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Make sure you don't spend the money you just saved
July 31, 2012 § Leave a comment
If you have ever cut back on indulging an expensive habit, whether it's twice-daily runs for a latte or a new pair of designer shoes every weekend, you will have noticed that the money saved adds up in a hurry. Unless you don't actually save the money, that is.
Often, I have heard of people saving money on one habit, only to use the savings for something else as frivolous. Instead of spending $100 a month on clothing, they might reduce that spending to $50 a month. But all of a sudden, $50 a month is now being spent on upgrading their cable package.
Over all, there is no savings. Just a rearrangement of how they spend their money.
Consider someone who starts a new fitness regimen. Maybe they are lifting weights or running for 30 minutes three times a week. But if they feel famished after their workout and they head off to grab some fast food, also three times a week, they might not notice any change in their physical appearance. Had they not been working out, perhaps those treats would have added a chin. On the flip side, adding the workout while skipping the additional junk food might have resulted in a positive change to their physique.
It's the same idea with money.
Maybe you have negotiated the interest rate on your next mortgage to be 0.5 percentage points below your offered renewal rate. But unless you have a concrete plan for those savings, they can often find a way of being spent without your even noticing it.
In order for your sacrifices and hard-fought deals to mean something to your bottom line, you need to put the savings to productive use. Paying down debt, investing and purchasing insurance you have been procrastinating about are all good examples.
At some point, everyone has seen those opportunity-cost calculations that show you how reducing your expenses on activity X could turn into $100,000 in 25 years if you instead put the money in an investment portfolio. Generally speaking, the rate-of-return assumptions are on the high side to motivate you. That's all fine and dandy, but again, it assumes you save the savings.
If you are making a sacrifice to truly improve your finances, an easy trick to implement is to set up automatic transfers from your chequing account to your savings account that mimics your old spending pattern.
For example, if you are giving up a pack of cigarettes a day, you can set up a daily $10 transfer. If you are skipping ordering wine when eating out on Friday nights, you could set up a weekly $25 transfer. (Make sure that your banking package covers all the extra transactions before setting these up.)
If you are cutting back infrequently, ING Direct Canada has a new feature on its mobile banking app that allows you to sporadically transfer money from your chequing account to various other accounts, with a twist. Called the "Small Sacrifices" tool, you can pre-enter how much you would save from, say, buying a regular coffee instead of a medium latte. Then every time you decide to make that sacrifice, you can log in and have the savings associated with that choice transferred to another account.
Not everyone is ready to go cold turkey with their pricey habits, but unless you actually save the savings, you're not making progress. Like eating a bacon double cheeseburger after a 10K run, that's a lot of pain with no real gain.
Saving: 10 things you need to know
July 26, 2012 § Leave a comment
By Madhavi Acharya-Tom Yew
There's a reason why the saying 'a penny saved is a penny earned has been around a long time' – it's true. Saving money can feel like hard work. But there's no mystery to it. From getting started with a budgeting to setting goals and paying yourself first, here's what you need to know.
1. Create a budget
Question number one is to get a handle on how much you're bringing in and how much is going out before you can decide how much you should be hanging on to. Get all your bill stubs ready for this exercise – and be sure to include what you spend on your morning coffee run, and all the other little incidentals. The Investor Education Fund has an easy worksheet you can download.
2. Ready, set, goal
Are you saving for retirement, or a trip to Las Vegas? You may want to do both. Fix the goal and the amount and aim for it. This will help keep you motivated. This Credit Counselling Canada calculator helps define savings goals and lets you decide how long it will take you to reach that goal, based on how much you're putting away every month. Play around with different scenarios.
3. Pay yourself first
You've heard this one before. That's because it's the best way to save money. Try to put away 10 per cent of each pay cheque, preferably using an automatic debit on payday. If you can't manage 10 per cent, try 5 per cent. Anything is better than nothing and you'll be surprised at how easy it is. Build that into Step 2 when you are creating your budget. The power of compounding will surprise you.
