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If you've ever had a baby with colic, you've probably been pushed to the point where you'd try just about anything -- like, anything -- to make the endless crying stop. My middle child had colic, and I'll never forget the hours of pacing the floor with my shrieking infant, feeling completely helpless and frustrated (and, of course, exhausted). So I was fascinated to hear about a recent study which found that acupuncture has been shown to be effective in treating colic symptoms -- since, honestly, there aren't a whole lot of other methods that seem to help. But how does it work? And, more importantly, is it safe?
First, a little background on colic, if you're not familiar (in which case, consider yourself lucky!). It's a relatively common affliction, affecting approximately one-fifth of all babies, and usually develops between two and four weeks of age.
Colic is characterized by periods of inconsolable crying which can last for hours and can occur at any time of the day or night, but it usually happens between 6 p.m. and midnight (a rather long witching "hour"). Experts don't know what causes colic officially, though theories include a sensitivity to food in the mother's diet (in breastfed babies) and a generalized inability to "self-soothe." And while experts don't know exactly how to treat colic, either, some parents have found that walking and/or swaddling their babies helps to reduce symptoms; other sometimes helpful measures include white noise, massage, and eliminating potentially problematic foods from nursing mothers' diets (such as milk products, caffeine, onions, and cabbage).
More from CafeMom: 11 Colic Survival Tips from Moms Who've Been There
And now, perhaps, acupuncture. In the new study, 157 babies with colic between the ages of two and eight weeks were split into three groups. One group was given ordinary care, the second was given minimal acupuncture, and the third was given Chinese acupuncture. Interestingly, the babies who received acupuncture cried for 40 minutes less per day than those who did not.
At first, 40 minutes might not sound like a lot -- but as parents of colicky babies know, it can feel like a lifetime. So someone sticking needles into your baby might be ... worth it?
But how does it work? We asked the study's lead author, Kajsa Landgren, MD -- and, well, like pretty much everything else that has to do with colic, experts aren't sure.
"It is well documented that acupuncture with stronger stimulations relieves pain, restores gastrointestinal function, and has a calming effect in adults," Landgren told CafeMom, adding that several laboratory studies with rats have shown that acupuncture acts on the same neurotransmitters that are affected by pain and stress.
Unfortunately, she explained, this type of study doesn't answer questions of neurotransmitters or mechanisms. "What we know from this study is that infants who received acupuncture cried less," she says. "During the second intervention week, only 38 percent of the infants who received acupuncture fulfilled the criteria for colic, compared to 65 percent in the control group."
In this trial, Landgren said, infants were treated twice a week for two weeks -- so only four total treatments.
"In babies and children, fewer needles and shorter time is required, compared to treating adults," she explains.
More from CafeMom: The Cause of Colic: Do Doctors Finally Have the Answer?
And the treatment sessions were also a lot shorter than you might think: In one group, a single needle was inserted for 5 seconds; in another, a maximum of five needles was used for no more than 30 seconds each.
"The needling part of the treatment session is very short, but the acupuncturist will need 20 to 30 minutes per family, to listen and give advices about, for example, feeding and comforting," said Landgren.
It should be noted that this was a small study, of course (and that another 2013 study on the topic found no "statistically significant" benefits to giving babies with colic acupuncture). Still, this most recent research might be enough to give some parents hope, and maybe even lead the way toward more and larger studies.
Studies have shown acupuncture to be safe, at least, with fewer risks than such over-the-counter remedies as Tylenol, so that's one thing the ancient treatment has going for it. And if you're wondering about how your baby would react to being stuck with a needle (or needles), bear in mind that five seconds of crying is way better than 40 minutes! (Also, in my own experience with acupuncture, the needles are super thin and barely hurt at all.)
The one silver lining to colic is that at some point or another, it does go away -- with or without treatment. But however short-lived, the condition can be an extremely challenging one for babies and parents alike. So if you can find a safe and effective way for a licensed medical professional, like an acupuncturist, to give your child relief, then by all means, go for it! Even if it does seem a bit ... unconventional.


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The following article, co-authored with Rahul Tongia, originally appeared in Mint on May 30, 2019. An excerpt is below and the full text can be accessed here.
As a second Narendra Modi government takes office, the demands it will face to deploy its renewed political capital will be immense. In every area of policy priority—from education and financial inclusion, to health and infrastructure, and energy and defence—an impatient electorate will expect it to deliver. But every policy challenge must necessarily confront trade-offs, even before further complications arise from bureaucratic or party politics.
There's a popular adage in the tech world: "Cheaper, faster, better. Pick any two." This applies widely to Indian policy, a field where it sometimes assumes the form of a variant: "Cheaper, more, better. Pick any two."
Given India's human development imperatives, the natural policy impulse has usually been to rush towards providing healthcare, energy access, infrastructure and education on a vast scale. Most evaluations of policy have focused on input measures: How much of a certain public good can be built, deployed, or delivered? Recent examples include the opening of bank accounts as part of Jan Dhan Yojana or household electrification. How such bank accounts are being used or how consistent the supply of electricity on a new connection is, are understandably not the immediate priority.
Moreover, given historical resource scarcity, a second Indian government priority has been to focus on achieving its objectives cheaply. In public tender issuing and procurement—which dictates a lot of public service delivery in India—this has manifested itself in a rigid focus on the lowest-cost bids, known as L1. Together, the emphasis on "more" and "cheaper" has almost always meant that "better" has been sacrificed.
But India has changed. In many policy fields, the challenge of "more" is now being addressed: school enrolment is near full potential, there is surplus power generation supply, housing is readily available but remains vacant, allocated capital budgets for defence are not spent in their entirety, and agricultural yields in certain crops have exceeded demand (resulting in drops in prices and farmer distress). The question of limited financial resources, while still a constraint, is less relevant today, in part due to better tax revenue collection, a natural consequence of the goods and services tax (GST) and digitization. The India of 2019 is no longer as resource-starved it was in the 1970s or 1960s.

