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Workshop: AI for Life Science @ KTH
KTH's research platforms on Digitalization and Life Science Technology warmly welcomes you to a daylong workshop on artificial intelligence and machine learning for life science, health and care. The aim is to bring together academia, industry and government.
Time: Wed 2020-10-14 09.00 - 17.00
Lecturer: Organisers: KTH Digitalization Platform and KTH Life Science Technology Platform
Location: Virtual event in zoom
Imagine and organize a research agenda for AI in Health
Improved prediction methods in AI and machine learning are increasingly enhancing the scientific and technological progress in life science, health and care. Moreover, the recently opened Center for Health Data in Stockholm presents a unique opportunity to leverage health data to improve the healthcare system, from prevention to diagnosis and treatment.
Within this backdrop, KTH's research platforms on Digitalization and Life Science warmly welcomes you to a workshop on artificial intelligence and machine learning for life science, health and care. The goal is to bring together academia, industry and government to imagine and organize a research agenda for AI in Health, for Stockholm and Sweden.
Planned workshop programme
The daylong workshop will open with keynote speeches from experts in the field, along with speakers from KTH, KI and Stockholm city. Thematic afternoon sessions will focus on topics such as
- AI challenges and opportunities with Stockholm Health Data Center
- Future of advanced AI supported imaging for life science research
- AI and data science challenges in life science research
- AI for health decision support
- AI and modeling for epidemiology research
with the goal of identifying challenges and opportunities, forming networks and efforts to address questions in these topics.
The following plenary speakers have confirmed their participation:
- Emma Lundberg - Visiting Assoc. Professor at Stanford University. Professor KTH, Director of the Cell Atlas of the Human Protein Atlas
- Søren Brunak - Professor of Bioinformatics, Research Director, NNF Center for Protein Research
- Thomas Wiegand - chair of ITU/WHO, Focus Group on Artificial Intelligence for Health (FG-AI4H), Professor at TU Berlin and Executive Director of Fraunhofer HHI
Confirmed short talks:
Henrik Hult - Professor in Mathematical Statistics, KTH
Jens Lagergren - Professor in the Division Computational Science and Technology, KTH
Joakim Lundeberg - Professor in the Division Gene Technology and SciLifeLab, KTH
- Hedvig Kjellström - Professor in the Division of Robotics, Perception and Learning, KTH.
- Örjan Smedby - Professor in the Division of Biomedical Engineering, KTH
There will also be a panel with the topic "The future of AI for Life Science in Sweden".
These are confirmed panel members:
- Maja Fjaestad, State Secretary, Ministry for Health and Social Affairs
- Clara Hellner, research and innovation director for Region Stockholm
- Jenni Nordborg, National Coordinator for Life Science
- Dan Hill, Vinnova, Director of Strategic Design
- Louise Callenberg, SKR, Head of section digital collaboration and renewal
9.00–9.05 Introduction
9.05–9.55 Plenary talk by Thomas Wiegand
9.55–10.10 Invited talk by Örjan Smedby
10.10–10.25 Invited talk by Hedvig Kjellström. AI and Social Robots - a New Way Forward in Dementia Diagnostics
10.25–10.45 Break
10.45–11.35 Plenary talk by Sören Brunak
11.35–11.50 Invited talk by Henrik Hult. Interpolation in auto-encoders with bridge processes.
11.50–12.05 Invited talk by Jens Lagergren
12.00 –13.00 Break
13.00 –13.50 Plenary talk by Emma Lundberg. Spatiotemporal dissection of the human proteome - a crowdsourced and gamified approach.
13.50 –14.05 Invited talk by Joakim Lundeberg. Transcriptional landscapes in health and disease interpreted by AI.
14.05 –14.25 Break
14.25 –15.55 Parallel breakout sessions
16.00 –17.00 Panel Session and Wrap Up
The agenda are preliminary and changes may be made.
Workshop related funding opportunities
Please find here our search result of workshop related funding opportunities (May 2020).
firstname.lastname@example.com or firstname.lastname@example.com
See the flyer for the event here: Workshop: AI for Life Science (pdf 449 kB)


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(Yicai Global) Feb. 7 -- He Xiangjian, founder of appliance maker Midea Group Co., was the most philanthropic Chinese entrepreneur last year after donating CNY6.8 billion (USD1.1 billion) to charity, twice as much as the second-largest donor.
Xu Jiayin, chairman of property giant China Evergrande Group, followed up in second at CNY3.4 billion and Lu Zhiqiang, chairman of investment firm China Oceanwide Holdings Group Co., took bronze with donations worth CNY1.3 billion, according to rankings released yesterday by Beijing Normal University.
The 100 donors on the list donated almost 39 percent less than in 2016 at CNY23.3 billion. Some CNY5.6 billion made its way into poverty relief and CNY5.54 billion went toward higher education while a fifth of the tycoons sent money to their former schools.
Donations were higher than several recent years and charitable trusts and equity donations are becoming popular options for giving, said Prof. Fu Changbo, who manages the standings, adding that government policies could help China's charity sector become more professional. The 2017 list was the university's seventh annual donor ranking.
The only mogul from an internet firm to make the top 10 was online marketplace JD.Com Inc.'s founder Richard Liu and his wife, who came in 10th. China's online businesses are home to some of the country's richest and best-known entrepreneurs, including Alibaba Group Holding Ltd. founder Jack Ma and Tencent Holdings Ltd. founder Pony Ma, who topped the list last year after giving away almost CNY17 billion.
Businessmen from Guangdong proved the most generous, making up 35 of the 100-strong list with 15 donating more than CNY100 million. Beijing, Shanghai and Zhejiang completed the top four in a table that had few tycoons from central or western China.

subset: commoncrawl


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It's Thursday night! Almost the weekend. A two hour Grey's Anatomy on TV tonight. And I'm killing time reading listening to my favorite song (of the past few months...lol) and reading my little heart out.
After finishing Never Tell a Lie and I Love Everybody I can't decide what to read next. So far this evening I've started four books - and I like them all. Soooo I guess I'm going to read all four of them. At least I know I'll be on track for my 100 books so this year...
Also, this is the second Thursday I've posted a music video thing (mind you, I do listen to other music other than Robert Pattinson --- like the Twilight soundtrack --- kiddin'...kinda). Maybe I'll make it a weekly thing. And I promise I'll post other music groups to enrich your listening experience :)
Bookish Quote: Books as weapons?
19 hours ago


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Reach your audience.
Tell your story
Our services will help you to
reach your target audience with highly engaging content.
Be Creative, do not duplicate it
Creating Corporate Identity
Unique Design
Bespoke Plans
our Team
We're quite a mixed bunch at Passion Digital from code addicts to strategic thinkers. A broad range of skills and expertise are required to provide the best digital marketing solutions for our clients across all spectrums.
When we're not immersed in the digital world, you might also find us running in the forest, in the recording studio, taking photos or on stage at a local music venue.
Be in Touch
Follow us
Lastest projects


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Santa's Magical Trolley Express
A holiday program that begins with an exciting ride to Santa's North Polle. Visit Santa's enchanted polar workshop where the kids will enjoy in whimsical games and lively music, get a picture with Santa, and receive a special surprise. Ticket also includes entry to Little Beans Evanston. www.santasmagicaltrolley.com
Event Cost: $55
Price Category: $$$
Event times: 10 and 11 a.m., noon, 1, 2, 3:30, 4:30, 5:30 and 6:30 p.m. Tuesdays and Wednesdays


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Mix & Match 6 for $30!
As low as $10.00 Regular Price $12.00
Boyshorts just got cheekier! Get on the sexy side of comfort!
- Beautiful all-over crochet lace is flat and smooth, for a no panty lines look.
- Wide lace fabric offers more side and tummy coverage for everyday and sexy wear.
- Stretch nylon with cotton crotch.
- Coordinates with Maidenform Modern Beauty bras for a sexy set.
- Boyshorts have a moderately lower waist than a brief and longer legs with a straight legline across the thighs. Moderate to full front coverage and full back coverage.
- Country of Origin: Imported
- Fabric: 89% nylon/11% spandex; crotch liner: 100% cotton
- Units per pack: 1


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Hoofprints forever on my heart necklace - horse shoe and inifity charm on leather lariat
Buy Now Pay Later. Just select your preferred option at the payment screen.
Original new design by Living Horse Tails makes the perfect necklace addition to any outfit. Casual, classy and chic.
Adjustable lariat style leatherette necklace and alloy charms.
Wear it casually or dress up an outfit with an infinity, horseshoe and heart charm on black or brown leatherette cord.
Designed and made by me in my studio in the Southern Tablelands of NSW Australia.
You may also like the following:
A new range of jewellery and design.
Click image to visit website now.


