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What are your thoughts about influencer marketing?
Marketing can be many things. One of the most popular trends is using an influencer to promote your business.
This is not something new. We've seen celebrity endorsements since 4 decades ago, if not longer. We don't all have the budget to spend that kind of money on an endorsement.
Luckily we can use micro-influencers. These are people we follow on social media, who we value their opinion, and most importantly, our audience values their opinion.
How to find the right micro-influencer?
It has to be a combination of a few things:
Audience – the influencer's audience must be aligned with your audience. If you have an accounting business, you most likely won't be using an influencer from the fashion industry. But if you have a daycare, chances are that you'll find potential clients if partnering with a mom-child influencer.
Budget – always ask the influencer how much they are asking. Some will be perfect for you in terms of audience but are way over your budget. Ask what are you getting in return; is it a blog post, story, tag, etc.
There are many things we can talk about when it comes to influencer experience. We'll save it for another post.
Do you use influencers in your business?


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Ruby Tizzard
79, of Dartmouth - It is with great sadness that we the family of Ruby Phyllis Tizzard announce her death as a result of cancer diagnosed in 2010. Born in St. John's, Nfld. she was married to the late Robert Maxwell Tizzard who passed away in 1987. She was the daughter of the late William and Emma Bishop. Ruby was predeceased by two brothers, Bill and Lloyd. She is survived by her sister Doris Cooney and several nieces and nephews in St. John's, Nfld. Her daughter Debbie lives in Moncton, N.B. with husband John and they have three children, Brian (Banff); Meghan (Oxford) and Kristy (Haileybury, Ont.) Ruby's son Robert (Bobby) lives in Dartmouth. They had a special bond and she relied on him as he was always there for her. Ruby worked for many years with the Dartmouth Community Homemakers Association. She retired at 67 years of age and leaves behind a legacy of caring for family and others. She was an active member of the Dartmouth Senior Center. She enjoyed lawn bowling, darts and lane bowling. She was a proud member of "The Golden Girls" some of whom have left this world (Olive and Nadie) leaving behind Brenda, Rose, Edna and Ada to carry on. Ruby loved life, especially being involved with her family, grandchildren and friends. She loved Debbie and John's dog, Rascal, who died in February 2009 and we know he is waiting for her with his leash or to curl up on the sofa to watch a good game of curling or hockey with Sid the Kid. Family thanks everyone for their kindness and support throughout this difficult year. Special thanks to all the Golden Girls and Zelda, Ed and Bev.
Donations would be appreciated to The Dartmouth Senior Center, Dartmouth General Hospital, the local SPCA or charity of choice. Cremation has taken place. A memorial service will be held on Thursday, December 23 at 10 a.m. at A.L. Mattatall Funeral Home, 217 Portland St., Dartmouth, reception to follow. Private interment at a later date in Mt. Hermon Cemetery. To place a message of condolence please visit www.mattatallfuneralhome.com

subset: commoncrawl


text: Tairua and Pauanui about to get compliant with national drinking water standards 17 December 2019 One of the core services our Council provides is water supply to 12 communities across the district. Video - click to watch: Principles and methods of treatment for small drinking water supplies. These plants use a range of different technologies to treat the water, but for a variety of reasons, some of our communities water supply is not compliant with the national Drinking Water Standards. Our contractors, Masons Engineers, will have completed the construction of the new Tairua water treatment plant building by Friday, 20 December with the overall completion anticiapted for May 2020. The floor slab for the Pauanui water treatment plant was poured last week (pictured right) and the building consent submission for the Coromandel Town upgrade was also submitted last week with construction is expected to start May/June 2020. The Whitianga water treatment plant at Moewai Rd was the first plant to be upgraded and opened in July 2019. The $2.8 million water treatment facility is on the same site as the old one, with a brand-new plant with the latest technology and methodologies for treating our water. "This is all a significant achievement bearing in mind the amount of work that has been pushed through so far," says our Council's Project Manager, Andrew Boden. At today's Council meeting it was agreed that until the plants at Tairua, Pauanui and Coromandel Town are completed, work on Stage Two would not proceed until staff had a chance to report back on the final, detailed costs so far. As part of the 2018-2028 Long Term Plan budgeting, the first three years of costs were allocated at an approximate figure of $15 million. "To date the project has proceeded well, with the various parties; Council staff, specialist engineering consultants (Lutra), the quantity surveyors (Bond CM), Veolia, Masons and subcontractors, all working well to ensure a quality project," says Mr Boden. "At this point in the project, halfway through the first three years, and with asset management planning for the activity, as well as development of the 2021-2031 Long Term Plan commencing, it is appropriate that the project is paused to review the work-to-date, the costs incurred, and consider the staging of programme heading forward," he says. Stage two includes the remaining treatment plants at Whangamata, Onemana, Matarangi, and Hahei. Meanwhile, the drinking water treatment plant at Thames was upgraded more recently than the other plants, and is not due for an upgrade as part of this project. About the Drinking Water Standards upgrade programme These upgrades are focused on improved performance and that our drinking water quality complies with the current NZ Drinking Water standards. It's one of the largest projects being worked on by our Council in recent years and represents a change in the technology utilised for water treatment in the district, as required by the current drinking water standards. It has been of high importance following a Government inquiry sparked by the 2016 Havelock North gastro outbreak, which was linked to four deaths, and called for a major overhaul of water supplies, including mandatory treatment.


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Spencer Sloe, Global Head of Ad Product and Innovation at Bloomberg Media, shares insight into the publisher's suite of digital advertising solutions, including a recently added self-serve mobile ad tool called Boost. "When you look at what is going on in market, the reality is that we're competing against the Facebooks and Googles of the world, and soon the Amazons of the world," Sloe says. "The easier we can make it for those advertisers and marketers, the better position we'll be in to compete."
We also discuss how the Bloomberg team assesses advertiser needs, as well as takes a data-minded approach to product development. Plus, Sloe shares his outlook for the future of digital advertising with media companies — and what he believes will be the requirements for success.