subset: commoncrawl


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Fresh dates have a sweet taste and can be added to different dishes, for instance muffins, fruit salads, cakes and cookies. Such products as honey, sugar and palm flour can be obtained from the dates. Worth mentioning is that dates sugar is much better for a person than highly refined sugar and therefore the fruits themselves are healthier than ordinary candies. So, it is recommended to include them into the lunches of children instead of chocolate bars.
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Well wont anyone take the time to comment?(5 years and 1954 days ago)
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To make it look like an authentic painting, I will first define a type of paper to my canvas to give it texture. Then I will make an appropriate brush to paint with. Finally, once the painting is complete, I will show you how to quickly add a convincing frame to it as well.
Photoshop already comes with various brushes, from which I will pick one and show you how to alter it and use it to paint better. So plug in your tablet, and lets do some painting!
Okay, so the first thing to do is to make a sketch of the painting you wish to make. Here I have made a sketch of a landscape with its main focus on the huge tree in the center. Note that the lines that I have drawn don't go up to the canvas edges. You could either draw on the computer or scan in a drawing.
Name this layer of your drawing as Outline.
The drawing will be used just as a guide for our painting. But when you draw make sure your drawing doesn't go on to the end of the canvas. Also make sure you center it.
In the case of a scanned image, just set Layer Mode to Multiply
Once you have finalized the position, lock the layer.
Remember that the Outline Layer will always be on the top and all the color and background layers will come under it.
In reality, we see that canvases have a texture and paint reacts with it. Why don't we create a texture for our canvas here as well?
To do that, Double-click the Background layer (which should be totally white) to make it Layer 0.
Still active on that layer, go to Layer> Layer Style> Bevel and Emboss...
Ignore the Bevel and Emboss options for now, click on the sub-option Texture .
Click on the Pattern button and load the Artists Surfaces . Here, feel free to choose any kind of texture you prefer for your paper (here I've chosen Washed Watercolor Paper).
Choose a preferable scale depending on your canvas size, but make sure the texture is neither too zoomed in or too minimized. Here I've chosen 100%.
Your texture is quite contrasted and dark. We must lighten it.
So now, come to the Bevel and Emboss Options. In Structure
settings, change the Style to Emboss and
decrease the Size to a sufficient quantity (here I have used 2px).
Now, rename this textured layer to Canvas and lock it.
Now I will show you how to alter the brush settings in accordance to your canvas texture.
For this, got to Window> Brushes.
Now here there are many options to experiment with. But for this painting tutorial I'm going to have to restrict myself to a few options.Since I've chosen a watercolor style painting to do. The brushes I choose will be watercolor based as well.
Go to Brush Presets and load Natural Brushes 2. Here you have different watercolor brushes. Pick any one you like. I chose the Watercolor 4 Brush.
Go to Brush Tip Shape and reduce Spacingto 1% .
Go to Shape Dynamics and make the Size Jitter is 0% and see that the Control is set on Pen Pressure , the Minimum Diameter should be 100%.
Go to Texture and load the very same texture which you chose for your canvas (Washed Watercolor in my case). Make sure that the Scale as well is the same as the one you used for the canvas. Set the Mode to Overlay.
Go to Other Dynamics, make sure the Opacity Jitter is on 0% and the Control set on Pen Pressure . Flow Jitter is up to you (I have used 31% here).
Also, tick the Wet Edges and Smoothing Options.
Now you have your brush made. Decrease the Brush Opacity to around 20-25% and set the brush Mode to Multiply.
Create a new layer and name it as Background Color. This layer will be used for painting the background color alone.
Increase the brush size and start painting the background freely on your canvas with large brisk strokes. Notice that when you go over a previous color, the tone darkens. Use this to give darker tones or shadows. Also notice that the color fades with decreasing pen pressure, take advantage of this to blend two different tones.
Make sure that you paint the background light so that the other objects in your picture don't get darkly colored. So make sure the background is painted lightly.
Remember when you paint, make sure the color doesn't go over to the canvas edges. Make sure you centralize it so that the whole painting comes like an oval shape. It can be irregular that doesn't matter. It adds to the artistic effect.
For every object you paint, create a new layer and name it after the object. When you paint, its important to make sure that you arrange the object layers in accordance to their distance.
That is, which object is in front and which is at the back. It is essential so that the object's individual colors stand out properly without overlapping. Like in my painting the Tree Layer comes on top of the Water Layer as the tree stand ahead compared to the water.
Now, since every object is painted on a new layer, if you go wrong in painting, You have to just delete that layer and redo instead of spoiling the whole painting. Since its in layers, there is no order to follow on what object to paint first and what not to.
Neatness in painting the objects needn't be give so much importance same such constraints will interrupt the free flow of strokes.
Now you would have finished your picture using your sketch as a guide.
Now such bold black outlines give it a more of a cartoon effect which is not desirable. We need more of an artistic watercolor painting.
So, the solution for this will be to unlock this Sketch Layer and reduce its Opacity to around 20%. To make it look just about visible.
Create a new layer underneath it and name it New Outline.
Before we start outlining, we will revert back some brush options so that we can outline better.For that open up the Brush Settings again. In the Shape Dynamics, reduce the Minimum Diameter to 0%.
Make the Opacity 100% and change back the Brush Mode to Normal. Choose the corresponding color of the object and outline.
Notice that the line is still light. Also note that going over it makes the stroke darker. Using this, outline the whole image with barely visible lines so that its neither too dark or there is nothing at all.
Once you outline it it will look as if the painting has been sketched lightly with color pencils.
Try not to make the lining too complex. Make it simple, just the exterior outlines are
There! The painting is finally completed, but something is missing. The last thing to do now would be to add a frame to it. I'll make it quite simple here, needn't go too complex with the frame making. I'll have to save that for another tutorial. Create a New Layer and name it Applied Image. Go to Image> Apply Image and just hit the OK button.
Then, go to Edit> Stroke. I would like the frame to look more like it is made of wood. So I'll choose a nice brown color for it and set the Width to 15px. Set the Location to Inside. It can be a bit nice and wide since the painting is contained in an oval shape.
Once the border is put, we need to add relief to it. So, go to the Bevel and Emboss effects and make sure the Style is Inner Bevel and the Technique is Smooth. Also notice that in Shading I have changed the Gloss Contour.
Also tick the Contour settings and change the Contour there as well. The range can be altered to your liking.
Finally, go to Layer> Layer Style> Drop Shadow...In that, just increase the distance a little.
And just to show its your masterpiece, you could create a new layer and just put your signature at the bottom like the way i have done.
That is it! Your authentic type of painting is complete!
Thank you for reading my tutorial, I hope you liked it. Looking forward to post some more and better quality tutorials in the future!
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Well wont anyone take the time to comment?(5 years and 1954 days ago)
Well I will! Nice tutorial. This'll make me use my Wacom A5 graphics tablet for what it supposed to used for(5 years and 1952 days ago)
so nice
i like it
thank you
WOW thanks all..(5 years and 1951 days ago)
gr8 job.....kids stuff....(5 years and 1951 days ago)
nice tuto thanks
but I can't draw :d
very nice tutorial(5 years and 1951 days ago)
thnx what do you mean you cant? Try drawing...(5 years and 1951 days ago)
great tutorial - thanks!(5 years and 1950 days ago)
thank you!!(5 years and 1950 days ago)
Very nice and brilliantly explaint(5 years and 1947 days ago)
Thank you(5 years and 1946 days ago)
Do the easy.(5 years and 1943 days ago)
Thank you so much.
Your brush settings are very, very useful.
This is very good, I really like it.(5 years and 1940 days ago)
i like that ....i know nothing abt photoshop
feels like i should try thx
^_^ your welcome(5 years and 1937 days ago)
>_> im open for constructive criticism, not to tolerate the nonsense you expect(5 years and 1933 days ago)
oh tnx a lot man, i really like it(5 years and 1922 days ago)
this is wonderful tutorial .. i read it 3 times and get a fantastic results and sure i put a
copy of this lesson on my site here
good job(5 years and 1905 days ago)
Thank you(5 years and 1896 days ago)
Nirmal : very nice tutorial thank for u
its amazing guys
its amazing guys
oh my gosh.. fine work you have created(5 years and 1860 days ago)
Love the Tutorial. Thanks for sharing.(5 years and 1848 days ago)
superb...thx for sharing such a nice tutorial(5 years and 1839 days ago)
Thankyou for the tutorial. I've always wondered how to paint using Photoshop. Thankyou : )(5 years and 1808 days ago)
i think i can draw better pictures.this is sooo silly, even a 2nd standard child can draw this better(5 years and 1799 days ago)
like it(5 years and 1782 days ago)
like it(5 years and 1782 days ago)
ohh yeahh xD great tutorial!! thx!(5 years and 1779 days ago)
at least the author tried to put forward somethin.. u shud appreciate that..
if u think a 2nd grade kiddo can draw better..how abt u.. lets see plz do put a tut here n we shall c how gud u r at drawin..
n even if u r damn gud plz try to b gud at commentin aswell
b constructive while commentin
i`m really impatient to c ur drawinzz!!! plz upload
thats really so nice of u that u did that in detail for the beginners who r always huntin for stuff to start with
btw gud drawin n gud paintin
n ur drawin is b8r than a 2nd grader :p
5* for the tut
ps ANUSHA eager to see ur BETTER drawings (no offence )
Thanks for the tutorial. I was trying to figure out how to NOT colour my outlines. This helped alot.(5 years and 1729 days ago)
I love to draw trees, so when I saw your tutorial I read it, and was greatful that you took the time to show us beginners the steps involved. Thanks again from trebor(5 years and 1711 days ago)
thank you
thanx alot sir
4 providing us with this simple Technics
through which we can improve our skill & move more in
creative field
thanx sir 1ns again
thank you all! soon ill be making more and try to make em better!(5 years and 1666 days ago)
Awesome! I just finished drawing it and it looks great! My first time using the tablet and this little tutorial made an amazing start!! Thanks!(5 years and 1636 days ago)
it was confusing but overall it was nice....thx anyway(5 years and 1591 days ago)
Very Good PxlEye ! Thumbs up !(5 years and 1526 days ago)
Thanks! With this tutorial I made this..
It's a little different but without this tutorial I couldn't paint it.
nice work(5 years and 1498 days ago)
good tutorial. I am not tried it yet. So i replied a "good" tutorial. when i try it I am sure it will be a great fun for me. This is very useful for begeners like me.(5 years and 1418 days ago)
nice one..


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Real homemade Mexican food! Everything is made fresh from scratch. Our chili rellenos are a favorite! Restaurant is open 5 pm until 9 pm Tuesday through Saturday starting in November.
Tacos de alambre
Desebrada(shredded beef)
Mexican Fiesta Fajitas(beef and chicken)
Beef Tacos
Chicken Tacos
Enchiladas(red sauce over beef or cheese)
Chicken Enchiladas(green sauce)
Chiles Rellenos
Flautas(beef or chicken with guacamole, sour cream and salad)
Mexican Plate(red cheese enchiladas, beef taco, chile relleno)
Entomatadas(chicken enchiladas with home made tomato sauce)
Above plates served with rice and beans.
Mexican Fiesta Fajita Salad(beef, chicken or combo)
Nachos Supreme(beans, beef, cheese, guacamole, sour cream and jalapenos)
Tivo's Burger with fries
Hamburger with fries
Cheese Burger with fries
Chicken Strips with fries
Fried Shrimp with fries and salad
Chips and Salsa
Chalupas(beef, chicken, guacamole)