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Fastest Time To Put On A Race Bib While Wearing Mittens
Fiona Mearo
Be the first to like this record
San Francisco, California, United States / May 15, 2015
At the Zappos.com Bay to Breakers Pre-Race Expo in San Francisco, California, Fiona Mearo put on a race bib in 20.65 seconds while wearing mittens, a RecordSetter.com World Record.
This one of eight world records set at the Expo. Additionally, the race itself set a world record for Most World Records Set During a Road Race (40). See all the records at RecordSetter.com/Zappos.
- timing starts when bib is picked up
- bib must be fully attached to chest using two safety pins
- fingerless mittens not permitted
- bib must be fully attached to chest using two safety pins
- fingerless mittens not permitted
Related Records
Fastest Speedrun Of "Age Of Mythology" Campaign Level 1
Fastest Application Of Classical Dance Make-up To 100 Artists
Fastest Time To Unwrap A Toyota Prius Wrapped In Gift Wrap And Bow


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Does .Net Have a Dynamic-Languages Deficiency?
dynamic programming languages have been around
for decades. With LISP (LISt Processing) and Smalltalk as
progenitors, today's popular examples include Perl, Python,
and Ruby.
Often labeled "open source scripting languages" and
regarded as useful mainly for data mining and automated sys-tem
administration, their well-kept secret is that these highly-productive
languages power more mission-critical services
than enterprises like to admit. In the Java world, a Java/Python
hybrid called Jython has built a cult following among devel-opers
who want to manipulate Java APIs with the ease and flex-ibility
of Python.
The .Net world lacks a Jython equivalent. ActiveState's Perl
.Net and Zope Corporation's Python for .Net bridge these
languages' VMs (virtual machines) to the .Net CLR (Com-mon
Language Runtime). But they don't achieve the deep
integration that comes from implementing a language
directly on the CLR, as Jython implements Python on the JVM.
Despite lots of second-guessing, there's no consensus that the
CLR is inherently unfriendly to dynamic languages. The JVM does-n't
bend over backwards for such languages either, and yet Jython
is a great success thanks to the heroic efforts of its inventor, Jim
Hugunin. Now Hugunin has turned his attention to .Net, and
reports promising results with a prototype Python implementa-tion
for .Net called IronPython.
Such projects always seem to spring from an inspired individual
or small team. In fact, Microsoft has such a team. It created JScript
.Net, the most dynamic of Microsoft's .Net languages. But JScript
.Net is the unloved stepsister of C# and Virtual Basic .Net.
Dynamic languages are rooted in a culture that is simply not
indigenous to Redmond. That may change, but for the time being,
the future of dynamic languages in .Net lies with non-Microsoft
Wednesday, March 03, 2004
.NET review
Posted by Duraionly at Wednesday, March 03, 2004
No comments:
Subscribe to: Post Comments (Atom)


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Neil Patrick Harris is a man of many talents. He can act, sing, dance, and make absolutely anything sound scary.
When Harris stopped by The Late Show on Wednesday, he showed off his multi-faceted talent by transforming a joyful Christmas carol into an ominous tale of doom and woe. Stephen Colbert joined Harris in the frightening fun by turning off the lights, cuing the creepy music, and intoning, "Dashing through the snow." Harris continued with a sinister, "In a one horse open sleigh." It got even darker from there with peals of maniacal laughter and an overwhelming sense of terror.
The performance even frightened the performers with Colbert admitting he was terrified, while Harris nodded, "I got shivers." Colbert couldn't let him have the last word, though: "I s— my pants. Merry Christmas!"
Harris used the nefarious performance to prove that he definitely has the chops to play the villainous Count Olaf in Netflix's upcoming adaptation of the Lemony Snicket books, A Series of Unfortunate Events.
Watch below.


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Dottie Bond: to take extravagant pleasure in the joy of living.
Like Henry David Thoreau's "live deep and suck out all the marrow of life" and Helen Keller's "life is either a daring adventure or nothing at all," this Inuit word has served as a clarion call to me since I first heard it as a teenager. Embrace this one precious pass at life. Live intentionally. Consciously enjoy your existence.
I created Dottie Bond as a forum for expression of those things in life that give me the greatest joy: travel, photography, stories of people and places, and the unexpected, beautiful things found along the journey.
Realizing that my passions are shared by countless others stricken with wanderlust, I hope Dottie Bond will inspire you to plan your next adventure, evoke memories of a trip taken years ago, or simply remind you that the world in all of its distant corners is vast—and it is all worth seeing.


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Pastor Nathanael Mayhew sent CreationSundays.com the following announcement, which we happily pass on to you:
"Zion Evangelical Lutheran Church will be celebrating Creation Sunday, February 19th, 2012. Throughout the day we will focus on the truth that God has created the world by his all powerful word, not through the atheistic theory of evolution. This will be the focal point of our children's Sunday School lesson, our adult Bible Study, a special worship service as well as special creation presentation in the afternoon.
10:00am – Sunday School and Adult Bible Class 11:00am – Creation Day worship service 12:30pm – Fellowship lunch 1:30pm – Creation presentations for children and adults
In the afternoon session two presentations will be offered: "The Bible explains Dinosaurs" and "The Six Days of Creation."
As Christians we and our children are confronted with these and other attacks against the authority of Scripture on a regular and increasing basis. Now, more than ever, we need to be sure of what God teaches about the creation of the world in the Bible. We need to prepare ourselves and our children for defiant and even subtle attacks against God and His Word. Peter writes, "always be ready to give a defense to everyone who asks you a reason for the hope that is in you, with meekness and fear" (1 Peter 3:15).
We hope that you will join us next weekend as we strive to know, uphold, and defend the whole truth of God's precious Word of Life."
The church is located at 132 Hurricane Shoals Rd. Lawrenceville, GA 30046. Additional information about our church can be found on the church's website at http://www.zionlutheranlawrenceville.com.
Pastor Mayhew has also written an article for his church newsletter which comments on Creation Sunday, which can be found at: http://www.clclutheran.org/atlanta/zionnews/2012/January.pdf.
I encourage you to attend this Creation Sunday celebration if you're in the area, and to lift up Pastor Mayhew and Zion Evangelical Lutheran Church for their unashamed stand for the historical veracity and ultimate authority of God's Word!
-Rev Tony Breeden


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Frankfurt am Main, July 27 2015
German absolute return equity strategy mitigates general market risk
Special quantitative strategy targets 8 per cent return per annum
Also suited to conservative investors thanks to low correlations with equities and bonds
The fund targets 8% p.a. and has a target volatility of 12%. The maximum drawdown should be limited to 13%. These objectives make the fund an interesting proposition not only for equity investors but also, more particularly, for conservative investors seeking a moderate risk/return profile.
The fund follows a rule-based and market neutral investment approach and combines an equity portfolio with the sale of futures contracts.
"The mathematical engines behind this fund are highly complex, however the resulting fund structure is very simple," explains Dr. Wilhelm Berghorn, CEO of Mandelbrot Asset Management. The fund typically holds cash as well as 15 German DAX, MDAX and TecDAX stocks. "We will hold a corresponding short position in the DAX future to minimise market risk. At the end of the day, the investor receives the performance differential between the equity portfolio and the equity market," sums up Berghorn. Positions in the fund are typically rotated monthly.
The investment strategy is based on state-of-the-art findings on the momentum effect. Modern analytical tools (wavelets and fractals) allowed its derivation from a vision of the mathematician Benoît Mandelbrot. According to the market model that has been named after Mandelbrot, it is possible to outperform the market long-term and structurally even though the traditional capital market theory claims otherwise. This finding has already been proven based on factor analysis for instance by MSCI.
"The portfolio can make positive contributions to almost every existing portfolio since it has low expected correlations with the equity and fixed income markets," says Berghorn. Stocks are selected via regular, proprietary trend assessments and a subsequent ranking and rebalancing of positions. Up to 100 percent of the fund volume can be held in cash at bank during market phases in which the trend analysis does not suggest positive returns. The system of trend evaluation can also be reversed (contrarian strategy).
Fund name: Mandelbrot Market Neutral Germany
Fund partner: Mandelbrot Asset Management GmbH, Munich
Investment company: Universal-Investment Gesellschaft mbH, Frankfurt am Main
Custodian: Joh. Berenberg, Gossler & Co. KG, Hamburg
Fund category: Equity fund
Fund currency: Euro (EUR)
Unit type: Distributing
Ongoing charges (estimate): 2 % p.a.
Minimum initial investment: None
Initial charge: Up to 5 %
Performance fee: Up to 10% of the return generated in excess of the reference value (absolute positive return with high watermark) during the accounting period.
Munich-based Mandelbrot Asset Management GmbH develops modern investment solutions based on new capital market findings. Dr. Wilhelm Berghorn is the partner and founder of the company. The qualified computer scientist and mathematician has been working with the so-called wavelet analysis for industrial and financial services applications for over 20 years. Two proven experts, Prof. Dr. Heinz-Otto Peitgen and Dr. Sascha Otto, form the scientific advisory committee of Mandelbrot Asset Management GmbH. Peitgen is a mathematician and chaos researcher. His books on chaos theory and fractal geometry have been global bestsellers for almost two decades. Otto graduated in business administration. After completing his PhD, Otto held various positions in different banks, most recently as head of securities and portfolio management at Sparkasse Bremen.
Further information can be found at www.mandelbrot.de
Bernd Obergfell
+49 69 71043-575


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Hip, hot and happening, must go in Amsterdam West.
There's a buzz in Amsterdam. It's all about "de Foodhallen", lately.
Thursday night, so busy, but we found a spot.
To keep the little corner we conquered we had to go in turns, to find the best snacks we could get. Wine, Jamon Iberico, Manchego, 'Bitterballen', Cheese Platters, we just couldn't stop smiling, all the tasty things we saw. Just Yummy.
If you like food, cozy atmosphere, beautiful people and nice wines, go check out de foodhallen.
De Foodhallen
Bellamyplein 51
About Hidden Treasures
Are you bored with always going to the same places? New in the city? Or uninspired and living in Amsterdam for many years already? Hidden Treasures will inspire you, showing places you haven't seen before, restaurants, bars, street art, exhibitions and cool stores. Check out Hidden Treasures Amsterdam, to see what Amsterdam has to offer.