4. Start pruning
Cutting costs should start with the big stuff first, because that's where you find the biggest amounts. Can you save on housing or car costs? Maybe you can get a better deal on your or home insurance rate. Perhaps you can try and manage with one car. Do you need all those extra cellphone features? Cut back on a tier of cable TV. What do those daily cups of coffee and weekly magazines really mean? Industry Canadahas a nifty tool that tells you.
5. Get to know your debt
Figure out how much your owe. Be honest. If you can pay down your debt faster, you'll save money on interest charges.
6. Clamp down on credit
People tend to spend more on credit. Why? Because it hardly feels like you're spending at all. It's easy. Stop using your credit cards, or at least use them wisely. Have a look at this Credit Canada calculator which shows you how bad it can get.
7. Shop wisely
Impulse buys can be killers, whether at the grocery store or Winners. There's nothing wrong with buying something you want, but think about it a little first. Maybe the best time to buy Muskoka chairs is November when they're on sale and not May, just as summer is beginning. Comparison shop. Use coupons. Maybe it's cheaper online or second-hand. Check out Craig's list and Kijiji and ask your friends if they have an extra or can point you to a good deal.
8. Pay your bills on time
You'll save on interest charges and those annoying service charge fees. And always pay more than the minimum, especially on credit card balances. If you have a $1,000 balance on a credit card that charges an annual interest rate of 18 per cent, and you only make the minimum $10 payment each month, it will take 10 years to pay it off. And by then you'll have paid nearly $800 in interest. This calculator will help you run through better payment schedules.
9. Make extra mortgage payments
Your mortgage is probably your biggest debt and the faster you pay it off the better. Make payments every two weeks, rather than twice a month. It's a small difference, but you'll squeeze in two extra payments per year that can go straight to your principal. It may not sound like much, but it can save you thousands over the life of your mortgage. This calculator tells you how much you can save buy making an extra payment.
10. Start now
Compounding is like magic. A 20-year-old who saves $1,000 a year, with an annual 6 per cent return will have just over $240,000 at age 65. Start at age 30, and the same investment will earn just over $126,000 for retirement. Play with the numbers .
Good for homeowners – and the economy
July 16, 2012 § Leave a comment
By: ROBERT BROWN
Could Canada could slip into the same traps that hurt the U.S. economy in 2008-09? Some are sounding the alarm bells – at least on the housing front.
Clearly, Ottawa is worried about the debt levels being carried by the average household. Witness Finance Minister Jim Flaherty's recent announcement that he was changing the maximum amortization on a government-backed mortgage to 25 years from 30 years.
The announcement was greeted with mixed reviews, including loud criticism from those who worry younger generations will have a significantly harder time being able to afford first homes.
But reducing the limit for mortgage amortization is not only good public policy – cooling the speculative real-estate sector without killing the home-construction industry – it is good for homeowners in general. Here's why.
U.S. banks and lending institutions took part in two inappropriate activities in the U.S. housing and mortgage market prior to 2008, both passively allowed by the government in the hope of assisting low-income Americans to own their own homes.
First, banks were offering mortgages with low introductory interest rates that would later (one to three years later) rise to higher ultimate rates. Second, banks were offering mortgages at very high ratios to the value of the house (even up to 100 per cent). This was all fine – for both banks and home owners – so long as incomes and house values rose.
It all came to a thunderous halt in 2008.
As homeowners' mortgages with low introductory rates came up for renewal, many could not afford the new higher payments that went along with the higher ultimate rates. Americans had to walk away from their loans, and therefore, from their homes – in droves.
At the same time, for those who had leveraged a very high percentage of their home value in their mortgage, the falling house prices meant that they now had a mortgage with an outstanding value that was larger than the value of the house. So, they too, simply walked away, handing the keys to their homes to the lending institutions.
This all snowballed into the exponential fall in American home values in 2008-09, and the accompanying loss in value of the mortgage assets held by the lending institutions – a very important piece of the global financial crisis.
In Canada, we are fortunate that our successive governments have always forced higher down payments for homes here than those required in the U.S. With the new limits on the amortization period, our government wants to dodge the American crisis. This is prudent, and safeguards the economy in general. But the new limits are also good for the individual home owner.