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"One often overlooked area in the catering industry is that of food preparation surfaces. Although cleaned and disinfected, wear and tear inevitably leaves many surfaces worn and scratched and therefore vulnerable to bacterial harbouring. "
In recent years there have been vast improvements in hygiene standards within the catering industry but there is still no cause for complacency. The vast majority of reported cases stem from infectious agents which take the form of harmful bacteria or microbes that become attached to food and subsequently infect the body. The majority of these instances can be traced to poor hygiene standards.
The most common material used in food preparation environments is stainless steel. Stainless steel is an iron based alloy which contains a minimum of 10.5 percent chromium and a maximum of 1.2 percent carbon. The chromium content provides a protective layer of chromium oxide on the surface, also known as the passive film or layer. However, to be suitable for use in food preparation areas, a minimum chromium content of 18 percent is recommended.
To achieve maximum corrosion resistance the surface of the stainless steel must be kept clean. All grades of stainless steel will stain and discolour due to surface deposits and can never be accepted as completely maintenance free. Provided the cleaning schedules are carried out on a regular basis, good performance and long service life are assured. Stainless steel is easier to clean than other materials such as polymers and aluminium, and has comparable hygienic qualities to glass.
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UTICA – The 12-round battle between Utica Comets and the Syracuse Crunch could have an impact on the North Division standings this season.
The Central New York rivals meet a total of nine times in the second half of the season due to a scheduling quirk.
On Saturday, the Comets snagged this round with goals in each period – including one from Brendan Gaunce late -- and 28 saves from Ivan Kulbakov to hold off the Crunch for a tight 3-2 victory in the first of back-to-back meetings between the teams over the next five days.
"We look forward to these games," said captain Carter Bancks, who had an assist on the Gaunce's goal. "We stuck with it. We were patient with it. There's going to be frustrating times … they're going to have some (offensive) zone time. They're going make some plays and we have to defend as a five-man unit. It is a big win."
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With the win, the Comets (21-17-3-1; 46 points) moved a point ahead of the Crunch (21-12-2-1) in the North Division. The Comets – winners of five of the last seven and moved to near the top of the North -- have played six more games than the Crunch.
"It certainly turned into a man's game near the end," Comets coach Trent Cull said. "I liked our intensity. I thought we were dialed in right from the start. It was a good hockey game. … It is lot to hang here and for us to get a goal late there. It was job well done by us."
Kulbakov – the de facto Comets starter who had a rough start against Syracuse on Dec. 28 -- was a big part of the solid effort, including in the third period when made several key stops to hold off the Crunch, who have dropped four consecutive games.
"He's played really well," Bancks said. "He stepped up. He was great. … He's done a great job coming in here and taking on a big role."
Gaunce's goal was his with his eighth point in the last seven games, Tanner Kero (goal, assist) had his third multi-point effort in four games and Jonathan Dahlen scored his ninth goal of the season for the Comets, who had Jesse Graham return to the lineup as a forward. Graham provided needed help on the power play,Cull said.
The Comets capitalized less than three minutes into the game with help from a short 5-on-3 advantage – which included a too many men penalty on the Crunch.
On the Comets' goal 2:28 in, Tanner Kero sent a cross-ice feed to an unchecked Dahlen, who followed up his initial shot to slip the puck past Eddie Pasquale (23 saves) and snap a five-game goalless streak. Zack MacEwen – in the middle of standout second season – added his 16th assist to help start the goal.
Kulbakov – who had 10 saves in the first -- and the Comets had a strong penalty kill a few minutes later with the goaltender quickly moving from right to left to deny Crunch second leading scorer Alex Barre-Boulet.
The Comets and Kulbakov turned in few more good stops in the second period against the Crunch before extending the lead late.
On an odd-man rush, Kero broke into the Comets zone and sent a cross-ice feed to Boucher, whose shot was stopped by Pasquale but the puck stayed in the crease. As players crashed the net, Kero tapped in the puck with 1:08 left for his sixth goal in four games. Tom Pyatt also assisted.
Syracuse broke through early in the first period with help from a fortunate bounce after Andy Andreoff's shot was appeared to deflect off Cameron Gaunce's raised stick and over Kulbakov's head to make it 2-1.
Despite a good push by the Crunch, Brendan Gaunce extended the lead when he chipped in a pass from Wacey Hamilton with 2:11 to play. Carter Bancks and Gaunce helped make the play happen along the boards.
"I thought he had a really strong game," Cull said of Gaunce. "He looked like that power forward that (you want). I thought he was really quite effective,"
Syracuse made things interesting with 29 seconds left on Cory Conacher's goal from the left circle, but the Comets held on the rest of the way.
"They pushed hard. I liked the way we battled," Bancks said. "You get a little panicky sometimes and start whacking at pucks, but you just have to take a deep breath and trust each other. We were able to get the job done."
Note: Defenseman Jagger Dirk was assigned to ECHL Kalamazoo on Saturday. Dirk, who is on an AHL deal, has one assist in nine games this season. … Comets General Manager Ryan Johnson was again in attendance.
Utica Comets 3, Syracuse Crunch 2
Syracuse;0;0;2 - 2
Utica;1;1;1 - 3
1st Period-1, Utica, Dahlen 9 (Kero, MacEwen), 2:28 (PP). Penalties-served by Bourke Syr (bench minor - too many men), 0:57; Labrie Syr (high-sticking), 2:02; Bancks Uti (hooking), 4:27; Masin Syr (interference), 14:02; Hamilton Uti (tripping), 16:41.
2nd Period-2, Utica, Kero 16 (Boucher, Pyatt), 18:52. Penalties-Graham Uti (tripping), 9:18; Yan Syr (cross-checking), 12:17; Brisebois Uti (slashing), 13:42.
3rd Period-3, Syracuse, Andreoff 16 (Gaunce), 4:01. 4, Utica, Gaunce 12 (Hamilton, Bancks), 17:49. 5, Syracuse, Conacher 15 (Valleau, Gaunce), 19:31. Penalties-Conacher Syr (roughing), 6:14; Hamilton Uti (roughing), 6:14; Andreoff Syr (cross-checking), 8:26.
Shots on Goal-Syracuse 10-9-11-30. Utica 8-8-10-26.
Power Play Opportunities-Syracuse 0 / 4; Utica 1 / 5.
Goalies-Syracuse, Pasquale 12-7-3 (26 shots-23 saves). Utica, Kulbakov 8-7-3 (30 shots-28 saves).
Referees-Peter Tarnaris (17), Shaun Davis (31).
Linesmen-Jason Brown (44), Jim Harper (59).