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Argentinian newspaper has become first outlet targeted by new Polish Holocaust denial law
An Argentinian newspaper has become the first outlet to be targeted by Poland's new Holocaust denial law, after a nationalist group filed a case on Friday hours after the legislation went live.
The law, which went into effect Thursday, sets fines or up to three years in jail for anyone ascribing "responsibility or co-responsibility to the Polish nation or state for crimes committed by the German Third Reich".
The main aim is to downplay Poland's role in Nazi atrocities and make the use of phrases such as "Polish Death Camps" to refer to the Polish death camps, punishable.
On Friday the Polish League Against Defamation (RDI), a non-profit which is close to Poland's conservative government, lodged a case under the new law against the website of Pagina 12, a newspaper in Argentina.
The article dealt with the Jedwabne pogrom. For dozens of years after the war, Polish communist authorities attempted to cover up the role played by Poles in the massacre, choosing instead to point the finger at Nazi special units.
A report published by historian Jan Tomasz Gross in 2011, however, claimed that the Poles carried out the massacre themselves, in which some 1,600 Jews were killed.
RDI accused the newspaper and its journalist Federico Pavlovsky of "an action intended to harm the Polish nation and the good reputation of Polish soldiers".
The editor of Pagina 12, the Argentinian newspaper sued by Polish authorities under its new Holocaust law, said on Sunday, "If we are pressured, we will print this article again." Interviewed by the Israel public broadcasting corporation, he said the suit was a message to the European press and to the Polish press."
The legislation has drawn widespread international criticism and ignited an unprecedented diplomatic row with Israel.
Israel have expressed concerns that the legislation could open the door to prosecuting Holocaust survivors for their testimony should it concern the involvement of individual Poles in killing or giving up Jews to the Germans.
PM Netanyahu said that Israel has "no tolerance for the distortion of the truth, the rewriting of history and the denial of the Holocaust."
While the law has already gone into force, Poland has made it clear it will not be enforced until talks with Israel conclude and a decision is reached in the country's constitutional court, which will then refer the law to President Andrzej Duda for reinspection.
Yair Lapid, the chairman of the Yesh Atid party, is opposed to Prime Minister Netanyahu's decision to negotiate with the Polish prime minister on the "Polish Law."
"There is no negotiating over the memory of those who perished. This law should simply be buried in the soil of Poland, which is saturated with the blood of Jews," Lapid said.


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Movie Review: A Thousand Cuts
When you create something for the world, is there blood on your hands when someone gets hurt because of it? In January 2013, we got a chance to sit down and watch this argument play out.
Directing this 85 minute thriller is Charles Evered.
The cast of this flick is:Michael A. Newcomer as Lance, Michael O'Keefe as Frank and Olesya Rulin as Melanie.
Lance is a famous horror director that's done very well since his first movie. He is having a huge party at his house and rubbing elbows with other high society Hollywood types when a power failure causes him to call
an end to the evening. After kicking everyone, out Lance just wants to relax and forget about the night, but a stranger has different plans for him. Tonight, Lance will learn, being rich and famous or not, our actions have consequences.
This had a really good story, and the playthrough was nice. It brings up that age old question of who bears the responsibility, the user or the creator? The sets were minimal, which lets you focus on the cast and the point of the movie. It's not a great flick by any means, but the story makes for a great argument. It's a short enough movie that you can enjoy, because they keep it simple and to the point. Which was a plus for me, given some movies tend to drive the point home and then become that guest that doesn't know when to leave.
3 stars for a movie that makes you think and gives you something to talk about.


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Quebec's outreach workers are reporting high levels of burnout: study
MONTREAL -- At least 20 per cent of Quebec's community workers said they were experiencing burnout before the COVID-19 pandemic, a number that researchers say may now increase.
The numbers come from a study conducted by Universite du Quebec a Montreal. It polled 851 community workers, such as people working in food banks and organizations dedicated to helping vulnerable children.
Most of those polled worked on the Island of Montreal, but some from Quebec's other regions were also included.
Participants reported a high workload, both in the amount of work that needed to be done and in its emotional toll, as well as financial insecurity due to low pay. More than a quarter of polled workers said they considered themselves poor.
Many reported feeling guilt and hesitated to take sick leave, saying they didn't want to abandon people who need them or their colleagues.
Psychology professor Sophie Meunier said all those factors contributed to feelings of professional burnout. She added that the economic effects of the pandemic has put additional pressure on community organizations, especially those offering food aid.
This report by The Canadian Press was first published Aug. 4, 2020.


text: Please help us in welcoming Kyle Henry to The Reuter Team! Kyle is an Air Force Veteran and specializes in Real Estate in Sun Prairie and surrounding communities. Kyle brings with him his superb work ethic, outstanding client service, and his supreme knowledge in investing. Kyle's first question when joining the The Reuter Team was, "how I can be a part of the Homes for Heroes Program and give back to others", at that moment we knew Kyle and our team were a perfect match. Kyle joins The Reuter Team in being the #8 Real Estate specialist in the Nation for Homes for Heroes and the top affiliate in the state of Wisconsin. For more information on buying, selling, investing or Homes for Heroes you can visit www.homesforheroes.com or e-mail him at firstname.lastname@example.com


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I've been playing fantasy baseball for years, but recently became addicted to Sim Dynasty Baseball. Great game, it's a simulated fantasy game, but it's pretty cool and a great option for playing fantasy baseball year round. They've also football leagues as well.
It's worth checking out- there are free trial leagues to check out, but they aren't very competitive. The private leagues and dynasty leagues are awesome to play.
Here's a link-


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Pigeon & Poodle
Edmonton Umbrella Stand - Glossy White
Pigeon & Poodle Home Goods. Our umbrella stand offers a bit of sunshine on a rainy day. An organic-looking honeycomb pattern gives the ceramic Edmonton its open-aired look; versatile glossy white or crackled gold finishes really make the texture pop.
Material: Ceramic
Small - Overall Size: 9.5"D x 17.5"H
Large - Overall Size: 9.5"D x 23.5"H


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The Ultimate Guide to Saving Money
Tips and tricks to help you save more
This information page aims to provide everything you need to know about saving money and getting ahead financially.
Please keep in mind that there are no one-size-fits-all solutions when it comes to money management, which is why this information is provided for general purposes only.
If you would like to speak with a personal budgeting specialist about a tailored solution, please contact us to arrange a free, no-obligation discussion.
When you finish reading this information, you will understand:
1. Why having savings to fall back on is a vital component of financial fitness
2. How to create savings goals and a sustainable savings plan
3. Strategies and tools to save more regularly and faster
4. Money management habits that contribute to saving
5. Ideas to save for a cash safety net quickly
6. Whether to save or pay down debt
Most people are saving for something and nearly everybody would like to look at their bank account and see a higher cash balance. Yet nearly one-in-seven Australians, equivalent to 2.6 million people, have no cash reserves to fall back on.
It's little wonder that so many Australians find it hard to save. Australia has one of the highest costs of living in the world and housing, an essential living expense, is especially costly. On average, rent or mortgage payments now make up around 20 percent of a household's spending. Household debt is also at record levels. In 1994, average household debt represented 60 percent of average annual disposable income. Today, it's nearly 200 percent — a product of booming real estate prices.
Furthermore, changes to the aged pension mean that current and future generations of Australians can no longer rely on a government safety net to guarantee their comfort in retirement. Individuals are increasingly expected to save for their own retirement through superannuation and other investments.
In other words, saving money in Australia is particularly challenging and especially important. But how do you develop a cash safety net when it feels like all your money is taken up by living expenses? This is an important question and one which we tackle in this guide. The information provided here is intended to help you save regularly, as well as achieve lifelong financial fitness and relieve your money worries.
Financial fitness can be defined in general terms as "having the money you need, when you need it" or "being able to afford the things you want."
These definitions are a good start, but if your aim is to achieve financial fitness, it's important to have a clear and exact picture of what financial fitness looks like.
There will always be expenses vying for your hard-earned income and trying to eat into your savings. The key is to develop habits and strategies that prioritise saving and help you to become financially fit for life.
We define financial fitness as:
The good news is that financial fitness, just like physical fitness, can be improved little by little. Positive changes, no matter how small, will add up over time.
However, you won't improve your strength very quickly by lifting weights once a month. The same is true for financial fitness - it results from your daily money habits and choices.
A budget is a workout plan for your money
You may know that the key to getting physically fit is to change your daily exercise and nutrition habits and to make conscious, healthy choices that are part of a deliberate fitness plan. The same is true for your money. Creating a budget is like creating a workout plan for your money. A budget provides structure and discipline that guides healthy, financial habits and choices.
Those who live week-to-week without savings to fall back on are more financially vulnerable. When unexpected bills come up or their income is interrupted, people without savings are often reliant on credit cards or loans or the help of family and friends to make ends.
Because of this, they stand greater risk of getting into debt and experiencing financial hardship.
The costs are not only financial. Financial stress can also impact health, relationships, work performance and life opportunities.
One thing you'll notice about people who are good at saving is that they avoid spending money unnecessarily.
For instance, they may take their lunch to work instead of buying it or catch public transport to avoid paying for parking. This doesn't mean that they're miserly. On the contrary, many people are disciplined about how they spend their money so they can apply it to other priorities. They have goals for their money and these goals positively influence their daily money habits and choices.
Creating saving goals is a great way to help you stay focused, motivated and disciplined about how you use your money. In fact, having financial goals makes saving easier and fun.
When you feel tempted to spend beyond your budget, your saving goals are a reminder of the fun and gratification awaiting you. You see a new outfit you like, but it feels less desirable compared to the overseas holiday you're saving for. You're tempted to buy new furniture, but resist because you're focused on saving for a house deposit. You skip Friday night drinks because you'd rather put that money towards a concert ticket.
When you combine goal setting with budgeting, you have the benefit of a clear target to aim for plus a detailed plan of how to get there!
S.M.A.R.T. goals are Specific, Measurable, Attainable, Relevant and Timebound. They describe the outcome of the goal and the actions needed to achieve it. The impact of S.M.A.R.T. goals instead of vague goals is that you are committing yourself to a certain outcome and timeline, and can be sure of what you've achieved when that milestone comes. There's a definitive success that can be celebrated!
S.M.A.R.T. saving goal example:
"I am saving $100 from each pay into my savings account to build up my emergency fund. By 31 December this year, my goal is to have $2,600 saved. By 31 December next year, my goal is to have $5,200."
Have you found that your savings keep getting eaten up by unexpected expenses? Or you run out of money before payday?
It's not uncommon for people to find it difficult to pay their bills, let alone have spare money for saving.
The key to taking control of your financial situation is creating a budget. A budget is the cornerstone of money management and the only way to properly take control of your finances.
With a budget in place, you can see your exact financial position and future outlook at a glance. All your bills, expenses, savings and goals are mapped out in front of you.
As you make changes to your budget, you see your short and long-term projections change before your eyes.
A long-range, detailed budget will take into account all of your income, bills and expenses for the next 12 months. As well as including your weekly living expenses (groceries, rent or mortgage payments, petrol etc.), a detailed budget will also factor in your monthly, quarterly and annual expenses, such as school fees, car registration, council rates, birthdays and Christmas, and set aside extra funds for those unexpected expenses (vet bills, repairs etc.) that will inevitably come up.
Budgeting can provide deep insights into your finances and reveal where money can be saved and bill payments can be smoothed to make cash flow management easier. Further, once you have a budget in place, there are fewer surprises, which makes it easier to save regularly.
The savings you set aside may start out small, but over time they'll grow into a cash safety net for emergencies or go towards special projects or events, such as a holiday, home deposit or renovations.
Tried budgeting before and it didn't work?
The budgets people create for themselves are often short-term (pay-to-pay or month-to-month) or manual, which can make the budget difficult to manage. A good budget will be long-range, detailed and automated.
For help with budgeting, contact us for a free, no-obligation budget consultation. We'll help you create a customised budget plan that's yours to keep for free.
One of the tricks to saving money is to never let it touch your pocket — or wallet or purse or everyday bank account!
Open a dedicated bank account for your savings so that your cash reserves are kept separate from the money you use for your living expenses and bills. The harder it is to access the account, the better. Keep the access card in a safe place that's not your wallet or purse.
Enjoy watching your savings grow! The balance may start out small, but your savings will add up over time. When you have a few thousand dollars saved, transfer the balance into a term deposit that attracts a higher rate of interest.
Now that you've got a dedicated bank account, set up an automatic transfer so that a portion of every pay you receive is deposited directly into your dedicated savings account. The payroll administrator at your work can set up the disbursement for you or you can schedule the transfer to occur automatically between your accounts.
The trick is to separate your savings from your spending money before you see it. This trick plays on the fact that most people adjust their lifestyle to suit their income. The term "lifestyle inflation" describes when a person spends more in response to earning more. Likewise, it's described as "lifestyle adjustment" when a person adjusts their spending to a lower income. The good news is that lifestyle adjustments are often minor and unnoticeable, such as eating at home more often.
A common misconception is that you need a high income to be able to save. This is not true. A high income can certainly help with accumulating savings, but it's no guarantee.
In fact, high earners are often high spenders. The symbols of wealth associated with high incomes (big house, luxury car, designer clothes etc.) are no assurance that the person who possesses them has any savings in the bank.
For the majority of people, the ability to save is more affected by how much they spend than how much they earn. The less you spend, the more you can save. If you're finding it hard to save regularly, this statement is a simple, but powerful reminder that saving challenges usually stem from spending habits.
Here are some ideas to boost your savings and create a cash safety net quickly:
As well as exploring quick ways to increase your cash reserves, it pays to review all of your expenses and spending habits.
Reducing your expenses is a great way to free up money for saving and to achieve your financial goals faster. And many people are surprised to discover that there's spare cash hiding in their budget right now.
Your expenses can be divided into two categories: essential and discretionary:
Essential living expenses describes costs associated with items you can't live without — for example, housing, transport to and from work, groceries, utilities and medicine.
Discretionary expenses describe your non-essential spending, such as buying new clothes or eating out.
Ideas to reduce your living expenses:
Don't forget your "little" expenses. People are often shocked to learn that a large portion of their income is spent on unnecessary, discretionary items that add up to thousands of dollars a year.
Here are some examples of cost reductions that can make a considerable difference over a year:
Given that interest earnings on savings accounts are generally lower than interest charges on loans, it makes sound financial sense to use any spare cash to pay off debts before you start saving.
Especially in the case of credit cards, personal lines of credit and other debts with high-interest rates — pay these down as quickly as possible to minimise the amount of interest you are charged over time.
That being said, one of the most common causes of financial stress is credit card overuse due to having no savings to fall back on. Once you pay off your credit card debt, it's important to commit to creating a saving safety net to break your reliance on credit cards once and for all.
Mortgage debt generally comes with comparatively lower interest rates, but expose you to interest charges over a long period of time, often up to 30 years. So, again, it's important to pay down your mortgage as quickly as possible to reduce your interest costs. A mortgage offset account or redraw facility is a powerful way to create a savings safety net while reducing your loan balance and exposure to mortgage interest. With a mortgage offset account, your savings balance is deducted from your loan balance and your mortgage interest payment is calculated on the net amount. You have the added flexibility of being able to withdraw your savings as you need them.
Case Study: saving money and a marriage
Hannah and Sam were a double-income couple with two young children. They were careful with their money, yet still found it difficult to get ahead.
Like a lot of couples, they were paying down a mortgage, trying to save for renovations and wanting to enjoy life, such as take the kids on holidays. Every time they saved up a few thousand dollars, an unexpected expense or forgotten bill would come up.
They would often disagree over money or argue about their financial priorities until a friend suggested that taking control of their finances could possibly help their marriage.
Once they started budgeting, the grumpy money discussions disappeared. Sam and Hannah had a clear plan in place that mapped out their income and expenses, revealed areas where they were spending more than they needed to and showed exactly what they could achieve with their money.
Instead of arguing about money, they now enjoy talking about ways to achieve their financial goals faster. In two years, as well as saving enough to start their renovations, they've also bought a campervan for weekends away with the kids.