Let's do some arithmetic. Consider a $100,000 mortgage. (Most mortgages are much larger, but you can get to the answer to your personal situation easily by multiplying by the size of your mortgage.) I will assume today's five-year mortgage rate of 5.24 per cent.
If you take out a mortgage to be paid off over 30 years, your monthly payment will be $548.10. Over 30 years, you will pay a total of $197,316, including $97,316 in interest. If, however, you choose the 25-year mortgage, your monthly payment is $595.34 ($47.24 more a month). Over 25 years, you will pay a total of $178,602 – $78,602 in interest, just 80 per cent of the interest you would pay on the 30-year mortgage. Further, you will own the house debt-free five years sooner.
If interest rates rise, the arithmetic becomes more dramatic.
Consider a $500,000 mortgage at 6 per cent. If you choose the 30-year mortgage, you pay $2,974.12 a month for 30 years, a total of $1,070,683, including $570,683 in interest. Using a 25-year mortgage requires monthly payments of $3,199.03 ($224.91 more a month) for a total payment of $959,709, including $459,709 in interest.
In other words, for an extra $7.39 a day, you can own your house five years sooner and pay a whopping $110, 974 less in interest.
If a home buyer cannot afford an extra $7.39 a day in mortgage payments, should they be in the market? Aren't we all really better off with the shorter amortization period?
The bottom line: The impact of this new legislation is less pain than pragmatism. For once, we should be thankful to our big brother in Ottawa.
Building permits hit highest level in five years
July 12, 2012 § Leave a comment
By: The Canadian Press
Statistics Canada says municipalities issued $7-billion worth of building permits in May, up 7.4 per cent from April and the highest level since May 2007.
The jump followed a 4.4 per cent decline in April.
The agency says the increase was largely due to higher construction intentions for institutional buildings in Alberta, British Columbia and Saskatchewan and for multi-family dwellings in British Columbia.
he value of residential building permits increased 8.5 per cent to $4.1-billion, following four consecutive monthly declines.
Non-residential construction intentions rose 6 per cent to $2.9-billion after a 7-per-cent decline the previous month.
The value of building permits increased in seven provinces in May, led by British Columbia, Saskatchewan and Alberta.
Almost half of Canadians don't know new mortgage rules
July 10, 2012 § Leave a comment
By MICHAEL BABAD
Many Canadians unaware of changes
Canada's finance minister is moving aggressively to cool down the mortgage market, but it appears many Canadians aren't paying attention.
Which may be one of the reasons consumers are carrying record debt burdens. The changes were announced with great fanfare, and both Finance Minister Jim Flaherty and Bank of Canada Governor Mark Carney have been pleading with Canadians to prepare for the inevitable rise in interest rates.
A survey by Bank of Montreal indicates that 49 per cent aren't familiar with the new rules that take effect today, among them the reduction of the maximum amortization for a government-insured mortgage to 25 years from 30 years.
Just 45 per cent of those polled know that the new rule is 25 years, and 26 per cent still think it's 30 years or longer.
It's interesting that 66 per cent of the 1,000 people surveyed in late June and early July believe that they're up to date on the latest of several moves by Mr. Flaherty, who is worried about the hot housing market in some cities, and the fact that the rate of debt to disposable income in Canada is at 152 per cent.
The BMO survey also showed that 14 per cent of potential home buyers see it less likely that they'll buy a new house in the next five years, while 41 per cent of those who still expect to purchase a property in that time period say it's now more likely that they'll spend less.
And 45 per cent say it's now more likely that they'll opt for a smaller mortgage.
Does a minute matter in a real estate deal?
July 9, 2012 § Leave a comment
By Mark Weisleder
The standard Ontario real estate contract says deals must be concluded no later than 6 p.m. on the day of closing. But if you're a minute late, will that kill the deal?
On Friday, Nov. 30, 2007, lawyer Michael Gatien went to the Cornwall, Ont., registry office to register a deed on behalf of his client, who had just bought a plaza. He had wired the purchase funds to the trust account of the seller's lawyer just after 4 p.m. and received the final go-ahead to register the deed at 4:53 p.m. But when he tried to register the deed, he missed the 5 p.m. deadline by one minute. The registration system would not accept anything after 5 p.m.
