backyard and picked exactly 250 dandelion heads for our syrup.
In a large pot on the stove, stir the dandelions with the water. Bring to a boil and then cover and simmer for one hour. Cool and allow to steep overnight in the refrigerator overnight.
Next day, strain out all the dandelions and be sure to squeeze out all the tea! Mix with the 2 c. sugar and the lemon juice and simmer on the stove until the mixture begins to thicken. Turn off the heat and allow to cool. The syrup will thicken more as it cools. Pour into a jar...we got about 1 pint of syrup and it is delicious stirred into tea, as she says.
Now I'm fairly certain that sugar-laden syrup is not the most efficacious way of benefiting from the nutrient goodness of dandelions but hey, like I said, baby steps. I HAVE also been trying to sneak a few dandelion greens into the diet this week as they are chock full of great nutrients. I'm thinking that will go a little better once this first trimester gag reflex wears off a bit.
What? There's a use for dandelions besides wine (which I don't drink) and greens (which are always too bitter, IMO)? I'm bookmarking this! Thanks so much!


In the age of millennial pink and other Instagram backdrop aesthetics, there's perhaps no place more photogenic than India's color cities. Jodhpur — nicknamed the "blue city" — is lush with sky blues and deep greens, while Jaipur, the "pink city," is an urban scape of pastels against the backdrop of warm desert land.
Simply put: You'll see a lot of tourists taking photos. But more importantly, these cities attract visitors because of their vibrant culture, characterized by thousands of years of dynamic world history. Just six hours apart by train, both cities are a part of the northwestern Indian state of Rajasthan. This area has seen the rise and fall of entire empires, the spawn of billionaires and their unfathomably luxurious palaces and dozens of battles and wars. And in the 21st century, it's no doubt an incredible place to visit.
Here's more on what to do, see and eat.
Jaipur has been called "a photographer's paradise" — and for good reason. Historically speaking, the area's advanced city planning and imperial Mughal architecture were remarkable for their times.
The city is a unique mix of Hindu and Muslim design — often with a touch of soft pink. Though some buildings were pink to begin with, many were painted this color in 1863 to welcome Prince Albert, who served as prince consort in the United Kingdom by marrying his first cousin, Queen Victoria (for the record, India was brutally colonized by the British between 1858 and 1947). Ever since, the pink has stuck around, attracting foreign visitors and Indians alike, even in 2018.
Many tourists visit the pink City Palace, a massive complex built in the early 1700s. But one of the biggest architectural attractions in Jaipur is the Hawa Mahal, a five-story palace built out of of red and pink sandstone in 1799. It's unique for its "beehive-like" shape, with 953 windows, which were designed to allow royal women to watch special events and daily life unfold in the streets below. Though Instagram will convince you otherwise, it's actually difficult to score a good shot of the Hawa Mahal because it's on a fairly narrow, busy street. For a good vantage point (and a break from the scorching heat), many visit the Tattoo Cafe and Lounge for a photo op from its balconies. And beyond the pink, don't forget to visit the area's Amer Fort, a grand palace built in 1592 with both Hindu and Muslim influence melded into its aesthetic.
Johri Bazaar is full of immaculately detailed textiles, shoes and jewelry — plus a tasty bite or two to eat. This market is a goldmine of colorful, patterned bedding and wooden carved goods to bring home a touch of Rajasthan's artistic aesthetic. Just be sure to bargain if you're interested in getting a good price.
Foodies who visit Jaipur better come with a sweet tooth. One of the city's most famous bakeries is Laxmi Mishthan Bhandar, called "LMB" for short. It also has a restaurant inside known for its "royal Rajasthani thali" — a large platter of food with rotating, refillable side dishes of curries, samosas and sweets.
Known as "the blue city" and "the sun city," there are few mornings as magical as those spent in the peaks of Jodhpur. The city's founder, and legendary warrior, Rao Jodha, demanded that many of the houses be painted a sky blue color in the mid-1400s — but no one's really sure why. Some say it was to signify the area's upper-class status at the time, while others believe the blue paint was used to fend off termites. Either way, this part of the city is gorgeous. Winding streets, fabric stalls and steaming food stands await for further exploration (Disclaimer: The area is also speckled with trash and cow dung in some areas, so bring the right shoes).
The most famous attraction in Jodhpur other than the oh-so-Instagrammable blue streets is the 15th-century Mehrangarh Fort — an incredibly detailed palace isolated on a steep, 400-foot-high cliff that overlooks the entire city of Jodhpur. From the top, one can take the best panoramas of the blue city and even spot a few gray langur monkeys or green ringneck parakeets hanging around. Jodhpur's clock tower and Umaid Bhawan Palace are also interesting visits for those who enjoy architecture..
Aside from sightseeing, Jodhpur is a top-notch city to get one's shop on. Art lovers should visit miniature painting artist Gangaram Kumawat, who has a reputation for restoring intricate detailing in Rajasthan's old palaces. Kumawat, who comes from a family with six generations of miniature painters, sells original work that takes him days to paint — and at an affordable price. His shop is located inside the Pal Haveli hotel.
Jodhpur travelers should also check out Sadar Bazaar and Mochi Bazaar for Rajasthani textiles, hand-woven rugs, treasure boxes, puppets, handcrafted shoes and jewelry. Just know that bargaining down prices is the norm for getting a good deal.
Jodhpur has many options for a nice dinner out: There's the rooftops of Indiue, which sells traditional northern Indian fare against the backdrop of the city's clock tower and Mehrangarh Fort. Not only is it a place for an amazing view, but it's a good spot to watch the parakeets flying by in the trees in the evening.
For those who want a unique dining experience, get a taste of royal life by booking a table at Jodhpur's Khaas Bagh hotel. Constructed in the early 1900s by members of the Rathore royal family, this place is literally fit for a king — and one of the royals had a serious thing for cars. Diners and hotel guests can browse the vintage automobile gallery around the yard, then dine in one of the cars themselves.