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Floor Sawing
With our various machines we are able to cut through floor slabs of up to 750mm. Our range of equipment includes 3-phase electric saws from 7.5kw to 22kw, and more powerful diesel and petrol road saws up to 80hp.
This variety of equipment allows us to work in an array of situations. Indoor work is made much easier by our electric saws, which are quieter than their petrol & diesel counterparts. Our electric saws also eliminate the concern of harmful exhaust emission, and are ideal for indoor spaces.
Contact us to find out more about our services and to get a quote.
Providing a professional concrete drilling and sawing service in the construction industry throughout the UK.
Daracore have extensive core drilling and sawing experience since 2003 in the UK and Irish markets.
Contact Details
01707 244 725
07377 626 064


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Interesting things about Khajuraho. Khajuraho is a complex of temples built between 900 AD to 1050 AD. These are 11 centuries old and still stood the test of times. The reasons behind it including what the local guide there had told me.
Dos and Don'ts for your Ladakh Holiday
I have mentioned few points on do's and dont's of your Ladakh Holiday. Ladakh is a special place given the altitude and the climate. We have to take few precautions before planning your holiday.
Culinary Travels – Treat to your tastebuds
Culinary Tourism is a type of travels and tours which are surrounded around food and drinks. The types of food travels are explained in the post. Also the pre-requisites to enjoy the travel are also mentioned.
Transformative Travel – Popular among millennial travellers?
Transformative Travel is soon becoming a popular key word among millennial travellers. This post is just about the introduction to the experience of transformative travel. Precautions to be taken and when and how to start.
Travels in 2019… Plans for 2020
The travel bug in me started when I was 10. My parents rented a car, an old ambassador, to cover many places in Andhra Pradesh in India. We did not stop there. We travelled to Delhi, Haridwar and Rishikesh 6 months later. I don't know why, probably because of the age I started seeing things…
A Day in a City: Kanyakumari
My day in Kanyakumari. It has all the activities and places to visit in the city. It includes, Vivekananda Rock Memorial, Thiruvalluvar Statue, Padmanabhapuram Palace, Sunrise and Sunset view point, Kumari Amman Temple, Mahatma Gandhi Mandapam etc.
5 Facts about the richest temple in the world – Padmanabhaswamy Temple
5 Facts about the richest temple in the world. The Anantha Padmanabhaswamy Temple in Trivandrum, Kerala.
24 Hours in a City: Trivandrum
If you have only a day with you and wanted to visit, travel and experience a city. Then we provide a short time table of where to visit, what to see and eat. This is a new series called "24 Hours in a city". So basically not 24 Hours; it meant a day,
5 Exotic animals and birds of Ladakh
5 exotic animals and birds found in the region of Ladakh. These are exclusive to this place. The harsh cold climate and very high altitudes make this place unique for these species.


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We will be meeting up for a meal together after work. The restaurant we're going to specializes on local cuisine, especially meat based food (horse, rabbit, pork, beef, quails etc).
Everyone's welcome of course :)
Triq IL-Kbira, L-Imġarr, Malta
map Open in Google maps | Apple maps | Citymapper
An event page by George Gauci
Made with love in London
We ask for your email address so that we and the attendees have a way of contacting you.


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Charlotte Brontë bicentenary in 2016
Reader, I married him by Tracy Chevalier
Short story collection inspired by Charlotte Brontë, including stories from authors by Tessa Hadley, Esther Freud and Audrey Niffenegger.
Charlotte Bronte: a life by Claire Harman
An in-depth biography charting Charlotte Brontë's tumultuous life, about how her life experiences inspired her writing and her role as the driving force behind the Brontë family.
The Brontë cabinet: three lives in nine objects by Deborah Lutz
Deborah Lutz examines the Brontë lives through meaningful objects from the Haworth Parsonage, such as the intricate books made by the Brontë children, Charlotte's sewing box and Emily's portable writing desk.
Charlotte Brontë revisited by Sophie Franklin
A new look at Charlotte Brontë which examines her lasting relevance in the 21st century.
The Brontë myth by Lucasta Miller
A retrospective view on how biographers over several decades have interpreted the Brontës according to social mores of the time.
Charlotte Brontë by Rebecca Fraser
Rebecca Fraser draws on Elizabeth Gaskell's biography of Charlotte Brontë to show how perspectives of women have and haven't changed since the 19th century.
Charlotte Brontë's secret love by Jolien Janzing
A historical fiction take on Charlotte and Emily Brontë's experiences in Brussels.
The Brontes: a life in letters by Juliet Barker
A selection of letters and autobiographical fragments from Charlotte, Emily and Anne, their brother, Branwell, and their father, the Reverend Patrick Brontë.
The Brontës: scenes from the childhood of Charlotte, Branwell, Emily, and Anne by Catherine Brighton
Told from the perspective of a young Charlotte Brontë, this illustrated book introduces children to the lives of the Brontës.
The Brontës: children of the Moors: a picture book by Mick Manning and Brita Granström
Recently published, this children's picture book about the Brontë sibling's childhood, also retells Jane Eyre, The Tenant of Wildfell Hall and Wuthering Heights in comic-strip form.