text:
Hatke Dance Performances of Brother & Bride That Wowed Us!by Shweghna Gursahaney
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Jinia Chakraborty 10 days ago★ 5.0
She is a very gracefull dancer .Not only that she is a great choreographer herself teaches every step with care and love.She is a perfectionist and knows many different forms of dance which makes her very versetile....😊😍😘...See More
Debojit Nath10 days ago★ 5.0
I was her client in the previous year where I hired her team for my elder sister's Sangeet and my experience was to good .. her team are always being very punctual in their time and very well behaved .. they choreograph the songs with easy and simplicity steps that suits to the participants accordingly .and they keep patience throughout their teaching... they always being very flexible to their dates if the client has any issue with the dates ..I would love to work with her team again .. Thank you...See More
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I was her client in the previous year where i hired her team for my elder brother's wedding and my experience with her was way too perfect. I have planned a perfect wedding but her presence and also her team makes the event even more perfect. Now it will be not wrong to say that i have got much more refined work than i have expected. So if situation prevails i wilI choose her again for any further event....See More
Parijat Ganguly10 days ago★ 5.0
I was her client in the previous year where i hired her team for my son's wedding and my experience with her was way too perfect. I have planned a perfect wedding but her presence and also her team makes the event even more perfect. Now it will be not wrong to say that i have got much more refined work than i have expected. So if situation prevails i wilI choose her again for any further event....See More
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Joel Dommett - Unapologetic (If that's ok?)
28th Nov 2020 8:00 pm
Strictly 14+
Tickets: £22* (Ticket prices include a booking fee of £2)
*All online transactions will be subject to an additional £2 fee.
Join Joel as he brings you bang up to date on his life since his last live show!
He has become a regular face on TV, from being a finalist in 2016's I'm a Celebrity, Get Me Out of Here! (ITV), to then hosting ITV2's I'm a Celebrity Extra Camp alongside Scarlett Moffatt and Joe Swash. He starred in two series of the critically acclaimed Comedy Central Show Joel and Nish VS the World, is the host of ITV2's quiz show Hey Tracey and he's the presenter of prime time, international smash The Masked Singer (ITV).
The start of 2019 saw Joel release a 30 minute stand-up special for NETFLIX as part of a global comedy event Comedians of the World. He has also achieved a place on the Sunday Times Bestseller list with his book It's Not Me It's Them which was recently released in paperback.
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10 results back to index
The Drunkard's Walk: How Randomness Rules Our Lives by Leonard Mlodinow
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Albert Einstein, Alfred Russel Wallace, Antoine Gombaud: Chevalier de Méré, Atul Gawande, Brownian motion, butterfly effect, correlation coefficient, Daniel Kahneman / Amos Tversky, Donald Trump, feminist movement, forensic accounting, Gerolamo Cardano, Henri Poincaré, index fund, Isaac Newton, law of one price, pattern recognition, Paul Erdős, probability theory / Blaise Pascal / Pierre de Fermat, RAND corporation, random walk, Richard Feynman, Richard Feynman, Ronald Reagan, Stephen Hawking, Steve Jobs, The Wealth of Nations by Adam Smith, The Wisdom of Crowds, Thomas Bayes, V2 rocket, Watson beat the top human players on Jeopardy!
His sister Gilberte called it "the time of his life that was worst employed."9 Though he put some effort into self-promotion, his scientific research went almost nowhere, but for the record, his health was the best it had ever been. Often in history the study of the random has been aided by an event that was itself random. Pascal's work represents such an occasion, for it was his abandonment of study that led him to the study of chance. It all began when one of his partying pals introduced him to a forty-five-year-old snob named Antoine Gombaud. Gombaud, a nobleman whose title was chevalier de Méré, regarded himself as a master of flirtation, and judging by his catalog of romantic entanglements, he was. But de Méré was also an expert gambler who liked the stakes high and won often enough that some suspected him of cheating. And when he stumbled on a little gambling quandary, he turned to Pascal for help. With that, de Méré initiated an investigation that would bring to an end Pascal's scientific dry spell, cement de Méré's own place in the history of ideas, and solve the problem left open by Galileo's work on the grand duke's dice-tossing question.
Fermat's Last Theorem by Simon Singh
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Albert Einstein, Andrew Wiles, Antoine Gombaud: Chevalier de Méré, Arthur Eddington, Augustin-Louis Cauchy, Fellow of the Royal Society, Georg Cantor, Henri Poincaré, Isaac Newton, John Conway, John von Neumann, kremlinology, probability theory / Blaise Pascal / Pierre de Fermat, RAND corporation, Rubik's Cube, Simon Singh, Wolfskehl Prize
The mathematical hermit was introduced to the subject by Pascal, and so, despite his desire for isolation, he felt obliged to maintain a dialogue. Together Fermat and Pascal would discover the first proofs and cast-iron certainties in probability theory, a subject which is inherently uncertain. Pascal's interest in the subject had been sparked by a professional Parisian gambler, Antoine Gombaud, the Chevalier de Méré, who had posed a problem which concerned a game of chance called points. The game involves winning points on the roll of a dice, and whichever player is the first to earn a certain number of points is the winner and takes the prize money. Gombaud had been involved in a game of points with a fellow-gambler when they were forced to abandon the game half-way through, owing to a pressing engagement.
Wonderland: How Play Made the Modern World by Steven Johnson
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Ada Lovelace, Alfred Russel Wallace, Antoine Gombaud: Chevalier de Méré, Berlin Wall, bitcoin, Book of Ingenious Devices, Buckminster Fuller, Claude Shannon: information theory, Clayton Christensen, colonial exploitation, computer age, conceptual framework, crowdsourcing, cuban missile crisis, Drosophila, Edward Thorp, Fellow of the Royal Society, game design, global village, Hedy Lamarr / George Antheil, HyperCard, invention of air conditioning, invention of the printing press, invention of the telegraph, Islamic Golden Age, Jacquard loom, Jacquard loom, Jacques de Vaucanson, James Watt: steam engine, Jane Jacobs, John von Neumann, joint-stock company, Joseph-Marie Jacquard, land value tax, Landlord's Game, lone genius, mass immigration, megacity, Minecraft, moral panic, Murano, Venice glass, music of the spheres, Necker cube, New Urbanism, Oculus Rift, On the Economy of Machinery and Manufactures, pattern recognition, peer-to-peer, pets.com, placebo effect, probability theory / Blaise Pascal / Pierre de Fermat, profit motive, QWERTY keyboard, Ray Oldenburg, spice trade, spinning jenny, statistical model, Steve Jobs, Steven Pinker, Stewart Brand, supply-chain management, talking drums, the built environment, The Great Good Place, the scientific method, The Structural Transformation of the Public Sphere, trade route, Turing machine, Turing test, Upton Sinclair, urban planning, Victor Gruen, Watson beat the top human players on Jeopardy!, white flight, white picket fence, Whole Earth Catalog, working poor, Wunderkammern
He also demonstrated the multiplicative nature of probability when predicting the results of a sequence of dice rolls: the chance of rolling three sixes in a row is one in 216: 1⁄6 x 1⁄6 x 1⁄6. Written in 1564, Cardano's book wasn't published for another century. By the time his ideas got into wider circulation, an even more important breakthrough had emerged out of a famous correspondence between Blaise Pascal and Pierre de Fermat in 1654. This, too, was prompted by a compulsive gambler, the French aristocrat Antoine Gombaud, who had written Pascal for advice about the most equitable way to predict the outcome of a dice game that had been interrupted. Their exchange put probability theory on a solid footing and created the platform for the modern science of statistics. Within a few years, Edward Halley (of comet legend) was using these new tools to calculate mortality rates for the average Englishman, and the Dutch scientist Christiaan Huygens and his brother Lodewijk had set about to answer "the question . . . to what age a newly conceived child will naturally live."
The Perfect Bet: How Science and Math Are Taking the Luck Out of Gambling by Adam Kucharski
Ada Lovelace, Albert Einstein, Antoine Gombaud: Chevalier de Méré, beat the dealer, Benoit Mandelbrot, butterfly effect, call centre, Chance favours the prepared mind, Claude Shannon: information theory, collateralized debt obligation, correlation does not imply causation, diversification, Edward Lorenz: Chaos theory, Edward Thorp, Everything should be made as simple as possible, Flash crash, Gerolamo Cardano, Henri Poincaré, Hibernia Atlantic: Project Express, if you build it, they will come, invention of the telegraph, Isaac Newton, John Nash: game theory, John von Neumann, locking in a profit, Louis Pasteur, Nash equilibrium, Norbert Wiener, p-value, performance metric, Pierre-Simon Laplace, probability theory / Blaise Pascal / Pierre de Fermat, quantitative trading / quantitative finance, random walk, Richard Feynman, Richard Feynman, Ronald Reagan, Rubik's Cube, statistical model, The Design of Experiments, Watson beat the top human players on Jeopardy!, zero-sum game
In the decades that followed, other researchers chipped away at the mysteries of probability, too. At the request of a group of Italian nobles, Galileo investigated why some combinations of dice faces appeared more often than others. Astronomer Johannes Kepler also took time off from studying planetary motion to write a short piece on the theory of dice and gambling. The science of chance blossomed in 1654 as the result of a gambling question posed by a French writer named Antoine Gombaud. He had been puzzled by the following dice problem. Which is more likely: throwing a single six in four rolls of a single die, or throwing double sixes in twenty-four rolls of two dice? Gombaud believed the two events would occur equally often but could not prove it. He wrote to his mathematician friend Blaise Pascal, asking if this was indeed the case. To tackle the dice problem, Pascal enlisted the help of Pierre de Fermat, a wealthy lawyer and fellow mathematician.
Against the Gods: The Remarkable Story of Risk by Peter L. Bernstein
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Albert Einstein, Alvin Roth, Andrew Wiles, Antoine Gombaud: Chevalier de Méré, Bayesian statistics, Big bang: deregulation of the City of London, Bretton Woods, buttonwood tree, capital asset pricing model, cognitive dissonance, computerized trading, Daniel Kahneman / Amos Tversky, diversified portfolio, double entry bookkeeping, Edmond Halley, Edward Lloyd's coffeehouse, endowment effect, experimental economics, fear of failure, Fellow of the Royal Society, Fermat's Last Theorem, financial deregulation, financial innovation, full employment, index fund, invention of movable type, Isaac Newton, John Nash: game theory, John von Neumann, Kenneth Arrow, linear programming, loss aversion, Louis Bachelier, mental accounting, moral hazard, Myron Scholes, Nash equilibrium, Paul Samuelson, Philip Mirowski, probability theory / Blaise Pascal / Pierre de Fermat, random walk, Richard Thaler, Robert Shiller, Robert Shiller, spectrum auction, statistical model, The Bell Curve by Richard Herrnstein and Charles Murray, The Wealth of Nations by Adam Smith, Thomas Bayes, trade route, transaction costs, tulip mania, Vanguard fund, zero-sum game
In the course of that experiment he demonstrated that barometric pressure could be measured at varying altitudes with the use of mercury in a tube emptied of all air. About this time, Pascal became acquainted with the Chevalier de Mere, who prided himself on his skill at mathematics and on his ability to figure the odds at the casinos. In a letter to Pascal some time in the late 1650s, he boasted, "I have discovered in mathematics things so rare that the most learned of ancient times have never thought of them and by which the best mathematicians in Europe have been surprised."5 Leibniz himself must have been impressed, for he described the Chevalier as "a man of penetrating mind who was both a gambler and a philosopher." But then Leibniz must have had second thoughts, for he went on to say, "I almost laughed at the airs which the Chevalier de Mere takes on in his letter to Pascal."6 Pascal agreed with Leibniz. "M. de Mere," he wrote to a colleague, "has good intelligence but he is not a geometer and this, as you realize, is a great defect."'
But the serious study of risk began during the Renaissance, when people broke loose from the constraints of the past and subjected longheld beliefs to open challenge. This was a time when much of the world was to be discovered and its resources exploited. It was a time of religious turmoil, nascent capitalism, and a vigorous approach to science and the future. In 1654, a time when the Renaissance was in full flower, the Chevalier de Mere, a French nobleman with a taste for both gambling and mathematics, challenged the famed French mathematician Blaise Pascal to solve a puzzle. The question was how to divide the stakes of an unfinished game of chance between two players when one of them is ahead. The puzzle had confounded mathematicians since it was posed some two hundred years earlier by the monk Luca Paccioli. This was the man who brought double-entry bookkeeping to the attention of the business managers of his day-and tutored Leonardo da Vinci in the multiplication tables.
