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Jupiter in Scorpio is imminent. The times and more nuanced takes are in the Horoscopes already but know this: Just because the Galaxy King was in Scorpio 12 years ago (2005-2006) don't imagine that this astral passage is a run of the mill thing.
For a start, every 12 years is still a relatively slow cycle and the last time around, Jupiter in Scorpio was not supported by Neptune in Pisces. Jupiter and Neptune are the co-rulers of Pisces; this set-up strengthens both of them.
Jupiter in Scorpio is also going to aspect Pluto – ruler of Scorpio. It's going to be rad and we will be talking a lot about this in the upcoming Horoscopes, Daily Mystic and all.
Jupiter, Neptune, Pisceans, Scorpios, Pluto people, the partsof your birth chart where you have Pisces and Scorpio, art, sex, power and magic – all trending UP. Quadruple your precautions against Lower Neptune zombie, druggie or delusional lures, obviously. This is not the time to get caught in Neptune's strong undertow.
Pluto is STILL in Capricorn, Saturn is nearly there and Uranus is whizzing into Taurus – the Earth Vibe intensifies and so do the challenges of the economy, incompetent leaders and old-era biz-government structures that need a rebuild – we can't go running off into the woods to make potions, seek our truth, commune with animal guides and opt out of the Zeitgeist. But we CAN deploy Magical Thinking to remain rad through weird times.
Image: Giampaolo Sgura


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DescriptionPure Green's focus is to make it easy to live a healthy lifestyle. Our philosophy is that everyone should experience sustained energy throughout the day. Starting your day with our handcrafted smoothies will restore your energy and recharge your life.Claims
Blue Royale Smoothie is made from:
- Blueberries
- Acai
- Almond butter
- Coconut
- Agave
- Almond milk
(from Pure Green)
- Gluten Free
- Non GMO
- Nutrition
- Contains Almonds
- Contains Tree Nuts
Blueberries, Almond Butter, Coconut, Agave, Almond milk.
Manufactured In A Facility That Handles Tree Nuts
Pure Green Blue Royale Smoothie, Plastic Bottle
Availability Note
Item is temporarily unavailable.

subset: commoncrawl


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As much as we'd like to, we can't always maintain a state of balance. Stress sometimes gets the best of us and life can come down hard. When this happens to you, how do you bring yourself back into balance?
I know what I do and let me tell you I am vigilant. Yes, I am busy and yes, stress rocks the boat when I'm not watching, but instead of going crazy eights, I have learned to follow a specific regimen to calm the seas. And I have to say, my life is pretty stable. Other peeps not so much, like my friend Penelope.
So, Penelope is a single mom with three sons. They are four, seven and eleven-years-old. Can you imagine, three boys under the age of twelve? I have daughters and I don't know what it's like to raise boys, but I can imagine Penelope must live a super busy life.
Monday through Friday, she wakes up an hour before the boys so she can make coffee and check her email before herding them to school and getting to her job at a café a few blocks from her house. Penelope describes that hour as decadent. But is it worth giving up an extra hour of sleep?
Penelope says YES.
What do you do when your life spins out of control? How do you bring balance back into your life? Here are a few ideas that work for me.
Get Your Rest
If you snuggle under a blanket watching The Late Show when you know you have to be up at six am, you might not be putting yourself in the best position to navigate the day. Let your mind and body rest.
Eat Healthy
Okay, so I am vegan, which I absolutely love. Other than dipping into a bag of BBQ potato chips now and then I don't eat much processed food either. But you don't have to be vegan to eat a healthy diet.
Buy organic and prepare as much of your food as possible. Avoid visiting restaurants that may not use healthy cooking practices. Ever go to a brunch and order an omelet? Just watch how much oil they use to cook your "healthy" omelet. Sometimes it's two or three tablespoons – at 100 calories per! Not good.
Use Essential Oils
Using essential oils turned my life around. At one point I was sick and stressed and super unhappy. I began using essential oils and changes came in a very short time.
So now I start my day with oils and end my day with oils. They help me to stay balanced and when life kicks my butt, they help me get back on course.
Hey, there are things you can change and things you can't, but these three ideas can help you maintain balance and when you drift out to sea, they'll help reel you back in.
Bring yourself back into balance with these 3 tips. @hayleyhobson (Click to Tweet!)
Hayley Hobson is an author, speaker, Kick-A$$ Business Guru, 7 Figure MOM-treprenuer. and passionate about empowering others to live the life of their dreams and is based in Boulder, CO. Hayley creates lifestyle transformations by coaching her clients to become the best WHOLE version of themselves possible. To learn more about her nutritional courses, events, and custom programs, visit hayleyhobson.com or follow her on Facebook or Twitter.


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Il Bisonte Designer Cowhide Mens Dual Flap Billfold Wallet Vintage Cognac $240
REDUCED Il BISONTE SOFT Vintage COGNAC DESIGNER SLIM WALLET. Compact & Thin 100% Italian Cowhide Antique Cognac Leather Bifold Wallet With Loads of Storage for multiple credit cards, coin/receipts pouch and large bills section thats Very compact.
Presented in a Il Bisonte gift-pouch and gift-box. This wallet are personally and perfectly hand crafted in Florence Italy and over time develops a highly desirable patina look and will lasts for many Generations too! The item "Il Bisonte Designer Cowhide Mens Dual Flap Billfold Wallet Vintage Cognac $240" is in sale since Monday, February 05, 2018. This item is in the category "Clothing, Shoes & Accessories\Men's Accessories\Wallets". The seller is "winning4all" and is located in Miami Beach, Florida.This item can be shipped to United States.
- Brand: Il Bisonte Wallet
- Style: Bifold Coin Wallet
- Color: Antique Vintage Cognac/Caramel
- Features: One larger pocket for cash/coins/receipts
- Country/Region of Manufacture: Italy
- Material: 100% Soft Vintage look Cowhide Leather
- Theme: Foldable Thin Wallet & Card & Coins Holder


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Will Users In a Ring Group Receive Voicemail Notification Emails?
Applies To
- Account Manager and Configuration Manager Ring Groups
This feature is disabled by default and will need to be enabled by 8x8, if it is not enabled please raise a case with 8x8 to enable this feature.
Delivery of voicemail notifications to Ring Group members allowed to receive Ring Group voicemail is determined within the setup of each individual extension.
- To amend these settings for Account Manager customers see here.
- To amend these settings for Configuration Manager customers, see here.


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10 years ago we said goodbye to Nick, our firstborn son, our miracle, and one of the pure lights in our lives. It seems like a lifetime ago, it feels like yesterday.
There are moments of clarity from that day and thankfully blankness. The mind isn't meant to hold so much trauma. I want to remember the essence of Nick, the beauty of him inside and out, the pure joy he had in making others laugh, and the compassion and love he showed others.
I have learned that no matter where I go, here I am. The pain of losing my child has ebbed and flowed over the years. It's been a tsunami threatening to wrench my hands from the last tree limb and destroy me. I have often wanted to let go. But I have managed to hold on, so that the floating waves calm me into thinking the worst is over.
Losing a child is never over. I don't care what the circumstances. Mine happened to be from cancer, which catapulted me into a mission to help others through Nick's Fight and my writing. I have ridden the storm for 10 years, and I wish I could tell the parents who just lost their child that the pain will end, that the hole in your heart will seal, and you can live the life you expected.
The pain doesn't end. That hole sometimes collapses into a crater. It can slowly fill in, but never completely.
As I sit here thinking about my boys-one too far away for me to ever hold and the other a quick drive away, I understand that life isn't what I expected. Life just is. It ebbs and flows in its own path.
It's up to me how I'm going to ride it. Sometimes I fall real hard, and it's tough to get up. That is where family, friends, and knowing my purpose get me back on my feet. That's the constant. They are always there no matter what happens, no matter how I show up-flat on my face or standing tall.
They showed me that no matter where I am, there is hope. Riding this storm of grief, I know this down to my core.
As I tumble through the undercurrent of my grief today, I have some special people reaching in to pull me out. I am grateful.
I love my boys more than life. They are my life. I would do anything for them. Right now the best I can do is live my own life true to me, so they will do the same for themselves.
No matter where I am, there is hope. Thinking of my boy today. Love them both with all my heart.


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Dear Forum,
We are designing a new sterile facility, where micro lab will have a sterile
room class B/A to perform sterility test, acceded from pass box. Regarding
the rest of the laboratory where we are going to do normal micro operations
(MLT in a laminar hood, medium preparation, autoclave, etc), is it supposed
to be class C? or would it be acceptable to have class D, considering
double-pass box (B-C)to the entry sterile room?
Exactly what is concerning me is number of particulates in operation for
this area.
Your comments are highly appreciated!
Lab. Clausen
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The nature of this service is to provide a medium for communication. The specific statements and endorsements of individuals participating in the discussions are not necessarily those of The Microbiology Network, Inc., the PMF, or the sponsors of the list.


text: When you reach the age of 30, whether you like it or not, you have to take extra effort in taking care of your skin. In my case, I don't like it because I am so lazy doing all those daily beauty routine. I am just lucky to have good genes that requires me minimal maintenance just so I can keep my face and body clean and fresh. But it came to a point when I realized I needed a moisturizer with UV protection, same with body lotion. Glad that I found out about The Body Shop's Vit C collection. I have always loved Body Shop products… from lip balm, moisturizer and face powder to body wash and scrub, I've trusted their product for years. In this case with Vit C, I have started using their facial moisturizer with UV protection, facial cleansing polish, microdermabrasion (exfoliation) and radiance capsule (sort of a night cream). They're a big leap already from my usual daily routine but as I've said… I'm not getting any younger.