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How to Stop Drinking
Some posts from our community about how to stop drinking
Start with some Inspiration :
Decide to Make it Non-Negotiable :
Fill Your Tool Box with Tips and Tools :
Make a List or Two :
Find a Community and Start Rewriting Your Narrative by Sharing your Story :
Learn everything you can about How Alcohol affects Your Brain and Body :
Decide-Survive_then Thrive !
Fix it Change it Redirect it :
We'll Help :
If you are drinking too much too often and want to take a break…
Come join us
We are an independent, anonymous and private community who share resources, support and talk it through every day. It helps to have a community behind you in a world where alcohol is the only addictive drug that people will question you for NOT using
You can read more about us Here
And join Here
Download the Mighty Networks app here for easy access and search BOOM Rethink the Drink


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$4.80 Tax included
Ready for Download!
- The pattern has row numbers for each step so you don't lose your place
- Instructions for making the cushion and photos
- A list of abbreviations and explanation of some techniques
- A materials list and recommended yarns.
- The pattern is 4 pages and written in English.
Cheer up your sofa with a purrrr-fect knitted cat cushion!
TECHNIQUES: All pieces are knitted flat (back and forth) on a pair of straight knitting needles. You will need to cast on and off, knit, purl, work increases and decreases, sew seams, and this pattern incorporates intarsia colour-work. The pattern includes a chart for the colour pattern as well as written instructions.
FINISHED SIZE: The cushion is approximately 25cm wide (not including the tail) and 29cm tall.
newread more
Materials you need at home:
- A pair of straight 4.5mm knitting needles (US 7)
- Aran yarn (worsted weight) in white, beige and gold.
- A small amount of black DK yarn (light worsted weight) to add the whiskers
- Buttons for eyes and nose
- Toy filling


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Doctoral & Early Career Consortium
Congratulations on a successful dissertation defence! But now what?
This year's Doctoral Consortium is focused on the joys and hazards of transitioning into fulltime employment in academia. The topics and discussions presented are designed to get you thinking about the choices you will need to make in the crucial first five years. Topics by those who have recently experienced their first five years include research, thoughts and reflections on:
- how to (and how not to) negotiate your first position's salary, teaching load, and service expectations;
- how to set up a research program;
- how to 'market' yourself and your research.
Presenters and Discussants:
Gabrielle (Gabie) Durepos is an Associate Professor in the Department of Business and Tourism, at Mount Saint Vincent University in Halifax, where in her teaching she specializes in management and her research focuses on management and organizational history. Gabrielle's co-authored book: ANTi-History: Theorizing the Past, History, and Historiography in Management and Organization Studies, develops a critical organizational history to reveal the role of history in liberationary politics. She is a coeditor of both the Sage Encyclopedia of Case Study Research as well as the SAGE Major Work on Case Study Methods in Business Research. Gabrielle's most recent publications appear in Management & Organizational History, Journal of Management History, Critical Perspectives on International Business, and Organization.
John Fiset is an Assistant Professor in Organizational Behaviour and Human Resource Management at the Faculty of Business Administration at Memorial University of Newfoundland. Dr. Fiset received his Doctor of Philosophy (PhD) in management from the John Molson School of Business at Concordia University in 2014. His research focuses on the impact of various leadership behaviours on workplace health and safety outcomes, language issues at work, and inter-group cohesion dynamics. His research has been published in the Journal of Management and Team Performance Management in addition to book chapters and numerous academic conferences.
Amy Thurlow's research interests focus on the areas of identity construction, critical historiography and organizational communication. Grounded in an approach of critical theory, Amy's work has looked at the impact of communication on organizational change strategies, the role of power and legitimation in the construction of organizational and individual identities, and the relationship between history and theory in understandings of knowledge production. Amy is the principal investigator in a research partnership with the Canadian Public Relations Society titled the GAP (Generally Accepted Practices) VIII Canadian study. This research will contribute to an international study of generally accepted practices of public relations in Canada, the United States and five international partner nations.
Terrance Weatherbee is a Professor of Management at the F.C. Manning School of Business at Acadia University in Wolfville. Currently, he holds the Manning Chair in Business and his teaching is primarily in organizational theory and research methods. His research is critical in focus, centered on the historiography and sociology of management thought. He regularly presents at conferences and his research has been published in numerous articles, chapters and texts.


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Residual Value Setting
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SAB Asset Management was formed in 1998 to serve Banking and Financial institutions in
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One of the directors has worked for two of the largest banking and financial institutions in America in senior management and director roles. Having seen a major opportunity for then to save money just on managing their assets, SAB Asset Management can offer a full Valuation and Conditions Report on all assets in their full lifecycle.
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Playing Poker From Your Kitchen Table Or a Casino
If every player on the table checks or folds, you already know your opponents' hands are likely weak. Most players favor the casino dealer position given it gives them a live result sgp good possibility to steal the blinds. That means that this player in the casino dealer position is definitely the very last to …January 14, 2020


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Woodrow Wilson comes to Europe (3)
So who is this Woodrow Wilson? Well, he was born in Virginia in 1856, just before the start of the Civil War.
He had been and would remain a real southerner, even though he did accept the outcome of that war. He studied at Princeton University, and later returned there, eventually becoming its president in 1902.
Wilson managed to raise the profile of the university no end, and by 1910 had become a national figure.


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Pro Power Group - Solar Integrators CA
URL: http://www.propowergroup.com/
Specializes in residential and commercial, marine and RV, solar power systems, and solar hot water systems. Handles design, engineering and construction in Los Angeles, Orange County, Riverside, San Bernardino, and Northern California.
Current Rating: 10.00
Number of Votes: 1
Date Submitted: 2-Jul-2011
Last Updated: 4-Dec-2011
What do you think of this listing?


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Hi Everyone: Sorry I've been absent but I've been on the road a lot.
I followed with interest the discussion on the covers. My own thought is that each author should be responsible for what they put on the site.
It continues to be busy. I'll be at the Barnes and Noble in Lancaster from noon to 2 pm tomorrow and then on to the Barnes and Noble in Philadelphia tomorrow night from 7 - 9 pm.
George: I hope to see you in Lancaster. Anyone else?
The month of July I'll be doing a number of signing at the Jersey shore. July 3rd in Avalon, July 16th near Atlantic City, July 18th in Sea Isle City, then July 30th in Ocean City.
I'll be at Thrillerfest in New York from July 8 - 11.
So, if I.m AWOL, it's not because I'm not following what you're talking about.
I love the discussion and am impressed with all of the work ongoing.
Hope to see some of you at the Camp Hill Barnes and Noble next Wednesday.


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Mercy Counts Records Presents: The Brand New Music Video from Connecticut Rap Group Beyond Top Secret. Featuring members Freeze Martian, Xplizt and Docta Damnage.
This is also a bittersweet, because this will be the last video and track released by the group that will feature Xplizt. Don't worry, there's no bad blood. In fact Xplizt has decided to focus on her family and while I'll miss her music, you have to respect that family comes first. I wish her nothing but the best, but I've heard that you should keep an eye out for revamped Beyond Top Secret sometime in the near future.
from Faygoluvers


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If the other driver is responsible for your car accident, you'll probably be able to hire an individual injury attorney on a "contingency fee" basis. Learn when it's worth the cost.
If you've held it's place in a vehicle accident, and it's pretty clear that the other driver was responsible, you will end up buying plaintiff's car accident lawyer (one who represents the individual filing an individual injury lawsuit, whenever a case makes it to court). But simply how much can you need to cover?
Most car accident attorneys charge due to their services in a fairly unique way—as opposed to the hourly fee that numerous firms charge in other types of cases. The typical car accident lawyer will charge a "contingency fee" to defend myself against a personal injury case. A contingency fee ensures that the firm won't receives a commission any attorney's fees unless you recover money in your case. The lawyer or law firm will get paid a portion of money received from any car insurance settlement or jury verdict (if the case goes all the way to trial).
In this short article, we'll have a closer look at how contingency fees work and that which you can expect if you choose to hire a lawyer to take care of your car accident case.
The Contingency Percentage
The percentage a personal injury lawyer can receive in a contingency fee agreement varies, but typically ranges from 25 to 40 percent, and 33 percent (or one-third) is pretty standard. So, when you have a 33% contingency fee arrangement and you recover $90,000 in your car accident case, your attorney will receive around $30,000.
A contingency fee percentage can vary depending on whether an individual injury lawsuit needs to be filed against the other driver (the defendant). If the case settles before it would go to court, the percentage may be on the reduced side.
However, if settlement occurs after suit is filed and following the defendant has served a formal answer to your complaint—or if the case proceeds to trial and a jury verdict is reached, the attorney's share may increase to 40 percent.
For example, suppose your lawyer sent a demand letter to the other driver's insurance company in your case, and you quickly reached a settlement for $90,000. In this situation, the attorney would again receive $30,000 (33%). However, guess that the case instead ended in a jury verdict of $90,000 and your agreement (and/or regulations in your state) allows the attorney to receive 40% of a recovery following the complaint is answered. In this situation, the attorney can recover $36,000.
It is obviously very important to speak with your attorney about the contingency fee and to carefully review your contract for legal services. If you may not understand the fee arrangement as mentioned in the contract, ask your attorney to explain it to you.
Also, just like everything in an agreement, the fee is negotiable. If yours is really a "cut and dry" case—fault for the car accident and your damages are clear, the defendant has plenty of car insurance, and there's ample evidence burning your claims—you can certainly negotiate a lesser contingency percentage. You do not need to give up a third of your compensation simply because you will need the leverage of having a lawyer in your side.
Fees and Expenses
Depending on the lawyer and your contract for legal services, you may or may not result in upfront court fees and other litigation expenses, just like the cost of obtaining medical records and police reports, court reporter fees, and expert witness fees.
Many personal injury firms require the client to cover the above-mentioned fees as they become due. If your contract states that you're in charge of these costs, you can expect an individual injury firm to call you and seek payment since the fees become due. If you fail to pay these fees, your case will more than likely not proceed until there is a payment.
Other personal injury firms (typically large firms), will cover all fees and expenses. However, the fees and expenses will undoubtedly be deducted from your own settlement or final judgment. Let's say you settled your car accident case for $100,000. This time, your contract stated that costs and expenses will be deducted from the settlement. Your attorney incurred $10,000 in costs and expenses. In this situation, your attorney would receive $10,000 as reimbursement for the expenses and expenses, and $30,000 for legal services. You would find yourself receiving $60,000 as a final recovery ($100,000 - $10,000 - $30,000 = $60,000).
Be sure that your lawyer takes their fee from the "net settlement"—that's, the total amount left after case expenses are deducted. This arrangement is typical. However, some law firms may try to increase their pay by taking their money out first. Let them realize that you won't accept that, and when it becomes a package breaker, it's probably best to find another lawyer.
Other Fee Arrangements
Not totally all cases will involve a pure contingency fee arrangement. Lawyers may collect an initial retainer to begin your case and also collect a contingency fee by the end of your case. However, in the event that you recover money, the total amount already paid to the attorney must be subtracted from the percentage because of the attorney by the end of the case. As an example, in the event that you paid $2,000 to the attorney as a retainer and recover $90,000 in a settlement, the attorney will receive $28,000 from the settlement ($30,000-$2,000 = $28,000).
Most car accident cases won't involve a set fee payment for legal services. Flat fee arrangements are normally reserved for less-complex cases. A law firm may charge a set fee where in actuality the legal representation is limited to drafting and giving an answer to a demand letter. In that case, the fee may range between $300 to $1,000.
Is a Car Accident Lawyer Worth The Cost ?
The overall rule is this: The more serious the injuries, the higher the value of hiring a lawyer. If you're in a minor fender bender with minimum injuries, you can probably negotiate an individual injury settlement with no lawyer. On the other hand, if you're injured and needed any significant medical treatment, the value of your case rises quickly. This implies the insurance adjuster works to minimize your damages and try to obtain you to simply accept a really low settlement offer—they're in the business of making money, not spending it, after all. In that situation, having a skilled lawyer in your side becomes essential.