By this time Martin Luther had had his say and halos had disappeared from most paintings of the Holy Trinity and the saints. William Harvey had overthrown the medical teachings of the ancients with his discovery of the circulation of blood-and Rembrandt had painted "The Anatomy Lesson," with its cold, white, naked human body. In such an environment, someone would soon have worked out the theory of probability, even if the Chevalier de Mere had never confronted Pascal with his brainteaser. As the years passed, mathematicians transformed probability theory from a gamblers' toy into a powerful instrument for organizing, interpreting, and applying information. As one ingenious idea was piled on top of another, quantitative techniques of risk management emerged that have helped trigger the tempo of modern times. By 1725, mathematicians were competing with one another in devising tables of life expectancies, and the English government was financing itself through the sale of life annuities.
Alex's Adventures in Numberland by Alex Bellos
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Andrew Wiles, Antoine Gombaud: Chevalier de Méré, beat the dealer, Black Swan, Black-Scholes formula, Claude Shannon: information theory, computer age, Daniel Kahneman / Amos Tversky, Edward Thorp, family office, forensic accounting, game design, Georg Cantor, Henri Poincaré, Isaac Newton, Myron Scholes, pattern recognition, Paul Erdős, Pierre-Simon Laplace, probability theory / Blaise Pascal / Pierre de Fermat, random walk, Richard Feynman, Richard Feynman, Rubik's Cube, SETI@home, Steve Jobs, The Bell Curve by Richard Herrnstein and Charles Murray, traveling salesman
Step 3: So, the probability of rolling a six is 1 – 0.482 = 0.518. A probability of 0.518 means that if you threw four dice a thousand times, you could expect to get at least one six about 518 times, and get no sixes about 482 times. If you gambled on the chance of at least one six, you would win on average more than you would lose, so you would end up profiting. The seventeenth-century writer Chevalier de Méré was a regular at the dicing table, as he was at the most fashionable salons in Paris. The chevalier was as interested in the mathematics of dicing as he was in winning money. He had a couple of questions about gambling, though, that he was unable to answer himself, so in 1654 he approached the distinguished mathematician Blaise Pascal. His chance enquiry was the random event that set in motion the proper study of randomness.
Nevertheless, his amateur ruminations had made him one of the most respected mathematicians of the first half of the seventeenth century. The short correspondence between Pascal and Fermat about chance – which they called hasard – was a landmark in the history of science. Between them the men solved both of the literary bon vivant's problems, and in so doing, set the foundations of modern probability theory. Now for the answers to Chevalier de Méré's questions. How many times do you need to throw a pair of dice so that it is more likely than not that a double six will appear? In one throw of two dice the chance of a double six is , or 0.028. The chance of a double six appearing in two throws of two dice is 1 minus the probability of no double sixes appearing in two throws, or 1 – ( ). This works out to be , or 0.055. (Note: the chance of a double six in two throws is not .
Perhaps the cause was the near-death accident in which his coach hung perilously off a bridge after the horses plunged over the parapet, or perhaps it was a moral reaction to the decadence of the dicing tables of pre-revolutionary France – in any case, it revitalized his commitment to Jansenism, a strict Catholic cult, and he abandoned maths for theology and philosophy. Nonetheless, Pascal could not help but think mathematically. His most famous contribution to philosophy – an argument about whether or not one should believe in God – was a continuation of the new approach to analysing chance that he had first discussed with Fermat. In simple terms, expected value is what you can expect to get out of a bet. For example, what could Chevalier de Méré expect to win by betting £10 on getting a six when rolling four dice? Imagine that he wins £10 if there is a six and loses everything if there is no six. We know that the chance of winning this bet is 0.518. So, just over half the time he wins £10, and just under half he loses £10. The expected value is calculated by multiplying the probability of each outcome with the value of each outcome, and then adding them up.
Is God a Mathematician? by Mario Livio
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Albert Einstein, Antoine Gombaud: Chevalier de Méré, Brownian motion, cellular automata, correlation coefficient, correlation does not imply causation, cosmological constant, Dava Sobel, double helix, Edmond Halley, Eratosthenes, Georg Cantor, Gerolamo Cardano, Gödel, Escher, Bach, Henri Poincaré, Isaac Newton, John von Neumann, music of the spheres, Myron Scholes, probability theory / Blaise Pascal / Pierre de Fermat, Russell's paradox, The Design of Experiments, the scientific method, traveling salesman
Engineers trying to decide which safety mechanisms to install into the Crew Exploration Vehicle for astronauts, particle physicists analyzing results of accelerator experiments, psychologists rating children in IQ tests, drug companies evaluating the efficacy of new medications, and geneticists studying human heredity all have to use the mathematical theory of probability. Games of Chance The serious study of probability started from very modest beginnings—attempts by gamblers to adjust their bets to the odds of success. In particular, in the middle of the seventeenth century, a French nobleman—the Chevalier de Méré—who was also a reputed gamester, addressed a series of questions about gambling to the famous French mathematician and philosopher Blaise Pascal (1623–62). The latter conducted in 1654 an extensive correspondence about these questions with the other great French mathematician of the time, Pierre de Fermat (1601–65). The theory of probability was essentially born in this correspondence. Let's examine one of the fascinating examples discussed by Pascal in a letter dated July 29, 1654.
The Physics of Wall Street: A Brief History of Predicting the Unpredictable by James Owen Weatherall
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Albert Einstein, algorithmic trading, Antoine Gombaud: Chevalier de Méré, Asian financial crisis, bank run, beat the dealer, Benoit Mandelbrot, Black Swan, Black-Scholes formula, Bonfire of the Vanities, Bretton Woods, Brownian motion, butterfly effect, capital asset pricing model, Carmen Reinhart, Claude Shannon: information theory, collateralized debt obligation, collective bargaining, dark matter, Edward Lorenz: Chaos theory, Edward Thorp, Emanuel Derman, Eugene Fama: efficient market hypothesis, financial innovation, fixed income, George Akerlof, Gerolamo Cardano, Henri Poincaré, invisible hand, Isaac Newton, iterative process, John Nash: game theory, Kenneth Rogoff, Long Term Capital Management, Louis Bachelier, mandelbrot fractal, martingale, Myron Scholes, new economy, Paul Lévy, Paul Samuelson, prediction markets, probability theory / Blaise Pascal / Pierre de Fermat, quantitative trading / quantitative finance, random walk, Renaissance Technologies, risk-adjusted returns, Robert Gordon, Robert Shiller, Robert Shiller, Ronald Coase, Sharpe ratio, short selling, Silicon Valley, South Sea Bubble, statistical arbitrage, statistical model, stochastic process, The Chicago School, The Myth of the Rational Market, tulip mania, V2 rocket, Vilfredo Pareto, volatility smile
Cardano never published his book — after all, why give your best gambling tips away? — but the manuscript was found among his papers when he died and ultimately was published over a century after it was written, in 1663. By that time, others had made independent advances toward a full-fledged theory of probability. The most notable of these came at the behest of another gambler, a French writer who went by the name of Chevalier de Méré (an affectation, as he was not a nobleman). De Méré was interested in a number of questions, the most pressing of which concerned his strategy in a dice game he liked to play. The game involved throwing dice several times in a row. The player would bet on how the rolls would come out. For instance, you might bet that if you rolled a single die four times, you would get a 6 at least one of those times.
Fooled by Randomness: The Hidden Role of Chance in Life and in the Markets by Nassim Nicholas Taleb
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Antoine Gombaud: Chevalier de Méré, availability heuristic, backtesting, Benoit Mandelbrot, Black Swan, commoditize, complexity theory, corporate governance, corporate raider, currency peg, Daniel Kahneman / Amos Tversky, discounted cash flows, diversified portfolio, endowment effect, equity premium, fixed income, global village, hindsight bias, Kenneth Arrow, Long Term Capital Management, loss aversion, mandelbrot fractal, mental accounting, meta analysis, meta-analysis, Myron Scholes, Paul Samuelson, quantitative trading / quantitative finance, QWERTY keyboard, random walk, Richard Feynman, Richard Feynman, road to serfdom, Robert Shiller, Robert Shiller, selection bias, shareholder value, Sharpe ratio, Steven Pinker, stochastic process, survivorship bias, too big to fail, Turing test, Yogi Berra
Rozan's book: Rozan (1999). Mental accounting: Thaler (1980) and Kahneman, Knetch and Thaler (1991). Portfolio theory (alas): Markowitz (1959). The conventional probability paradigm: Most of the conventional discussions on probabilistic thought, especially in the philosophical literature, present minor variants of the same paradigm with the succession of the following historical contributions: Chevalier de Méré, Pascal, Cardano, De Moivre, Gauss, Bernouilli, Laplace, Bayes, von Mises, Carnap, Kolmogorov, Borel, De Finetti, Ramsey, etc. However, these concern the problems of calculus of probability, perhaps fraught with technical problems, but ones that are hair-splitting and, to be derogatory, academic. They are not of much concern in this book—because, inspite of my specialty, they do not seem to provide any remote usefulness for practical matters.
How I Became a Quant: Insights From 25 of Wall Street's Elite by Richard R. Lindsey, Barry Schachter
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Albert Einstein, algorithmic trading, Andrew Wiles, Antoine Gombaud: Chevalier de Méré, asset allocation, asset-backed security, backtesting, bank run, banking crisis, Black-Scholes formula, Bonfire of the Vanities, Bretton Woods, Brownian motion, business process, buy low sell high, capital asset pricing model, centre right, collateralized debt obligation, commoditize, computerized markets, corporate governance, correlation coefficient, creative destruction, Credit Default Swap, credit default swaps / collateralized debt obligations, currency manipulation / currency intervention, discounted cash flows, disintermediation, diversification, Donald Knuth, Edward Thorp, Emanuel Derman, en.wikipedia.org, Eugene Fama: efficient market hypothesis, financial innovation, fixed income, full employment, George Akerlof, Gordon Gekko, hiring and firing, implied volatility, index fund, interest rate derivative, interest rate swap, John von Neumann, linear programming, Loma Prieta earthquake, Long Term Capital Management, margin call, market friction, market microstructure, martingale, merger arbitrage, Myron Scholes, Nick Leeson, P = NP, pattern recognition, Paul Samuelson, pensions crisis, performance metric, prediction markets, profit maximization, purchasing power parity, quantitative trading / quantitative finance, QWERTY keyboard, RAND corporation, random walk, Ray Kurzweil, Richard Feynman, Richard Feynman, Richard Stallman, risk-adjusted returns, risk/return, shareholder value, Sharpe ratio, short selling, Silicon Valley, six sigma, sorting algorithm, statistical arbitrage, statistical model, stem cell, Steven Levy, stochastic process, systematic trading, technology bubble, The Great Moderation, the scientific method, too big to fail, trade route, transaction costs, transfer pricing, value at risk, volatility smile, Wiener process, yield curve, young professional
In contrast, the Enlightenment view of science (the view of Francis Bacon and his intellectual followers) defines science in terms of improving the understanding of the forces at work in the world with which we interact. In this context, utility is a natural measure of scientific contribution. Fermat, in the seventeenth century, was the first to correctly solve certain problems related to games of chance, problems posed to him (and to Blaise Pascal, a mathematician famous for his triangle, among other things) by a well-known player of such games, the Chevalier de Mere, who was looking, not for Aristotelian truth, but for the proper rules to use to split the pot of cash wagered in a game that ends before there is a winner. If Fermat wasn't a quant by Joshi's definition, then we can't tell a quant from a quail. As Douglas Adams (author of the science fiction classic, The Hitchhiker's Guide to the Galaxy) said, "If it looks like a duck, and quacks like a duck, we have at least to consider the possibility that we have a small aquatic bird of the family anatidae on our hands."