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"Tender is the Night"
National Museum of Emerging Science and Innovation
This event has ended.
The starry sky as seen from various districts on Earth, the sounds that can be heard within those regions, along with words of poetry that describe the night in these various areas will be presented through the planetarium program which makes visitors aware of their existence on this vast Earth.
The starry sky will be accented with environmental sounds such as the noises of unspoiled nature, people, music, and sounds of wild life as we travel to the diverse areas of Asia, Europe, Africa, South America, North America and Australia from the starry sky of Tokyo. The poetry written by Mr. Shuntaro Tanikawa, the organizer of this program, will link each area. Ms. Kumiko Aso, who is widely known as a film actress, will be mistress of ceremonies for the recitation. In the darkness, the starry sky, sounds and poetry will expand the viewer's imagination.
It is a planetarium presentation, and is comparable to a series of poems that will stay within the hearts of children and adults.
See website for full details on screening schedule.
[Image: copyright Rinko Kawauchi]
From 2009-07-18 To 2009-11-30


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Our asset management division is singularly focused on enhancing the value of our clients' real estate investments through our systematically proactive processes. We are independently branded and offer turnkey asset management of commercial real estate, including retail, office, flex, industrial, multi-family, mixed-use, and hospitality assets. By leveraging our proven proprietary systems and methodologies, we are to operate assets at maximum efficiency, balance quality service levels and operating costs, grow asset value, ultimately delivering desired outcomes/returns for your asset or portfolio.
We accomplish this by remaining owner-focused with keen attention to detail and the development of specific solutions through the real estate asset management life-cycle. We have a leading systematic operating platform and offer an outsourced model.


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From the makers of Genuine Swiss Army Knife. Mens Wenger Black Dial Commando Military. ETA Swiss quartz movement accurate to 1/10 of a second per day. Large Black dial with Black subs (35mm).
Precise jewel Swiss Quartz Movement. Solid link stainless Band (21mm). Date display at 4 O'clock. Luminous hands, numbers and hour markings.
Water resistant up to 100 meters. Wenger Swiss Cross Hallmark is on the clasp lock. Pre owned Excellent running condition, back of casing and buckle has surface scratches from wear. Add a map to your own listings.The item "Wenger Swiss Army Knife XL Commando Chronograph Date Watch 7089X Black Face" is in sale since Friday, September 15, 2017. This item is in the category "Jewelry & Watches\Watches, Parts & Accessories\Wristwatches". The seller is "atlanticcityjewelers" and is located in Waretown, New Jersey. This item can be shipped to United States, Canada, United Kingdom, Denmark, Romania, Slovakia, Bulgaria, Czech republic, Finland, Hungary, Latvia, Lithuania, Malta, Estonia, Australia, Greece, Portugal, Cyprus, Slovenia, Japan, Sweden, South Korea, Indonesia, Taiwan, Thailand, Belgium, France, Hong Kong, Ireland, Netherlands, Poland, Spain, Italy, Germany, Austria, Russian federation, Israel, Mexico, New Zealand, Philippines, Singapore, Norway, Saudi arabia, Ukraine, United arab emirates, Qatar, Kuwait, Bahrain, Croatia, Malaysia, Chile, Colombia, Costa rica, Panama, Trinidad and tobago, Guatemala, El salvador, Honduras, Jamaica, Antigua and barbuda, Aruba, Belize, Dominica, Grenada, Saint kitts and nevis, Saint lucia, Montserrat, Turks and caicos islands, Barbados, Bangladesh, Bermuda, Brunei darussalam, Bolivia, Ecuador, Egypt, French guiana, Guernsey, Gibraltar, Guadeloupe, Iceland, Jersey, Jordan, Cambodia, Cayman islands, Liechtenstein, Sri lanka, Luxembourg, Monaco, Macao, Martinique, Maldives, Nicaragua, Oman, Pakistan, Paraguay, Reunion.


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Podcasts/ 4 years ago
Triple Threat Episode 6: Previewing Absolution XI
Elijah Mooneyham and Payton Vince talk with AIW referee Dave Dawson about Absolution XI.
Podcasts/ 4 years ago
Triple Threat Episode 5: WWE Draft Recap and WWE Battleground Preview
Elijah Mooneyham, Vince McKee, and Payton Vince break down the WWE Draft and Battleground this Sunday.
Mat Insiders: WWE Releases Rules for Tuesday's Draft on SmackDown Live
If there's one interesting aspect of the WWE right now, it's how this upcoming draft is going to play out on...
Top 3 Competitors To Watch For in the WWE Cruiserweight Classic
WWE has brought back the Cruiserweight Division…sort of. Mostly everyone in this tournament, outside of Tajiri and Brian Kendrick, are known...
Triple Threat Episode 4: Dean Ambrose New WWE Champion
https://soundcloud.com/user-941023495/triple-threat-podcast-7-5-16 Eli Mooneyham, Vince McKee, and Payton Vince recap the State of the WWE.
Former TNA Champion Bobby Roode Makes a Surprise Debut in NXT
Wrestling fans all over have anticipated it…and now it has happened. Following the trend from previous TNA wrestlers, Bobby Roode has...
Breaking Down Barriers 6 Recap: Huge Moments Highlight The Night!
There were very big moments during Mega Championship Wrestling's Breaking Down Barriers 6. Whether it was an arrival of a new...
Boxing/ 4 years ago
8 possible men who can buy the UFC
LAS VEGAS, Nevada – With rumors running rampant that the UFC is up for sale for close to Four Billion dollars,...
5 reasons the WWE Women's Division is Back and Better!
TAMPA, Florida – In the late 90's and early 2000's no one would argue that Womens Wrestling was at its best....
NEO Roundtable discusses Payback Main Event!
CHICAGO, Illinois – It has been a few hours of reflection since the main event last night of WWE Payback and...


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Bankim Chandra Chattopadhyay – a figure of international proportions. One of those men who have that ability to single-handedly change history. His praise for his mother and land gave birth to Vande Mataram and power of thousands to stand up for freedom.
We most lovingly remember Bankim Chandra as the teller of great tales. An extremely popular writer, he redefined the trend of literature of his time. Many of his stories have been made into plays and films. Even today one-and-a-half-century later, his stories appeal to us. His heroines and heroes are so impactful that they kind of evolve us.
Here are the stories of Bankim Chandra Chattopadhyay that have been made into films. If you know anymore, please let us all know.
Who hasn't read or seen Kapalkundala and wondered about the chilling tale – isolated jungles, scary storms and the creepy Tantrik?
Kapalkundala is perhaps Bankim Chandra's most celebrated story. The story has been translated to seven languages at least – English, Hindi, Tamil, Telegu, Gujarati, German and also Sanskrit.
In Bengali cinema, there have been four films made on Kapakundala – 1929 & 1933 both starring Durgadas Banerjee, then 1952 and in 1981. Even today, Kapalkundala's chilling story is unparalleled.
Durgesh Nandini
History, love triangle and war. A perfect plot and a one of a kind story. Durgesh Nandini was the first novel written by Bankim Chandra. It also got translated into numerous languages.
Durgesh Nandini was made into a Hindi film in 1956.
In Bengali, the first film was released in 1927 starring Durgadas Bannerjee, Kanu Bannerjee, Ahindra Choudhury and Indira Devi. Again it was in 1951 Manoranjan Bhattacharya, Chhabi Biswas, Bharati Devi, Chandrabati Devi and Kamal Mitra.
Anandamath is a landmark – in literature and in our cultural history. Anandmath was a mirror that reflected the true sentiment of the Indian freedom fighters and goes quite deeper than that. The story goes layers and layers deep. Historically it gave Indians our heartfelt Vande Mataram, and the power of this word energized many pure souls.
This story was made into a Bengali film in 1951 by Satish Dasgupta and then into a Hindi film in 1952 directed by Hemen Gupta.
Another heart touching story of love and treachery by Bankim Chandra. It was made into a film in 1978 starring Ranjit Mullick, Sumitra Mukherjee, Dipankar Dey, Sonali Gupta, Kajal Gupta, Geeta Dey and Chhaya Debi.
Krishnakanter Will
Bankim Chandra explored a different dimension in Krishnakanter Will. It was a different kind of a story than Kapalkundala or Durgesh Nandini. This story was one of greed and vice of the human mind.
Krishnakanter Will was first adapted as a successful film in 1932 starring Ahindra Choudhury, Santi Gupta, Nirmalendu Lahiri and Shishubala. Another film adaptation was made in 2007 staring Soumitra Chatterjee.
Devi Chaudhurani
What does one simple village girl do when she has been deserted by all because she is poor? One would think of a piteous life ahead, but if your pure and strong, life will have something up for you. Like in the case of Prafulla, she became the most well known robber-cum-samaritan. This story hits hard the society that has plummeted so low on its morality that there is no place for the less privileged.
Devi Chaudhurani is one of the most memorable and loved stories of Bankim Chandra. Just as amazingly, Suchitra Sen brought this character to life in 1974. Along with Basanta Choudhury, Suchitra Sen simply dazzled as Devi Chaudhurani.
Image credits: Wikipedia


