text:
A first letter
Hey there Bright Eyes,
I've been trying to start a conversation about our relationship, and I haven't been able to subtly do it, so here we go:
I understand why we both sort of avoid this thing. I understand that it's like being between several rocks and a hard place. We couldn't talk during fall quarter because we were always busy. We won't be able to talk during winter quarter because we will always be busy. And you probably don't want to have this conversation now because you're at home and don't want to think about anything complicated while trying to do all your writing.
And I get that talking about how a relationship works is hard. It takes introspection and asking questions and figuring out why we do what we do.
But I've noticed this change in how we interact, nothing big, nothing crazy. Just little things.
First, I don't lie when I say I love you. But love is a big, crazy, scary word. This is sort of what I mean.
But add onto that that I do want to date you and even make out with you. I want to swap favorite books and swap saliva. I want to hold you long enough for it to be a lover's embrace and put my head on your shoulders and hold your hand. ***
Ok, to be honest, I don't know how to say any of this. I spent so much of my time not knowing what I'm doing.
^^ sort of like this
But I try really hard. And I really like you. When I talk with you or sit next to you I feel like the world slows down for a little while. The great big looming monstrosities of everyday life seem a little more distant. I think you're super awesome and interesting. I like your taste in books, and music, and television. The things that you like, I tend to think are pretty cool.
You said once, a long time ago, that you were a little annoyed when people were 'shipping us because you said that just because a guy and a girl are friends, they don't have to become lovers. And then we did. Well, I think that just because a guy and girl become lovers, they don't have to give up being friends.
What am I trying to say? I guess, that I feel like I've become a chore for you. You check your email or your texts and respond to ones you get from Andrew at the end of the day. It's been a while since I've seen you say, "hey, this made me think of you." or "hey, I thought you'd think this was interesting".
Now maybe it's because I'm just always there. So I hear it all while I'm with you.
It's those little reminders. Those little messages that say "hey, I'm thinking of you". Those make me feel special. And I don't know if they make you feel special, but I send them anyway. Just to let you know that I'm out in the world, thinking of you.
^^^ I'm not sure why this makes sense here, except that I said thinking of you, and sometimes I struggle with the phantom-you in my head when that phantom-you doesn't become real you.
And for spending a lot of time with you over the past year (we became friends on facebook as of January 16 according to my "Highlights of 2012 facebook doo-hicky" ), I realize I don't know a whole lot about what you want in a relationship. Which makes sense seeing as I don't really know what I want from you or from any relationship that I'm in, even with my immediate family. But I think part of being in one is wanting to figure that out. And I want to.
*** I want to be there to comfort you and hold you and tell you you've done a good job and let you cry and connect with you on something deeper than skin.
I don't know. Does this make you crazy? I'm really sorry about that.
But not knowing where we are with each other makes me feel like I'm walking on ice. Not sure the thickness, trying not to slip and fall. It makes me a little crazy.
And I guess that something that scares me. I'm afraid of losing you. And I don't mean not dating you anymore. I've settled on probable possibility that we'll break up at the end of the year so that you can live your life fully after college. And to be honest, that's ok with me. I've said it a million times and will say it a million more, I want you to be happy. But I'm afraid I will say something terrible and we won't be friends anymore. And that makes me feel the worst. I've already lost one of my my best friends this year. Carrie knew me better than anyone else and we really understood one another. And it's been ten months since she's talked to me. I've heard through the grape vine that it'll probably many more. When/If we break up, I want to to be because we can't be together anymore or because we don't fit together anymore, not because we hate each other. I don't think I can stand to lose you that way. It would break my heart into a million, million pieces.
I don't think I'm making any sense. But I'm trying anyway.
P.P.S I love you, Bright Eyes.


text:
Careers in graphic design are expected to be one of the largest and fastest growing job markets through 2014. Most careers will be in computer , website design, and computer animation design. Competition will continue to be steep, even though a lot of jobs are available for someone pursuing a career in computer graphic design.
In addition to your graphic design portfolio, you will need to create a graphic design resume to outline your skills, experience, and education for prospective employers and clients. The most important thing to remember when creating your graphic design resume is that your portfolio is a separate item.

subset: commoncrawl


text:
Church's controversial anti-Trump Easter billboard stolen from Remuera, Auckland.
A church in Auckland has had its controversial Easter billboard - featuring Donald Trump, Jesus and a crucifix - stolen in broad daylight.
The billboard depicted the US Republican frontrunner for presidential candidate in front of the crucified Jesus with a mallet and a speech bubble saying: "I don't like losers."
It was stolen from outside St Luke's Church in Remuera, the day before Good Friday while the minister, Rev Glynn Cardy, was inside church conducting a funeral service.
Cardy said he was not sure whether the thieves stole it because they really liked it or disagreed with it.
READ MORE: Auckland church puts up anti-Trump Easter billboard
"Some people don't like the billboard because they like Donald Trump. Some don't like the billboard because it infers Jesus was a loser.
"Whereas others, like myself and those here at the Community of St Luke, see the cartoon as showing that the values and views of people like Mr Trump are completely at odds with those of Jesus," Cardy said.
"It is disappointing that someone decided to break the law and steal something that was stimulating a meaningful discussion in our community about the meaning of Easter."
The billboard was erected outside the Remuera church for the beginning of Lent on March 3.
At the time, Cardy said Christ would have been considered a "loser" by people like Trump these days.
"To the Trumps of his day, and to those who see winners as having money and power, the Jesus of the Bible was a loser who associated with those rejected by society. And he died broke," Cardy said.
Cardy said the thieves took the whole board, leaving only two poles in the ground.
St Luke's said it would replace the billboard after the church's Easter Sunday celebrations, and intended to keep the billboard up as long as the issue of Trump's candidacy remained undecided.
- Stuff


text:
This property has been removed by the agent. It may be sold or temporarily removed from the market
2 bedroom cottage for saleFrench Street,Lower Sunbury,TW16
Guide Price £575,000
Property Description
Key features
- Semi-detached
- Two Double Bedrooms
- En-Suite Bathroom
- En-suite Shower Room
- Living Room
- Eat in Kitchen / Diner
- Courtyard Garden
- Second Lawned Garden
- Fully Powered Shed / Studio
Full description
Property Description
Two bedroom semi-detached property with original features from the 18th Century that lies in French street in the sought after Lower Sunbury area.
Property Details
This stunning early 18th century character home lies on French Street in Lower Sunbury. The property is set back from the road with path access to front door and surrounding grassed garden and shed/studio with lighting and power. Inside the property you will find many original features with a living room flowing into an eat-in kitchen/diner and rear patio doors to a courtyard style garden which is not overlooked and features outdoor lights and power. The downstairs is completed with bedroom two, which has an ensuite shower room. Upstairs offers a double bedroom with wood floors and ensuite bathroom.
Energy Performance Certificate (EPC) graphs
Listing History
Map & Street View
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Market Info
Disclaimer - Property reference 2123864. The information displayed about this property comprises a property advertisement. Rightmove.co.uk makes no warranty as to the accuracy or completeness of the advertisement or any linked or associated information, and Rightmove has no control over the content. This property advertisement does not constitute property particulars. The information is provided and maintained by Chancellors, Sunbury. Please contact the selling agent or developer directly to obtain any information which may be available under the terms of The Energy Performance of Buildings (Certificates and Inspections) (England and Wales) Regulations 2007 or the Home Report if in relation to a residential property in Scotland.
Map data ©OpenStreetMap contributors.


text:
Type to Search
Breaking News!
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This week's best dressed: 12/10/11
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Ratings based on 141 Verified Reviews
3.8 Room cleanliness
3.7 Service & staff
3.4 Room comfort
3.5 Hotel condition
Expedia Verified Reviews
by Jørn
OKPosted Feb 10, 2017 on Hotels
It was friendly staff, the restaurant was very good and room was OK.