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Time for a dividend stock analysis over a company we are all well aware of, are one of our dividend aristocrats and is a legacy type stock. We all have seen the commercials, definitely have had a bite of their branded products and is a staple in almost every household. Who else doesn't want a jolly green giant, multi grain crunching cereal with a little "woo hoo" from a poke in the stomatch? Yes, I am referring to the General Mills (GIS) company who pumps over $19 billion in sales annually (combined domestic and international). Let's see how good that honey bee tastes!
The Stock – General Mills (GIS)
General Mills (GIS) – Who doesn't eat cereal? Who doesn't love at least one of the brands that they own – Betty Crocker, Pillsbury, Cheerios, Wheaties, Lucky Charms, Haagen Dazs ice cream, the big green giant, Old El Paso for taco nights, Totinos pizza (come on college kids), Progresso soup and even Yoplait yogurt. Talk about a slew of products, across different areas of breakfast, baking, dinner, snacks and quick meals. Definitely a company that I have seen one of their brands in everyone's cupboards, that is for sure. From Google to provide a summary of the company, "General Mills, Inc. is a global manufacturer and marketer of branded consumer foods sold through retail stores. The Company is a supplier of branded and unbranded food products to the foodservice and commercial baking industries. The Company has 50 percent interests in two strategic joint ventures that manufacture and market food products sold in more than 130 countries worldwide. " Sounds about right to me. What caused me to do the research is that I had a box of Cheerios in my cupboard, yoplait yogurts in the refrigerator with a can of Progresso soup on the shelf as well (loving General Mills coupons by the way!). And thought – to heck with it, research time it is. Let's look at the metrics now that we've gotten a pretty good background on the company out of the way…
GIS – Dividend Diplomat Screener Analysis
Well, as of this writing on 5/10/15 – the stock is trading at $56.27. They are over $30B in market capitalization and are a strong branded company. Though they are not a low yield, high dividend growth company, I'm curious on how that dividend has been holding up. They are up about 5.5% this year and over the last 52 weeks are up 3.44%. Using the dividend diplomat stock screener, lets check the stats:
- Price to Earnings – Forward earnings are looking to be $2.99 now based on the analysts for FY 16 (they have a May year end). With the price at $56.27, this means the P/E is roughly 18.82 – a smidge below the S&P's approximate 20 and is below the industry average of low to mid 20's and is also below competitor of Kellogg.
- Dividend Yield – Current dividend payment is $1.76 per year after a 3 cent increase from 41 cents per quarter to 44, or 7.3% growth this year, not bad. Yield is currently at 3.13%, higher than the average market and also a tad higher than Kellogg. Also – it's higher than the cost of my auto loan, but still is lower than my after-tax mortgage interest rate as discussed on my debt update.
- Payout Ratio – At an expected $2.99 EPS for the year with a $1.76 dividend, this leads to a payout ratio of 59%. Just below the 60% threshold that I like to see, and they traditionally are using on the higher end (in the 70's), so still shows there is slight room to grow.
- Dividend Growth Rate – As well all know, the power of the growth rate is real. General Mills has great history of dividends, one that we have all come to love and with a recent 7.3%, that is not too shabby. The 3 year dividend growth rate is 11.12% and the 5 year dividend growth rate stands at 11.79%. These are both higher than my over dividend growth rate %, I love it, as I recently described my portfolio assessment (I'm currently at roughly 6.83% due to an oil stock standing still).
- Share Buy Back – On March 6th, 2015, from their recent 10Q filing – the # of shares were 596,089,958. Last year's March 2014 filing, the # of shares were 614,492,206. Whoa.. this is a drop of 3% of their total shares and it doesn't look like it's slowing down. Further, the board in 2010, "On June 28, 2010, our Board of Directors approved and we announced an authorization for the repurchase of up to 100,000,000 shares of our common stock. Purchases can be made in the open market or in privately negotiated transactions, including the use of call options and other derivative instruments, Rule 10b5-1 trading plans, and accelerated repurchase programs. The Board did not specify an expiration date for the authorization." See why this is big news for dividend investors and is a good note to consider for GIS. Essentially – management can control shares, which controls EPS, which then can control the payout ratio/dividend increases/amounts.
- Five Year Dividend Average – General Mills not looking too shabby here, with a 5 year average yield of 2.90%, which is less than the 3.13%, I dig it, I dig it. As you know – I love the comparison to the five-year dividend yield average!
- EPS Growth: I also want to show the EPS growth GIS has had over the last 3 years from 2012 to 2014. Though they are a May year end, this is the easiest for me to view right from, so essentially this is May 2012 through May 2014. From 2012 – to 2013 = 18% earnings growth but from 2013 to 2014 = only 1.4% earnings growth. Through 9 months of FY 15, they were only at $1.71 EPS or $2.28 annualized (still enough to cover the dividend), but I believe their 4th quarter, analysis are projected over $1 EPS. We shall find out. I don't really like to see EPS slide, obviously. They have had big impairment charges that they haven't had in the past at the level they have had this year. Wonder how their earnings will play out.
Conclusion on GIS Stock Analysis
Hmmm…. I'm not too sure what to think. I'd like to see the full year earnings per share before I make any decisions or add to my watch list. Obviously the dividend growth rate of over 10% is awesome, but at the same time, earnings are being pressured and a sign is from their recent increase of just a tad over 7%. What I do like is that the yield is strong, they are a legacy brand with some of the most popular names out there. Even if they can only maintain a 7% dividend growth rate and the yield remains around 3%, they would remind me a bit of Johnson and Johnson, who I recently purchased for my 2nd time a bit ago. I'll continue to monitor and may hold back from a stock watch inclusion until I see the EPS figure and read why it was down and "why" it would be better "next year" – something that hurts Clevelanders stomach from our sports fiascos.
How about you the readers? Do you like the valuation where it is at now? Would you buy some of these cheerios here? I'd be curious to see. I think they are a well known, large, solidly run company and a staple amongst families with children, without a doubt (even adults, come on now!). I am curious on your thoughts! Thanks everyone and happy investing!