The seller then tried to cancel the deal, claiming the deed was not registered in time. The buyer's lawyer argued that since all steps had been taken to close the deal, the deed registration could take place when the registry office reopened on Monday.
The sale had involved difficult negotiations and there were some hard feelings, which all contributed to the seller trying to cancel the deal. It went to court in March 2009 and a judge ruled the seller could not refuse to close.
Normally, real estate deals close when the money has been delivered from the buyer's lawyer to the seller's lawyer and title has been transferred to the buyer. Funds are usually sent by wire transfer. The seller's lawyer releases the deed for transfer on the government computer registry system and the buyer's lawyer then completes the computer registration.
Why does the standard agreement say that deals can be completed by 6 p.m. if the computers close down at 5 p.m.?
In order for the computer registration process to operate efficiently, lawyers for the buyer and seller sign an agreement that says all the money will be held in escrow until the deed gets registered. In many cases, buyers are waiting for their own sale deal to close in order to get the money to close their purchase. As a result, there is often not enough time to get the money wired into the trust account and to complete the electronic registration before 5 p.m. This is especially true at the end of the month, when many deals are closing on the same day.
As a result, in many cases, the deal closes after 5 p.m. "in escrow." The lawyers agree that even though the deed is not registered, the buyers can move into the home, the seller's lawyer will hold the money overnight in their trust account and the deed will be registered the next morning. This escrow agreement is typically completed before 6 p.m.
Can a seller get out of the deal if the money is not delivered to their lawyer before 5 p.m.?
While this did not occur in the above case, a judge will also look at the local practice of how real estate deals are conducted.
In another case, a buyer's lawyer was late getting the cheque to the seller's lawyer. The seller tried to cancel the deal. The court found that the seller contributed to the deal closing late by delaying the final closing visit of the buyer and not giving the buyer's lawyer instructions as to how to make the cheques payable until late in the afternoon.
Another question that arises on closing is when does a seller have to let the buyer into the house?
This should happen as soon as title registration takes place and not later than 6 p.m. if it is an escrow arrangement. In one case, a buyer's movers sat in the driveway from 6 p.m. on the day of closing until 9 p.m., waiting for the sellers to leave. It cost the sellers more than $1,000 to pay for the buyer's additional moving costs, since they were late leaving the home.
Sellers also cannot leave junk in the house on closing. If they do, the buyer can sue to pay for the cost of removing it.
Sellers, vacate your home early on the date of closing and take everything with you. If you need more time, make changes in the contract at the time you sell it.
Buyers and sellers, do not try to change your mind and cancel a deal because a deed cannot be registered in time. Let your lawyers complete the escrow and move on.
Skipping vacation time is a potential disaster
July 5, 2012 § Leave a comment
By Sarah Barmak
Summer is here, and while a CEO's thoughts should be turning to the beach, the idea of leaving subordinates in the lurch can sometimes make managers second-guess their much-needed vacation plans. For some bosses, setting their smartphones to airplane mode—even for a few hours—can feel like unnecessary surgery.
Unfortunately, skipping vacation time is a disaster waiting to happen, says Rick Kathuria, a former management consultant who's now director of the project-and-vendor management office for law firm McCarthy Tetrault. He believes too many managers fail to take time to recharge—and risk burning out. "When I started my career, a mentor of mine was working crazy hours," says Kathuria. "He was travelling the country, spending three or four nights a week in hotels. One day, out of pure exhaustion, he passed out in his room. He was in the hospital for two weeks." While that might not have been his idea of a holiday, the executive did learn one thing: his team could function just fine without him.
For some bosses, getting away from the office isn't a problem, but the anxiety of what might go wrong in their absence leads them to check their smartphones constantly. Some managers will set a window of a few hours a day where they will check their e-mail, though that isn't always practical, says Jeff Chorlton, president and CEO of Flexserv, which provides human resources, IT and other consulting services to small and medium-sized businesses."I do a lot of travelling to developing nations, where ubiquitous access to the Internet is not the same as in developed nations," he says.