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Neo-liberal politicians want to re-inflate the housing bubble… is that wise?
Host Ross Ashcroft talks with the anthropologist David Graeber about Batsh*t Construction, a trend that has gripped the world.
Unless we start calling the housing crisis by its real name: extreme land monopoly - we'll end up with ever more loony solutions for what should be a basic human right.


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Car Repair near Valero Street Salcedo Village Makati City Makati, Philippines
Rapide Auto Service ExpertsCar Repair
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Time To Start Screaming! Time to celebrate this terrific gem of a film with a great title! Let's Enter The "Tower!" What a great title for a film! And while it sounds like a wild ride, it's actually a gem… Read More ›
Soledad Miranda "Kills In Ecstasy!" Shocktober Day #29 Has "Vampire Lesbos" From A Cult Horror Queen!
Time To Celebrate Sex Kitten Soledad Miranda! I've written before about movie "sex kittens", Actresses who used their sexuality to drive their career. Hollywood also "assigns" that moniker as a marketing tool, and talented Actresses like Ann-Margret and the iconic… Read More ›
Tragic Story Of Hollywood Starlet Yvette Vickers! Star Of "Attack Of The 50-Ft. Woman"!
The Tragic Story Of Yvette Vickers! The life of a Hollywood sex symbol can be difficult: it's a hard transition from Hollywood starlet to life out of the spotlight, and for some, it's an impossible transition to make… Meet Sex… Read More ›
Iconic Hollywood Sex Kitten Jayne Mansfield! A Successful Career And Tragic Hollywood End…
How do you define a Hollywood Sex Kitten? How about like this? And how do you become Hollywood's most notorious blonde bombshell? Well, it doesn't hurt when you let it all hang out! Thanks to NationalStereotype.com, which has their picture… Read More ›
A 42nd Street "Grindhouse" Tour! Seven Sexploitation Classics That Turned Times Square "Down And Dirty"!
Welcome To Times Square! Yes, it's America's most brightly lit playground of fun for the entire family! Times Square is well lit, filled with upbeat tourist attractions and offers all of the big chain restaurants you expect when on vacation… Read More ›
Legendary Sex Kitten Soledad Miranda! She "Killed In Ecstasy"! Was A "Vampyros Lesbos"! Great Severin Blu-Rays!
Time To Celebrate Sex Kitten Soledad Miranda! I've written before about movie "sex kittens", Actresses who used their sexuality to drive their career. Hollywood also "assigns" that moniker as a marketing tool, and talented Actresses like Ann-Margret and the iconic… Read More ›
"Nightmare Sisters!" 80's Sex Kittens Make #31DaysOfHalloween A Cult Horror Gem Done On A Dare! Linnea Quigley! Michelle Bauer! Brinke Stevens!
Looking for an over-the-top camp 80's classic horror film for Shocktober 2018? How about a cult gem starring these three? Have Some Fun With Quigley, Stevens & Bauer! It would be the most popular law firm EVER: 80's sex kittens… Read More ›
"Vampires Night Orgy!" Cult 70's Erotic Horror From Spain!
Time For Cult Spanish Horror! When people think of classic horror films, the term "Spanish horror" doesn't usually come to mind. In the 70's however, there were a string of European shockers from Spain that are now back for a… Read More ›
"The Blood-Splattered Bride!" Cult Horror With A "Can't Turn Away" Title!
A Cult Movie Is Restored To All Its Infamous Glory! Yes, sometimes a title CAN say it all, and it certainly does here: this is a legendary cult horror film that has been re-released for a new generation of film… Read More ›
"A Smell Of Honey! A Swallow Of Brine!" Vintage Sexploitation From New York's 42nd Street Grindhouse Era!
<strong> This Wasn't Your Mother's Times Square!</strong> Folks, these pictures are from Times Square in the 70's and early 80's – a seedy strip filled with movie houses that showed exploitation films 24 hours a day – that's how… Read More ›


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Jubilee Insurance will send home 52 employees as part of its restructuring process aimed at complying with new regulations.
The company will soon be split into three entities as the listed insurer moves to comply with the regulatory requirement to separate long-term and short-term businesses.
The separation, which will see medical and general insurance businesses operate independently, will result in about 8.2 per cent of the 628 full-time positions being declared redundant.
Group Chairman Nizar Juma (pictured) said yesterday the affected employees and their dependents would continue to enjoy their medical insurance benefits for at least three months.
- Jubilee Holdings' profit flat at Sh1.8b
- Jubilee profit in slight dip to Sh4b
- Standard Group drawn in Group E
- Jubilee Insurance unveils painting competition
Mr Juma said they will also be offered counseling arranged through a firm that specialises in employee welfare.
"This firm will also offer financial planning services and advice in addition to outplacement services were required to support each individual as they transition into new career paths," he said in a statement.
The existing company will continue to operate the individual and group life insurance, pension and annuity businesses and will be renamed Jubilee Life Insurance Limited.
Jubilee Health Insurance Ltd and Jubilee General Insurance Ltd will, on the other hand, operate the medical and general insurance businesses respectively.
Juma said all three businesses have been licensed to operate by the Insurance Regulatory Authority. He said the insurer is in the advanced stages of legalising the three companies.
Local and international regulatory requirements now require firms to carry out long-term and short-term insurance business in separate corporate entities to safeguard policyholders' funds.
Besides chopping its workforce, the exercise will also see the transfer of Jubilee Insurance Company of Kenya staff to their respective companies and the identification of staff to be shared by the three companies.
Juma said the split of the business will provide more focused service delivery to the insurer's customers.
"We are committed to providing the best to our customers and the split will provide opportunities to simplify and strengthen our operational model and further enhance both service delivery and efficiency."
The separation might also require the company to recapitalise the businesses to carry weighted risk and trigger the appointment of three new principals to head the separate entities.
As of June last year, Jubilee, which is one of the largest insurance companies in the region, had assets valued at Sh124.3 billion or nearly 20 per cent of the total industry assets.
Although gross premiums during the period rose by Sh2 billion to Sh20.7 billion, increased expenses saw profits decline to Sh1.83 billion from Sh1.85 billion.