Comment from Hotel Management
Mar 2, 2017 by General Manager, Hotel Management
Merci pour vos compliments sur la qualité de l'accueil, de la cuisine et sur votre satisfaction de la chambre. Au plaisir de vous servir à nouveau à l'hôtel Terminus du Forez.
by Asaf
Posted Jun 28, 2016 on Hotels
Ordered room with 2 twin beds, got a room with double bed and a rollout. No A/c, hotel is dated, funny smell
by A verified traveler
Okay for one nightPosted Apr 10, 2016 on Hotels
The Hotel was quiet. Wifi was so so. The bathroom was super small, need to be very skinny just to get into the bath tub. Otherwise the place was clean and the staff nice. Very nice restaurant.
by Paul
Posted Dec 4, 2015 on Hotels
by JOHN from Waterford . Ireland
Terminus du Forez reviewPosted Aug 1, 2015 on Hotels
A lovely hotel with a touch of art deco. Very central to all amenities. Staff very courteous and helpful. I would definitely stay again
by Rich from Ireland
very very poorPosted Aug 7, 2014 on Hotels
Just awful. Our room smelled like someone had just been smoking in it and it had burn marks on the bed spread. Gawd knows what a black light would reveal. The pictures they show you on hotels.com are not true to form. If I could rate this hotel any lower I would. Not worth €78. a hostel would have been better.
by Geoff
Posted Nov 20, 2012 on Hotels
Good Hotel, very close to station. Compllimentary parking is 2 minutes away. TheHotel Restaurant "La Loco" is superb, and for the quality, cheap for France.
by Dani from Abroad
Good for business tripPosted Jul 16, 2011
located near Saint-Étienne-Châteaucreux and very convenient for a business trip
by A verified traveler from Devon
1 night standPosted Jul 7, 2011 on Hotels
Bedroom not particullarly clean,bathroom smalland dirty. Good location in center, with parking.
by A verified traveler
Posted Jan 28, 2011 on Hotels


text:
6 bedroom detached house for saleSandcroft, Pier Road, Pier Road, Tywyn, Gwynedd, LL36
Do you like this property?
Call: 01654 636004
Property Description
Key features
- A truly splendid and beautifully presented detached residence
- 6 bedroomed house plus annexe ideal B & B opportunity
- Attractive landscaped grounds and gardens
- 2 Detached Garages, 1 with an adjoining workshop
- Close to the beach
- Energy Efficiency Rating = 53
Full description
A truly splendid and beautifully presented detached residence. 6 bedroomed house plus annexe ideal Bed & Breakfast opportunity Attractive landscaped grounds and gardens. 2 Detached Garages, 1 with an adjoining workshop. Close to the beach. Energy Efficiency Rating = 53
General Remarks & Situation - The placing of Sandcroft on the open market offers potential purchasers to acquire one of most imposing prominent properties within Tywyn. The property occupies a good address within Pier Road and is within easy walking distance of the town centre, promenade, Doctor's Surgery and all other amenities offered within this busy coastal town.
During recent years the property has been well maintained and extensively refurbished to provide very comfortable, beautifully presented accommodation. It is particularly well adapted currently for the use of two families with a substantial main residence, three floors of accommodation together with a ground floor self-contained annexe, which is totally self-contained and well suited as either a Granny Annexe or indeed for any other purposes. It could equally be easily re-converted and incorporated into the main residence as I suspect it originally was intended.
The centrally heated and fully double glazed accommodation is in excellent decorative order and the property stands in large grounds and gardens which have to the front a sweeping driveway with tarmacadam parking for many vehicles leading to two Garages, one to either side of the property and attractive raised borders. To the rear, beautifully enclosed within a wall boundary, further lawned garden, two vegetable plots, fruit garden, cherry and apple trees, ornamental pond, paved seating areas and generally well maintained cottage style garden. A rear service road which provides access if so required.
The Residence - The original property was constructed in around 1890 in a traditional manner having cavity brick walls under a pitched slated roof. The accommodation is in excellent decorative order and extends to:
All rooms have radiators which are individually thermostatically controlled.
Ground Floor -
Hallway - High coved ceiling, original mosaic tiled floor. Deep skirting boards and and matching architrave to original Victorian pine panelled doors. Doors to morning room and flat. Victorian pine spindle staircase to upper floors.
Sitting Room/ Morning Room - South facing, high coved ceiling. Fireplace with over mantel and mirror. Coal effect electric fire. T.v aerial point
Double Doors Leading Through To Kitchen -
Kitchen/Dining - 15'11" x 13'7" (4.85m x 4.14m) - Fully equipped kitchen with Quarry tiled floor. Rangemaster double electric oven. Antique pine fitted base units , drawers and wall cupboards with recessed larder. Sink unit and cupboards. Double glazed doors leading out to private walled garden.
Two large vertical radiators
Doorway Leading To - Fully equipped utility area and cellar
Utility Room - Sink unit and drainer . Plumbing for dishwasher and washing machine . Space for fridge/freezer
Cellar - Slate steps and flagstone floor. Gas metre housed here.
First Floor Half Landing - Glazed door leading to large balcony with superb views of sea and land beyond..
Shower Room - Shower cubicle, sink and cupboard housing Worcester Bosch central heating boiler.
Landing - Study area at front. Doors leading to Large sitting room, two bedrooms.
Bedroom 1 (Side) - Pedestal hand wash basin, double glazed window , two double built in wardrobes. Views over landscape and sea beyond.
Bedroom 2 (Front Side) - Double glazed window to front and side.
En-Suite Bathroom - En suite bathroom with superb views to hills and sea beyond. D- shaped shower cubicle and separate bath. Cupboard housing lagged hot water tank.
Second Floor Landing - Double glazed window to rear with views over garden , and hills beyond.
Access via retractable ladder to part insulated and part boarded loft. Doors to four further rooms.
Bedroom 3 (Rear) - Cast iron fireplace. Velux window. Two double glazed windows to rear elevation with views to sea and hills beyond.
Bedroom 4 (Front) - Double glazed window to front elevation with distant sea views
Bathroom - WC , pedestal wash basin , bath ,velux window
Bedroom 5 (Front) - Kitchen units, wall cupboards and sink and drainer. Double glazed window to front.
Bedroom 6 (Rear) - Currently used as a store room.
Externally - Front
Enclosed boundary wall with wrought iron railings and matching high gates. Sensor lighting. Tarmac driveway with parking for several vehicles . Raised mature flower beds. Garage .
Victorian style walled garden with pond , cold water tap, well stocked. Garden store. Brick built out building with window door and lighting.
Self Contained Flat - Self contained flat;
Independent entrance door
Kitchen /dining area. Shower room, Separate W.C and sink unit.
Mosaic tiled floor doors to cloakroom, bedroom and lounge.
Lounge(front) .South facing, coved ceiling, bay window with seating surround, double glazed window.
Currently let at £485 pcm, tenants pay for council tax. This is an excellent flat, the income from which is a very valuable asset to the property.
Externally - Private parking. Garage with workshop area. Brick built Garden store one and garden store two.
Private walled patio area . Outside cold water tap.
Tenure - Freehold with Vacant Possession upon Completion of the Purchase.
Services - All mains services are connected. None of the services, appliances, central heating system, chimneys flues and fireplaces have been checked and no warranty is given by the Agents.
Negotiations: - All interested parties are respectfully requested to negotiate direct with the Selling Agents.
Outgoings - Council tax band F. Gwynedd Council, Cae Penarlag, Dolgellau, Gwynedd. Tel: 01341 422 341
Council tax band B for annex
Energy Performance Certificate - A full copy of the EPC is available on request or by following the link below:
Public EPC URL:
Viewing - By arrangement with the selling agents Tywyn office on - 01654 710 388
Route Directions: - From the office turn right proceed towards the railway station, keep going straight under the railway bridge and Sandcroft can be found on the right hand side opposite the Doctors surgery.
Website - To view a complete listing of properties available For Sale or To Let please view our website www.morrismarshall.co.uk Our site enables you to print full sales/rental particulars, book viewings, register your requirements on our mailing list and arrange a valuation of your property.
Ref - Tywyn Office: Tel: 01654 710 388
Ref: T14/75 Date: T14/75
Mmp Survey Department - If you dont find the home of your dreams through Morris Marshall & Poole then why not let our qualified surveyors inspect and report on the home you have found before you complete the purchase.
We are able to undertake RICS HomeBuyer Reports and RICS Condition Reports that will provide you with a comment on any significant defects or repair items. For further information contact any of our offices.
For further information contact - Roger N Lunt, FRICS - Tel: 01691 679595
More information from this agent
To view this media, please visit the on-line version of this page at www.rightmove.co.uk/property-for-sale/property-31478973.html?premiumA=true
Energy Performance Certificates (EPCs)
To view this media, please visit the on-line version of this page at www.rightmove.co.uk/property-for-sale/property-31478973.html?premiumA=true
Listing History
Nearest stations
- Tywyn (0.1 mi)
- Tonfanau (2.3 mi)
- Aberdovey (3.3 mi)
Nearest schoolsUse the school checker
To view this property or request more details, contact:
Morris Marshall & Poole, TywynHigh Street, Tywyn, LL36 9AD
How much will it cost me to call the number displayed on the site?