The best way for a boss to manage her time off is to appoint a second-in-command, says Kathuria. Or better yet, put two or three people in charge. "Don't always have a single person as your backup. Have a person for this thing, a person for that thing." And if you think there's something that might actually blow up while you're away, offer some contingency plans.
And try to relax. Ultimately, good things tend to happen when the boss goes away. David Yermack, a professor at NYU's Stern School of Business, recently published a study of CEO vacation patterns at 66 large companies, and found that firms often experience abnormally high stock returns before and after a CEO took time off, presumably because they preferred to leave and return on high notes. And as for the fear that your staff might ground the ship like the Costa Concordia, it's a long shot. Yermack's study also found that share-price volatility declined sharply during a top executive's absence.
"If you control everything, you tend to lose out on the breadth of knowledge at work in your team," says Kathuria. And besides, even if something should go wrong, it could provide valuable information. Kathuria describes a situation where a co-worker had been grooming a manager to be her second-in-command. When a volunteer mission in Central America took her out of the office for several weeks, she left the would-be replacement in charge. The manager couldn't cope with the workload. "As a result, she knew the person wasn't her second-in command and she had to think of someone else."
For those still nervous about leaving the office, there is another option, courtesy of Amar Varma, co-founder of Toronto mobile app firm Xtreme Labs. He likes his staff—all 150 of them—to take time off when he does.
"We shut down the office between Christmas and New Year's," he says. "It gives everyone downtime at the same time." Just think: You could avoid the whole problem of leaving your staff behind by bringing them with you.


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|Seite 1
|"Metro" (4:59)
|"The Purge" (4:43)
|Seite 2
|"Heretic Chant" (5:23)
|"Noc" (4:49)
Jurg Haller's Montreal-based label Forbidden Planet has consistently provided us with nothing but the absolute truth since its inception back in 2013. Where so many 'outsider' house labels fall short in repetition and monotony, Forbidden Planet never fails to deliver the goods, and house and techno aren't used just for the sake of it here. Instead, Haller's selection of artists always manage to craft a singular niche out of their arrangements. This time it's newcomer Lumpex who enters the catalogue, and these four belters are as cerebral as you can get without steering completely away from the dance. "Metro" should have been the theme track to the opening sequence of Akira, full of dread and dystopian beauty, while "The Purge" drops a raw, hollow baseline that would have made the likes of Ed Rush and Optical proud back in the Metalheadz days. "Heretic Chant" opens the B-side with a bubbling stream of sinister low frequencies amid an ocean of metallic percussion elements, and "Noc" goes for the jugular thanks to its gnarly, relentless fusion of warehouse beats and apocalyptic bass tones. An eye-opening affair.
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Please join us in the building of a new server. We run FTB infinity evolved on expert mode with iguana tweaks. There are plenty of plugins for your enjoyment and convenience.
- No banned items
- PvP and PvE
- No griefing
- Expert Mode
I would love to see you there.
Remember iguana tweaks mod is needed in order to play!
The server does not have a great spawn constructed at the moment but if you are willing to help me with the task i would greatly appreciate the help. Anyone willing to come and help build the server is welcome to join there is no limits to anything, let your imagination run wild. I hope to see you soon and I think we will have a lot of fun together.
About me:
I'm a 21 year old guy going to school for biology and I love to play Minecraft and relax. I have owned a server before and it is about time that I get one running again and I sure am going to need some help building it.
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Australia added new species of flora and fauna have been added to endangered lists
The federal government's list of threatened species, including nine that are critically endangered are finally listed, out of those brush-tailed bettong, three-toed snake-tooth skink, swift parrot and types of orchid and albatross listed
Among the species to be added to the list under the Environment Protection and Biodiversity Conservation Act were the brush-tailed bettong (endangered), the three-toed snake-tooth skink (vulnerable), the swift parrot (upgraded from endangered to critically endangered), and several types of orchid and albatross.
Australian Conservation Foundation campaigner Jess Abrahams said 49 species were added on Thursday without notice from the federal environment minister, Greg Hunt, or his ministry.