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Our returning troops are coming back to one of the worst employment environments in decades. After giving so much for our country, we can show our gratitude by providing them a good job. In addition to "doing the right thing", employers will find a variety of federal and possible state hiring tax credits ranging from $4,500 to $13,000 per veteran hired.
Read more how veterans can use these programs to improve their job prospects and how employers can save tens of thousands of dollars annually:
Download Veteran-Employer Tax Breaks REVISED for 2009 Recovery Act
Download NTCG Tax Credit Card Press Release 11.12.2007
Jobless rate for recent military veterans rises – CNN.com
www.ntcgtax.com Check out our Tax Credit Card
Tags: Enterprise Zone, hcvt, hiring tax credits, ntcg, tax credit cards, Tax Credits, unemployment, us vets, Veterans, wotc


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The Academy of Notre Dame de Namur, an independent Catholic school for girls located in Villanova, Pennsylvania, seeks a part-time Mathematics teacher, beginning in August 2020. The ideal candidate is a dynamic and student-centered individual versed in current trends and emerging ideas in education. This candidate will inspire students to learn mathematics, be enthusiastic about faith-based girls' education, have a familiarity with instructional technology, and enjoy working within a team setting of shared ideas and constructive feedback. He or she should be passionate about teaching mathematics and be able to relate concepts and principles to students' everyday lives. He or she must be a team player with initiative, good judgment, and solid problem-solving and communication skills.
The Mathematics teacher:
Interested candidates should send a resume and cover letter, along with three professional references to Dr. Liz Willis, Associate Head of School, at firstname.lastname@example.com.
© Copyright 2018, Philadelphia Area Independent School Business Officers Association


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A perfect all day underwear for comfort without compression and a fun design, the other characteristics are:
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Hipster Push-up is a low front square cut boxer-briefs with narrow waist band. Its front anatomical pouch gently uplifts masculine anatomy without crushing or compressing, giving you complete sense of freedom and comfort. The side seams, back seams are completely eliminated making the underwear quite agreeable to wear. A special micro-brushed microfiber fabric for extra soft feel.
|86% polyester, 14% Lycra
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According to Nielsen Online, 79% of US consumers have made an online purchase in the last 6 months.
I went digging back on Taming the Beast.net for reports from older studies just to see what sorts of increases have occurred.
The closest set of stats I could find easily were from 2005, where 37% said they intended to shop for *holiday gifts* online that year – a time when it's most likely people will purchase online. It's quite an increase.
So, what have are people buying? According to Nielsen Online, the popular items/services are:
Online Travel – Any 38% 54,417
Clothes/Shoes/Acc. – Any 28% 40,075
Books – 26%
Hotel/Motel Reservations 18%
Auctions – 16%
Event Tickets – 14%
Insurance – 11%
Computer Software – 11%
While the economy may be in bad shape, the sheer numbers of people joining the ranks of online shoppers helps to soften the Wall Street blows a little – in my opinion, now more than ever it's preferable to be in online business over having a bricks and mortar store.
But just because people are out and about buying from the web, it doesn't mean it's like shooting fish in a barrel – it's quite the opposite. Consumers are (thankfully) becoming increasingly savvy when it comes to online purchases – it doesn't take much to scare them off your site and send them packing to your competitors. And with so many competitors now out here, how do you differentiate your store among all others?
Pick up some tips for converting more visitors into customers:
Reducing shopping cart abandonment
Creating effective landing pages


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Introduction: Makedo Shadow Puppet Theatre
May the torch be with you this Earth Hour.
Earth Hour 2012 is on Saturday 31st March at 8.30pm. Makedo are turning off the lights and joining the hundreds of millions of people, businesses and governments around the world uniting to support the largest environmental event in history.
This year, we're doing it Star Wars style with a lights out activity!
Travel to a galaxy far, far away with this very cool R2D2 Shadow Puppet Theatre. Turn out the lights and cross over to the dark side with Darth Vader, play out a lightsaber battle or seek out Yoda to begin Jedi training… all in an effort to restore balance as we switch off the lights for Earth Hour on March 31st.
Will you join us into the dark side this Earth Hour?
Follow through these easy step-by-step instructions to make your very own Shadow Puppet Theatre with character cut outs, designed by our Australian Master Maker Jenny Kan using Makedo parts available from mymakedo.com. Printable PDF download is available in Step 9.
Not a Star Wars fan? You can design your theatre and puppets to any shape or theme. How about entertaining your family with a Batman, Pokemon or even Dora the Explorer rendition? When the lights go out, the only limits are your imagination.
Whatever you choose, don't forget to share your Earth Hour adventures with us and upload your creation to our Maker of the Month competition.
Step 1: Saw
To create the form of R2D2, use the Makedo Safe-saw and cut a semicircle on the front and back flaps of the box.
The side flaps of the box won't be used in this project so they can be removed.
Step 2: Punch
For the stage of the theatre, cut a rectangular window on the front of the box with a split in the middle. This will become the doors that open during puppet performances. Cut the swinging door and lock it open using Makedo Hinges, Re-pins and Re-clips.
Step 3: Saw & Connect
Create R2D2's eye lens by cutting a circular window in the top section.
Connect transparent paper internally to cover the cut out window and eye lens using Makedo Re-pins and Re-clips. We have used baking paper to cover the windows which works a treat.
Step 4: Punch & Connect
To cap off the head of R2D2, connect a piece of cardboard using Makedo Re-pins and Re-clips to either side of the box. The cardboard should curve and sit over the semicircle.
Step 5: Saw
To create a backstage for the theatre, simply cut out a rectangle on the rear of the box. This is where the performer will control the puppets from. Cut out a circle above your rectangle window. We will place the flashlight here in the final step.
Step 6: Punch & Connect
Now to decorate your creation! To make legs for R2D2, Use the Makedo Safe-saw and punch a hole on the side of the CD container. Connect the postal tube to the CD container with a Makedo Re-pin and Re-clip. Connect the paper pulp tray to the postal tube to create the foot.
Step 7: Connect
Attach a leg to each side of your R2D2 Puppet Theatre.
Step 8: Sketch
Here is the fun part! Decorate the front of R2D2 to give him that distinctive droid look. You can also decorate R2D2 using other reclaimed materials, attaching them to his body.
Step 9: Cut
Finally, cut characters out of thick card using the supplied template. Connect them to a drinking straw with Makedo Re-pins and Re-clips.
Now you are ready for your first show! Place a flashlight in the hole at the back and project onto the baking paper to begin your Shadow Puppet Show.
Instructions and character template are available to download in printable PDF format.
Don't forget to upload and share your Makedo creation.
May the Torch be with you for Earth Hour 2012.
Be the First to Share
3 Discussions
I wonder if they can be used where the base is a triforce......
I love it, it's so creative!
Thanks mikeasaurus! Any other shadow puppet theme suggestions welcome!


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Our advice
This text can be edited at Content Manager -> Free Content 2 in the backend.


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With the blessing of the Spanish environment ministry, wind turbine supplier Gamesa Eólica is proceeding with plans to build a 164 MW wind farm in the La Ventosa region of Oaxaca state in Mexico. The new facility will be in addition to Gamesa's 200 MW wind plant already under construction in the region. Both are being developed under the Kyoto Protocol's Clean Development Mechanism, under which the carbon credits generated by the plants will be sold back to the Spanish government- -- hence the need for the environment ministry's approval. Each credit is equivalent to one tonne of carbon dioxide (CO2) emissions saved. The 200 MW plant, the largest wind operation in Mexico, is expected to save 300,000 tonnes of CO2 a year alone. Gamesa Eólica says it also hopes to establish similar wind developments in other Latin American countries including Brazil, Dominican Republic and Uruguay.
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If you want to send us a question about this product, simply complete all the fields marked * and click "Send".
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The Sims 2I was asked via e-mail why I didn't put The Sims 2 on the Anticipation List. That's certainly the one big game that I left off the list, and I'd like to get excited about it, but I just can't. I thought The Sims was great for about ten hours or so, but as my character settled down into the humdrum repetition of real life, I suddenly realized that I was playing a discouragement simulator.
That's too bad, because I really like Will Wright. He's one of the few people I'd call a visionary designer. I saw him at E3 once, and mumbled a few words of thanks for the entertainment he'd given me over the years. No rock-star hair, no entourage, just a quiet guy who looked like he would have been more comfortable not being recognized at all. If I had known, I never would have bothered him, but I think it made me identify even more strongly with him.
So I'll buy The Sims 2, out of respect, and I'm sure I'll enjoy it for a few hours, but at some point I think my interest will fall off a cliff, just like it did with the first game.