Standard geographic charges from landlines and mobiles apply and calls may be included in your telecom provider's call package.
To view this property or request more details, contact:
Morris Marshall & Poole, TywynHigh Street, Tywyn, LL36 9AD
How much will it cost me to call the number displayed on the site?
Standard geographic charges from landlines and mobiles apply and calls may be included in your telecom provider's call package.
Map & Street View
View in fullscreenView in fullscreen
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Nearest stations
- Tywyn (0.1 mi)
- Tonfanau (2.3 mi)
- Aberdovey (3.3 mi)
To view this property or request more details, contact:
Morris Marshall & Poole, TywynHigh Street, Tywyn, LL36 9AD
How much will it cost me to call the number displayed on the site?
Standard geographic charges from landlines and mobiles apply and calls may be included in your telecom provider's call package.
There are no nearby secondary schools found.
Nearby Schools:
Due to the frequency with which Inspection bodies, such as Ofsted, provide us with updates, there could be a delay of up to 8 weeks between a rating being updated and it being displayed on Rightmove. This data is provided for informational purposes only and Rightmove plc does not accept any liability for decisions based on this data. The data is sourced from 192.com. 192.com Ltd. does not accept responsibility for any inference or conclusion derived from the data by third parties.
Market Info
Disclaimer - Property reference 10006202A_6202. The information displayed about this property comprises a property advertisement. Rightmove.co.uk makes no warranty as to the accuracy or completeness of the advertisement or any linked or associated information, and Rightmove has no control over the content. This property advertisement does not constitute property particulars. The information is provided and maintained by Morris Marshall & Poole, Tywyn. Please contact the selling agent or developer directly to obtain any information which may be available under the terms of The Energy Performance of Buildings (Certificates and Inspections) (England and Wales) Regulations 2007 or the Home Report if in relation to a residential property in Scotland.
Map data ©OpenStreetMap contributors.


text:
Committee on Climate Change
Committee on Climate Change
News Article | April 17, 2017
Site: www.treehugger.com
It was recently reported that UK emissions are now as low as they were when Queen Victoria was in power. That's an incredible achievement. And given the very real societal, environmental and economic costs of climate change and air pollution, it's an achievement that should easily pay for itself even if energy bills rise as a result. But here's the thing: The low carbon transition hasn't actually pushed up bills. As Business Green reports, analysis from the Committee on Climate Change (CCC) has revealed that while the direct costs of subsidizing renewables and energy efficiency programs have added £9 (around US$11 in post-Brexit Britain) per month to the average household energy bill in 2016. But that added cost was more than offset by a £20 decrease attributed to increased energy efficiency gains—gains that have in large part been supported by the subsidies for efficiency. This is very good news. While pro-fossil fuel special interests continue to decry the costs of going green, the fact is that an aggressive push for renewables and efficiency ought to help the average pocketbook. And that's before you even factor in the negative costs of pollution that'll disproportionately impact lower income communities. In many ways, it's the same story in the States. While car companies successfully lobby for gutting fuel efficiency standards—and cite upward pressure on car prices as justification—the real truth is that car prices are rising primarily because of gadgets, gimmicks and additional safety features. Consumer groups have been adamant that stricter fuel economy standards will help, not hurt, the average car buyer. James Murray, editor of Business Green, is unequivocal in his opinion of what reports like this mean for the green economy. And he directly contrasts this vision with the short-term, anti-environmentalist thinking which is prevalent in some parts of the world: "President Trump is continuing with his semantic-bending experiment to deliver clean air and water by torching air and water regulations. But Spring is coming, the sun is shining, and quietly, inexorably, the idea that a genuinely sustainable economy can be delivered is starting to look less like an environmentalist pipe dream and more like the inevitable by-product of an unstoppable technological revolution." Let's just hope we get there fast enough.
News Article | May 16, 2017
Site: www.theguardian.com
The UK is set to reap the whirlwind of climate change with the huge damage caused by wind storms expected to increase sharply, according to new analysis. Even the minimum global warming now expected – just 1.5C – is projected to raise the cost of windstorm destruction by more than a third in parts of the country. If climate change heats the world even further, broken roofs and damaged buildings are likely to increase by over 50% across a swathe of the nation. The research shows all of the UK is on track to see rises in high winds except the south and south-west, with the greatest impact across the Midlands, Yorkshire and Northern Ireland. This is because the main storms that barrel in off the Atlantic are expected to move their track northwards as the planet warms, a phenomenon linked to the rapid melting being seen in the Arctic. Flooding is the most high-profile impact of climate change on the UK. But the overall cost of wind storms is actually higher, as a result of a much larger number of smaller incidents, and currently runs at an average of about £1bn a year. Extreme wind storms can occur, though, and in 1990 the Burns' Day storm resulted in 47 deaths, as well as more than £2bn of insured damage and many millions more in damage to roads, power lines and uninsured properties. The new work was commissioned by the Association of British Insurers (ABI), which is concerned by the rising impacts of climate change on its customers, and was carried out by the consultancy Air Worldwide and the UK Met Office. "It is absolutely a concern that we are going to be living in a world where overall there are higher wind storm losses," said Matt Cullen, the ABI's head of strategy. "That inevitably transfers through to insurers having to raise premiums and hold more capital. We want to make sure we live in a world where risk is controlled and understandable and we can offer insurance in a reliable and sensible way." Homes and buildings have lifespans of many decades and so work done now should make them better able to withstand the buffeting of severe winds, Cullen said. He said there was a concern that, while the risks of climate change are now being included in policies, there was little to ensure the protections needed are actually implemented. The research used sophisticated Met Office climate models to examine how wind storms are likely to change in frequency and intensity with different levels of global warming. "We will probably see an overall reduction in the number of storms, but an increase in the frequency of the most intense storms, and of course those are the ones that cause the [most] damage," said Peter Sousounis, director of meteorology at Air Worldwide. This data was then used to calculate the changes expected in the cost of damage resulting from the stronger storms and the researchers found significant increases in most parts of the UK. This was not entirely unexpected, said Sousounis. "We have seen enough results from catastrophe models to really not be surprised. Small changes in wind speed can have a huge impact on losses," he said. "Losses go up almost exponentially with increasing wind speed." Cullen said: "The likelihood of claims resulting from severe storms increasing in the future is something the insurance industry, and society, need to start preparing for now. Planners and builders should be aware of the need for more wind-resistant construction in specific areas of the country if claims are to be kept to a minimum and residents spared the distress and expense of higher levels of wind damage." The government's official advisers, the Committee on Climate Change, warned in 2016 that UK is poorly prepared for the inevitable impacts of global warming in coming decades, including floods, deadly annual heatwaves and water shortages. It also warned: "Any increases in maximum wind speeds with climate change experienced during storms would have significant implications for many infrastructure networks," such as roads and railways and power and communication lines.