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We as a viewing public know a lot about Shia LaBeouf—or at least we think we do. He broke out, of course, as a child actor on the Disney Channel series Even Stevens, and after a couple of scene-stealing supporting roles he proved more than capable of being a leading man with Disturbia. He graduated to franchise frontman with Transformers, but the popularity of that blockbuster series also coincided with public incidents involving altercations, arrests, and rehab.
With Honey Boy, a semi-autobiographical drama that plays out almost like a feature-length therapy session, LaBeouf aims to give audiences some semblance of understanding with regards to his public troubles. LaBeouf wrote the screenplay himself, which plays out in two timelines. In one, Lucas Hedges plays a famous actor named Otis who is going through rehab. In another, A Quiet Place actor Noah Jupe plays the young Otis, who has a starring role on an unspecified kid-centric TV series, and yet when the lights turn off, goes home to a rundown motel where he lives with his abusive father James, played by LaBeouf. What results is a harrowing, violent, emotional film in which LaBeouf is clearly (and admirably) baring his soul. But whether the film works first and foremost as a film, without the "Shia LaBeouf" meta context, is harder to discern.
It's clear from the first frame of Honey Boy that the protagonist Otis is very explicitly a stand-in for LaBeouf, as the film opens with Otis filming a CG-heavy movie riddled with practical explosions. After he crashes his car while driving under the influence, severely injuring his hand (just like LaBeouf did in 2008), Otis is sent to rehab where he's told he has PTSD. Otis has never been to war, so he's flummoxed by the diagnosis. That is, until he's forced to examine his relationship with his father.
The bulk of Honey Boy centers around the young Otis and his father. Otis craves a "good dad" and goes to great lengths to excuse or ignore his father's negligent or abusive behavior. Indeed, the film digs deep into abusive relationships between fathers and sons, of both the verbal and physical kind. 12-year-old Otis is belittled by his father for everything from potentially messing up his glasses to having a "little dick," and their sessions in which they run lines for the next day's scenes play out with the palpable tension of a horror movie—you never know when James is going to snap.
And yet the abusive relationship is peppered with just enough "love" for Otis to hang on to. James, a failed rodeo clown and convicted sex offender, clearly resents not just his son's success but the fact that he's clearly his adolescent son's employee, and so his constant putdowns are transparent—he's attempting to mask his own shame. But of course a child doesn't know this, and Otis works tragically to forge a better bond with his father, enduring putdown after putdown and savoring the brief, backhanded compliments that are few and far between.
In bringing the story to the screen, director Alma Har'el pulls from her documentary background to bring a naturalistic quality to the proceedings. The end result is impressive, as it only makes the harrowing nature of the violence onscreen that much more disturbing and, ultimately, doubles down on the sense of intimacy throughout the film.
Jupe is a revelation as the young Otis here, displaying a wisdom and emotional maturity beyond his years. That's part and parcel with how child actors are forced to grow up too soon, but Jupe's performance is positively heartbreaking. There's a subtlety to Otis' emotions that shines through thanks to Jupe, and he and LaBeouf work incredibly well together as they conjure the film's central relationship.
LaBeouf, meanwhile, is undoubtedly impressive, physically transforming himself into the character of James but also clearly channeling his own father. There's a subtlety to his performance too that prevents the character of James from coming off as a cliché or contrived. Abusive fathers, while despicable, are complex beings, and LaBeouf imbues James with an emotional complexity that only makes the film richer. It's as if LaBeouf is working to understand his own father by acting out disturbing memories from his own life.
Of course, you're also aware in every scene that you're watching LaBeouf play his own father here, and it can at times be a positively surreal experience. Nearly all art is personal, but watching Honey Boy can at times feel intrusive—like we're a witness to an intense and elaborate therapy session. No doubt making Honey Boy was therapeutic for LaBeouf (he began writing the film just out of rehab, a fact that is relayed within Honey Boy itself), and it doesn't ever come to any easy answers or conclusions. It's more about reliving the past to understand just how severe the trauma inflicted on "Otis" was, and how he self-preservation mechanisms that sometimes allow abuse survivors to function can also hinder the path towards healing and recovery, and manifest in their own dangerous ways. I was reminded of how the Oscar-nominated documentary Minding the Gap so accurately chronicled the cycle of abuse.
And yet, the film is very intimate in nature, and afterwards I was left wondering whether it works as a standalone piece without the metatextual layer of LaBeouf recounting his personal experience. I'm not so sure it does—it's an effective and engaging portrayal of abuse, but it's so specific and laser focused on Otis and James that it sometimes lacks a more objective context. Indeed, the film doesn't conclude with a revelation or even a sense of closure. It's clear LaBeouf is still working through his complicated relationship with his father, and Honey Boy is a complicated film.
Those looking for dirt on LaBeouf's onscreen persona or on-set experiences will be disappointed here—there's no Michael Bay, and no specific mention of "Otis's" film work beyond the opening sequence. Curiously, though, adult Otis is seen initially rebuffing therapy precisely because being able to tap into his raw emotional trauma is necessary for his job. It feels like LaBeouf is opening up here, trying to tell audiences that his intense acting methods and offscreen troubles are related to his relationship with his father as a kid—at least in part.
And so we circle back here to the Shia LaBeouf of it all. I've never seen a film quite like Honey Boy. It's not trying to obfuscate the fact that LaBeouf is clearly putting his own life onscreen, but the use of pseudonyms and lack of specifics as it relates to Otis' career underline this as a work of fiction. Perhaps it more accurately fits somewhere between autobiography and therapeutic writing exercise, and it's an undeniably fascinating and harrowing chronicle of abuse. But it can also get lost in the weeds a bit, kind of running in circles until it crescendos into a no doubt truthful but disheartening finale.
Maybe it's even a little unfair to judge Honey Boy as a film. Maybe it's more like witnessing a piece of therapy. Regardless, LaBeouf's work and willingness to bare his soul is admirable, and Honey Boy is ultimately a film of a wholly unique nature.
Rating: B-
For more of our Sundance 2019 coverage, click here or on the links below.


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Be charmed into this exquisite slice of coastal life, where lush palms and tropical forests bloom and glorious beach abound. Enjoy the untouched and unspoiled beauty of Seychelles. With spectacular views of the Indian Ocean and native Takamaka trees, Banyan Tree Seychelles luxury resort is nestled in Intendance Bay, a destination marked for bliss. Take a walk along the beguiling Intendance Bay or soak up archipelago charm within your Creole-style villa.
Recommended Travel Companies from Seychelles
Travel News from Seychelles
- Seychelles Breweries welcomes World Travel Awards to the Ind
- World Travel Awards winners celebrate at Kempinski Seychelle
- World Travel Awards Africa & Indian Ocean Gala Ceremony 2015
- Quito set to welcome sporting elite to Ecuador


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Team of attorneys at law and associates from "Kovacevic///Kolesan" law office helps the clients to achieve determined goals, by providing quality legal assistance, based on ethical and strategic principles.
"Kovacevic///Kolesan" law office was founded by attorneys at law Ana Kolesan and Aleksandar Kovacevic in 2011, with a vision to build a team of extraordinary individuals, who will, by their team work and effort, provide our clients with legal certainty, which we all perceive as an imperative.
Our goal is to enable our clients to obtain all the necessary legal assistance on "one-stop shop" basis, and based on the mutual trust as well, both in Republic of Serbia and region, which we provide by engaging our resources and different partnerships which we have established with individuals and legal entities.
We build a partnership relation with our clients by striving to objectively understand their requirements, and by protecting unreservedly their best interest in each particular situation.
We emphasise that the team of attorneys at law and associates that we have built shares the same life and family values, which represent the basis of our relations towards our clients and our work.
We appreciate INTEGRITY in each part of our work and personal life, and we strive to maintain the highest moral standards in making decisions, acting and communication.
We also appreciate INNOVATIONS and CONTINUOUS IMPROVEMENT, which enables us to grow and develop together with our clients.
We acknowledge TEAM WORK and COOPERATION, and we believe that synergy of extraordinary individuals we have gathered provides our clients with full legal certainty.
We appreciate COMMUNICATION and perceive it as a key in cooperation with clients. We are devoted to timely, responsible and honest communication, with mutual respect both towards clients and members of our team.
We also acknowledge LIABILITY TOWARDS CLIENTS, by:
• striving to provide a new value and satisfy requirements of our clients whenever it is possible;
• attempting to optimize costs necessary to achieve legal certainty, simultaneously meeting all of our clients' requirements; and
• striving to avoid unnecessary charges.
Commitment represents one of three fundamental values we abide by, in addition to reliability and trust. Namely, we are devoted to our career and call, which we perceive as high and responsible profession We are devoted to the clients and their cases, as they gave us the opportunity and entrusted us to protect their interests and rights. We are devoted to the continuous improvement, as it is necessary in order to protect rights and interests of our clients in the best possible manner. In addition, we insist on professional relations with colleagues, clients, courts, administrative authorities and all third parties with whom we contact in providing of legal assistance.
You can reach us on company email or phone any given time.