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Recipes in French and English are on the left page. On the right hand side, a story about the dish and the recommended wine to be served.
"When I came to Australia , I brought this aspect of the French culture with me and started cooking French meals for my friend, sharing the story behind each recipe…"


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Climate Change and Health
Climate change is the largest threat to global health in history. Health systems, on the other hand, exist to promote, protect and improve people's health, and to prevent and treat disease. As large, resource and energy-intensive organizations that employ many people, health systems produce large amounts of greenhouse gases. Therefore, they contribute to climate change, raising the paradox that, on balance, they may, inadvertently, do people's health more harm than good in the long term.
The impacts of climate change on health
The World Health Organisation estimates that global warming and trends in rainfall due to human-induced climate change already claim over 150,000 lives annually. Diseases associated with climate change include heart and lung disease due to heat waves, increased spread of infectious diseases, and malnutrition due to crop failures.
Sub-Saharan Africa is one of the most vulnerable regions, especially its sprawling cities where the effects of urbanisation aggravate extreme climatic events. More people die from the effects of climate change in Africa than anywhere else.
The map shows deaths from climate change for 2002 as estimated by the World Health Organization (WHO).
Humanitarian disasters like the famine in Somalia, where the effects of drought are being compounded by corruption, conflict and political instability, are likely to become more frequent. With refugees pouring into camps in Kenya at the rate of 1500 a day – 80 percent of them women and children – and uncountable deaths, this is emerging as Africa's worst humanitarian crisis in decades.
But the health impacts of climate change extend beyond those directly due to heat waves, floods and droughts to include those due to destroyed livelihoods, altered land use, and food insecurity. These include large-scale migration from affected areas, leading to squalid urbanization, social disruption, conflict, and instability; and increasing the burden on already overburdened health systems.
The impact of health systems on climate change
Given the devastating and growing impact of climate change on health, it is ironic that health systems themselves contribute substantially to climate change through their enormous greenhouse gas (GHG) emissions.
While no data exist for South Africa, it is possible to extrapolate from the United Kingdom (UK), where research by the Sustainable Development Unit (SDU) – a unit within the National Health Service (NHS) established recently in recognition of the urgent need to address the NHS contribution to climate change – shows that in 2004, the carbon footprint of the NHS was 18.61 million tons (MtCO2) per year, representing 25% of England's public sector emissions. It has since grown to 21 MtCO2 per year, which is larger than some medium-sized countries.
This carbon production is made up of an 'external' component (coal burning for energy, food processed and transported, transport used by staff) and an ''internal' component – calculated per hospital bed or per outpatient visit.
The table below shows that the CO2 emissions resulting from a typical hospital admission in the UK are approximately 7 times greater than an outpatient visit.
South Africa's total carbon emissions per capita are remarkably similar to those of the UK. In 2008 for example, the carbon footprint of the UK was 8.5 metric tons of CO2 per capita, while in South Africa it was 8.8. Moreover, in South Africa, to a far greater extent than in the UK, greenhouse gas emissions are disproportionately produced by industries, a corporate sector, and conveniences that predominantly cater to the demands of a small elite.
While South Africa has 28 hospital beds per 10000 people overall, the public and private sectors have 22 and 38 beds per 10000 respectively. Our private sector is more hospital-centered than the public sector, and its bed number is almost identical to the UK's 39 per 10000 people.
Thus, we can reasonably assume that both the 'external' and the 'internal' components of health system emissions in South Africa's private sector are comparable to those of the UK.
Public sector emissions are likely to be lower per capita because of the greater proportion of facilities that serve mainly outpatients (clinics and health centres) with relatively fewer energy-consuming, GHG-producing inpatient beds and technology.
Given the above, urgent action is needed to reduce health sector greenhouse gas emissions on a massive scale. Health systems exist to promote and protect the health of populations, and they should not themselves contribute to the causation of disease. Furthermore, health systems must be sustainable into the future.
Climate change increases the urgency of health system transformation in South Africa
The growing awareness of the interactions between health systems and climate change challenges us to ensure that our new health system not only provides good health care for all now and in the future, but that it also minimizes its impact on the planet and is sustainable.
The parallel policy initiatives of the NHI and Re-engineering Primary Health Care' could, if thoughtfully implemented, address three crises simultaneously: the health crisis, the employment crisis, and the carbon emissions crisis.
The common core of these policies would be to move the centre of gravity of the system out of the hospitals and into the community, closer to where people live. This will entail new thinking about human resources for health, with a shift in emphasis from the hospital based, doctor-centered model to a community-based model that incorporates more community and midlevel health workers.
With the necessary political will and a participative multi-sectoral approach, massive reductions in GHG emissions can be achieved and simultaneously large numbers of jobs created.
Greening the health system is highly likely to save money and to create employment both within the health service itself and in other sectors that are necessary for the process.
In the UK the SDU calculates that the NHS can save at least £180 million per year by reducing its carbon emissions. Some of the measures being considered and implemented include: reduction of hospital energy consumption and costs through efficiency and conservation measures; construction and modification of hospitals and facilities to ensure responsiveness to local climate conditions with reduced energy and resource demands; on-site production and consumption of clean, renewable energy; use of alternative fuels for hospital vehicle fleets; encouraging public transport for staff and patients; reducing expensive imported processed foods; providing sustainably-grown local food for staff and patients, ideally procured from small local farmers or produced in hospital grounds by community members; reduction, re-use, recycling and composting; employing alternatives to waste incineration; and conserving water.
Implementation of these measures in South Africa would create jobs and expertise in the health, transport, agricultural and other sectors and in the fields of recycling, energy conservation and renewable energy production.
In the run-up to COP17 in Durban in late November South Africa, the host, will be expected to demonstrate its own commitments to reducing its carbon footprint. To our knowledge plans to address health sector emissions are at best embryonic. Many of the above measures, researched in the UK, should be urgently explored here.
Radical health system transformation and job creation are two key imperatives for South Africa. It is essential that this transformation should address not only the health and employment needs of people in South Africa today, but also those of future generations.
The advent of the NHI gives us an historic opportunity to build a sustainable national health system that not only meets the health care needs of all, but that also addresses and minimizes the growing impacts of climate change by reducing its own greenhouse gas emissions; playing a leading role in promoting social justice and equitable socioeconomic development in order to minimize the impacts on the poor and vulnerable; and finally, being prepared and ready to deal with the changing disease patterns that emerge in the wake of climate change.
To do all this, we will have to confront powerful groups with vested interests who will resist transformation at many different levels. These must be overcome. Such a transformation of South Africa's health sector will require strong political will and concerted efforts by all progressive organs of civil society.
Associate Professor Louis Reynolds, Health Sciences Faculty, University of Cape Town.
Emeritus Professor David Sanders, School of Public Health, University of the Western Cape.
Both authors are paediatricians and members of the Peoples Health Movement archive1.phmovement.org
This is the second of a 2-part series on the NHI, based on an article written for the One Million Climate Jobs Campaign. First part see here.


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In the latest in a series of extracts from America Inc: The 400-year history of American capitalism Bhu Srinivasan recounts how the transformation of American roads led to the development of department stores and the decay of cities.
In the summer of 1960, a green GMC pickup truck with camper attached was delivered to John Steinbeck's home in Sag Harbor, New York. Years after writing The Grapes of Wrath, he had countered his country's migratory pattern west by leaving California to settle in this former fishing village on Long Island. Having crossed middle age, and insulated by financial success and literary acclaim, Steinbeck had felt a need to reconnect with America. To once again see and feel his country in the flesh, rather than through news accounts and television footage, Steinbeck embarked on a road trip with his dog, Charley.
After a few days on the country roads of New England, doing his best to avoid interstate highways, Steinbeck was forced to take his green truck onto I-90, "a wide gash" through the wilderness that seemed to him the new "carrier of the nation's goods." Efficient but without distinction, the interstate led him to lament the possibility of driving from New York to California "without seeing a single thing," as the highways were completely removed from local life, a sterile arterial system made up of endlessly paved tar with new, long freight trucks speeding along. The national sameness both struck and distressed him, evoking the feeling of an America lost, of efficiency as the paramount cultural thread as infrastructure changed the landscape.
The nation's most dominant industry at the turn of the century, railroads, had finally ceded its supremacy in moving commerce. In 1945 railroads carried five times the freight of commercial trucks. In less than twenty-five years, revenues from shipping via tractor-trailers — each one the size of a single rail car — exceeded the railroad's. This made perfect sense. With each new housing development in suburbia, entire local economies needed to be built around it. Movie theatres, shopping centres, and chain grocery stores, along with local services such as doctors and dentists, started filling out the commercial ecosystem. Instead of quaint town centres with intersections and sidewalks, the new commercial centre of America was typified by large parking lots. In the back, suburban stores often had loading bays that made it efficient to pull up a giant truck. Rather than unload railroad freight at a hub onto local trucks, a preloaded freight truck sent across the country point to point was far more cost-effective in many instances.
This had repercussions for old small towns, communities that already had thriving Main Streets of cobblers and toy stores, bookstores and furniture showrooms. Starting in the late fifties, retailing spawned the idea of the discounter. Just as the railroads had once enabled catalogue merchants like Sears and Montgomery Ward to erase the markups on goods due to distance, the interstate highway opened up logistical possibilities to this new class of entrant.
Unlike the multi-story retail palaces of the downtown department stores or the variety stores that peddled low-cost goods, the new category of discount stores sold everything from appliances to detergent to lawnmowers. The fundamental consideration of the discounters was price. The philosophy was to do away with all aspects of costly service and fixtures, sell goods as cheaply as possible, and do so in volume. In erecting their stores on the peripheries of cities, the stores reflected the economics of the merchandising strategy. Bright fluorescent lights, linoleum floors, cash registers in the front of the store, shopping carts, and limited floor personnel, all accompanied by the most important feature of all: acres of blacktop with hundreds of painted lines for the parked cars.
In the age of postwar American affluence, the retail trend that was sweeping the nation was the opposite of gilded. The department stores of the late nineteenth century had served as a glimpse of luxury for Americans of all economic strata, but the consumer of the 1960s gravitated to the illusion of thrift, of maximising value, at a time of unprecedented middle-class prosperity. The obsequious salesman waiting on the customer was considered not a luxury but an unnecessary intrusion and overhead expense. What assured customers was the names of the brands sold in the stores — the same brands advertised on TV and in magazines. If the price was the same, what difference did the retail environment make? As a result, discount stores in the suburbs were built to the lowest cost specifications allowed by building codes.
As in many phases of American capitalism, the early winners were not the final winners. In mid-1962, the giant Woolworth's announced a new chain called Woolco. S S Kresge, an operator of similar variety stores, opened a new discount concept called Kmart the same year. Both were overshadowed momentarily by the discount king of the era, Eugene Ferkauf, the founder of the arbitrarily named E J Korvette. The company operated just seventeen stores, but its revenues had climbed to $230 million. It profits, holding with the principle of low margins, were a little over $4 million. The industry as a whole had grown to four thousand stores and several billion dollars in sales by the early sixties.
Low margins, however, were a double-edged sword. The simplicity of leasing or building a large warehouse-type space, stuffing it with goods trucked in from distributors, and selling the best-selling items at close to or below cost left little room for error. Be it a mistake in ordering, shrinkage from shoplifting or employee theft, shortages at a distributor — anything could turn a low-margin business from profitability to losses. Indeed, the industry suffered a dramatic shakeout, with weaker stores closing. But the weakness was operational: The stores rarely closed due to lack of sales, but usually from an inability to generate profits from those sales. The onetime leader E J Korvette sold out to a garment maker and ceded the discounting market to Kmart, which was on its way to becoming the leading retailer in the country.
But the intense competition among discounters had other casualties. Small mom-and-pop shops often had little pricing power in competing with stores that literally sold everything. Contemporary criticism often suggested that this was a distorted free market at work. In 1965'sThe Great Discount Delusion, Walter Henry Nelson pointed out the fallacies of low prices and their impact on small businesses. Often the discounter, in an advertisement, listed a price below cost on a highly popular good such as a new toy or popular brand of toothpaste. The "loss-leader" served to drive customers into the store, where the discounter then made up the difference on other goods. For a small shop focused on selling one category of product, such as toys or books, to compete with the loss-leading practices of a discounter on best sellers was particularly devastating — there was no place for this specialised retailer to make up the loss. Loss leaders also served to cement the belief among consumers that the discounters generally offered lower prices across the board. This then served to attract shoppers from long distances, drawing commerce away from the Main Streets of small town America.