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Most Popular
When An MMA Fighter Had A Mid-Fight Trim In His UFC Debut
MMA fighter Shane Burgos' UFC debut was a historic one for the most bizarre reason.
He part of the UFC Fight Night 102 December 2016 bill that featured the headlining heavyweight fight between Derrick Lewis and Shamil Abdurakhimov in Albany, New York.
And Burgos, who was a replacement for Zubaira Tukhugov after the latter was pulled from the card following a potential anti-doping violation, was victorious in his debut when he ousted Tiago Traitor by unanimous decision.
Well, this is a first! #UFCAlbany https://t.co/Fx3O76nU02- UFC (@ufc) December 10, 2016
But Burgos also provided something we're pretty sure has never been done before in the Octagon when he had a haircut in the middle of the fight.
We say middle of the fight - it wasn't as though he was getting short back and sides while being punched in the head by his opponent - the fighter's entourage were chopping his hair off prior to round three when in his corner.
It certainly made for interesting viewing. The only thing missing was the mandatory "Yeah sound that, mate" when you get out of the barber chair.
More Like ThisMore Like This
And after his big win, Burgos revealed that he didn't just fancy a free haircut so he could take a selfie to post on Snapchat, there was a genuine explanation for the trim.
Speaking after the fight, he said: "I told my corner that if the fight goes past the first round and my hair is getting in my face to cut it [pony tail] off.
"It wasn't getting in my face the first round, but it started to in the second, so I told them to cut it off. It was pretty memorable, but it was planned beforehand. That was the first Octagon haircut, right? I think that's worth a bonus, fight of the night maybe?"
Similarly, UFC fighter Emil Meek was forced to shave his 'Viking' beard off ahead of UFC 206 due to a rule from the Ontario Athletic Commission that fighters must be "cleanly shaven immediately prior to competition" with the exception of a "closely cropped mustache."
Valhalla #nobeard :( #ufc206 pic.twitter.com/HUlDiuMfUe- Emil Valhalla Meek (@emilvalhalla) December 9, 2016
Topics: UFC News, MMA News, UFC, MMA


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Other than a Night Walk in a combined Scouts and Guides activity, I have never been to an actual horror event in my life. So I guess going for HHN4 for pretty much my virgin experience.
I have watched Slender gameplay before, but I always had to watch with my hand covering half the screen to prevent jumpscares. There was this time my cousin wanted to play a horror game called 'Ib' and I had to play it for them because they were too scared to do it. I guess when I'm around girls, I become a little more protective and try to act less scared, but in actual fact, I really want someone to hold my hand and tell me not to be afraid as well T>T
So my cousin's bff had discount for HHN4 ($48) so they persuaded me to go with them. Tbh, I was really excited for it too, for Angel, Rachel, their bff Teresa, and I were all otakus. And I have wanted to meet Teresa for quite some time too haha.
Some basic information first. In HHN4, there are 4 Haunted Houses, 4 Scarezones, a circus/stunt performance thing and normal daily attractions.
Anyways, blahblahblah we reached USS and it was packed with people. We entered at 7.25pm and then after a while, the opening performance started. We hurried in and went to Bogeyman first, a scarezone. The queue was fast bc it just started, and we entered. To be fair, I had prepared myself for the worst beforehand. I braced myself, thinking that the frequency of my screams will be like 100Hz. But it was quite boring HAHA i screamed once or twice bc of jumpscares but overall nth much. Among the four of us, I led the way and all of us held hands. At the end, there was this scare actor looking for his daughter with a poster and he kept chasing Rachel bc he thought that she was his long-lost daughter xD hahaha that was a good one. In case you wanted to know, 'Bogeyman' was just full of furniture that scare actors jump out from.
We walked and found ourselves at the Transformers 3D Ride attraction. We came to USS once and we went for the transformers one 4 times in a row… I guess it was fun, exhilarating, short queue and good plot but still we went so many times already… Before I could say anything, Angel and Teresa started running in already. SIGH the special stuff are the horror attractions not these ones… Thankfully, queue was short and we didn't waste too much time.
After a while, we came upon the 'Jing's Revenge' haunted house. According to online reviews, it is one of the scariest? And Teresa's friend had told her that the aliens in 'The Lab' haunted house were quite cute, so we ended up heading to 'The Lab' instead. But we had to ask for directions and walked through the Egyptian scarezone. Nothing much really, just a place to take pictures with scare actors.
We finally reached the place and entered, but found out that queue time was 60 minutes. But I guess we came all the way already, as well go for it bah. We queued and ended up queing for about 1.5 hours. The three of them mostly passed the time by reading manga, while I just stoned haha xD I was quite scared but we entered anyways. Hmm not gonna spoil anything but it was more disgusting than scary HAHA but the experience is best/most scariest, if you are in the middle of the group (10-12ppl) haha 😉 i literally freaked out so hard and was trying to push the ppl in front to get away from the scare actor x)
We passed by Far Far Away, and went for the Enchanted Airways roller-coaster. At first, I didn't know it was a roller-coaster haha and entered unknowingly. To be honest, I am more scared of roller coasters than haunted houses idk why >< and i think I screamed more than all the other horror attractions added up tgtr HAHA i wanted to go for the Scary Tales scarezone but somehow we couldn't find it.
We walked and came back to the main entrance. So, we decided to go for the clown haunted house. Queuing time stated was 45minutes but we only queued for about 25min. In my opinion, it wasn't scary at all, but more fun and interesting than 'The Lab'. The colourful dizzy bridge was super fun. But if you have epilepsy, DONT GO FOR THIS ONE. Omg its like a freaking spazzing concert where its like some 5-yr old was mashing light switches. At times, all you could concentrate on was the person in front of you and you just had to trust and follow the person.
Then we walked through the Demoncracy scarezone, and reached the transformers place again. We bought ice-cream and there was this shop that sold like ice cream in the form of really small balls idk how it tasted but Teresa bought it haha
It was 11.15pm so we headed to the main entrance, took a picture with the Minister of Evil, and went back. For me, I could have gone back anytime lah the entire thing lasted till 1.30am anyways. But my uncle was fetching us and I didnt want him to sleep late bc of us so we went back early.
Altogether, we missed out on Mati Camp and Jing's Revenge haunted houses, the two supossedly scarier ones. And we didnt go for Scary Tales scarezone. But overall for $48, I believe it was quite worth it. If you don't mind standing for relatively long time and you'd like to try out haunted houses, this is a good experience. Awesome to hang out with good friends, best to create memories with boyfriend/girlfriend. Encouraged to plan route using online map of HHN4 before going, so that can make efficient use of time.
Personally, even though I feel I am quite unlucky to have possessed certain traits and have been born in such a country, at least my cousins are always there for me, namely Rachel and Angel 🙂