News Article | May 11, 2017
Site: www.theguardian.com
Fears of a drought are rising after an exceptionally dry spell and water companies are asking customers to save water, but the vast amount of water that leaks from company pipes every day has not fallen for at least four years, according to a Guardian analysis. Furthermore, many companies in the parched south and east of England have been set leak reduction targets for 2020 of zero or even targets that could allow leakages to increase. Critics blame a system where it is "cheaper to drain a river dry than fix a leak" and say it is unfair to place the water saving burden on customers while 20% of all water leaks out before it even reaches homes. The UK has seen the driest October to March period for 20 years followed by an extremely dry April in England and Wales, where rainfall was two-thirds below normal, leaving many farmers worried. River flows are now below normal in 35 out of 41 sites monitored by the Environment Agency. In the populous south-east region in April, rainfall was just 20% of the long term average. Middlesex was the driest county with just 12% of expected rain, while central London had only 9%. The outlook for the next few months remains dry. The lack of rain, called "particularly acute" in the south-east by the Centre for Ecology and Hydrology, prompted some water companies to ask customers to save water by, for example, ensuring washing machines and dishwashers are fully loaded. But data from the water industry regulator Ofwat shows more than three billion litres of water leaks every day, a level unchanged for at least four years and just 7% lower than the level in 2000. Major companies across the south and east, including Thames, Anglian and Southern have seen no significant reduction and one company, Essex and Suffolk Water has seen leaks rise by 15%, according to the Ofwat figures. The leak reduction targets set by Ofwat for the period 2015 to 2020 are zero for six companies in the south and east and for Anglian, Southern and Essex and Suffolk, the targets would allow more leakage than the levels already achieved by the companies. 'The fact that water companies have made no progress in reducing water leakage over the past four years highlights the lack of focus and pressure from government on this issue," said Sue Hayman, shadow environment secretary. "It is unfair that consumers are being asked to save water when companies are set unambitious targets." Rose O'Neill, water policy manager at WWF, said: "Customers routinely tell companies [reducing leaks] is their top priority, yet a third of all water that is taken from the natural environment is still wasted, through leaky pipes, inefficient processes, and waste in the home." She said water companies and Ofwat account for the cost of fixing leaks but not of taking water out of the environment: "This means it is cheaper to drain a river dry than fix a leak and is one of the reasons we have seen so many rivers dry up this spring." Ofwat said water companies have to compare fixing leaks with other options, such as driving down customer demand or taking more water from rivers and acquifers, and said companies face financial penalties if leakage targets are missed. The next targets will be set in 2019 and a spokeswoman said: "We have proposed a series of measures to make leakage performance commitments more stretching." The government's official advisers, the Committee on Climate Change (CCC), warned in 2016 that water shortages were one of the most serious impacts of global warming in the UK, with even modest temperature rises leading to "severe" water shortages in England. The CCC said measures to reduce both leakage and demand are needed. Thames Water is the biggest water company in England and also the leakiest, with 20,500 litres escaping every day per kilometre of main, more than double the national average, and equating to 171 litres per property per day. "We are determined to bring the rate down," said a company spokesman. "But large scale mains replacements are disruptive, especially with two-thirds of our network running under the busiest and hardest to reach roads in London." A spokesman for Essex and Suffolk Water said: "Our leakage target has been the same since 2010 and is agreed with Ofwat based on the most efficient use of our customers' money." He said the company had one of the lowest leak rates when measured per property and that recent rises were due to variable weather and remained below the Ofwat target. Southern Water has been set a target of 87m litres per day on average from 2015-2020, though this is above the actual leakage in 2015-16 of 84Ml/day. A spokesman said freezing winters cause more burst pipes: "Therefore, we try to outperform our target during mild winters, so when we have a harsh winter we have some room to take the adverse weather into account." Paul Valley, a director at Anglian Water, said Ofwat's leakage targets were too weak. "We don't believe it's good enough to stop at the targets set by our regulator, not when reducing leakage is so important to customers and so vital for us in this dry part of the country. Addressing the challenge of leakage is one of the reasons we can be confident that there won't be a hosepipe ban in the Anglian Water region this summer." He said the company is aiming to beat the 2020 target set by Ofwat by 10%: "We're going further than most of the industry. This is a plan that our customers explicitly supported when we spoke to them about it."
Agency: GTR | Branch: EPSRC | Program: | Phase: Research Grant | Award Amount: 5.75M | Year: 2013
We propose an End Use Energy Demand (EUED) Centre focused on Energy Epidemiology to be located at the multidisciplinary UCL Energy Institute (UCL-Energy), which undertakes research on energy demand and energy systems. Energy Epidemiology uses data and modelling to study energy use in the real world, with the aim of understanding the interactions of policy, technology, infrastructure, people and culture. The Centre for Energy Epidemiology (CEE) will: undertake primary data collection; advise on data collection; provide secure and ethical curation of a wealth of administrative, commercial and research data; link, develop and use innovative research methods; and support a structured research programme on energy demand intended to achieve a major reduction in UK carbon emissions. CEE will provide key research and policy insights at city, regional, national and international levels. It will support UK academics, policymakers and industry to research energy demand, by providing a cost-effective, secure and ethical bureau service for energy and related data. It will work closely with the new cross-government Energy Efficiency Deployment Office (EEDO) of DECC, the Energy Saving Trust, UK Energy Research Centre (UKERC) and the new Open Data Institute (ODI) to marshal and maximise the value of existing and very large future sources of energy-related data (big data), ensuring the greatest impact for evidence-based energy demand research. The Centre will initiate and be a key player in an international network of energy epidemiologists, sharing research methods and undertaking cross-cultural comparisons of policies and technologies to reduce energy demand and to help the UK to meet its carbon targets. UCL-Energy: - has a clear focus on energy demand and its interaction with energy supply systems - this has been the core focus of UCL-Energy since its launch, with full UCL support, 35 months ago. - is multi- and interdisciplinary with lawyers, economists, social scientists, engineers, physicists, psychologists, architects, mathematicians and policy analysts co-located in open plan offices facilitating collaborative work. It has successfully worked with researchers from anthropology, English literature and history on energy demand problems. - makes an impact by supporting policy makers and industry to both set and achieve UK carbon targets. Examples of such support include the Green Deal, CCC budgets, smart meter rollout, and the development of products for reducing energy demand. UCL-Energy is the only university centre that has officially advised DECCs new EEDO, whose focus is squarely on EUED. - undertakes research of the highest quality; its staff were recognised as world leading by two successive EPSRC Platform Grant reviews. Roughly half its staff were submitted in the Built Environment UoA (30), for which UCL received the highest percentage (35%) of internationally leading staff (4*) in the UK. It holds the grant for the only Centre for Doctoral Training in energy demand. - is not sector-specific; it covers all energy uses and applies methods across sectors e.g. transport and buildings. - is managed as a coherent centre - this is facilitated by placing all staff under a single budget centre with a clear management structure. UCL-Energy is advised and guided by a prestigious International Advisory Board with CEOs and directors from leading companies around the world. - has leveraged a wide range of funding. From an initial UCL investment of £680k, it has so far raised £10m of external funding, including £2m from industry. - has strong leadership - its Director, Professor Tadj Oreszczyn has established a new academic department at UCL in less than 3 years, advises government at senior level, is on the boards of key organisations and has written several strategic papers on the future direction of energy demand research. - has critical mass and sustainability: UCL-Energy has 80 staff and PhD students
News Article | June 9, 2016
Site: www.theguardian.com
Carbon dioxide has been pumped underground and turned rapidly into stone, demonstrating a radical new way to tackle climate change. The unique project promises a cheaper and more secure way of burying CO2 from fossil fuel burning underground, where it cannot warm the planet. Such carbon capture and storage (CCS) is thought to be essential to halting global warming, but existing projects store the CO2 as a gas and concerns about costs and potential leakage have halted some plans. The new research pumped CO2 into the volcanic rock under Iceland and sped up a natural process where the basalts react with the gas to form carbonate minerals, which make up limestone. The researchers were amazed by how fast all the gas turned into a solid – just two years, compared to the hundreds or thousands of years that had been predicted. "We need to deal with rising carbon emissions and this is the ultimate permanent storage – turn them back to stone," said Juerg Matter, at the University of Southampton in the UK, who led the research published on Thursday in the journal Science. Matter said the only thing holding back CCS was the lack of action from politicians, such as putting a price on carbon emissions: "The engineering and technology of CCS is ready to be deployed. So why do we not see hundreds of these projects? There is no incentive to do it." The Iceland project has already been increased in scale to bury 10,000 tonnes of CO2 a year and the basalt rocks used are common around the world, forming the floor of all the oceans and parts of the land too. "In the future, we could think of using this for power plants in places where there's a lot of basalt and there are many such places," said Martin Stute, at Columbia University in the US and part of the research team. Testing has taken place in the Columbia River Basalts, extensive deposits in Washington and Oregon in the US. India, which has many polluting coal power plants, has huge basalt deposits in the Deccan Traps. One potential challenge for the new technique is that it requires large amounts of water: 25 tonnes for each tonne of CO2 buried. But Matter said seawater could be used, which would be in plentiful supply at coastal sites. Another is that subterranean microbes might break down carbonate to methane, a powerful greenhouse gas, but this was not seen in the Iceland research. The research, called the Carbfix project, took place at Iceland's Hellisheidi power plant, the world's largest geothermal facility. The plant pumps up volcanically heated water to run electricity-generating turbines but this also brings up volcanic gases, including carbon dioxide and nasty-smelling hydrogen sulphide. The researchers re-injected 230 tonnes of the gas, which was dissolved in water to prevent it escaping, down into the basalt to a depth of 400-500m. They used tracer chemicals to show that over 95% of CO2 was turned into stone within two years, "amazingly fast" according to Matter. Edda Aradottir, who heads the project for Reykjavik Energy, said: "It was a very welcome surprise." The Iceland project has now begun scaling up to bury 10,000 tonnes of CO2 a year, plus the hydrogen sulphide which also turns into minerals. The Columbia University group are also investigating another rock type, found in Oman, which may be able to turn CO2 into rock even better than basalt. In conventional CCS, the CO2 is stored as a gas in sedimentary rocks such as exhausted oil fields under the North Sea. Unlike basalt, these rocks lack the minerals needed to convert CO2 into stone. Such sedimentary reservoirs could potentially leak and therefore have to be monitored, which adds to costs. They have also raised concerns from the public and projects on land in the Netherlands and Germany have been halted as a result. "In Europe you can forget about onshore CCS," said Matter. Conventional CCS also requires the CO2 to be separated from the mix of gases emitted by power stations and industrial plants, which is expensive. But the basalt-based CCS does not require this. However, Matter said there would still be a role for conventional CCS in places where power plants are close to good reservoirs. Stuart Haszeldine, professor of CCS at the UK's University of Edinburgh and not involved in the new research said it was promising: "This is terrific. It may well provide a low-cost and very secure remedy for parts of the world where the suitable rocks exist. [But] this needs to be used as well as all the existing propositions, because the problem to be solved of thousands of million tonnes of CO2 emissions per year in the world is immense and no single remedy is anywhere near big enough or fast enough." The UN's Intergovernmental Panel on Climate Change has concluded that CCS is hugely important to tackling climate change in the most cost-effective way. Without CCS, the costs of halting global warming would double, the IPCC said, an assessment with which the UK government's advisers, the Committee on Climate Change, agrees. However, the UK government cancelled a pioneering £1bn CCS competition in November. Globally, CCS has not developed as quickly as hoped, although some companies are using CO2 injection to drive more oil and gas from older fields. Haszeldine said there have been over 100 injections of CO2 gas in different countries worldwide since 1972, none of which are known to have leaked. Other innovative approaches to CCS are being explored, including an ExxonMobil-backed project using fuel cells to make capturing CO2 cheaper and one from Ford which uses CO2 to make foam for use in their vehicles. Groups are also working on chemical advances to capture CO2 more easily.