"Normally they'll put out a press release and talk about all the great work they're doing to turn this around. This time it just slipped out."
Hunt's office and the threatened species commissioner, Gregory Andrews, have both been contacted for comment.
Abrahams noted that no new funding had been put towards the existing threatened species strategy in the budget, meaning programs to bring animals such as the Leadbeater's possum back from the brink of extinction were unable to be delivered.
Most of the species were threatened due to habitat loss, he said – and commercial activities that contributed to this were ongoing, compounding the problem of inadequate funding.
The ghost bat, a late addition with a vulnerable status, has now adde3d with two other threatened species on the list: the large-eared horseshoe bat (endangered), and Semon's leaf-nosed bat (also vulnerable).
The mining proposal is currently before the Queensland government but has yet to be referred to the federal government for assessment under the EPBC Act. Approving it would only put the bats further at risk, said Abrahams.
The greater glider, found in East Gippsland in Victoria, was also having its habitat destroyed even as it was listed as vulnerable species.
The Goongerah Environment Centre reported that 11 greater gliders were found in a citizens' survey of 850km of the Errinundra plateau, currently being logged by VicForests, just last week. In East Gippsland, greater gliders are protected by law when more than 10 animals are found in a 1km long survey.
VicForests suspended its operations after GECO submitted its survey data to the Department of Environment, Land, Water and Planning on 28 April. The upgraded threatened status of the swift parrot to critically endanger has been said to reflect the Tasmanian government's failure to protect crucial habitat from native forest logging.
Australian Greens Senator Nick McKim said this was "a casualty of the Liberals' ideological fixation with native forest logging" at taxpayers' expense: "This is a spectacular public policy failure."
Abrahams said the environment ministry's stated aim of protecting threatened species was at odds with the simultaneous, government-approved destruction of their habitat.
"There's this incredible hypocrisy. The government wants to make a difference on endangered species, but it's not prepared to spend any money, it's not prepared to use the law or make new laws to protect them – it won't even acknowledge that more species are being added to the list each day. The fundamental reason that species are threatened is because their habitat is destroyed, and that's the thing that we can most easily, most directly do something about."
Hunt's office deferred requests for comment to the threatened species commissioner Gregory Andrews, who said additions to the list were about "being accountable".
"We can't make sure that money is invested properly if we don't have an up-to-date recovery plan for the species." Andrews added that two species had been removed from the list.
Crucial koala habitats lost in mass land clearing in Queensland
As of 22 January, the roll-out of the strategy had reached just over 500 projects, Hunt said – and more than $130m in government funding had been put towards threatened animals, plants and ecosystems since 2014.
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The banking sector in Gulf Cooperation Council (GCC) countries stood resolutely against the tide of weakening oil prices and governments' fiscal adjustments and austerity measures in 2016. Despite a challenging environment, banks held on to strong balance sheets and capital strengths.
The government ownership in the majority of Gulf banks remained a source of strength as nearly 40 percent of deposits come from oil revenues. But for how long? The jury is out. Analysts and economists believe banks' over-dependence on their respective sovereigns will expose them to the negative fallout of the economic restructuring currently under way across the Gulf states.
According to Fitch Ratings, persisting low oil prices will pressure bank liquidity and decrease the asset quality and earnings of banks across the GCC region. The rating agency has a negative outlook on 30 percent of its rated banks in the region.
As oil revenue and economic growth have been on a downside for long, government deposits in banks have been growing slowly and petrodollars diminishing. With the combined fiscal deficit hovering at $160 billion, GCC states may lessen their support to banks as they rationalize spending and introduce new taxes and a slew of economic reforms.
"Liquidity in the banking sector continued to tighten in 2016, with stronger credit growth of six per cent than deposit growth of 2.1 percent," says Monica Malik, chief economist, Abu Dhabi Commercial Bank (ADCB).
Tightening liquidity, economists say, will impact banks' ability to extend loans and, ultimately, their profitability. Non-performing loans, which are averaging three to four percent of total assets, are expected to rise in the near future as borrowers cope with harsh fiscal measures, such as increases in corporate taxes and levies, they add.