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Are you looking to join a large personal injury law firm that helps people and invests in the community? A firm that brings in clients, while also providing you with a talented support staff enabling you to focus on quality personal representation of those clients? If so, let's have a conversation.
Gruber Law is a top-of-the-line personal injury firm headquartered in Milwaukee, Wisconsin. Our firm is comprised of award-winning lawyers and a team that focus on serious personal injury cases. Gruber Law was founded over 30 years ago by David Gruber as a sole practitioner. He has since guided our firm to be one of the largest personal injury firms in Wisconsin (and the entire Midwest) with around 140 employees.
We're growing our team and seeking an attorney with three plus years of experience in personal injury settlement and litigation. As an attorney at Gruber Law, you'll need to be proactive and aggressive when fighting on client's behalf. You'll be called upon to be a top-notch negotiator, litigator and communicator. We offer an excellent compensation and benefits package.
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Owl - Framed Wall Art
This wise owl is the crown jewel of the tree he inhabits.
Our Double Exposure framed wall art pieces artistically and intricately merge majestic wild creatures with the places they call home.
- Handmade distressed cedar frame
- Choice of natural or white frame
- Sign printed on wood
- Size: 13" X 16.5"
Browse the collection: Framed Wall Art Signs


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watch 02:38
The Loop (Games)
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Sword Knight is a character class in the Fire Emblem series. Sword Knights use swords, and are usually mounted atop of horses. When they level up, they turn into a Paladin.
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Imitating Aeroplanes: Planet Language
The middle of the album by itself would represent a largely unremarkable debut for the electropop of Imitating Aeroplanes. But the beginning and end of this album are so strong that they lift up the whole record.
Imitating Aeroplanes
Planet LanguageLabel: Propeller Recordings
US Release Date: 2017-09-22
UK Release Date: 2017-09-22
Imitating Aeroplanes is a primarily electronic duo featuring Tord Øverland Knudsen of the Wombats and Marius Drogsås Hadsen of Team Me. The pair were childhood friends and had made music together before, but Planet Language is their first official album. The duo throws around terms like "anything goes" to describe their approach and "a series of red wine and prog nights" to explain their influences. That is probably true, but the resulting album is not nearly as freewheeling as those descriptions make it sound.
Planet Language does get off to a terrific start. The mostly instrumental "Roppongi Hills" begins with a lively, pseudo-Japanese melody, which is quickly doubled on piano and joined by thumping taiko-style drums on the beat. Widescreen electronic chords and snare drum rolls build the song until the final minute when a chorus of wordless voices adds to the big, big feel of the track. It's a fun, interesting opener, and it leads into the catchy electropop masterpiece "Stomping Ground". A pinging electronic melody opens the song before bass, drums, and a fuzzed-out guitar enter and the slightly nasal vocals begin. The relatively quiet verse gives way to the huge hooks of the chorus: powerful backbeat drums punctuated by the pulsing bassline, layers of synth chords filling out the backgrounds, a blipping high register synth countermelody, and sing along vocals. "Holding on to everything we're missing / Moving on was never easy / I'm reliving distant memories, but / Losing my foothold, leaving my stomping ground." Even the quiet mid-song bridge where the vocals softly repeat, "Headed somewhere better" is a well-considered comedown from the chorus.
After that one-two punch, the album slows down considerably, both in tempo and song quality. "Diamond Dust" is a decent track, with a complex drum rhythm underpinning its relaxed feel. But there's not much else going on musically or melodically to really grab the ear. At best, the harmonized layers of guitars and synths in the traditional guitar solo slot is interesting, but not enough to make up for the relatively staid verses and chorus sections. "Planet Language" begins with an intro that seems like it's building to something, but then fizzles into another laid-back song. The song takes a break from itself and essentially stops everything for a ponderous fuzz guitar solo, but then it shifts right back into that laid-back mode. A flute-like synth solo shows up later on, but it still doesn't make that main riff feel compelling.