News Article | October 6, 2016
Site: www.theenergycollective.com
The last 18 months have been a major set-back in the British policy landscape affecting carbon emissions from buildings: the trajectory to zero carbon new build has been paused; Government support for Green Deal finance was withdrawn with no alternative mechanisms in place to encourage and enable investment by able-to-pay households; government announced that funding from the Energy Company Obligation will be reduced again; and a review of business energy taxes has led to proposals for a new tax structure but, as yet, no coherent supporting framework to encourage energy efficiency action. This is despite the fact that an increase in policy action is required: In June, the 5th Carbon Budget was adopted by Government setting firm carbon targets for the period from 2028 to 2032. Parliament approved them in July. Reaching those targets will require bold and ambitious policy action across all sectors. However, new research by the Association for the Conservation of Energy and the Regulatory Assistance Project paints a worrying picture of the UK's prospects for achieving its carbon targets in the building sector: the Government's own projections for abatement show that the UK will not meet the 5th Carbon Budget in buildings. Taken together, policies as they currently stand are projected by the Department of Business, Energy & Industrial Strategy (BEIS) to achieve a 21% cut in direct emissions from buildings by 2030 compared to 1990, just 12% below the 'business as usual' emissions for 2030. This means that the UK's emissions from buildings will exceed those recommended by the Committee on Climate Change for the 5th Carbon Budget, in 2030, by 18%. Worryingly, a large part of the projected abatement from buildings (85%) is considered by the Committee on Climate Change to be 'at-risk', and after the vote to leave the EU there is uncertainty around which previously EU driven policies driven will remain. In other words, the majority of projected emissions abatement from buildings is seen as uncertain and may not be achieved. It may not be technically possible, and it is certainly not economical, to close this abatement gap in the power, transport and industrial sectors instead. Consequently, we need to de-risk, reform, extend and expand existing policies, but also introduce new instruments in order to speed up carbon abatement in the buildings sector. Additional regulatory policies such as Energy Efficiency Standards at point-of-sale (as is currently being implemented in France and considered in Scotland) are needed and new build standards need to be tightened towards zero carbon or nearly zero energy. Alongside, a substantial financing scheme offering low-interest loans is required to enable households and businesses to upgrade their properties and make them fit for a low-carbon future. Our research shows that the benefits of meeting the 5th Carbon Budget in buildings justify considerable public and private investment to capture them. We quantified the main costs and benefits generally considered for formal policy impact assessments, calculated in accordance with official guidance. The result is that the benefits exceed the costs to a similar degree as High Speed 2 (a planned high-speed railway linking London to the north of the UK) and the smart meter rollout. This means that there is a strong economic case for investing in upgrading the UK's building stock. We estimate the net benefit from energy savings, emissions savings, improved air quality and health, and comfort and productivity to be in excess of £45bn. And this figure does not include the value of employment needed across the country to deliver the 5th Carbon Budget in buildings, the value of avoided gas imports and improved energy security, the GDP boost it would deliver nor the additional revenue it would generate for the public coffers. Ensuring this happens depends on the creation of a robust and long-term policy framework that supports the development of sustainable markets for low carbon retrofit and construction. The most strategic opportunity at which such a step-change can be signalled is in the forthcoming Carbon Plan; the Building Renovation Strategy due next spring also presents an opportunity. Pedro Guertler is Research Director for the Association for the Conservation of Energy (ACE) Dr Jan Rosenow is a Senior Research Fellow for the Centre on Innovation and Energy Demand, based in SPRU at the University of Sussex and a Senior Associate at the Regulatory Assistance Project
News Article | February 23, 2017
Site: www.bbc.co.uk
Heathrow expansion can only be justified if the government proves it will not breach laws on climate change and pollution, MPs say. Ministers say a third runway will not exceed environment limits. However, the Commons Environmental Audit Committee has accused the government of "magical thinking" - wishing the problem away without a proper solution. They say ministers must show the expansion will not fuel climate change. Committee chair Mary Creagh told BBC News: "There's plenty of talk about how the government wants to solve environmental problems at Heathrow, but a total absence of any policy guarantees. "The implication of this is that they think other sectors of the economy like energy and industry are going to have to cut their carbon emissions even more so people can fly more - but the government's been told by its own advisors (the Committee on Climate Change) that's not possible." The MPs also criticised the government's reliance on a projected increase in electric vehicles on the roads to keep local air pollution within safe limits. "The government has missed already its targets for electric vehicles," Ms Creagh said. "Our committee has no confidence it will meet its target for 2020 or 2030. Ministers have got to put proper policies in place instead of relying on magical thinking." What are your solutions for air pollution? The committee previously urged a step change in the way the government tackles environmental issues at Heathrow, but says there is little evidence this has happened. The UK has already breached EU limits in London for the pollutant NO2 for 2017. The committee says a new air quality strategy is urgently needed to ensure that airport expansion does not harm public health. The government has said after Brexit that EU environmental laws will be imported wholesale into the UK, but the MPs say they have seen no guarantees that the government will keep pace with future EU air quality laws. The report calls on the ministers to implement an alert system for nearby residents who are especially vulnerable to short-term exposure to air pollution. On climate change, the MPs complain that international aviation emissions from an expanded Heathrow will be 15% higher than the level previously set for 2028-32. They say the government must show how the slack will be taken up by other sectors of the economy, which are already struggling to meet their own emissions targets. They say measures on noise lack ambition, with no precision on the timing of a night flight ban and little evidence that predictable respite can be achieved. The report was welcomed by John Stewart, the chair of HACAN, the campaign group that opposes Heathrow expansion. "The government and Heathrow Airport have got to up their game big-time if they are to have any chance of getting a third runway," he said. "They have got to prove they can deliver on noise, climate and air pollution - not just say they can." The report comes just weeks after the government launched a public consultation on a third runway, which ends on 25 May. Later this year or early next year MPs are expected to be asked to vote on the runway. A Department for Transport spokesman said: "We take our air quality commitments extremely seriously and have been very clear that the new runway will not get the go-ahead unless air quality requirements can be met." The spokesman said the government has no plans to "water down" its ambitions on cutting aviation emissions and remains committed to meeting emission reductions targets under the Climate Change Act.