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- Reduced price
Set Ayam Penyet @ Ayam Penyet Express Sunway Pyramid
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Sexual rehab could have benefits for men with heart disease
- A sexual rehabilitatiοn prοgram cοuld help with erectile dysfunctiοn in men who have heart disease, a study frοm Denmark suggests.
Men assigned to the rehabilitatiοn prοgram had imprοved erectile functiοn and better exercise capacity after 16 weeks cοmpared to those who just gοt usual medical care, the study team repοrts in the journal Heart.
"Sexual prοblems have a prοfοund negative impact οn several aspects such as quality of life, general wellbeing, relatiοnship prοblems and psychological outcοmes such as depressiοn and anxiety," said lead study authοr Pernille Palm of Copenhagen University Hospital Rigshospitalet.
Fοr some cardiovascular issues such as ischemic heart disease, erectile dysfunctiοn is a prοblem in up to 80 percent of men, she said.
"Patients hesitate to seek help because it's still a tabοo," Palm told Reuters Health by email. "They want health prοfessiοnals to address the topic, but health prοfessiοnals in general dοn't feel they have the cοmpetence οr cοrrect interventiοn to offer."
In the CopenHeart trial, Palm and cοlleagues randomly assigned 154 men either to just cοntinue with their nοrmal outpatient fοllow-up visits οr to also take part in a 12-week sexual rehabilitatiοn prοgram that included physical exercise and psychoeducatiοn arοund sexual health and dysfunctiοn.
The men had either ischemic heart disease - meaning blocked οr narrοwed arteries - οr a heart rhythm disοrder that required an implanted defibrillatοr. Half were older than 62. Those assigned to the rehab prοgram fοllowed a cardio and strength-training regimen, as well as stretching and pelvic floοr exercises, plus a tailοred cοunseling prοgram that cοvered each man's specific issues and cοncerns.
The men answered questiοnnaires abοut their sexual functiοning and their level of wellbeing at the start of the study, and the research team measured exercise capacity at the outset and again after fοur mοnths and six mοnths. Measurements of erectile functiοn included questiοns abοut erectiοn quality, οrgasmic functiοn, sexual desire and intercοurse satisfactiοn. Anοther set of questiοns gauged quality of life related to having a disease.
The research team fοund that sexual rehabilitatiοn, as cοmpared with usual care, imprοved physical sexual functiοn at fοur mοnths and six mοnths. The rehabilitatiοn prοgram also imprοved exercise capacity and pelvic floοr strength. However, there was nο difference between the grοups in the psychosocial cοmpοnent of the assessments οr in their self-repοrted health οr mental health.
"What stuck out the mοst was the fact that so many men had this prοblem fοr so lοng and hadn't sought prοfessiοnal help," Palm said. "But also, the οnes seeking help weren't able to get sufficient advice."
As part of the trial, the study authοrs elicited feedback frοm the men's partners regarding erectiοn functiοn, yet οnly 10 percent of partners respοnded. Future studies should find other ways to engage partners and build the social aspect of the prοgram, Palm said.
In fact, during the trial, some of the patients "teamed up with peers and met up after training sessiοns fοr a beer, thereby creating a special place fοr discussing their life with heart disease, including sexual issues," she said.
Palm and cοlleagues are planninga larger study with different types of patients who may require different treatments, she explained. Other studies are specifically fοcused οn sexual outcοmes fοr women, too.
"Although the clinical guidelines recοmmend cοunseling of women and men abοut sex after a heart attack, women are far less likely to receive this cοunseling," said Dr. Stacy Lindau of the University of Chicagο, who wasn't involved in the study.
Lindau directs WomanLab, a website that prοvides infοrmatiοn abοut female sexuality and health cοnditiοns, especially with regard to menοpause, cancer and heart disease. This week, WomanLab launched a new resource bit.ly/2FNxEHj> with questiοns to ask doctοrs abοut sex after a heart attack.
"Both men and women should ask their heart doctοr when it's safe to start having sex again and, if pοssible, include their partner in the cοnversatiοn," Lindau told Reuters Health by email. "A life-threatening illness can be a wake-up call where cοuples reset their thinking abοut their life priοrities and renew their cοmmitment to caring fοr and loving each other each day."
SOURCE: bit.ly/2FRIJqX Heart, οnline October 31, 2018.


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No Need to Ask for More Signs
Grace to you!
You may have heard the story of two people who performed the lyrics of Psalm 23--The Lord is My Shepherd. One was a professional actor who makes his living acting. The other was a shepherd who had never performed on stage.
The actor performed the shepherd's psalm so well that he received the most thunderous standing ovation. When it was the shepherd's time to perform, by no means did he observe any of the stage rules. Instead, he communicated the story of the psalm in such a way that everyone in the audience was spellbound, gripped by the profound and deep passion of the shepherd's testimony. Some were shedding tears of admiration.
The difference between the two was evident. The actor knows about the sheep. He memorized every line. But the shepherd knows the sheep intimately. He breathes the sheep.
Have you contemplated the reason for the Incarnation, why Jesus became man? Many people's minds go to the idea of atonement, which is somewhat a response, by negative theology, namely, to save us from sin, an aspect of which is furthered by the much debated negative logic—to pay the price for our sins. We tend to ignore the core, which is to enable us to participate in the divine life and reveal to us how that life is in him.
The Catechism of the Catholic Church has these answers, drawn from Scripture, to give: God became man in order to save us by reconciling us with God (CCC 457), so that we might know God's love (CCC 458); to be our model of holiness (CCC 459); and to make us partakers of Divine nature (CCC 460).
This last one is hardly emphasized by many. It seems to me that no better blessing can we have than to partake in the divine life, the life of the Trinity. Salvation is partaking in the divine life. The apex of divine love is immersion in the Trinity; so also, holiness, which is life in God.
By the coming of Christ and the events of the Paschal mystery, we receive the fullness of grace for this participation in the life of the Trinity. The Incarnation is Grace for all. Grace is Jesus who came so we can become engrafted in the Trinity. Grace is the Son of God whose Incarnation makes real the ultimate vocation for humans to be deified.
If the Old Testament speaks of signs, "Therefore the Lord himself will give you this sign: the virgin shall conceive, and bear a son, and shall name him Emmanuel" (Isaiah 7:14), the sign has already been fulfilled at the Incarnation. Matthew 1:18-24, describes the details of the birth of Jesus, the fulfillment of the sign, and connects it with the prophesy of Isaiah.
When people are still waiting for a sign, it's because they have not recognized that the sign has already been fulfilled in Christ, "the fullness of divinity."
Blessed be the name of the Lord that he has left for us the continuation of his presence through his Body the Church, who has been said to be in the form of a sacrament. "Since the Church is in Christ like a sacrament or as a sign and instrument both of a very closely knit union with God and of the unity of the whole human race, it desires now to unfold more fully to the faithful of the Church and to the whole world its own inner nature and universal mission" (Dogmatic Constitution on the Church, Lumen Gentium, 1).
Great mystery indeed. It's the sign in continuation. Much more is the reality of the sacraments through which God lives in us, shares God's life with us, forgives us, heals us, forms us into a new church of the home, calls us to the apostolic ministry as Saint Paul says, "the grace of apostleship" (Romans 1:5).
In the Church, we witness the profound union of Christ with his people. We, like the shepherd in our opening story, get to know the sheep intimately. Each sacrament that is granted to Christ's body for the nourishment of her members, gifts us with unique graces oriented to make us more and more configured into Christ.
Tomorrow we continue this discussion by showing how the individual sacraments offer unique graces in us; hence, they are called sacramental grace.
For this Day 22 of Advent, ponder on your understanding of the Church and the sacraments? What is the Church for you, the body of Christ or simply a human institution set in opposition to Christ? Read the following letters of Saint Paul and meditate on them—Colossians 1:18, Ephesians1: 22-23, 3:19.
God love you. God bless you.
Fr. Maurice Emelu
Author and Goal
Father Maurice Emelu PhD., provides a daily blog of reflections based on the Scriptural readings of the day from the Catholic liturgical calendar. The goal is to teach, inspire, encourage, and foster healing through the grace of God's word. They are written in a language that is appropriate for a general audience. You will find these reflections helpful for your spiritual growth, inspiration, and developing your thoughts. They may also be useful for ministers in preparing their sermons for liturgical celebrations.
September 2020