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Today I decide to use a hire bike to get around and see more of the city than I could on foot, it's quite cheap and gets you a decent work out. These are those 'Barclays' or 'Boris' bikes as they are known in London that you can rent from several bike stations around the city which you can easily drop off at another station.
I first used it to see the rest of Hyde Park which is much, much larger than the Hyde Park we have back at home in Sydney and end up doing three laps for a bit of morning exercise with a view. Next stop was the British Museum; now although I have not been to many museums this was the best of them all on my opinion.
As you walk in to the Great Court, it leaves a statement of how large the place is. I studied Ancient History in high school and so I felt enthralled at having the opportunity to browse the great number of artefacts from antiquity I have only ever seen in textbooks up until now, it contains everything including Ancient Egypt, the Greeks & Romans, and the Dynasties from the Far East.
Also at this time of the year the Wimbledon Championships are on, and the British Summer of Tennis is a quintessential experience. They had many outdoor screens across the city but I wanted the real thing. So I caught the tube down to Wimbledon and although unable to grab a ticket for a game (they sell out months before, you also need to be in a ballot to get a chance to even buy these tickets) I manage to get entry into the grounds.
I spend the beautiful afternoon watching a match on the outside screen with strawberries & cream along with Pimms on the Henman Hill, more recently known as 'Murray Mound' after two-time Grand Slam winner Andy Murray.


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2017 - March
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Take the first step to equip yourself with Skills That Count and find out more about the ISCA Accredited Accounting Technician (ISCA-AAT) Qualification.
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text: CareerDay | EXPO REAL TopicsThe 10 Most Common Questions about Job Interviews 23. November 2017Career Tips from the EXPO REAL CareerDay – Part 2 At the EXPO REAL CareerDay students, graduates and young professionals could once again get profound impressions of occupational fields and career opportunities in the real estate sector on the third day of this year's EXPO REAL. A series of presentations gave insights into recruiting, especially in the property industry. The participants got tips for their application documents, salary negotiations and job interviews. In our three-part blog series we have compiled the most important points for you. Job interviews make many people nervous. But if you are well prepared, there is nothing to be feared. Alexandra Helbig, HR officer of Arina GmbH, answered the most common questions in her presentation at the EXPO REAL CareerDay. 1. What should I wear for the job interview?Find out on the internet how employees of the company present themselves and adapt to this style. If in doubt, the rule is: Better dress up a bit than be too casual.2. Where should I sit down if I am shown into the room first?If possible, sit down on the long side of the table. You should not take the seat at the head of the table.3. Who do I greet first?If you recognize your contact, it is advisable to greet him/her first. Apart from that you can't go wrong with "ladies first".4. How do I convey a positive body language?Do not hide your hands under the table. Take something to write with you and change between a resting position and adequate movement. This shows an interest and attention. Having your legs crossed gives the impression of a barrier. Sit upright with both feet firmly on the ground in order to look unwavering and self-confident.5. How do I answer when asked: "Where do you see yourself in 5 years from now?"Describe your career objectives in the company. There is no room for private objectives or objectives in other companies.6. What should I do in a Skype interview?Ensure a clean and quiet setting. Wear clothes appropriate to the company, as if it was an on-site interview.7. How do I justify poor grades?Honesty is essential. Do not blame teachers or difficult circumstances for your poor grades. Point out that you are better on the practical side than on the theoretical side or that you had not set the right priorities. Show your counterpart that you have learned something from that.8. How do I answer the question about my current application situation?Make it clear that you applied with carefully selected companies, since it should be right for both sides.9. How do I deal with weird questions?"If you were a property, would you be a: a) lighthouse, b) loft, c) houseboat, d) half-timbered house?" The perfect answer? Doesn't exist. There is no right or wrong. Answer whatever you think of first, and explain.10. What should I always bear in mind?Keep the dialog running, don't lose your posture, the right dose of humor and sincerity. Do not play-act, be authentic! Another important point: Check your online profiles before others do. Pictures of the last party night are not meant for your future boss's eyes.Find more tips in Parts 1 and 3 of our blog series: "10 Tips for Your Application" and "How to Be Successful in Salary Negotiations". More articles around the EXPO REAL CareerDay:CareerDay at EXPO REAL Bigger Than EverStudent Housing Asset Class Gaining GroundYoung People in the Industry Want to Make Good MoneyPLANNING & PARTNERSHIPS FORUM 2016: Recruiting in Real EstateEXPO REAL as a Springboard for CareersLeave a Reply Cancel replyYou must be logged in to post a comment. This site uses Akismet to reduce spam. Learn how your comment data is processed.


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Last night LifeDirect's spokesloth, Simon, had an accident live on TV. Unfortunately Simon's no longer with us but we want to make sure he didn't die in vain.
As our insurance comparison website, LifeDirect's, spokesloth Simon has made sure his family are taken care of during this difficult time but a lot of Kiwis aren't so organised. We do a lot of 'she'll be right' thinking which is pretty risky.
We want to make sure Simon's death is used to highlight the importance of insurance cover for life, health and income protection.
Also, part of Simon's life cover is left over - $10,000 in fact, one luck Kiwi is going to get that cash for sharing their memories of Simon. All they need to do is share a memory of their time with Simon on ripsimon.co.nz
As well as that, the last Simon the sloth soft toy is now available on Trade Me with all money going to Land Search and Rescue.
Check out our press release about Simon's death below:
See ya Simon - a sloth's death needn't be in vain
The untimely death of a 'spokesloth' has been the catalyst for insurance comparison website LifeDirect by Trade Me to remind Kiwis of the importance of insurance cover for those 'what if' moments.
Trade Me Head of Insurance Jaime Monaghan said LifeDirect's mascot Simon the sloth had an unfortunate accident live on TV last night: "Simon slipped while hiking and unfortunately he's no longer with us.
"Fortunately he was insured and ready to look after his family. While Simon has gone too soon from our lives, we want to use his death to highlight just how unexpected life can be. It's not much fun to think about, but Simon's life needn't be in vain. He's a timely reminder of the benefits of having the right cover."
There's also a little something in it for Kiwis around the country too - while Simon looked after his family, there's still $10,000 available from his life insurance policy, and anyone who thinks they deserve it can claim on a special commemorative microsite.
Ms Monaghan said that while the death of a fictional sloth could seem a little frivolous, there was an important message behind it. "Kiwis are underinsured and we want to raise awareness of the benefit of life, health and income protection discussions, hopefully in a more engaging and interesting way than traditionally.
"We're known in this part of the world for our 'she'll be right' attitude when it comes to the likes of life insurance, but there's all sorts of research and expert commentary that says New Zealand is lagging behind the rest of the world when it comes to insurance for significant life events.
"Some numbers thrown around indicate that while around 96 per cent of cars and homes in NZ are insured, life insurance, health and income protection sits around 58, 29 and 17 per cent respectively. It's our mission to get Kiwis to think a bit more about the 'what ifs'.
"You do not want, at an already stressful time, to have to worry about money - that's what income protection, life and health insurance are all about. You also don't have to cover absolutely every base either - a small sum is a lot better than nothing at all."
Ms Monaghan said LifeDirect understands these conversations aren't easy. "No one's idea of a good time is sitting around contemplating their death, injury or a serious health issue but sometimes you need to have those conversations.
"We also understand how complex and intimidating the insurance industry can feel - that's why we believe in having an open, honest and clear comparison in front of people. We also have our staff available to talk people through the various differences in policies, and give you all the information you need to make the decision.
"If you've got dependents, a mortgage, or you just want to make sure you're comfortable in the event of the unexpected, then start thinking about it."
Ms Monaghan said there was no 'one size fits all' but generally people would need enough life insurance cover to pay off their debts, and ensure their loved ones have sufficient funds so that they don't have to rush back to work. Other considerations include whether you want to leave funds for kids' schooling, or adventures that you intended to fund from your income.
"Typically we see policies taken out by Kiwis aged 35. We think New Zealanders need to think a bit earlier about what they need to do to look after themselves and their families if the proverbial hits the fan."
A 40-year-old male, non-smoker without any health concerns gets an average of $550,000 of life cover, costing around $500 per year (range is $482-$622). While the average, 40-year-old female LifeDirect customer (non-smoker without health concerns) gets $470,000 of life cover, costing around $400 per year (range is $374- $521).


text: Orthopedic market trends for 2020 Download our ready-to-present slides Resource|February 6, 2020 Want the latest information for your next orthopedics meeting? This ready-to-use presentation contains the Advisory Board's most popular slides on orthopedic market trends, from demand outlook and financial considerations to new care management priorities. Use the slides to frame your next strategy meeting and build a strong foundation for your presentation. Get the Slides Topics Orthopedics , Service Lines , Spine , Planning , Strategy , Strategy Development , Strategy Implementation , Capital Strategy , Capital Planning , Finance , Volume Growth , Service Line Growth , Forecasting Next, Check Out Ready-to-use market trends slides for planners and service line leaders Learn More