News Article | December 26, 2016
Site: www.theguardian.com
Major flooding in the UK is now likely to happen every year but ministers still have no coherent long-term plan to deal with it, the government's leading adviser on the impacts of climate change has warned. Boxing Day in 2015 saw severe floods sweep Lancashire and Yorkshire, just weeks after Storm Desmond swamped Cumbria and parts of Scotland and Wales. The flooding, which caused billions of pounds of damage, led to the government publishing a review in September which anticipates 20-30% more extreme rainfall than before. But Prof John Krebs, who leads the work on adapting to global warming for the government's official advisers, the Committee on Climate Change (CCC), told the Guardian: "We are still a long way from where we need to be, in that there is still not a coherent long-term view." Lord Krebs said it was important for both government and households to learn from the run of floods that have affected many parts of the country in recent years. "Almost every year there has been some more or less major flooding event and that is a key message," he said. "We have to now get it embedded that this is something that will happen somewhere most years." Increased flooding is the biggest impact of climate change for the UK, but the CCC has also warned that the nation is poorly prepared for deadly annual heatwaves, water shortages and difficulties in producing food. However, Krebs, who is stepping down from his CCC role after eight years in January, said: "There is still hope this country will make the progress it needs to make." Pressure to act now must continue from the CCC in its watchdog role and from the public, he said: "This is not something in the long-term future, this is something here and now. But it will also be worse for your children and grandchildren than it is for us, unless we do something about it. "At the extreme end, parts of the world could become uninhabitable and there could be mass migration," Krebs said. "At the more modest end, we are likely to experience more extreme weather events in this country and we need to prepare for that." Krebs also said ministers would regret cutting flood protection measures for new homes. New laws passed earlier in 2016 aim to drive the building of 1m new homes but Krebs, an independent member of the House of Lords, said he was disappointed ministers had rejected proposals to cut the risk of the homes flooding and make them cheap to heat. "The imperative to build more homes was overriding anything that might get in the way and I think the housebuilders got at the Department for Communities and Local Government to say all of this is going to be costly and difficult," he said. "It isn't [costly] really, but they just want to get on and build homes according to the bog-standard, simple template and not have to worry about whether the development is sustainable in terms of carbon footprint and flood risk. In 20 years time, people will look back and say, 'What were they thinking?'" The CCC has also warned the government that there are no plans to deliver half of the cuts in carbon emissions needed in the 2020s, a caution Krebs likened to a yellow card. On the third runway at Heathrow, Krebs said the government had not been clear whether the plan meant carbon emissions from planes would remain under the limit recommended by the CCC. "Is it crazy [to build it]? We don't know yet," he said. But if the new Heathrow runway were built and the government stuck to the CCC limit, growth at other airports would be severely constrained, he said: "The big concern will be for the regional airports where there will be very little room for growth. So if Manchester, Birmingham, Edinburgh have aspirations, they may be dashed." Krebs said rejection of human-caused climate change and its great risks – which he calls denial – is a "fringe discourse", with 114 of the world's nations already having ratified the global climate deal signed by 194 countries in Paris a year ago. But he said: "We shouldn't be complacent because those dissenting voices are well-organised, funded and persistent. One has to be strong in the message that the risks are so great that taking out insurance [by acting] now is well worth it."
News Article | September 14, 2016
Site: cleantechnica.com
New figures have shown that Scotland met its 2014 emissions reduction target, outpacing the United Kingdom as a whole in both 2014 and overall since 1990 — but experts believe there is still a lot of work to be done. According to figures published in a new report this week for the Scottish Government by the UK's Committee on Climate Change (CCC), Scotland met its 2014 emissions reduction target, with emissions including international aviation and shipping falling by 8.6% in 2014. Conversely, the United Kingdom as a whole only managed to reduce its emissions by 7.3% in 2014, and since 1990, gross Scottish emissions have fallen nearly 40%, compared to the UK's nearly 33%. Net emissions show an even more impressive story for Scotland, falling 13% in 2014 down to 41.886 MtCO2e — 5.1 MtCO2e below the target set by the country in 2009, and bringing its emissions down 45.8% below 1990 levels. This puts the country well on track to meet its 2020 interim target of reducing emissions by 42% below 1990 levels, on its way to cutting emissions by at least 80% below 1990 levels by 2050. The report, Reducing emissions in Scotland — 2016 progress report, is the CCC's fifth report on Scotland's progress toward meeting its emission reduction targets, and lays out the progress that has been met already and the action needed to stay on track. The authors note that Scotland is making good progress over a number of areas, and in many cases is leading the UK as a whole. Deployment both at a utility-scale and at community- and local-scale have seen impressive progress, and the country's energy efficiency policy is described as "well developed, especially compared to that in England." "Scotland continues to lead the UK both in performance and ambition when it comes to tackling climate change," explained Lord Deben, Chairman of the Committee on Climate Change. "Emissions are reducing and the latest targets have been hit. Scotland has set out its intention to meet the challenges of climate change and its contribution to the ambition agreed at the Paris climate conference last December. New policies are now required for Scotland to continue its commendable path to decarbonising its economy." However, the Committee on Climate Change tempered its enthusiasm and praise for Scotland's efforts by reminding that there is still much more that needs to be done if Scotland is to meet its high ambition and tighter targets extending beyond 2020. There is a need for stronger policies in the upcoming Climate Change Plan which is set to be published in the next few months, which will look to introduce policies intended to tackle reducing greenhouse gas emissions in key sectors. Such policy recommendations made by the CCC include: The following infographic was published by the Committee on Climate Change, explaining how greenhouse gas emissions are reducing in Scotland. Buy a cool T-shirt or mug in the CleanTechnica store! Keep up to date with all the hottest cleantech news by subscribing to our (free) cleantech daily newsletter or weekly newsletter, or keep an eye on sector-specific news by getting our (also free) solar energy newsletter, electric vehicle newsletter, or wind energy newsletter.
News Article | March 19, 2016
Site: cleantechnica.com
The UK government will be enshrining the net-zero emissions climate change goal that resulted from the COP21 talks in Paris into law, following advice from the Committee on Climate Change, according to recent reports. The news was revealed by the UK's Energy Minister Andrea Leadsom to the House of Commons earlier this week. Leadsom commented that the government was working to "build on the momentum of Paris" — and also that a plan for the means of putting the net-zero emissions goal into law would be forthcoming sometime later in 2016. The implication of this all is that the UK's legal target for emissions reductions will be increased from an 80% reduction (as compared to 1990 levels) by the year 2050 to a net-zero target by the same date. "The government believes that we will need to take the step of enshrining the Paris goal for net-zero emissions in UK law," stated Leadsom. "The question is not whether but how we do it. There is an important set of questions to be answered before we do. The Committee on Climate Change is looking at the implications of the commitments in Paris and has said it will report in the Autumn. We will want to consider carefully the recommendations of the Committee." To become truly "net-zero" the UK would need to somehow completely decarbonize sectors such as agriculture, heating, and transportation. Not a simple task to do so, while still remaining internationally competitive. Of course there are a number of loopholes still in place for many industries (with regard to carbon emissions accounting), and who knows if they will ever be done away with, so it's hard to say what "net-zero" really means in his instance. Image by @Doug88888 (some rights reserved) Get CleanTechnica's 1st (completely free) electric car report → "Electric Cars: What Early Adopters & First Followers Want." Come attend CleanTechnica's 1st "Cleantech Revolution Tour" event → in Berlin, Germany, April 9–10. Keep up to date with all the hottest cleantech news by subscribing to our (free) cleantech newsletter, or keep an eye on sector-specific news by getting our (also free) solar energy newsletter, electric vehicle newsletter, or wind energy newsletter.


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Montreal's unique and affordable housing stock is providing investors with a golden opportunity
The city's growth as a leading mortgage destination is buoyed by its strong economic fundamentals, especially when compared to other Canadian markets
Are you looking to invest in property? If you like, we can get one of our mortgage experts to tell you exactly how much you can afford to borrow, which is the best mortgage for you or how much they could save you right now if you have an existing mortgage. Click here to get help choosing the best mortgage rate
Toronto is not Paris, Hong Kong , New York or even Chicago. Paris may have a similar population however France has more then twice the population as Canada on a land mass that is a fraction of the country of France. France is 248,573 square miles. Canada 3.855 million square miles. Do you think there may be more of a population density factor here? I know Toronto has suffered an inferiority complex for decades and has been trying to get recognition and acceptance as a world class city but it has a long long way to go.
I'd like to meet the person who, with an average income of $49,795, considers a $440,300 mortgage affordable within nine years.
Me too! People don't seem to understand the costs involved here. I guess if you are a dink (double income, no kid(s) ) family and the property appreciates in value by 10% a year......That doesn't help pay off the debt though. Maybe the idea is to refinance in 10 years time when your salary has doubled? Good luck with that last part. However, every so often Money Sense magazine has surveys. Apparently 1/3 of the population expects to win a lottery in order to afford retirement.