text: Corn Pop 1,915 Posted September 16 Share Posted September 16 1 minute ago, Statick said: Which is the weirdest phenomenon to me: hating Castro for his regime, but admiring him as a strongman for implementing it? It's right up there with hating socialism, but being accepting of fascist authoritarianism Most Cubans in South Florida hate Castro because he took their relative's plantations and freed their slaves. Also this: Quote Link to post Share on other sites


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airbag inflator
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More Than 6 Million Honda, Toyota Vehicles Recalled For Air Bag ProblemsIn all, more than 6 million vehicles worldwide are being recalled by Toyota and Honda for two different air bag glitches that present different dangers to motorists.
Is It The Last One? Takata Issues Recall For Another 10M Air Bag InflatorsYes, the now-defunct Takata Corp. has issued another air bag recall, this time involving some 10 million front inflators, but officials say it could be one of the last.
More Than 1M Honda Vehicles Being Recalled Because Of Dangerous Air BagsHonda is recalling some 1.2 million vehicles because their Takata air bag inflators can explode.
After 23 Deaths More Automakers Recalling Potentially Fatal Takata AirbagsSubaru, Tesla, BMW, Volkswagen, Daimler Vans, Mercedes and Ferrari are recalling more than a million vehicles to replace potentially deadly air bag inflators made by Takata.


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DIY Skincare Recipes
Recipe Instructions for: DIY "Waterless" Body Butter
Re-create this quick and easy "waterless" body butter recipe at home. No preservatives required– just raw butters, plant oils and vegan wax.
Recipe Instructions:
25 g raw shea butter
12 g extra virgin coconut oil
6 ml sweet almond
6 ml sunflower oil
3 ml jojoba oil
2 g carnauba wax
5 drops vitamin e
10-15 drops of essential oil (optional)
- In a double boiler or microwave, gradually melt raw shea butter, extra virgin coconut oil.
- Add in sweet almond oil, sunflower oil, jojoba oil and carnauba wax.
- Once melted, remove from heat and pour in a beaker. Add in and vitamin e. At this point, you could add in your essential oil (optional).
- Pour mixture into a clean container. Pop in fridge for about 30 minutes or until semi-solid.
- Using an electric mixer, whisk for about 2 minutes or until creamy.
- Scoop into jar. Leave at room temperature.
Tip: Preservatives are not required as this recipe does not contain water.
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Instructional Video:
Nuworld Botanicals Recipe: DIY Waterless Body Butter
A quick and easy video recipe on how to make our DIY waterless body butter. Check out our new DIY recipe resource page for diy-inspiration.Posted by Nuworld Botanicals on Friday, September 21, 2018


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Separate names with a comma.
Discussion in 'The Mainboard' started by Kief Richards, Apr 8, 2015.
I'm just getting to the watch thing. The title of the podcast plus this is starting to fit together.
First game I go to next year I'll start scouting locations.
I'm pretty disappointed overall. Thought it was boring
His original lyrics to the new Bond theme had me rolling.
I need something new
Today's episode of Reply All was incredible
I cant believe they were able to track that song down. These dudes are the best internet detectives ever.
What's reply all
One of my fav podcasts.
The episode they did where they tried to figure out why the guys car stereo wouldn't play an episode of a certain podcast was fascinating.
they cover a bunch of different stuff but it's generally all really interesting.
That was a good one. The Snapchat ep was the best one imo.
devine - it's basically a call in show where people have tech or internet issues and mysteries. Some are funny some are pretty heartfelt stuff
Does anyone listen to wondery podcasts like:
Business Wars
American Innovators
American Scandel
I know I listen to some wondery shows, but not any of those. Tides of History is the only one I can think of off the top of my head
American Scandal is really good.
I've liked some of the Business Wars eps. The one on the Kellogs was decent.
Thanks Truman now I'm listening to savage garden
Just listened to the dating game killer by wondery and episode 1 was all over the place. Garbage. I won't be continuing
just a wonderful piece of reporting. Amazing.
Here to add on to that reply all praise. Great show, the newest ep is fantastic.
I had just a huge genuine smile there at the end of it. That show is great. Anyone interested in southern politics should go listen to the three part series on the Alabama Democratic Party.
All that made me feel is that the Alabama dem party should be erased
How about just Alabama?
Sound speeds
Gebrus was on last weeks Doughboys and it was great.
Still have the Reply All song stuck in my head after listening over the weekend.
Also Business Wars was kind of interesting for a while but the formulaic way they told the stories made me tired of them, no matter how good the underlying story was.
The flute intro has been stuck in my head everyday.
That might be the best guest spot who does.
It's a long episode because it's munch madness. They did a 64 item bracket of McDonald's items.
Oh I listened
Susser calling fouls and delay of games was pretty good. I can't imagine trying to sample everything in the bracket over the course of three days. And those guys admitted that they finished more than a handful of the items.
It's been weird listening to podcasts the last few days. So much is happening everything is out of date within 2 days. No matter what kind of podcast it is, they're all discussing the same thing.
Not surprising, but it's still kind of surreal.
That's why you listen to dumb improv podcasts instead of serious ones
Drew Tarver's writers on Comedy Bing Bong
threedom is the best thing going
Even better if you actually listened to Jack FM.
I've lived in Mass and FL so I have not but I can imagine.
The Final Fork is set.
I feel very smug when a tv or Netflix doc comes out, like Tiger King, and I've already listened to the podcast.
There's a tiger King podcast??
They pulled it down
Only one ep is out?
Looks like they put it behind the Wondery+ paywall for now.
Fuck that
Sprague the Whisperer!
Also, anyone listening to Newcomers? It's Nicole Byer and Lauren Lapkus watching Star Wars for the first time with some great guests. It's fantastic.
just watch the doc. much better anyway
Nicole loving JarJar tracks
No because I can't stand Nicole Byer