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09:45 | 18/12/2015 Society
(VEN) – Suntory Holdings Limited (SHD) Japan and PepsiCo Vietnam (SPVB) in collaboration with project partners and piloted schools reviews the implementation of water education program "Mizuiku – I love clean water" in 2015. The project has been successfully piloted in six primary schools in two Hanoi's districts of My Duc and Thanh Oai with remarkable achievements.
Pupils at Xuy Xa Primary School build a rest room with environment-friendly model
Project outstanding outcome is that it enables over 1,600 elementary pupils to improve their awareness on water saving, protecting and preservation. Such an outcome is highly appraised by participating teachers.
Ms. Le Thi Chinh, teacher at Le Thanh B Primary School, My Duc district commented: "We have observed visible improvements in pupils' awareness such as they know to cherish water and keep their school rest room clean all day. We are also impressed by the project creative hands-on education model of "learning through playing". These perse and fresh activities motivate pupils to learn and actively participate in teaching classes. Our teachers are also inspired by and learn much from Mizuiku pedagogy."
Pupils at Thanh Mai Primary School create posters on water savings and environment protection
In 2015, Mizuiku has efficiently organized 60 water teaching classes with the participation of over 1,600 pupils throughout 120 indoor and outdoor lessons. Apart from teaching classes, the project offers pupils a wide range of practical outdoor activities like 06 Festivals of Clean Water Protector, 12 factory tours to SPVB's plant in Bac Ninh for 600 best pupils, hundreds of works for Writing Contest, Drawing Contest, School Newspaper and 1,500 Dairy Water accompanying pupils during summer holiday.
Having participated the project ever since its launch in March 2015, Do Minh Phu, pupil at Grade 4A, Do Dong Primary School, Thanh Oai district said: "Previously I just know the existence of fresh water for drinking and salty water from the sea. Now I understand more about water resources in the nature and water can be exhausted. We need to save and protect water resources to have clean water for good health."
Pupils classify organic and inorganic garbage
In addition to teaching classes, Mizuiku 2015 also surveyed and deployed the renovation of school infrastructures, school rest rooms: Donating 04 RO water purification systems, building 02 rest rooms with high-quality and modern materials, renovating 04 rest rooms in accordance with environment-friendly model. These donations were finished during the summer of 2015 so that teachers and pupils at piloted schools are provided with certified clean drinking water prior to the beginning of school year 2015 – 2016.
In light of its practicality and positive impacts, the project was encouraged to expand scale by local authorities. Mr. Pham Trung Anh, Deputy Manager of Thanh Oai Department of Education and Training commented: "Clean water is an issue that has not been completely solved in our locality. I believe that after participating Mizuiku, pupils' and teachers' awareness has been substantially improved, resulting in their environment-protecting actions. The project has well performed its sustainable goal – improving pupils' water awareness and short-term goal – ensuring clean drinking water for pupils. I hope that the project will be deployed on a large scale because it will generate long-term benefits to future generations."
Pupils eagerly speak in a class of the project "Mizuiku – I love clean water"
Regarding project efficiency in 2015, Mr. Takenobu Shiina, Senior general manager, Planning Department, Corporate Communication Division of Suntory Holdings Limited reviewed: "We are happy about encouraging outcomes of "Mizuiku – I love clean water" in 2015. These fruitful piloting outcomes serve as a premise for us to expand project scale in upcoming time. We planned to expand Mizuiku to primary schools in the south of Vietnam in 2016, which is not only beneficial to local communities but also a manifestation of our corporate responsibility as an enterprise heavily relying on natural water resources".
Mizuiku is a water education program that has been successfully deployed in Japan since 2004 by Suntory Group with the participation of over 100.000 pupils and parents in Japan.
Vietnam is the first country other than Japan having this project developed. The project is funded by Suntory Holdings Limited (SHD) Japan and deployed by Suntory PepsiCo Vietnam Beverage (SPVB) in coordination with local authorities, piloted schools and Live and Learn.
Theo ven.vn


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Mangaluru, Jun 07, 2019 : In a shocking incident a girl found dead at home in Attavar on June 07, Friday.
Anjana Vasista(22) daughter of Manjunatha Y N of Chikkamagaluru is identified as the deceased. She was a student and was staying as a paying guest in Attavar.
Investigations revealed that Anjana had completed her MSc degree Ujire and had come here to attend banking examination training held at a coaching centre on June 2. She was accompanied a man known to her, falsely claimed themselves to be a couple were staying at paying guest accommodation in Attavar.
She had returned to her native place after her exams. As her companion contacted her over phone and convinced her to come back, she return back on Friday and was found dead the same evening. She was strangled to death using a television cable wire. Later, he locked the door from outside and fled from spot is suspected. The maid got suspicion as the door of the room in which they stayed was not opened the whole day informed the matter to the land lord. When they broke opened the door it was found that the girl was murdered.
The matter came to light that Anjana's family was proceeding of fixing her alliance with someone else. Rs15,000 was withdrawn by Anjana's debit card from two ATMs on Friday, June 7. Police is looking for the man who could behind the murder.
The reason behind the death is yet to ascertain. Investigations are underway.
|Comments on this Article
|Bhavyasanthosh, Ujire
|Sat, June-8-2019, 1:08
|Th girl herself is responsible for this situation. How did she become close to a guy keeping it confidential with the family. RIP
|Shivani Kumari, mangalore
|Sat, June-8-2019, 1:05
|How sad the young girl been murdered?


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2005 Buick Rendezvous Reviews
2005 Rendezvous New Car Test Drive
The Buick Rendezvous is easy to like, with solid engineering, useful flexibility, and a handsome appearance. Rendezvous is what the industry calls a crossover vehicle. It blurs the lines between sport utilities, minivans, luxury sedans, and station wagons. It carries people more efficiently than an SUV, and it drives more like a minivan than a truck.
Rendezvous seats five passengers, or seven with the optional third-row seats. Its seats are roomy and comfortable and the interior is elegantly designed. The controls feature big knobs and are easy to operate.
The new Rendezvous Ultra is luxurious with elegant leather and wood trim. It's roomier and can carry more cargo than a Lexus RX 330, the archetype of luxury crossovers. Though not as quiet as a luxury sedan, the Rendezvous rides better than most SUVs. All-wheel drive is available, improving traction and handling in slippery conditions.
New for 2005 is a passenger-sensing system for the right front seat, which turns off the corresponding airbag if it detects a small-size occupant, or no occupant at all, thereby avoiding possibly injuries to a child or small adult and/or an unnecessary replacement of the airbag. A status indicator on the instrument panel tells occupants if the airbag is on or off. Even with this feature, however, the second or third row is the safest seating position for a child.
Rendezvous is offered in a variety of trim levels: CX, CX Plus, CXL, CXL Plus, and Ultra. For 2005, all models are available with front-wheel drive (FWD) or all-wheel drive (AWD). All come with an automatic transmission, four-wheel independent suspension, and four-wheel disc brakes.
A 185-horsepower, 3.4-liter V6 with an iron block and pushrod overhead valves is standard on all but Ultra. A 242-horsepower, all-aluminum 3.6-liter V6 with dual overhead camshafts (DOHC) and variable valve timing (VVT) is standard on Ultra and optional ($2,025) on CXL and CXL Plus.
The Rendezvous CX ($26,585) comes standard with cruise control, remote keyless entry, PASS-Key III theft-deterrent system, AM/FM/CD stereo, power outlets for all three seating rows, and P215/70R16 all-season tires on steel wheels. CX AWD ($29,775) adds the all-wheel-drive system plus anti-lock brakes (ABS) and side-impact airbags.
The CX Plus ($28,315) adds OnStar, driver's information center, ultrasonic rear parking assist, manual dual-zone air conditioning and 225/60R17 all-season radials on 17-inch aluminum wheels. The all-wheel-drive CX Plus AWD ($31,525) also gets side-impact airbags and ABS, though the front-drive CX Plus does not.
CXL FWD ($30,785) and CXL AWD ($32,850) add leather upholstery; six-way power seats; automatic dual-zone air conditioning; heated mirrors; premium eight-speaker AM/FM/CD/cassette stereo with steering-wheel-mounted controls, separate rear-seat audio controls and headphone jacks; woodgrain interior trim including wood accents on steering wheel; content theft alarm; tire inflation monitor; and unique exterior trim. Both models come standard with side-impact airbags and ABS. The front-drive CXL FWD comes with traction control.
CXL Plus ($32,045) and CXL Plus AWD ($34,110) add heated front seats, a memory function for the driver's seat and mirrors, a folding third-row seat (increasing seating capacity from five to seven), and XM Satellite Radio.
Ultra FWD ($36,025) and Ultra AWD ($38,090) come with all of the above, plus the more powerful 3.6-liter V6, leather seats with suede inserts, second-row captain's chairs, six-disc CD changer, head-up instrument display, an electronic release for the rear liftgate, and P225/60R17 touring tires.
Nearly all of the features that come with the higher-line models are available as stand-alone options. On models that don't come standard with them, we recommend adding side-impact airbags ($350), anti-lock brakes ($600), and traction control ($175) for their safety benefits. A power sunroof ($800) is available. The DVD rear-seat entertainment package ($1,295) includes a fold-down seven-inch monitor integrated into the ceiling, so you can't have both the sunroof and DVD. Multi-media sound with touch-screen navigation ($1,600-$1,995) is available on CXL, CXL Plus, and Ultra. A towing package ($395) is offered on all but the base CX, and includes a high-output alternator, transmission oil cooler, heavy-duty engine cooling and automatic load leveling. This package boosts towing capacity to 3500 pounds.


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In description, A Faithful Man sounds like quite a rich brew, but it is actually more of an exercise than anything else, a chance to play a kind of cinematic shell game with four main characters who are never quite what they seem.
A Faithful Man seems to be content playfully ruminating on how matters of the heart consume people — and how, sometimes, pursuing someone can be more fulfilling than actually possessing them.
A Faithful Man shows that Garrel has promise as a filmmaker, with a knack for directing actors and a welcome sense of Gallic wit. And as a performer himself, he remains a likeable and sometimes intense screen presence.