"The UAE banking sector profits may fall between ten and 20 percent as a slowing economy takes its toll on loan growth and bad debts escalate," says Abdul Aziz Al Ghurair, head, UAE Banks Federation.
Recovery on cards
But hope persists on account of the expected recovery of economic growth and oil prices. The IMF has projected a gross domestic product (GDP) growth of 2.5 percent for the GCC region in the next fiscal year (it is 2.3 percent in the current fiscal). Goldman Sachs predicts oil prices will get close to $60 a barrel in early 2017. Rating agency Moody's believes the GCC's banking sector is expected to maintain strong profitability, asset quality and capital adequacy ratios in 2017 despite a challenging economic environment. "Stabilization of oil prices and resilient non-oil sectors will moderate pressures on the banking sector," says Olivier Panis, vice-president, Moody's.
Despite liquidity pressure, most banks are complying with Basel III -Liquidity Coverage Ratio requirements. The funding of GCC banks remains anchored by low-cost deposits. On average, deposits provide 75 to 90 percent of non-equity funding. However, 2017 looks challenging in view of a low deposit growth, threatening to increase loan-to-deposit ratios.
Redefining policies
In uncertain times, the banks also need to change their policies accordingly. In December, Gulf central banks acted swiftly in following the US Federal Reserve's interest-rate increase by a quarter point to 0.75 percent, keeping in line with US monetary policy to mitigate capital outflows and maintaining a commitment to the US dollar peg. Given their reliance on oil exports, it's important for the GCC member states to maintain the peg.
"Gulf money rates might keep rising in 2017 because of US hikes and a possible pick-up in credit demand to finance big infrastructure projects in Dubai and Qatar," says ADCB's Malik.
Sukuk, commonly known as Islamic bonds, have also come to the rescue of banks in easing liquidity pressure and ensuring good returns. Sukuk represents undivided shares in the ownership of tangible assets relating to particular projects or special investment activity. Saudi Arabia-based Islamic Development Bank has recently listed sukuk worth $1.2 billion on Nasdaq Dubai, the region's international financial exchange. IDB has 57 member countries and its activities are designed to foster their economic development and social progress.
Banks in the Gulf have been shipping funds to Saudi Arabia because of rising rates there, so better liquidity in Riyadh could ease pressure on other regional centers.
Future in mergers
Bahrain has 103 banks, the UAE has more than 50 and Saudi Arabia has less than 20. With tightening liquidity and the projection of slow loan growth, consolidation is the way forward for Gulf banks. Lenders that choose to go for mergers to form one entity will be better placed to cash in on new customers and face the various challenges posed by the economic slowdown.
The ball has been set rolling with National Bank of Abu Dhabi (NBAD) and First Gulf Bank (FGB) agreeing to merge to create one of the largest banks in the Middle East and Africa, with assets of roughly $175 billion. The year ahead could see more mergers, strengthening the banking sector.
Digital banking
Artificial intelligence and digital banking will be high on the agenda of banks in 2017 as they look to cut operational costs and reach out to tech-savvy customers who want e-banking on the move. How fast banks can adopt fintech will decide their tapping of an evolving market in which consumers are looking for information and services right on their smartphones or wearables.
Major trends unleashed by fintech – digital payments, crowd funding, robo-advisory and block chain – all have the potential to substantially reduce banking operational costs and grow lenders' consumer bases. Big data is also playing a crucial role.
"Banks have an exceptionally intimate relationship with customers, but they often don't know their customers well. They need to convert this obstacle into data-driven opportunity. Payment profiles, for example, say more about customers than social media and the two together provide valuable insight into customer needs and preferences," Samina Rizan, ECEMEA Big Data Business Development senior director, Oracle, told TRENDS.
Bahrain is focused on nurturing a globally competitive fintech industry. The Central Bank of Bahrain has prioritized the introduction of the right regulatory framework that can attract international fintech companies to base themselves in the country. In 2017, GCC banks will find it difficult to avoid the fintech revolution, which will impact them in a positive way.