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"Love Crosses Borders," New Era, July 2020, 24–29.
Love Crosses Borders
Youth in California, USA, and Tijuana, Mexico, reached across barriers to love, serve, and be one in the gospel of Jesus Christ together.
What would be a good reason to get up early on a Thursday morning during summer break? For hundreds of youth from Orange County, California, USA, and Tijuana, Mexico, the reason was simple: a youth conference unlike any they'd ever experienced.
That morning, the youth from California boarded buses and crossed the border to gather with the youth in Tijuana. From the moment they got together, the youth from both countries hugged and high-fived each other. Throughout that first day of the conference, they performed baptisms together in the Tijuana Mexico Temple, worked side-by-side at an orphanage, played games together, and enjoyed a makeshift soccer game.
On Friday, the youth, in conjunction with a charitable organization in Mexico, helped build four homes for four deserving families in Tijuana. With hammers, paintbrushes, and sweat, they saw a house take shape through their hard work.
At the end the day, they were able to present the keys to each family, and each home was dedicated to the Lord. Each family was also given a framed quote signed by the youth and leaders that read, "Se necesitan manos para hacer una casa, pero se necesitan corazones para crear un hogar" ("It takes hands to make a house, but it takes hearts to make a home"). The youth and the families were equally blessed through this service.
In the evening, the youth enjoyed teaching one another their customs. One of the highlights for many of the California youth were the beautiful dances the Mexican stakes performed in traditional costumes.
Firesides were also held throughout the conference, translated into Spanish and English.
As the conference concluded on Saturday, the youth gathered for a morning fireside where youth from both countries combined to sing "Come unto Christ." They sang in both English and Spanish, and many felt that this was the culmination of the entire conference—Latter-day Saint youth coming together, united as one, with the common goal of following their Savior.
The author lives in California, USA.