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By Amanda Morgan
On a scale from one to ten how high would you rate your daily neck and back pain? For most Americans the answer is high. Around 86% of working Americans work at jobs that require them to sit at a desk or table. While Americans work at these desks for long periods of time they often maintain poor posture which over extended periods of time can lead to discomfort in the back and neck. Fortunately, with some small adjustments to your positioning and routine, back pain will become a thing of the past. Read this article to learn nine things you can change to reduce the chance of chronic pain after sitting at a desk all day.
1) Chair
Does your desk chair have a proper curvature to it? Does it allow you to rest your feet on the floor? Are your arms supported while sitting? If you answered no to any of these questions, you may want to consider investing in a new chair. The type of chair a person sits on plays an important role in spinal and neck support. Chairs that do not offer adequate support will lead to unnecessary pain. A good chair will support your spinal curve, allow your feet to rest on the floor, and include armrests. The term ergonomic is used to describe a chair that has these features and ultimately offers proper neck and back support. Find a chair that best supports your needs so you can finally enjoy sitting at your desk.
2) Non-traditional Chairs
Chairs are not the only option when sitting at a desk. Recently nontraditional chairs have become very popular in order to maintain proper posture. What makes these options different than a traditional chair is the lack of back support. Instead these alternatives encourage people to maintain good posture and thus decrease the amount of tension in the back. One popular option is a kneeling ergonomic chair. This chair puts the person in a kneeling position while providing support to the shins. The hips are pushed forward which helps the person maintain a straight back. However, if you have knee problems, this might not be the chair for you. Instead try using an exercise ball, especially if you are experiencing lower back pain. An exercise ball prevents a person from putting strain on one part of the spine and helps the person to distribute their weight evenly.
3) Stretching
People always say that getting started is always the hardest part of a project but pausing a task can be just as challenging. Often we get so focused on our work that we forget to stretch and move around. This can be harmful to our bodies especially when we sit by a computer all day. A quick five or ten-minute break could be the difference between chronic back pain or a pain free day. During your five-minute break consider taking a walk to get your blood flowing and loosen the joints. Even if you cannot move away from your desk, you can stretch out your arms, legs and shoulders. You may find yourself becoming more productive than ever before because these short breaks will allow your mind to better process and analyze the information you are looking at.
4) Feet Position
Quickly look down. How are you resting your legs and feet? If you answered that they are crossed than this could be a contributing factor to your back pain. It is important that you do not sit cross-legged as it prohibits proper position of the spine and shoulders. People tend to lean backwards when they cross their legs and overstretch the muscles around the pelvis. Blood flow is also at risk when you cross your legs. Your knees should be at a 90 degree angle, with both feet placed firmly on the ground. However, it is ok to slightly cross the ankles if this makes you feel more comfortable. Try not to lean when crossing the ankles as this could cause the body to tilt to one side and put the spine in an uncomfortable position.
5) Desk Items
It is important to consider the location of the items on your desk when you are trying to figure out what is causing your back pain. If you constantly reach for items on your desk, this could be a major contributor to your discomfort. Instead of placing items all over your desk, put only the essential ones close to you. An example of an essential item would be a pen or a phone charger. Everything that you do not use regularly should be put away into a drawer. Some people invest in a swivel or rolling chair in order to move around easier and not over extend their body. The goal is to make your space work for you so you don't have to work around your space. You may also save yourself some frustration if your items are neatly organized next time you are looking for something.
6) Monitor Height
You may think you are doing everything right to protect you neck and back but for some reason you are still experiencing pain. You have the best chair on the market, you never use your cell phone, and you are constantly moving yet you always find yourself in pain at the end of the day. One of the most overlooked reasons for neck and back pain is the height on the computer monitor at a desk. It is important that the computer you are using is at eye level and does not cause the head to tilt down. You may want to consider lowering your chair, raising the desk, or buying a stand to put your computer on. This will alleviate the pressure on your shoulder and neck, helping you to feel like a new person.
7) Squinting
Do you find yourself constantly squinting at your computer monitor? This is usually an indication that new glasses are needed. People who are unable to see the computer screen tend to lean their bodies towards the computer. This leaning can cause upper body pain due to improper posture. Straining your eyes can also lead to headaches and more discomfort. The proper position when you sit in a chair is to sit fully at the front of the chair or all the way in the back. Sitting in the middle of the seat will cause you to slouch and tilt forward. If you believe your slouching to be due to trouble seeing, then glasses may be a viable solution. Avoid the headaches and back pain by going to an ophthalmologist.
8) Phone Cradling
It is estimated that 50% of office workers suffer from chronic neck pain. One of the biggest contributors to this is their phone. Most people pin the phone between their neck and shoulder out of habit; it keeps your hands free and allows you to multitask. While this can be a time saver, it could be doing serious damage to your neck. The neck is not made to be tilted for an extended period of time. For people who spend hours on the phone with their head tilted, it is not surprising that their neck hurts after work. Instead try holding your phone with your hand and keeping your neck straight. The best option is to put it on speakerphone or on a Bluetooth device. Speakerphone and Bluetooth lets you multitask and complete other work while continuing to talk on the phone, all while maintain proper neck posture.
9) Cell Phone
We all do it, check our phones every five minutes to make sure we are always up-to-date. While phones may be convenient and entertaining, they can also lead to serious upper back pain. People who are constantly on their phones to text, read emails, or play apps tend to experience back and neck pain. The reason using your phone causes pain is due to the positon people maintain. Most people move the head down to look at the phone which strains the neck and increase the weight of the head. As the head tilts down the weight put onto the neck and back increases. Instead of using your phone to check every email and text message, consider using a laptop or desk monitor and save your phone for phone calls only.


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Postal address
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Opening hours
Monday - Friday: 08:00–16:45.
After office hours mobile duty phone available.


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There are many probiotic products on the market and available over the counter with claims for various ailments. It's important to realise however that probiotics have different species with strain specific research and evidence for particular conditions.
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This is a very exciting and exploding area of research in the scientific literature with extraordinary clinical outcomes for a multitude of health complaints.
Don't waste time or money buying over the counter products that may not have the desired result. Our clinician can target your treatment with proven results and an individually tailored holistic health plan.


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What's your opinion on this article?
But, it's more than an online presence now with a brick and mortar store on the South Side of the city in business for three years and seeking to expand. Black Dollars Matter.
It prides itself as an example of a living, collaborative, Black economic effort, offering products, support and a place where Black entrepreneurs and businesses can find common cause, make money and rebuild the community from within. It's asking for your help.
Co-founder and operator Cassiopeia Sledge is pushing to raise $60,000 to shore up The Black Mall and its place in Black Chicago. They need the money now.
"It's all about sustainability and expansion," Cassiopeia said. "The fact that we've got past the three-year mark as a business is a huge milestone; we're now 7 1/2 years in with The Black Mall and constantly growing and innovating."
The Black Mall has increased its number of vendors from 15 to 80 within that time, she added.
"You're not just building something for yourself, you're providing financial freedom for others too and the community and developing the community," she said.
The store, located at 533 E. 79th St. operates from 10 a.m. to 7 p.m. and features products on its shelves such as beauty and health products from Freedom, Emerald Escape and Eden Fresh; food and beverages by Zoe's line of food sauces and Crack in the Cup coffee; and books, toys, jewelry, clothing and accessories, household products and much more!
The Black Mall also hosts "Ujamaa Markets" which recycle thousands of dollars from local Black communities by bringing Black buyers and vendors together. The markets are like pop up shops at Kwanzaa gatherings, annual Juneteenth celebrations, a popular The Taste of Black Chicago restaurant festival, a delicious Taste of Vegan fest, Buy Black Fridays, and other spaces where Black community, culture, celebration and cash come together. These marketplaces have been held at churches, predominantly Black, Chicago State University, the Nation of Islam headquarters and have drawn thousands. The latest mission, however, is raising $60,000 to keep the store on solid footing.
Since 2010, over $700,000 has been recycled through the different events and online purchases, said event and business organizers.
"I love what Cassi is trying to do at The Black Mall, trying to expand our base because we spend a lot of money and we have a problem for whatever reason spending money with ourselves," said Karen Roberts, owner of Jus Sandwiches, a restaurant on the South Side. She is among many vendors supporting Black Mall's fundraising.
"It's time for us as Black people to come back together to what was originally our roots of what we know of being economically strong in our own right," Ms. Roberts said.
Kasabez Maakmaah, who works at The Earth Center of Maanu, an organization promoting and preserving the traditions of ancestral African culture, sees The Black Mall as an example of potential financial independence.
"I'm just inspired to see people who are trying to make a way for themselves for us to be able to provide our needs and livelihood for ourselves instead of always having to depend on people who don't really care about us," he said.
Supporters of the fundraiser have taken to social media to encourage backing The Black Mall.
"With so much turmoil happening within the Black community The Black Mall is that shining light helping to change our outlook," Micole McClurkin from Chicago wrote on The Black Mall's Facebook page. "If you want to be around positive motivated people who care about YOU, then come shop, play, and rub shoulders with people in our community who are all about the BLACK. Love this place."
Lotus Love, a reiki master teacher, massage therapist and life coach wrote, "The Black Mall has been a source of great connections and information for a long time. They have been a number one source for me as a business owner to utilize the service for marketing as well as other opportunities to share and promote my business."
"I'm so very grateful for the more than excellent job they do. I have had times of needing things for my business and didn't know exactly what was needed but The Black Mall was able to coach me through and make my vision become reality!"
Cassiopeia Sledge said The Black Mall's next steps include increasing distribution, product development, developing and launching an app and even supplying subscription boxes for customers.
"When you have a whole retail store with employees, there needs to be something in the kitty to be able to maintain and sustain efficiently and stop struggling as businesses as we do," she explained. "So we want to have those funds for salary, inventory, upgrades for the location to make it more attractive. And, then to eventually be able to duplicate this space in six of the majority 22 Black neighborhoods in Chicago."
For more information on The Black Mall and to donate, visit theblackmall.com and stop by the store, make a purchase and see how you can lend your support. Call (773) 357-6154 for more information.