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The Power Of Habit By Charles Duhigg Free Download
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The Power Of Habit By Charles Duhigg Free Download Youtube
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The book «The Power of Habit» is one of the most popular bestsellers in the world. The author of the book is Charles Duhigg. The Wall Street Journal and Financial Times called "The Power of Habit" is one of the best books of 2012. Ratings amazon going through the roof. Who wouldn't be interested in reading about habits? Who does not want to change themselves for the better, starting small? Anyone not interested in theories about the human brain?
Charles Duhigg describes how that works in my mind, why, starting to make the bed, we can fundamentally change for the better and as work habits, patterns of behavior.
The last idea is the basis of the book. The idea can be described by 3 words, however, Charles Duhigg manages to stretch the story for almost 300 pages. Why is a rhetorical question. The book "The Power of Habit" like almost all new books on self-help and similar subjects, 10% useful information and 90% of water and explanations of useful information. Tearful stories of people overcoming different kinds of addictions, spread out over several chapters, tiring.
Review "The Power of Habit"
trigger-routine-reward. This is what is habit. The trigger causes a situation (I want to chat, tired of sitting at the computer), the routine is the action itself – got up and went to have coffee and rolls together with colleagues, promotion – communicated with colleagues, socialization and a break from work, the habit received nourishment. Throw out the routine bread and lose weight by X pounds. Win!
A similar approach Charles Duhigg professes to almost all situations. There are a couple of interesting places about will power and marketing research, as one major U.S. company has determined which of its shoppers is pregnant and at what time. But the intrigue ends and the water begins.
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text:
Bygholm Mølle er beliggende i Vejlerne. Det er en vindmølle af typen Hollandsk vindmølle med jordomgang. Den er opført lige efter 2. slesvigske krig, formentlig i 1866, hvor landvinding var en del af "kompensationen" for tabet af hertugdømmerne. Den blev derfor bygget som pumpemølle og skulle medvirke til at tørlægge vådområderne ved Vejlerne. Møllen er opført med støbt fundament. Møllekroppen er en ottekantet trækonstruktion beklædt med spån. Hatten er løgformet og beklædt med spån. Møllen er i  ikke funktionsdygtig, da vingerne er uden hækværk og den mangler krøjeværket. Oprindelig har møllen krøjet med vindrose. Driften ophørte i 1941.