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Zenith watch collections
Items 1-48 of 92
New Zenith Watches
Zenith Watches for Sale
Zenith Watches for Sale – Classy and Elegant
Your vibe attracts your tribe. Gather all the good vibes around you to nail your presence among your tribe aka acquaintances. Be conscious of what you do and what you incline towards. Rest assured; it is going to speak a thousand words about your personality.
Be it a business tycoon or anybody in the office, be it a lecturer or a sales executive, anyone with a professional attitude knows the fact that a hand does the talk every time. You look more coherent and orderly while conveying your message through non-verbal signs. It even has a big impact on your overall influence.
What could be more wear-worthy than that of an elegant timepiece that serves multiple purposes to the buyer? Zenith watches can be an utmost reliable choice for those who love to be discerningly voguish and elegant. Zenith watches for sale are available both online and in local stores as well. It isn't all about the professionals! Even the non-working populace yearns to pull off some eye-catching designs and styles. Hence, Zenith watches come in different sizes and designs. Whether you are craving a sober and elegant collection of watches or a fancy bunch of timepieces, buy a Zenith Watch to satiate all that you desire.
The most desired classifications under the banner of Zenith watches are vintage Zenith watches, Zenith el primero, Zenith chronomaster, Zenith defy, and Zenith pilot watch, etc. These are amazing categories that display eyeful and prepossessing timepieces covering all aspects of service. These watches are crafted beautifully and extraordinarily with little to no shortcomings. Find these models of Zenith watches for sale from WatchShopping.com.
Zenith Defy A-7682
It is one of the most immensely beautiful timepieces of this company. The simplicity is just unique in its own way. The square-shaped case is of steel material, while the dial in the same color is pretty round. The strap along with the buckle is of pure steel, and the strap is segmented into different parts. The segmentation, for the designing purpose, in the strap makes it wonderfully off the center.
The back case and the dial are of maroons' color while the entire piece is basically in silver. The diameter is 44 mm wide. There's a silver screw crown attached to it while no push button. The dial comprises of golden watch markers while the minute and hour hands are present in silver. Shop these impeccable Zenith watches for sale where the gold and maroon complement each other, you can find it at WatchShopping.com.
Zenith Chronomaster El Primero Skeleton
It is an exceptional piece with technical specifications. It is a chronograph watch with central chronograph hands, a 12-hour counter at 6 'o clock and a 30-minute counter at 3 'o clock. It also indicates small seconds and date, other than minutes and hours. This Zenith Chronomaster is useful in multiple terms and ways. The diameter is 45 mm wide. It is resistant to water.
The strap is made up of black rubber and coated with carbon fiber. The dial is black and round with silver hands and watch markers inside. The case is made of ceramic that has two crowns and one push button attached to it.
Zenith Pilot Cronometro Tipo CP-2 Flyback
This is a handsome timepiece in green color. The green strap is composed of nubuck leather with rubber lining covering the surface. The clasp is composed of Titanium pin buckle. The case is pure and stainless steel, while the dial is in slate grey color which matches really well with oily green.
The Zenith Pilot Watch available for sale has a central chronograph hand with a 30-min counter at 3 o clock. It also provides the indication for small seconds as it has a handful of functions of a chronograph timepiece. However, it doesn't have the dual counters. The diameter is 43 mm wide. Two screw crowns and a push button are attached to the case. The strap due to its rubber material is foldable which you can find at WatchShopping.com.
Zenith Vintage Cocktail Watch for Ladies
As the name of this timepiece is self-explanatory, it is a masterpiece for ladies to wear. The bracelet material is available in white gold. Similarly, the case material is also sheer white gold. The bracelet is skinny and looks gorgeous on a female wrist. The width of the buckle is just 6 mm. The inner surface of the round dial is in rose gold color and the numerals, watch markers and hands are given in silver color resembling the outer surface of the timepiece. There are tiny pieces carved in the strap; rhombus shaped pieces probably.
It does not offer any dual functionality. It just shows hours and minutes index. There's a single screw crown attached beside the case, and no push buttons could be seen. The back case is much similar to the dial's inner surface in terms of color. The buckle is a mix of golden and silver color. Buy Zenith watches for sale today from the best online watch store!
This was just the tip of the iceberg. These are only a select-few Zenith watches with many more offered by the company. So, go through the list of Zenith watches and purchase your most desired one!


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Ever since our very own Mohamed Salah joined Liverpool, he stole everyone's hearts at Anfield (As if it's something new).
He has a huge fanbase, and he even has his own songs.
However, what really stuck with us are the friendships he made there. A very special one particularly stood out for us, and it's the connection between him and Croatian defender Dejan Lovren.
So here are 7 times Mohamed Salah and Dejan Lovren were friendship goals!
1# Salah's Golden Boot:
When our one and only Salah won the Premier League's Golden Boot, Lovren was just as proud as we all were, and maybe more!
"Can I talk to you?"
"What's your name?"
2# When Lovren drove Salah to the LFC awards and forced him to put on the seatbelt:
This might be the funniest of their stories on Instagram together.
But anyway, thank you Lovren for taking our boy to receive his awards and making sure he's safe (even if you're making fun of him), not too many would do it, right?
3# The Coffee interview:
According to their stories on Instagram, both Salah and Lovren have a coffee obsession. So, they literally did an interview to argue about it.
And their undying coffee obsession continues!
4# "Next President of Egypt":
Lovren is no different than us, he too thinks Salah is the next Egyptian President!
5# They always tease each other:
Salah and Lovren literally argue all the time, even on Lovren's birthday. Their love/hate relationship is always displayed to us, especially on Instagram.
6# When Lovren elbowed Ramos on the Champions League final:
Not too many people noticed this one, but Lovren revenged our golden boy, just minutes after Ramos injured him!
7# Salah's first Instagram like EVER:
Seems like Salah isn't too much into liking pictures on Instagram, but hey, at least his first like ever went to his best mate in Liverpool.
The bromance between Mo Salah and Lovren continues 😂 pic.twitter.com/uQKiPgjlZd
— Furious Firmino (@FuriousFirmino) May 19, 2018


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The Darkest Hour actress opted for a strapless Burberry gown for the awards ceremony, the couple are both ambassadors for the English fashion house. James joined the other actresses on the red carpet who wore black in solidarity with the Time's Up movement.
Cosmo U.K. reports that Lily slipped off her ring when she changed into a more casual slip dress for the BAFTAs after party.
Last year, the former Downton Abbey actress shared that while the relationship was going well, there was no truth in talk of an engagement. "We're not engaged yet. But it's going very well," she told The Sun and during an interview on Good Day L.A. in July, Lily gushed about the romance, beaming, "it's no secret – we're very happy."


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Construção e avaliação de um programa multimodal de habilidades comunicativas para a adultos com deficiência mental
Aguiar, Adriana Augusto Raimundo de
MetadataShow full item record
Studies in the field of Special Education state that mentally challenged people present difficulties as to communication and interpersonal rapport. This fact has defined the necessity of structuring training programs on these abilities, so that these challenged people can be inserted in the community in an extensive way. Based on these concerns and on the lack of descriptive studies depicting interventions with mentally challenged adults in general and in the field of communicative abilities in particular, the present paper aimed at the following: a) elaboration and description of tools and procedures for the evaluation and promotion of communicative abilities of mentally challenged adults; b) design, implementation and description of a program to promote verbal and non-verbal communicative abilities for a group of mentally challenged adults; c) analyses of each of the program participants performance, according to indicators obtained in different moments of the intervention. Six mentally challenged adults have taken part in this study as well as professional informants and family members. The communicative performance was assessed by means of questionnaires and interviews and direct behavioral observation. The program focused on the training of verbal and non-verbal abilities through mingling techniques associated to pedagogical, cognitive behaviorist and speech- language-hearing approaches. The performances were recorded in scores and organized in protocols, which were subject of individualized analyses as compared to the group, taking under consideration the consistency of changes between the differences before and after the interventions. The results have pointed: positive changes in several trained components, reliable positive changes in some components, as well as in the group participants and family member s satisfaction with the intervention. The contribution of this paper in terms of produced knowledge has been discussed, as well as the performed stages, decisions and challenges of this research-intervention and the importance of investment in researches in this area, involving the construction, adaptation and improvement of social and communicative abilities evaluation tools for the social and communicative abilities for the mentally impaired, in particular the adult population.


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The Independent newspaper highlights the hidden problem of gross underfunding down to 6.5% of GDP for the NHS according to the King's Fund.
Deloitte's 2014 report for the Royal College of General Practitioners highlighted chronic under-funding and under-investment in general practice. The proportion of money going into general practice, as a percentage of the NHS budget, has been shrinking. At the same time, demand is rising – and ever more services are carried out by GPs. Surgeries have extended opening hours and there has been a shift of hospital care into communities. For example, type 2 diabetes care used to be provided mainly by hospitals but now generally takes place in the community.
As a result, GP workloads are stretched to breaking point. Patients are frustrated as they are unable to book appointments. When I applied to general practice training in 2008-9, it was seen as an attractive career prospect. Fast forward to the present and junior doctors are put off by the prospect of burn-out. Many older GPs are retiring early due to stress. There is a serious recruitment and retention crisis. Unsurprisingly, there is a reliance on locum doctors. Instead of training sufficient numbers, the Government's strategy will be to recruit more doctors from abroad and introduce physician associates.
To add insult to injury, GP funding to deprived areas is in danger because of government plans to phase out the Minimum Practice Income Guarantee. Furthermore, the new GP contract is in the pipeline. Based on the junior doctor contract, it seems probable that this contract will not deliver what is needed. This would force smaller practices to close their doors. GPs are now threatening mass resignation as the only way of getting the government to listen.


text: Joensuu Helsinki road map is an important to complete our driving and travel plan. Our Joensuu to Helsinki route map consist of hotels, tourist places, en route places, highway numbers and surrounding places. Joensuu to Helsinki route is marked in blue color, the starting point is marked with the lable A and destination points marked with lable B.