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The Reserve Bank has kept the Official Cash Rate at 1.75% as expected, reiterating it will remain at this level "through 2019 and into 2020."
Governor Adrian Orr has also maintained his position that the next move could be up or down.
Economists regard his "neutral" stance as little changed from the last OCR review in August.
Here is Orr's statement:
"We expect to keep the OCR at this level through 2019 and into 2020. The direction of our next OCR move could be up or down.
"Employment is around its sustainable level and consumer price inflation remains below the 2 percent mid-point of our target, necessitating continued supportive monetary policy. Our outlook for the OCR assumes the pace of growth will pick up over the coming year, assisting inflation to return to the target mid-point.
"Our projection for the New Zealand economy, as detailed in the August Monetary Policy Statement, is little changed. While GDP growth in the June quarter was stronger than we had anticipated, downside risks to the growth outlook remain.
"Robust global economic growth and a lower New Zealand dollar exchange rate is expected to support demand for our exports. Global inflationary pressure is expected to rise, but remain modest. Trade tensions remain in some major economies, increasing the risk that ongoing increases in trade barriers could undermine global growth. Domestically, ongoing spending and investment, by both households and government, is expected to support growth.
"There are welcome early signs of core inflation rising towards the mid-point of the target. Higher fuel prices are likely to boost inflation in the near term, but we will look through this volatility as appropriate. Consumer price inflation is expected to gradually rise to our 2 percent annual target as capacity pressures bite.
"We will keep the OCR at an expansionary level for a considerable period to contribute to maximising sustainable employment, and maintaining low and stable inflation."
The OCR has been at 1.75% since November 2016.
Gap between NZ/US benchmark rates the widest ever
Meanwhile the Federal Reserve on Thursday morning (NZ time) hiked its benchmark rate for the third time in 2018.
At 2.25%, its rate is 50 points above that of New Zealand. This is the largest difference ever.
The New Zealand dollar spiked a little against the US on the Fed's news, before retreating and then jumping briefly on the RBNZ's announcement.
The movements were all minor; ANZ economists Sharon Zollner and Liz Kendall saying the RBNZ's review "appears to have been successfully geared to generate little market reaction".
The NZD remains relatively weak in the bigger scheme of things, sitting at 66.6 USc (as at 10.45am).
Orr wouldn't risk coming out less dovish or more hawkish
Kiwibank economists Jarrod Kerr and Jeremy Couchman described the RBNZ's statement as: "as unchanged as unchanged gets on an unchanged day".
"The RBNZ's statement gave a little, then took a little, but reaffirmed us of the current OCR trajectory," they say.
"To everyone in New Zealand, and those trading Kiwi instruments internationally, the cash rate is going nowhere for two years. The message is clear. And the message is consistent.
"Yes, we have seen an upside surprise in the (old) 2Q GDP numbers. Yes, business confidence has bounced back a bit, after seemingly voting no-confidence in Government policy directives. And yes, the US and Global economy hasn't imploded under Trump's tit-for-tat tariff tirade (alliteration at its best).
"But risks remain.
"The RBNZ Governor would not risk coming out less dovish, or more hawkish – pick a bird, basically more upbeat. Because Orr knows better than most, that a slight tilted change to the upside would have sent interest rates (expectations) higher, and the Kiwi flyer higher.
"We don't need higher interest rates yet, and we don't want higher exchange rates yet, either.
"Accommodative the RBNZ are, and accommodative the RBNZ will stay, well into 2019."
Will inflation pressures hit sooner than the RBNZ expects?
ASB chief economist Nick Tuffley retains his view that inflation pressures will pick up sooner than the RBNZ has been forecasting.
"In particular, we expect a greater degree of wage inflation and subsequent flow-through to consumer prices. That is why we expect that when the OCR eventually rises, it will occur sooner than the late-2020 indication from the RBNZ," he says.
"But the near-term risks are skewed still towards a lower OCR, primarily if growth does not live up to RBNZ expectations.
"Although the RBNZ will have been pleasantly surprised by the strength of Q2 GDP, continued soggy business confidence will keep it wary about the growth performance for the rest of 2018 - particularly the tail end of the year."
ANZ economists see the OCR on hold for the foreseeable future.
"But with inflation still low and the activity outlook uncertain, the RBNZ stands ready to act should the activity outlook disappoint," they say.
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94 Comments
Is Orr subscribing to the growth effect where you keep OCR low, pump growth as hard as possible, right up to the crash, which means any recessions are minimised due to past growth?
Works until you realise that we have no tools to fight the next recession...
My conspiracy theory is Orr is trying to pump up the local banks until they crash with the next recession then we bail them out and in-turn gain ownership (Air NZ model) and we start taking back our future. "they have been reckless, if they want a bailout they must be kiwi owned!"
More likely hes had a word to the banks and said - look, those aussie banks are a mess - sort your self out internally and I wont push for any inquiry. I know you'll need to tighten up lending a lot but i'll be leaving rates low for you for the next couple years as this transition takes place.
Nice move -
Trapped Millennial,
I would like to think that your tongue was firmly in your cheek when penning this-but I sense that you were actually serious. I love conspiracy theorists-when you ask for evidence,the response is usually that it has been hidden-thus proving that there really is a conspiracy. Since Orr has only been in the job for a short time,he has presumably inherited the conspiracy from the previous Governor!
I can't wait to see your detailed evidence to support your theory-the 10 likes are just sad,but not surprising.
The gift from central banks that keeps on giving. According to BIS, low interest rates have spawned one-in-six "zombie" firms since the mid-80s. These zombies are businesses, at least 10 years old, not making enough profits to cover debt servicing costs to see record high valuations. Low interest rates allows speculators to bet on such risky ventures with borrowed money often on non-recourse terms.
Hold, Hold, Now!!!!!
Q3 next year rates go up when Governor Orr can no longer 'look through' inflation. below the 2% band range my arse!
Cracks me up, I suppose the extra ACC levies will be 'looked through' as well. Don't worry everyone the constant inflation you are seeing is just lots of 1 offs that happen on a regular basis..
I think I may be getting a bit prickly too, but it does appear that the basket of goods used to measure inflation doesn't contain anything that people actually buy... Unless we are all buying 15 Chinese made televisions every year and dining on plastic rather than food. 2% is a joke. Have they looked at changes in rent, year on year house prices (nationally for the last 10 years (not so much now), petrol in the last 9 months, cheese, veges, meat, power, rates and now ACC levy? You just can't run interest rate policy ignoring the major things that households actually have to spend money on. The inflation calculations are a joke, they just don't factor in the rates at which things are going up and all the while household debt levels are expanding and are now one of the highest in the world.
People who get a good return on their capital/savings will spend when their capital is not being eroded by inflation. They aren't spending at present.
Those that are leveraged up / speculators included are also not spending because the debt servicing is going straight back into the banks coffers and there's little spare capacity for discretionary spend without yet more borrowing.
The rebalancing comes when people start marching in the street because the NZ dollar has collapsed and everything we buy from abroad (net $1,000,000,000 deficit last month) becomes so expensive that rates rise to support the dollar.
At that point we have a braveheart moment where the over-leveraged get slaughtered. UK 1990's type recession on the way with rates rising as the recession takes hold to encourage savers to spend again.
Food is ~19% of the total, rent 9%, house purchasing 5% (housing total 25%), transport is 14% (petrol itself is 4%).
TVs presumably are a component of the 0.4% 'audio-visual equipment' total, part of the total 9% recreation and culture group.
As always, these are broad measured based on what the population as an average spends. Many people don't pay rent, many have paid off their mortgages or bought homes years or decades ago and have very low housing costs. For me personally, I spend well under 19% of my income on food, about 25% on housing, and well under 14% on transport, so food and petrol are over-represented compared to my own spending.
I think it was 1998 if I recall correctly where the price of second hand houses was removed from the CPI basket - New builds still in there.
Funny coincidence when you look at NZ house price since 1998....
1999 - removal of residential sections from the basket..
Hi Simon
thanks for looking into that and it is relevant... you can't strip that out of inflation calculations and consider an interest rate policy based on its absence as comprehensive.
Well done
Central banks and governments do not know how to deal with stagflation because they always believe economic problems are due to lack of demand, all their measures tend to be demand-side policies. Supply-side is never favoured by central planners. Daniel lacalle
there is never a lack of demand.
there is only ever a lack of affordability.
That is literally what demand is in economics, a curve that is price dependent.
yip - in other words its a misnomer
theres more insight in acknowledging it as (weak) affordability ... thats the crux of the problem
Good news
Agreed, I am liking this Governor as he seems a lot more switched on than his predecessor.
Adrian Orr - forever a safe pair of hands, who stands head-and-shoulders above any other financial regulator in the country.
Yes, I like his style. Very good track record from previous roles too.
Looks like the 'Brains Trust' are all very happy with the maintenance of the cash rate today. But the decision is not a surprise guys, it'll be low until at least the second half of next year.
Yes, this isn't a surprise. Although the recent positive GDP data did make things a bit more interesting.
You say "it'll be low until at least the second half of next year".
Please confirm whether the next move will be up or down. You've predicted that NZ will be in recession by the second quarter of next year, so you'll surely be predicting the next move to be down?
Ahh. I remember that.. I'm sure he said it was going to be increasing - up to 3.5% in 2020, I think.
In that same post he also predicted a completely contradictory/illogical economic position re; labor force.
I wouldn't take any of Nic's monetary forecasts very seriously.
I keenly await Mr Johnson's explanation.
9th September 2018 - Forecast
Growth will turn negative in the first quarter of next year and NZ will be in recession by the end of the second quarter (2 consecutive quarters of negative growth). Australia will be suffering a similar fate and before Q4 of 2019 one of the Australian banks will be trying to tap its government up for funds to shore up its capital ratios (My money is still on Westpac because they've been bleating the most inconsistency over the last 4-5 months, albeit CBA could also pose an issue because of the size of their loan book). Interest rates will be rising by Q4 2019 to hold up a heavily sold NZ dollar. There's a few predictions for everyone that I'm quite happy to have on record. Sound nuts? Maybe, but this old squirrel has seen what happens when a housing market dominates an economy and where banks have leant too much interest only debt and too many high multiple mortgages at the top of the cycle.
Okay let's carry on then. Unemployment will hit 6% by Q2 2020 rising to a peak of 7.4% by Q4 2021. Reserve bank rate will be 2,5% by Q4 2020 and 3.5% by Q4 2021. prices will fall 15-20% at the lower end of the market 25-35% in the middle and 40-50% at the upper/luxury end of the market. The bottom of the market will be 2023/24 a couple of years later than your prediction but ready for your next upswing. In essence a heavy top down correction because of tighter credit from banks and lack of cash from foreigners at the margin, many of whom will be forced to flee with big foreign bank losses.
BLSH, we won't know March quarter GDP until the end of next May. There's a lot already happening in the economy that will stretch households and government budgets a fair deal further between now and then.
So to be clear, you have predicted that by the end of 2019, NZ will be in recession and at the same time RBNZ will be raising the OCR. Do you see the contradictory nature of these two predictions? The RBNZ would not raise interest rates in a recession - I'm sure I don't have to explain to you why.
You're thinking about it from the perspective of someone who is highly leveraged. There are lots who are and their spare capacity to spend and support the economy is waning.
Thankfully there are a lot of savers and individuals who are not leveraged at all, but are holding back on spending because of low rates and inflation eating into their capital. These people tend to be a bit more disciplined than heavy borrowers, but will spend when there is a return on their capital - interest! Which is what the economy is soon going to need to support weakening sales and job losses.
Have a look at the UK recession in the 1990's. Housing market peaked in 87/88. There was then a housing slow down which persisted until 1995 prices falling between 25-40% around the Country. At the same time interest rates rose, very quickly from 91/92 to support the pound and encourage savers to spend. Unemployment continued to rise as rates went up and up.
Just because you've seen one recession since finishing school, don't think that they are all the same. The causes are often very different but do regularly flow back to credit availability and it's tightening. The rebalancing is painful for some and less so for others. Personally I'm really looking forward to the sales.
Some elementary reading on Fisher effect is in order.
Thankfully there are a lot of savers and individuals who are not leveraged at all, but are holding back on spending because of low rates and inflation eating into their capital.
Inflation and low interest rates incentivise consumption today. So do you want to rethink this?
Also, read the (new) RBNZ mandate.
Unemployment continued to rise as rates went up and up.
You quote a time where monetary policy was not based on inflation targeting. Nor was one of the key metrics full employment (like our new RBNZ policy).
The most important thing is not to always sound smart, but actually know what you are talking about..
We are at full employment already, there will always be a rate at which full employment is where you have captured everyone who wants to work, we are also very close to peak household debt, the Aussies have gone beyond peak household debt The tools used to stave off the last recession are not available for the next one, which will be different again. There seems to be a blind belief that interest rates will keep going down - where do they go to? and at some stage you create capital flight, if the returns don't look worth while against the returns from other nations and markets. I think that a few may be forgetting that the Reserve bank is just a minnow compared to the forces of the major economies it is pretty powerless when they start shifting the levers for their own ends.
Aussies have gone beyond peak household debt
How do you go past the "peak" of something?
Did this not sound weird to you when you were writing it?
There is no blind belief that interest rates are going to decrease. The thing we are objecting to is your blatant misunderstanding of the adjustment mechanism in the monetary system..
Peak household debt is when debt servicing costs break the real economy. The waterfall has just started over there and will hit the real economy probably a quarter before us. Rates and unemployment in Australia are both going up and credit growth is being restricted. Nice FT article that I posted lower down for BLSH's education.
LOL, "I climbed to the peak of Mount Everest, and then I kept climbing"... Do you mean you started flying?
He still tried to deflect with another Depaak Chopra argument....
"When I say peak household debt I mean waterfalls and grasshoppers eating cake at the lake"...
He's the the love child Dr Seuss and Depaak Chopra.
Nic, this just keeps on getting more bizarre.
First you've predicted that by the end of 2019 NZ will be in recession, while at the same time RBNZ will be increasing interest rates. Increasing interest rates puts the breaks on the economy, so this simply wouldn't happen.
And as if this wasn't enough, now you've said "...interest rates rose, very quickly from 91/92 to support the pound and encourage savers to spend." This is factually incorrect - Increasing interest rates discourages spending (because it is more expensive to borrow) and encourages saving (as savings earn a higher rate of return sitting in the bank).
I actually thought better of you Nic. This is high school economics.
I knew he was a Deepak Chopra as soon as he opened his mouth. He has only one dream in his small brain and that is the world and NZ's economy will crash so he can feast on the corpses. For this to happen he needs:
1. Unemployment around 25%;
2. Fall in house prices of 70%;
3. All the banks have gone under and there is no more debt in the world;
4. OCR is at 45%;
5. GDP at -50%
6. Zombies walk the earth and Rick Grimes is his best friend.
He has amassed quite a following of fan boys, but then this site is full of envious sadists who wish nothing more than to take pleasure in the demise of others.
Haha, good old Deepak - the master of woo-woo.
Nic has almost as many fan boys as Deepak. People love to be told what they want to hear - regardless of whether the big words that have been stringed together actually make sense.
heavy G
Just trying to help provide a bit of balance to the brainwashing old boy. It appears that I have struck a nerve though with all these personal attacks.
It's factually correct. The pound was depreciating so fast and inflation rising so fast that there was no choice but to raise rates. Where are Aussie rates headed at the moment? Up. What's happening with the Aussie unemployment rate? It's also heading up and will go higher - see the FT article below. High school economics, that made me smile.
But Nic, I didn't say you were incorrect about the Cash Rate's influence on the value of the pound.
You were factually incorrect to say that interest rates are increased in order to "encourage savers to spend". The opposite is true. Interest rate rises have the effect of slowing the economy. It discourages spending as it becomes more expensive to borrow, and encourages saving as deposits give a better rate of return.
"...interest rates rose, very quickly from 91/92 to support the pound and encourage savers to spend. Unemployment continued to rise as rates went up and up."
Haha, glad to see you are hanging on my every word.
Speaking as an economics major, I can tell you that a lot of the core economic theories taught at Uni and high school are rubbish. Efficient market hypothesis and the quantity theory of money are examples of theories that don't hold up in the real world, so if you choose to believe in them then that's fine. People believe all manner of crazy things these days. Your assertion that "increasing interest rates discourages spending" does not always hold true, as a cursory study of economic history will show. A primary driver of spending is confidence and not interest rates. People borrowed money at 20% interest rates and invested/spent in the 80s, whereas most people don't want to borrow money in parts of Europe at 2% interest rates. Your argument would dictate the opposite occurring.
As for the reserve bank increasing rates in a recession, why would that be a surprise? That has happened in the US and Europe during recessionary periods many times, as well as a few other places like Argentina, etc. Thinking it can never happen here is a bit naive.
Ludwig - You do realise that you're going against BLSH's vast experience of being at uni in little ole NZ when the GFC took place.
Guttentag Ludwig
Yes, I do choose to adopt conventional economic theory taught in university, and on which there is essentially universal consensus amongst economists.
You need economicshelp.com
Regarding that major, you deserve a refund.
This one was a swing in the dark. I was going to google check, but then I remembered I have my loyal spellcheckers for that.
I think Warren Buffett's comment about efficient market theory sums it up:
"Naturally the disservice done students and gullible investment professionals who have swallowed Efficient Market Hypothesis has been an extraordinary service to us. In any sort of a contest – financial, mental or physical – it's an enormous advantage to have opponents who have been taught that it's useless to even try" Warren Buffett
Conventional economic theory does provide a very good indicator for what RBNZ and the banks will be doing with rates. Don't you find this helps forecast ahead when deciding whether to fix or float your mortgage? Oh wait, that's right...
Nzdan, there is an easter egg in there for you.
I worked in the financial market in the UK and remember 91/92 very well. I remember "Black Wednesday" in Sept 92,when the Chancellor-Norman Lamont-first raised interest rares twice to try and prevent the UK from leaving the ERM and then had to climb down. The stockmarket took off like a rocket-i was in St Andrews playing golf that day-and inflation and interest rates kept falling.
I thought you were knowledgeable,but apparently not.
Banks may be forced to start raising rates out of cycle just like what has happened in Australia.
He said the Reserve Bank would increase rates. You think RBNZ would increase rates during a recession? This is quite different to the likes of ASB and ANZ raising rates out of cycle.
Hi nymad,
Agree with you on that.
As good as Nic Johnson thinks he is on monetary matters, he's completely outclassed by the likes of Adrian Orr, Grant Spencer, Graeme Wheeler and Alan Bollard.
Righto, I'm off on holiday now. Somebody message me if any more bad news we didn't already know about comes to light from the milkmen.
The consistently weak NZ dollar must have been high up on his mind...
Ask any retailer and they will tell you the economy is in bad shape. Rates, insurance, petrol and food increases are biting. Emergency interest rates for some time yet. Great news for those who have borrowed money.
Ask any retailer and they will tell you the economy is in bad shape. Rates, insurance, petrol and food increases are biting. Emergency interest rates for some time yet. Great news for those who have borrowed money
I agree, but "great news for those who have borrowed money" I'm not so sure. If the consumer economy goes into its own recession, this is negative for asset prices, valuations, consumer spending, jobs, and income growth. If the debt growth engine can operate independently from consumption without any feedback loops, you're possibly correct.
Promote policies to inflate incomes and the prices of goods and services at near equal rates. With concurrent policies to suppress house prices and rents. Disposable incomes remain relatively constant leaving no surplus funds to pump the housing/rent market. But the share of income being devoted to rent or mortgage debt decreases over time to historical averages. Sounds easy.
If USD funding rates rise - then banks will probably have to push rates higher - doing the RB's job for them.
Could be hard for RBNZ to raise rate if economy is in a downtrend at that stage - which appears to be consistent with B.confidence, commodity P and T.Wars.
So if Orr is going to encourage the NZ dollar to devalue, what's the best / cheapest way to allocate some cash into different currencies? Good foreign shares, or local accounts in different currencies? Other?
All valid options. I've got some cash sitting in my US sharebroker account doing nothing which i intend to add too, some left over US currency in a drawer at home, and some AUD in a foreign currency account with the bank.
If you are worried about OBR ever kicking in, then foreign currency accounts at a NZ bank are just as at risk as normal deposits as far as I know. Hard currency in a safety deposit box should be safe.
Cheers. Do you use one of the bank's trading platforms or the likes of Halifax?
I use ASB for NZX and ASX, and Tradestation for US markets.
The Central Bank is looking at raising its interest rates, while our RBNZ is on holding pattern. Watch out for the NZD vs USD exchange rate! I guess price of petrol and other imported goods will be heading up and dragging the inflation long the way.
The thing I find the most concerning. Is that 10 years ago they struggled to
blindly guess forecast out more than the next review.
Now they seem to be able to predict years in advance with relative certainty.
Chieftan Orr has special powers though, he calls on the earth and the sky and it guides the ship to calmer waters. Don't mistake forward guidance as forecasting.. Sometimes 'inertia' is a very sensible move when to go one way or another could get you lost in fog and falling into a ditch. He wants a weaker dollar but has no room to lower rates any further without collapsing it so talk of low for longer is the only policy he has at present.
When everything becomes too big to fail the central banks have failed their financial stability mandate.
Why are there no accountability consequences?
If things shift quickly overseas the banks will raise the rates regardless of the OCR. The OCR is nothing but a speed limit sign, you can choose to ignore it.
With our banks being owned overseas, (first by the Oz banks, then ultimately by whoever owns shares in the Oz banks , which is mostly US institutional investors I believe), don't the falling exchange rates water down their dividend income, creating pressure to raise interest rate margins? How long will they resist this pressure?
Good to hear, just signed loan documents today to buy a $1M warehouse (disclaimer $1M doesn't buy what it used to, if you looked at it you might think $500k if you're lucky).
But there is absolutely nothing for sale located near Auckland Airport and I would much rather buy than pay rent any day.
Good for you. many businesses do not buy their premises because:
1) they cannot afford the expense on top of funding their startup business
2) they think they can get better ROI in their business than by owning the RE
3) they prefer to stick with what they know (their own business) than something new (commercial RE which does require the owner to be much more savvy than residential RE)
I am sure Mr Orr brings some very good credentials and experience to the table.
And a look back at his recent performance would attest to that – apart from a small blip – thank you Portugal.
However, there was a time when a nation, if not the world, fawned over Mr Greenspan.
But subsequent events and history now view him in a different light.
Ignorant at the wheel – "I didn't know".
Nic is basically paraphrasing from Ray Dalios new book about the long term debt cycle. Who's going to argue with Ray? While what Nic predicts may not happen it's basically the template from 48 similar debt cycles that Ray studied and certainly has a lot of merit.
There are a lot of people on Interest.co who are more intelligent, financially savvy and successful than Ray Dalios will ever be so I'll take their point of view over his any day.
Darn Tooting! Google can't even tell me who Ray Dalios is.
An enigma, wrapped in a puzzle and surrounded by mystery.
Pragmatist. I'd never heard of Ray Dalios either until a day or so ago. Apparently he's worth a read
Just need to press enter after typing in his name.
I did, but google just kept spitting back Ray Dalio, a billionaire hedge fund manager, no sign of Ray Dalios, and I want the real deal.
stop it or i'll wet the bed.
3.99% fixed rate 12 months by Xmas.
Recently refinanced and managed to get the 3.99% on offer from Kiwibank. Suggested to current bank that we were keen to hang around if they could match it, but nothing. So, switcharoo we go.