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Transcript Nominee director process 1/2
European but not EU – the special case of ESM and EFSF 14 October 2014 Kalin Anev Janse Member of the Management Board Secretary General ESM and EFSF 2 What are the ESM and EFSF? ESM founded in 2012 (EFSF est. 2010) • ESM: International Financial Institution, similar to IMF, WB and EBRD • EFSF: Private company under Luxembourg law (as of 1 July 2013 no longer engages in new programmes) EFSF/ESM combined balance sheet of €947 bn. ESM subscribed capital €702 bn., paid-in capital €80,2 bn. Combined lending capacity €692 bn. (€ 450 bn. available at the ESM) • ESM has the largest paid-in capital of any International Financial Institution worldwide Total lending €238 bn. (Greece, Portugal, Ireland, Spain and Cyprus) • Disbursed three times as much in Europe as IMF in the same period globally • Excellent rating allows for cheap loans to countries (3-6 month bills negative rate) Total amount of bonds issued by EFSF and ESM: €343.6 bn ESM shareholders: 18 euro area Member States (with Lithuania will become 19) Approximately 140 staff members recruited across the globe 3 What have we accomplished? 1 The EFSF/ESM ensured that all euro area countries stayed in the euro Our programme countries have become the reform champions of Europe 2 • EFSF/ESM programme countries are top performers in reforms in the EU and OECD EFSF/ESM lending significantly improved debt sustainability in the programme 3 countries • EFSF/ ESM loans not only provide emergency financing against conditionality, but also include substantial solidarity (beyond traditional IMF approach) • Annual budget savings in Greece of €8.5 billion per year (or 4.5% of Greek GDP) • Budget savings in Ireland, Portugal, Cyprus and Spain are smaller but still significant EFSF and ESM lending took some pressure off the ECB 4 4 Reform champions: structural reforms support the sustainability of the effort ■ Greece, Ireland, Portugal and Spain are in top 5 of 34 OECD countries with regard to implementation of structural reforms. Policy areas concerned: • Labour productivity (e.g. product market regulation, human capital) • Labour utilisation (e.g. labour market regulation, social welfare system, active labour market policies) 4. Portugal "Euro area countries under financial assistance programmes are among the OECD countries whose responsiveness [to the OECD's structural reform recommendations] was highest and also where it most increased compared with previous period." 5. Spain - Going for Growth 2013 (OECD Report) Ranking in OECD report 1. Greece 2. Ireland 3. Estonia Source: OECD report Going for Growth 2013 Ranking takes into account responsiveness to OECD recommendations on structural reforms in key policy areas 5 Internal devaluations are restoring competitiveness Thanks to the convergence in competitiveness, costly external imbalances in the periphery have corrected Nominal unit labour costs (2008=100) Greece - Contribution to growth (%) 150 140 130 120 110 100 90 Germany Ireland Portugal Spain Greece Source: EC European Economic Forecast - Spring 2014 Source: Eurostat, Balance of Payment definition 6 Risk premia have fallen in the euro area 10-year government bond yields (%) 18 16 14 12 10 8 6 4 2 0 Jul 11 Oct 11 Jan 12 Apr 12 Germany Jul 12 Oct 12 Jan 13 Apr 13 Ireland Jul 13 Oct 13 Portugal Source: Bloomberg 7 Jan 14 Apr 14 Spain Jul 14 Governance and audit oversight The ESM Board of Governors with the ESM Managing Director Klaus Regling 8 How is ESM audited? Board of Auditors Nominated by: National SAI – 2 members ECA – 1 member BoG Chairperson – 2 members External Auditor Independent audit firm of good international reputation ESM Board of Governors National Parliaments hold Ministers of Finance accountable Board of Directors Directors accountable to Ministers of Finance Compensation Committee Internal Audit Corporate Projects Committee Board Risk Committee Managing Director, assisted by Management Board Investment Management Committee 9 Finance Committee Internal Risk Committee Governance and audit oversight Accountability and audit oversight are important considerations for the ESM and EFSF A full-fledged financial institution with front, middle and back office For its small size (140 staff), the institution has a high level of governance and audit oversight: Governance • ESM 24 meetings: 6 BoG, 10 BoD, 4 Compensation Committee and 4 BRC meetings in 2013 • EFSF 14 meetings: 14 BoD meetings and an annual general meeting of shareholders in 2013 Audit • ESM 9 people / 41 onsite days: 5 Board of Auditors members, supported by a field team of 4 experts from the ECA and German SAI: 11 meetings/21 days; 2 audits/10 days in 2013 • EFSF: Audit Committee composed of 5 members of the Board of Directors • External audit team 6 people / 85 days: 4 months at our premises to audit ESM and EFSF annual accounts • Internal audit: 4 audits performed in 2013 (9 audits in progress in 2014) On a voluntary basis and upon invitation, the MD and MB members visit parliaments (European and national) 10 Governance and audit oversight (2) Many ESM Members have national procedures where consultation or approval by the national parliament / committee is required prior to BoG / BoD decisions The Board of Governors (euro area Finance Ministers) takes key decisions by mutual agreement, i.e. to provide stability support; make capital calls; adapt the maximum lending volume; change the financial assistance instruments (DRI); to change the pricing policy for financial assistance, etc. The Board of Governors serves to discharge the annual accounts which are audited by a private external auditor The Board of Directors ensures that the ESM is run in accordance with the Treaty and the By-Laws and draws up the annual accounts The Board Risk Committee reviews the overall risk appetite, risk profile and internal control of the organisation Internally, the ESM has implemented the three lines of defence governance model across the organisation (Business lines - Risk Management - Internal Audit) 11 ESM Board of Auditors: Composition and Terms ESM not within the ECA mandate (ESM is not an EU institution, does not use EU funds) & Parallel audits by the 19 national SAI of the ESM Members not feasible Board of Auditors - Independent audit body appointed by the Board of Governors: • Two members upon proposal of the national SAI of two ESM Members (based on a • • system of rotation) One member upon proposal of the ECA Two members upon proposal of the Chairperson of the Board of Governors All members serve in their personal capacity for a non-renewable term of three years. Ulrich Graf Igors Ludboržs Marc Gengler Chairperson (nominated by German SAI) Vice-Chairperson (nominated by ECA) Member Member (nominated by (nominated by BoG Luxembourg SAI) Chairperson) 12 Katarína Kaszasová Jules Muis Member (nominated by BoG chairperson) ESM Board of Auditors: Mandate Broad mandate pursuant to the ESM Treaty and By-Laws: • Inspect the ESM accounts and verify that the ESM operational accounts and balance sheet are in order • Perform independent audits of: » » » » Regularity Compliance Performance Risk management of the ESM • Monitor the ESM internal and external audit processes and their results. The Board of Auditors has full access to any document and information of the ESM needed for the implementation of its tasks 13 ESM Board of Auditors: Activities Regular meetings • Meetings with the ESM management (2013: 11 meetings, 21 days) • Meetings with the internal and external auditors • Annual meetings with the Chairperson of the Board of Governors, the Board of Directors and the Board Risk Committee Independent audits of the ESM • 2 audits/ 10 days in 2013 conducted with support by German SAI and ECA experts • 2 audits in 2014 Monitoring of the ESM internal and external audit processes and their results • Monthly meetings with the internal auditor • Regular meetings with the external auditor and review of their audit working papers 14 Extensive reporting to shareholders ESM and EFSF report extensively to the shareholders (Ministries of Finance): Weekly • EFSF available funds report Monthly • • • • • ESM/EFSF lending and funding cash flows ESM/EFSF redemption profile report ESM/EFSF daily applicable rate ESM cash position EFSF guarantee consumption report Quarterly • • • • ESM/EFSF financial results ESM/EFSF investor base ESM/EFSF outstanding issuance report Reports on the ESM/EFSF funding, lending and investment programmes Annually • • ESM Annual Report - available to the general public on the ESM website EFSF Annual Financial Statements and Management Report - available on the EFSF website 15 In closing Compared to similar institutions, ESM is subject to a very high level of governance and audit oversight reflecting the importance of its mandate All key decisions are taken by the Board of Governors (in many cases subject to national parliament procedures) Extensive reporting to the shareholders/Ministries of Finance, which in turn report to national parliaments/committees. The ESM Board of Auditors is a robust audit mechanism: • • • • Independent body appointed by the Board of Governors Broadest mandate among all IFIs – inspects the ESM accounts and performs independent audits Right of access to all necessary information The Board of Auditors' Annual Report is sent to euro area national parliaments, SAI, the European Parliament and the ECA 16 Contacts Kalin Anev Janse Member of the Management Board Secretary General +352 260 962 400 [email protected] www.esm.europa.eu www.efsf.europa.eu Follow us European-Stability-Mechanism on Linkedin 17 Annex 18 EFSF & ESM: Key Features Private company under Luxembourg law Inter-governmental institution of the euro area Member States under public international law Duration Temporary (June 2010 - June 2013*) Permanent institution Capital structure Backed by guarantees of euro area Member States Subscribed capital of €701.9bn** €80.2bn in paid-in capital €192bn already committed to Ireland, Portugal & Greece* €500bn Legal Structure Maximum Lending capacity Creditor status Credit Rating Risk Weighting No engagement in new financing programmes Pari passu Preferred creditor status (after IMF) *** AA / Aa1 / AA+ - / Aa1 / AAA 0%**** 0%**** * As of 01/07/2013, EFSF may no longer engage in new financing programmes ** The initial subscribed capital of €700 bn has increased since the accession of Latvia in March 2014 *** For the financial assistance for recapitalisation of the Spanish banking sector, pari passu will apply **** Regulation (EU) no. 575/2013 (Capital Requirements Regulation), Article 118. Following a decision published by the Basel Committee on Banking Supervision on 18 March 2014, EFSF & ESM securities will be included in the list of entities receiving a 0% risk weighting under Basel II 19 EFSF & ESM: Lending Capacity ESM - €500 billion EFSF - €440 billion EUR billion Ireland • Date Agreed: November 2010 • Concluded: December 2013 • Amount disbursed: €17.7 bn Recapitalisation of Spanish banking sector • Date Agreed: November 2012 • Concluded: December 2013 • Amount disbursed: €41.3 bn Portugal • Date Agreed: May 2011 • Concluded: 2011-mid 2014 • Amount disbursed: €26 bn Programme for Cyprus • Date Agreed: March 2013 • Duration: Q2 2013-Q1 2016 • Amount committed: approx. €9 bn • Amount disbursed: €4.75 bn Greece • Date Agreed: March 2012 • Duration: 2012-2014 • Amount committed: € 144.6bn • Amount disbursed: €139.9 bn 20 EFSF & ESM: Mission and Instruments ESM mission : to safeguard financial stability in Europe by providing financial assistance to euro area Member States Instruments Loans Primary Market Purchases Secondary Market Purchases Precautionary Programme Bank recapitalisation through loans to governments* Direct Recapitalisation Instrument** All assistance is linked to appropriate conditionality EFSF and ESM finance their activity by issuing bonds or other debt instruments * Can be granted to an ESM Member outside the confines of a macroeconomic adjustment programme ** The Direct Recapitalisation Instrument will be established through a resolution by the ESM Board of Governors pursuant to Article 19 of the ESM Treaty. Activation of the DRI is subject to the unanimous approval of all euro area Member States. 21 EFSF: Governance and audit oversight Many EFSF shareholders have national procedures where consultation or approval by the national parliament/committee is required. Some national parliaments require regular reporting on EFSF All major decisions beyond the daily business of the Company are made by the EFSF Board of Directors. The Board comprises of high level representatives of 17 euro area Member States (ex new ESM Members – Latvia and soon Lithuania) Audit Committee composed of five members of the Board of Directors is set up in line with the Luxembourg law on the audit profession. The Audit Committee oversees the financial reporting, internal control, risk management, internal and external audit of the EFSF. The annual accounts are audited by a private external auditor registered with the Luxembourg audit supervisor (Commission de Surveillance du Secteur Financier) Shareholders' Annual General Meeting serves to discharge the accounts. 22 ESM Board of Auditors: Reports Audit Reports to the ESM Management presenting the findings and recommendations from the Board of Auditors' independent audits Report in respect of the ESM financial statements • Contained in the ESM Annual Report and available to the general public • In addition to the audit opinion by the external auditor Annual Report to the Board of Governors • Presented in the Board of Governors' annual meeting (together with the ESM management comments) • Circulated to the national parliaments and SAI of all ESM Members • Circulated to the ECA and the European Parliament Additionally, the Board of Auditors may inform the Board of Directors at any time of its findings. 23 Why is the ESM important and the future Permanent IFI to ensure market confidence and prevent future crises in the euro area Very strong track record over the last couple of years • Massive lending without cost for the taxpayer has kept the euro area intact • This has promoted reforms and debt sustainability • Reduced the demands on the ECB to do more Banking Union: current tools and new instrument • Macro-economic adjustment lending, with a banking component • Bank recapitalisation through loans to governments, like Spain • Direct Recapitalisation Instrument: up to €60 bn., as a last line of defence when the bank is deemed to be viable but the home country cannot afford to support it Europe's focus is on regaining competitiveness and growth Integration in Europe 24