Afvandingsprojektet
Ved de lavvandede fjordarme fra Limfjorden omkring halvøen Hannæs har der været afvandingsprojekter i sidste halvdel af 1800-tallet. Den østlige del af Vejlerne blev afskåret fra Limfjorden ved hjælp af Bygholm-dæmningen i perioden omkring 1870, mens den vestlige del blev søgt tørlagt i 1880'erne.

Noter

Litteratur
Lebech-Sørensen, Anne Marie: Vindmøller og vandmøller i Danmark, bd. 4, Forlaget SKIB, 2009

Eksterne henvisninger
 Nordjyllands historiske Museum ; Møllehistorisk samling
 Alt om vindmøller fra Nordisk Folke center
 Dansk Møllerforenings hjemmeside
 Hjemmeside om Vejlerne

Hollandske vindmøller i Danmark
Bygninger, konstruktioner og anlæg i Thisted Kommune


In Dear Pilgrims, John F. Deane, founder of Poetry Ireland, Poetry Ireland Review and Dedalus Press, uncovers a map of spiritual tracks and pathways, both external and internal. John uses his extraordinary flair for language, his heartfelt love of nature, and his deep spiritual insight to take the reader into the landscapes of East Anglia, Israel and Palestine and into metaphysical realms far beyond.
Joining John for this reading will be James Harpur whose latest collection The White Silhouette sets off on a snowy pilgrimage from West Cork to Dorset taking in Russian icons, the Perseids' meteor shower and the medieval Celtic art of the Book of Kells. The title poem is a powerful, haunting journey of 'missed encounters' in the spiritual landscapes of Tipperary, Wiltshire and Patmos.


CCMA invites you to be part of the celebration by renewing our collective commitment to service-learning and civic engagement. Join us for a day of learning about difficult conversations, managing triggers, and privilege. This year's Practitioners' Retreat will also feature networking roundtables where you can bring questions as well as answers on a variety of timely topics. The retreat will be led by Ms. Chianti Blackmon, Director of Multicultural Student Services at Frederick Community College and Co-Chair of the Washington Regional TaskForce Against Campus Prejudice.
1) Equip faculty and staff to lead difficult conversations.
2) Enhance skills to address privilege across difference.
3) Dialogue how community engagement intersects with skill development around cultural competency.
All participants will receive a flash drive with workshop documents and practitioners' contact information!
Parking is free on the Hood College campus.


This page contains a listing of elected and appointed city officials, department heads, and city attorneys for Tennessee. Information may be updated by utilizing the 'Request an Update to this Information' link on each individual's record or by contacting Michelle Buckner (865.974.9851).
Arlington Mr. Oscar Brooks, Sr.
Atwood Mr. L.N. McNabb, Jr.
Bethel Springs Mr. Gary Bizzell, Sr.


checkmarkUpon completion of this course, the participant will be able to identify parameters that impact conversion of values from dB HL to ear canal SPL and how this influences the prescriptive target.
checkmarkUpon completion of this course, the participant will be able to describe stimulus presentation and analysis variables and relate their significance in being able to achieve the prescribed target.
Helped me to understand verification in detail.
It was a comprehensive comparison of NAL-NL2 vs DSL V5 targets, as well as fitting instruments to prescriptive targets and why the values may differ.
Presenter for the most part took time to present a point then explain an example. Not too hard to follow along!
Some good information that I didn't know about.
Good information on hearing aid verification.
The information was thorough and benefitial to impliment in daily clinic when comparing fitting software and real-ear measurements.
Presenter Disclosure: Mona Dworsack-Dodge is employed by GN Otometrics. She has no non-financial relationships to disclose.
Sponsor Disclosure: This course is presented by Otometrics in partnership with AudiologyOnline.
Content Disclosure: This learning event focuses on Otometrics products and services and will not include info on other products or services.