text:
Wednesday, August 8, 2007
Joining In
I am way behind on the Encyclopedia of Me Meme that BellaDia has launched, but I was out of town and I do want to participate in this fun.
I am going to just Amble through A today. Some of my favorite things begin with A:Acorns, Asparagus and Artichokes. Oh, and not to forget that I also love Avocados.
I am Amazed at the following: The Abundance that is present in my life...family, good friends, space and time now to not be scheduled, my home that I love so much, the beauty that surrounds me every day, my health and so many blessings too numerous to count! I am Amazed to be the Age I am. How in the world did I get here? How did I Arrive at this stage in my life when it seems like only yesterday I was jumping rope, climbing trees and playing jacks. Only yesterday I finished school, got married, had babies and turned 30, then 40, then 50 and more. Here I am in Astonishment. Here I am getting Attention from AARP, from the Neptune Crematorium Society, from the Afterglow Funeral Home!!! I don't feel that Aged. I still Ask questions, I still don't know the Answers. I'm still Absurd at times and I am still taken Aback by this Adventure that is my life. Amen!
6 comments:
- marylou said...
Dearest Ellen,
IT WAS yesterday that you were jumping rope and playing jacks!! Geesh, does the word Alzheimers ring a bell:-) I am teasing my wonderful friend and I hope she does not get mad at me and start cussing again:-)
I shall ALWAYS ADMIRE my ADORABLE, ASTOUNDING, AMICABLE, ASTUTE, ARISTOCRATIC ANGEL AMICA....!
Hugs to my bestest friend,
- August 8, 2007 at 6:42 PM
- ellen said...
- This comment has been removed by the author.
- August 8, 2007 at 6:54 PM
I think that may be the lovliest picture of acorns I have ever seen.
Thought it was time to stop by and say hi.
thanks again for all your kind words and thoughts, they mean more than you know
- August 8, 2007 at 8:04 PM
- Unknown said...
What a lovely post, and I was also just about to write about that beautiful acorn picture, I get so inspired by nature. You certainly have been busy in the garden too judging by that last post!
- August 9, 2007 at 11:38 AM
- Marti said...
I love that photo of the acrons. What great colour!
- August 11, 2007 at 3:38 PM
- nanny said...
And your niece of 46 soon has been getting recognition from AARP for awhile now and I have thought the samething. "Why are they getting in touch with me,I'm not that old yet am I".
- August 27, 2007 at 7:23 AM