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PS Plus: Free Games for July Announced
The free games offered to PS Plus members for the month of July have been announced. July marks the final implementation of changes to the Instant Game Collection announced by Sony. Six games will be available for download on July 1 until the end of the month–two games for each PlayStation platform.
TowerFall Ascension and Strider are the games offered for PlayStation 4. TowerFall Ascension is an archery combat game that embraces couch multiplayer, a rare sight in gaming nowadays. Double Helix's Strider brings back a classic Capcom character in a new side-scrolling action adventure in a large connected world.
Games offered for PlayStation 3 are Dead Space 3 and Vessel. Dead Space 3 dumps Issac Clarke on the frozen planet of Tau Volantis, where you can enjoy the sci-fi action horror with a friend or alone with seamless drop in, drop out co-op. Vessel is "an optimized liquid simulation featuring flowing water, scalding lava and steam, reactant chemicals, glowing goo, the mysterious 'protoplasm', and more."
The PS Vita will get Muramasa Rebirth and Doki-Doki Universe. Vanillaware's Muramasa Rebirth is an action RPG updated from the original Muramasa: The Demon Blade released on the Wii. Doki-Doki Universe lets you "embark on a journey with QT3 to discover humanity and engage with bizarre characters to learn more about them, and hopefully, learn more about yourself along the way."
[Source: PlayStation Blog]


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There are many causes of pain on the penis tip; the pain can affect the distal urethra, the base, shaft, head and glans of the penis. In many cases an itching, throbbing or burning sensation may accompany the pain. The major causes of this pain may are bladder infection and sexually transmitted infection.
Stingy, burning pain at the tip of my penis I have notice that I pee left. ALL THE TIME!!! I had the scope back in early June and no results. Pee flow was excellent. I have been on naproxen, Cipro in the last year but with different symptoms. Started feeling this stingy pain when I was diagnosed with a yeast infection on June 21, 2014.
Penis Pain Symptoms, Causes & Common Questions. If you have penis pain, it is important to pay attention to characteristics of the pain and whether location of the pain is in the top, middle, or bottom of the shaft. Pain in the penis can be caused by sexually transmitted infections, urethritis, a UTI, or trauma from a penis injury.