Just fill in a few details, and we'll arrange for a Mortgage adviser to help you find the best mortgage for your needs
Blue Pearl Mortgage Group Inc. is expanding its footprint once again, this time with services in Ontario
Transit City Condos is a new 55-storey development located next door to new Vaughan Metropolitan Centre
For new investors, it's easy to get overwhelmed by facts, figures, formulas, and different investment calculations. Our goal today is to demystify the most important condo investing terms that you need to know


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Blue and gold faux finish, with white fur bench in renovated Manhattan apartment by Ritu Saheb, Architect, AIA
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Arched wIndow detail of a 120 year historic building we rehabilitated in downtown Brooklyn.
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We added a penthouse and terrace in this historic West Village townhouse with FZAD.
Double townhouse, Manhattan
We combined two apartment buildings into a 13,000 sf townhouse with FZAD.
New building Brooklyn
Apartment building conceptual design by Ritu Saheb, architect, AIA in Brooklyn, New York
Residential architect in NYC- Ritu Saheb, Architect, AIA
Ritu Saheb, Architect, AIA is a residential architect in NYC available for your kitchen and bathroom design and renovations.


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Donald Trump has named retired Army Lt. General Michael Flynn as his National Security Adviser to be installed when he is officially sworn in as president.
Flynn has made his mark with various comments on the record attacking the Islamic faith and its believers.
He said that "fear of Muslims is rational" and like Trump he has said that he believes that the families of terrorists – whether there is any evidence they had any involvement in crimes – should be killed as an example.
Flynn quit the Defense Intelligence Agency in 2014, complaining that "political correctness" was interfering in fighting terrorism. For Trump and many of his supporters, invoking "political correctness" has often meant a desire to express racist or sexist beliefs that are seen by most to be unacceptable public discourse.
There are also strange ties between Flynn and the Russian government of Vladimir Putin. Flynn was paid by RT, the news network financed by the Russian government, for an appearance at their anniversary gala. Flynn was also seen at a formal dinner with Putin, though as a former military officer he did not notify the Army as is standard behavior for someone who had access to intelligence as Flynn did.
Flynn also retweeted a message from an anti-Semtic follower to his Twitter account. The message said, "Not anymore, Jews. Not anymore." After he was called out for posting the message, Flynn claimed that it had been a mistake.


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I have a stopped up milk gland. I have tried hot compresses, hot and cold compresses, drink hot liquids and massage the area. None of it has helped. I'm still breastfeeding and my baby will not eat off that side. What should I do?Answer Question
Answer by momluja at 5:14 PM on Mar. 1, 2009
Answer by momluja at 5:15 PM on Mar. 1, 2009
Answer by gdiamante at 5:57 PM on Mar. 1, 2009
Answer by myangelelena at 6:25 PM on Mar. 1, 2009
Next question in Health
Is low self esteem considered a medical problem?
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What ever happened to Haleigh Cummings?


text: Is math a war zone in your homeschool? Or are your children a casualty of the latest math education trends in the public schools? Sequential? Spiral? American? Asian? And what about manipulatives? Choosing math curriculum seems so complicated. But a look at the "battlefield" through the lenses of Rainbow's FAMILY factors will bring clarity. In this video, Rainbow Resource homeschool consultant Janice Price starts with an overview of the history of math education in the US, continues with a look at what needs to be learned when, and concludes with a comparative look at many popular math programs.


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Leyte is one of the eastern islands, north of Mindanao. Notes from this province are fairly difficult to locate, and are usually found in lower grades.
In April of 1942, the JIM notes were ready for distribution. The existing Philippine currency was to be redeemed for the JIM by the end of June 1942. The shipment of notes to Leyte was lost, and so the local military commander ordered that the deadline for redemption be postponed, and that all currently circulating notes be registered, and hand stamped as such. Each municipality was to do this by July 1942. Most of the notes in circulation at the time where from Cebu, therefore you will occassionally encounter a Cebu note with a Leyte counterstamp for registration during this period.
Once the JIM notes arrived, the stamped notes that were in circulation where to be presented for exchange. Most were not.
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Phil Coulson comes back to life in S.H.I.E.L.D. tv series
MANILA, Philippines - Wipe the tears you shed when Loki killed Phil Coulson in The Avengers.
He's about to come back to life and in action — smooth and suave as ever.
This, according to a report from Geek Tyrant posted November 6.
The series titled S.H.I.E.L.D. will be independent from The Avengers movie, and it won't be necessary to have seen the Avengers films to understand and appreciate the story.
The only "connection" with The Avengers is the movie's director Joss Whedon whom Geek Tyrant reports is "hard at work with Marvel" along with Jed Whedon [screenwriter and Joss' brother] and Maurissa Tancharoen [television producer and writer] in developing the series.
"There will generally be new characters and agents who are not superheroes," says a statement posted by Geek Tyrant. "And even though they are a large organization, they will be underdogs since they still exist in that superhero universe."
Clark Gregg returns as Agent Phil Coulson, the lovable role he played in Iron Man I & II, Thor andThe Avengers. He will be the center of the story.
Actress Ming-Na Wen — a Screen Actors Guild Awards nominee — will play Agent Melinda May, an ace pilot and weapons expert.
As of press time, there is no news on when the first season will premiere, but production is sure to start this coming January.
Los Angeles and New York casting directors are now holding auditions for regulars, recurring roles and guest stars. - Rappler.com


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LAT Home
Real Estate Industry
Disney Studios under the Ross administration
November 23, 2009
The Ross administration FIRST 50 DAYS Oct. 5: Named studio chairman Oct. 30: Miramax Films president Daniel Battsek fired Nov. 9: Distribution veteran Mark Zoradi forced out Nov. 12: Marketing president Jim Gallagher dismissed Nov. 12: Home video chief Bob Chapek promoted NEXT 50 DAYS Hire a new marketing president Name Miramax chief ...
Exclusive: OutKast to headline 2014 BET Experience
April 21, 2014
By Gerrick D. Kennedy
OutKast will headline the 2014 BET Experience, the three-day music festival scheduled for June in downtown Los Angeles. Black Entertainment Television is expected to make an official announcement Monday that the Atlanta duo will topline the festival's rap-heavy showcase, which includes Rick Ross, ASAP Rocky and DJ Khaled. When BET announced in March the first set of performers for the festival, which will be in its second year, the network teased a "very special hip-hop reunion you won't want to miss." RELATED: The inside story on OutKast That reunion is OutKast, which recently ended a seven-year hiatus with a headlining slot at the Coachella Valley Music and Art Festival this month.
Art review: 'Amanda Ross-Ho: Teeny Tiny Woman' translates well
July 3, 2012
By Christopher Knight, Los Angeles Times Art Critic
Amanda Ross-Ho makes art that engages in nonstop translation - ephemeral drawings morph into solid rooms, miniature sizes balloon into maximum magnitudes, magazine advertisements turn into gold-finished jewelry, childhood scribbles change into grown-up philosophical musings. She's the Babel fish of contemporary art. "Amanda Ross-Ho: Teeny Tiny Woman," her wry and seriously playful show at the Museum of Contemporary Art branch at the Pacific Design Center, is large in ambition and generous in rewards.
Diana Ross, Pharrell help MOCA mark 'new era' at star-filled gala
March 30, 2014
By Deborah Vankin
Diana Ross, in a ruffled crimson dress layered with sparkles, strutted across the stage Saturday night at the Museum of Contemporary Art's gala, belting out the lyrics to a classic tune that had particular resonance: "Did you think I'd crumble, did you think I'd lay down and die?" she crooned. "Oh no, not I. I will survive …" The crowd, thick with tuxedos and floor-length gowns, bobbed and cheered, iPhones swaying in the air to capture the soul-pop diva. It was only a year ago, after all, that MOCA was burdened by financial instability so severe that the museum nearly was forced to merge with another institution and lose its independence.
Presidential Bid of H. Ross Perot
March 28, 1992
I find it ironic, but most appropriate, that the announcement of H. Ross Perot's intent to launch his campaign for President was published March 20, the first day of spring. What a welcomed breath of fresh air and sunlight on this rainy day. Spring--the beginning of a new season, a time when the weather becomes warmer, plants revive and the cycle of life is renewed once again. How appropriate indeed following the latest scandal(s) to hit Congress: use of the "club" bank and post office as King George (I can call him that; I helped vote him into office)
Midland-Ross will be bought by Forstmann, Little.
July 2, 1986
New York-based Forstmann, Little & Co., a privately held investment firm, said it will pay $28 a share, or $450 million, for the Cleveland-based diversified manufacturer. However, Midland-Ross said that none of its executives are involved in the buyout and that its president and chief operating officer, Daniel W. Duval, had resigned to pursue other business interests.