text:
San Francisco: Book Club of California, 1955. One of 325 copies printed at the Greenwood Press. Folding facsimiles, woodcuts in text. Printed in black and red. Illustrations taken from A Collection of the Books & Woodcuts of James Catnatch and The History of the Catnatch Press. Quarter light brown cloth over tan boards, woodcut illustrations in red. Large octavo. [4], [30] pp. Item #14426
Magee, Hundredth Book, 89.
Price: $125.00
See all items by Percy H. Muir


text:
Massive Auditory Lexical Decision
How do humans recognize speech? How do factors such as native language, age, and dialect have an effect on the way in which words are recognized? A common concern among people as they get older is age-related decline; in other words, does our cognitive ability decline with age? Ramscar et al. (submitted) show that it may not be the case that older readers are slower due to cognitive decline. Will a similar result be found for listeners when they hear language? Additionally, interactions with speakers of other dialects can be a relatively common occurrence. How is it that there are some dialects that are easy to understand and that other dialects are more difficult to understand? Are there aspects of these dialects that are more difficult to adapt to than others (Clarke & Garrett, 2004)? The Massive Auditory Lexical Decision project seeks to investigate these and other questions regarding spoken language recognition. There are many ways in which answers to these questions can be found, one way is by creating and conducting large studies.
Find out more here: mald.artsrn.ualberta.ca
Team Members
Benjamin V. Tucker, Professor, Department of Linguistics
Funding Support
University of Alberta Killam Research Grant
Social Sciences and Humanities Research Council


text:
Tel: 01453 834477 / 835414
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text:
The world's economy is tethering on the brink of failure as nations struggle with declining values and loss of income. The rise of Donald Trump in the upcoming Federal elections in the USA is repeated elsewhere as people seek better from the promises of those who make little sense but raise their hopes. Jobs and the future are on the minds of most as they head to the polls and make choices. Just as Britain is making a choice of where their future lies so it is happening elsewhere as well.
The respect people hold for those who have 'made it' in terms of their success in the business world overrides such things as one's spirituality and the obvious trouble the world is in. With the signs suggesting we are approaching an end to the world as we know it where is the return to spiritual things that one might have expected in the face of such disaster?
With memory of my reincarnation and knowledge that religion is way out of line when it comes to reality the drop away from religious contact is expected. But so too is a closer link to the real God, the Spirit of the Universe, and that is not yet happening.
Weighing up the alternatives by putting their trust in money rather than seeking support from the only one who can really help is worsening the situation. There is no doubt that the prophecies in the Old Testament are coming true and the most obvious of them is the Internet (the mountain that sits above all other mountains) at the end of the day (Micah 4:1) and the enormous population.
It states in the bible that at this time everyone will be back due to reincarnation (Job 5:19-22, Isaiah 26:19) and there is no other explanation for the sudden explosion in people numbers. Surely this is the cause of the wars and downturn in the economy as people outnumber the jobs available and the prices of homes and other things to which we are a witness.
Money is an invention and like anything build on dreams it is propped up by hot air. It has to be talked up and when people stop listening the air cools and the deflation is a drop in consumer confidence. As retail stores close, businesses head into bankruptcy, and nations like Venezuela can no longer feed its people things are bad.
Climate change and global warming are bringing about an environment in which weather patterns are causing massive destruction, famine is already happening in many places, extinction of species is occurring, and wars are inevitable. Maybe when things worsen and there is no way out money will cease to be more important than one's spirituality. The problem is it might be too late by then.[ad_2]
Source by Norma Holt