April Ross and Jennifer Kessy are off to a good start at Huntington Beach
June 4, 2010
By Peter Yoon
It's difficult to imagine that April Ross and Jennifer Kessy would be flying under the radar at the AVP Nivea Tour Huntington Beach Open, but there sure hasn't been much chatter about the second-seeded women's team. Most of the talk is about Misty May-Treanor and her new partnership with Nicole Branagh, or Elaine Youngs and Rachel Scott reuniting after a bitter breakup in 2006. But based on recent play, Ross and Kessy — both former USC players — should be on the minds of all the other teams.
Marion Ross on 'Happy Days' and today
October 7, 2009
Susan King
Long before she became an iconic TV mom, Marion Ross -- a.k.a. Mrs. Cunningham from "Happy Days" -- dreamed of becoming an actress growing up in the small town of Albert Lea, Minn. She recalls being "transported" by movies, especially in the snowy winter months when getting to a theater was no easy task. "We would walk across the ice to go to the theater," Ross said in a recent interview. "Coming home it was dark and you would cross the frozen ice. I would be weeping and standing under the streetlight with the light coming down and snow would be falling in my face.
No Stranger to Death, Kubler-Ross Turns Her Attention to AIDS
May 10, 1987
KAY BARTLETT, Associated Press
Her calling is death and the AIDS epidemic has given new urgency to her mission. Dr. Elisabeth Kubler-Ross, a Swiss-born psychiatrist, teaches the living how to help the dying, the dying how to prepare for death. She believes in reincarnation and her message is that death is only a transition, an end only to the body.
Former Deputy Denies He Planned to Buy Cocaine
February 26, 1994
A former Los Angeles County sheriff's deputy testified Friday that he never planned to buy cocaine with $151,000 found in the trunk of his rented car but thought the cash was to be used for "money laundering." In Rickey Ross' first comments about the case since he was arrested in 1992, he testified that he was set up by a government informant, who had promised financial assistance and lucrative business opportunities if Ross transported the cash for him.
Canada: Montreal jazz fest to feature Michael Buble and Diana Ross
March 28, 2014
By Jay Jones
Michael Buble and Diana Ross will be among the music world's biggest names converging on Montreal this summer for the popular Festival International de Jazz. The festival , now in its 35th year, is expected to draw 2 1/2 million people to Canada's second largest city during its 11-day run in late June and early July. This summer's lineup includes Buble (July 4 and 5), Keith Jarrett (June 28), Bobby McFerrin (June 30), Dianne Reeves (June 27) and Ross (July 3)
Quinton Ross says family was distraught over his reported death
March 25, 2014
By Houston Mitchell
The news swept the Internet on Monday after the New York Post reported that former Clippers player Quinton Ross had been found dead, his body stuffed in a garbage bag and buried in a shallow grave in New York. The report was picked up by several news organizations, and was the No. 1 trending story for a while on Google, Yahoo and Facebook. Turns out it wasn't true. Yes, a man named Quinton Ross had been found dead, but it wasn't the Quinton Ross who played in the NBA for seven seasons.
SXSW 2014: Rick Ross celebrates, Julian Casablancas experiments
March 16, 2014
By Mikael Wood
AUSTIN, Texas - Rick Ross had come to South by Southwest, as indeed he goes most places, to boast. "I just celebrated my fifth No. 1 album," the Miami rapper said Saturday night at the Fader Fort. Last week, Ross's so-so "Mastermind" debuted atop the Billboard 200, beating out competition that included Pharrell Williams' heavily promoted "G I R L" and the Oscar-winning "Frozen" soundtrack. The record, he wrote on Twitter before the show, "contains only the highest grade of execution.
Watch Rick Ross and Kanye West perform 'Sanctified' on 'Arsenio'
March 7, 2014
By Mikael Wood
Give Rick Ross credit for playing to his strengths. Though the Miami rapper's new album "Mastermind" is largely a disappointment -- a stale rehash of ideas he's served up far more convincingly elsewhere -- Ross wisely focused on the record's best song for his performance Thursday night on "The Arsenio Hall Show. " And he didn't do " Sanctified " by himself, either, but brought out two of his A-list pals to the delight of Hall's audience: Kanye West and Big Sean, both of whom appear on the track on "Mastermind.
Dodgers' Ross Stripling to undergo Tommy John surgery
March 4, 2014
By Kevin Baxter
PHOENIX -- The Dodgers said right-hander Ross Stripling will undergo Tommy John elbow ligament-replacement surgery in Los Angeles on Wednesday morning. He will miss the 2014 season. "Kind of sucks," Manager Don Mattingly said. "He was on a good roll. He was one of the guys that's been throwing the ball good. " A fifth-round pick in the 2012 draft, Stripling, 24, was 8-4 with a 2.82 earned-run average in 27 games split between Class A Rancho Cucamonga and double-A Chattanooga last summer.
The right time for Ross Golan's 'Wrong Man'
March 1, 2014
By Kevin Bronson
Not two hours after he performed his passion project in an 88-seat theater on a recent Sunday night, Ross Golan made the rounds at a Grammy after-party hosted by Daft Punk, smiling as Jay Z and Beyoncé glided by and making nice with Madonna and Skrillex and Pharrell Williams. Inhabiting either world would have been inconceivable five years ago to Golan, whose first rock band had failed, whose second was flailing and whose days were spent toiling in his condo. Which was in foreclosure.
For the record
January 3, 2012
Amanda Ross-Ho: A Faces to Watch 2012 item in the Jan. 1 Arts & Books section said artist Amanda Ross-Ho graduated from the master's program at UCLA. She received her MFA from the USC Roski School of Fine Arts.
Indictment in Silk Road case
February 4, 2014
Bloomberg News
Ross William Ulbricht was indicted Tuesday on charges that he operated the billion-dollar Silk Road website where customers used Bitcoins to buy and sell drugs. The indictment for Ulbricht, 29, who authorities said was known by his Internet moniker "Dread Pirate Roberts," includes a new charge, of engaging in a "continuing criminal enterprise. " The count carries a maximum life sentence and a mandatory minimum term of 20 years, said Preet Bharara, the U.S. attorney in Manhattan. Ulbricht was also indicted on previous charges of conspiracy to commit computer hacking and conspiracy to launder money.
PASSINGS: Shulamit Aloni, Billy Ross
January 25, 2014
Shulamit Aloni Israeli champion of civil rights Shulamit Aloni, an Israeli legislator who championed civil rights and was fiercely critical of Israel's treatment of Palestinians, died Friday at her home in a Tel Aviv suburb. Meretz, the party she helped found and led, announced her death in a statement but did not reveal the cause. She was widely reported to be 85, but her son Nimrod told the New York Times that she was 86 and born in Tel Aviv in 1927. Aloni fought in the 1948 war that led to Israel's creation; and after winning a seat in Israel's parliament, the Knesset, in 1965, she served for 28 years and held a number of cabinet posts.
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With a stay at RING Hotel in Volgograd, you'll be minutes from Volgograd Circus and close to Mamayev Hill. This 4-star hotel is within close proximity of Tsarisyn Fire Station Watchtower and Children's City Park.
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Sporting News, MLB Reporter Anthony Witrado Weighs-In on Los Angeles Dodgers' Yasiel Puig All-Star Controversy
The MLB Season is edging closer and closer to the mid-way point with the All-Star Game coming up on July 16th.
The MLB Season is edging closer and closer to the mid-way point with the All-Star Game coming up on July 16th.
Eric Clapton has made his new album, 'Old Sock', a family affair.
After failing to connect with old and new fans alike with their most recent release, Journey may abandon the recording studio altogether.
Former Eagles lead guitarist Don Felder is eying a collaboration with another '70's rock god, Peter Frampton.
I talked to the founder of the Brennan Rock & Roll Academy in Sioux Falls Wednesday to find out more about the inspiration behind it, the huge grand opening planned for March 26-30 and another Hall of Famer added to the already great lineup.
Bob Seger starts his Rock and Roll Never Forgets Tour tonight (Wednesday) with the first of two shows in Toledo, Ohio.
Cheap Trick have re-released a song they put out in 2009.
Ted Nugent was in the audience when President Obama delivered his State of the Union address Tuesday night. Needless to say, he wasn't impressed.
David Lee Roth went on a Japanese radio station this week proving again Van Halen needs to get back to work soon.
Crash got a chance to talk to Don Barnes, co-founder, guitarist and singer for .38 Special as the band gets ready to play Grand Falls Casino February 16th.