What's in store
Banks in the GCC region have weathered the downturn in the year gone by on strong economic fundamentals. However, the future security of GCC lenders depends on how committed governments will be about providing support and also on how buoyant the non-oil growth sectors would be.
If the Saudi Arabian government's mammoth $17.5 billion international bond issue and Bahrain Prime Minister Prince Khalifa bin Salman Al Khalifa's resolution of helping banking firms expand their operations are anything to go by, the outlook remains positive for the GCC banking sector.


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Idaho: Governor Advises Lawmakers to Hold Hearing on Medicaid Expansion Alternatives
In a departure from his historic opposition to Medicaid expansion, Governor C. L. "Butch" Otter (R) encouraged legislators in his "State of the State" to hold a hearing on the alternative Medicaid expansion strategies put forth by the Governor's Workgroup on Medicaid Redesign, according to the Associated Press. The Workgroup's latest proposal described two options for alternative expansions, one of which includes providing new adults with incomes 100-138% of the federal poverty level premium assistance to purchase qualified health plans on the State's Marketplace.
Kentucky: Medicaid Commissioner Resigns, Deputy Commissioner Tapped as Successor
Kentucky's Medicaid Commissioner Lawrence Kissner, who oversaw the State's Medicaid expansion, will resign on February 1, according to a Kentucky NPR affiliate, to move to an out-of-state private sector role. Current Deputy Commissioner Lisa Lee has been appointed by the Cabinet for Health and Family Services Secretary to succeed Kissner.
Massachusetts: Marketplace Executive Director To Step Down
The Massachusetts Health Connector announced that Executive Director Jean Yang will step down on January 16. Maydad Cohen, Special Assistant to the Governor on the Health Connector, MassHealth, and MassIT, will be named Interim Executive Director until the newly inaugurated Governor Charlie Baker (R) names a permanent replacement. Yang was Executive Director since January 2013 and previously served as the Health Connector's Chief Financial Officer.
Montana: Legislature Amends RuleThat Could Impact Medicaid Expansion Legislation
Leaders in the Montana House agreed to a change in House rules that will make it easier for up to six bills from each Party to be moved from Committee to consideration by the full House. The rule change allows these "silver bullet" bills to be moved from Committee to the floor with a vote of the majority of the full House (51 votes), rather than the standard three-fifths vote (60 votes). Representative Chuck Hunter (D), the House Minority Leader, noted that Medicaid expansion is likely to be one of these bills for House Democrats. However, Republican-controlled committees maintain the ability to issue an "adverse report" on these bills, in which case 60 votes would still be required to push the bill out of committee.
New Mexico: Medicaid Director Resigns to Accept Job with Medicaid Contractor
Julie Weinberg will step down as State Medicaid Director, effective January 16, to accept a position at a division of Optum, reports the Santa Fe New Mexican. Weinberg served as Medicaid Director for four years, during which time she supervised the State's expansion of Medicaid under the Affordable Care Act.
Tennessee: Governor Reveals Further Details of Medicaid Expansion Plan
Governor Bill Haslam (R) released a draft waiver request for his Insure Tennessee program, which would expand the State's Medicaid program to cover approximately 200,000 newly eligible adults through an amendment to the State's existing TennCare II waiver. As reported initially by the State, Insure Tennessee would offer two plan options to eligible individuals: the "Healthy Incentives Plan" and the "Volunteer Plan." Individuals enrolled in the Healthy Incentives Plan would be covered by a managed care organization and would receive a health reimbursement-like account called a Healthy Incentives for Tennesseans account. The Volunteer Plan would provide individuals who have access to cost-effective employer-sponsored insurance (ESI) with a "defined contribution" via premium assistance to purchase a private plan offered by their employer. The State is seeking a number of waivers to implement Insure Tennessee as proposed, some of which would go beyond what has been approved in other expansion waivers. Provisions would include:
- Waive Medicaid limits on cost sharing for individuals enrolled in the Volunteer Plan
- Waive the Medicaid requirement to "wrap" benefits that are not covered by ESI, including non-emergency transportation, for the Volunteer Plan
- Permit Volunteer Plan members to only file benefits appeals through their ESI's process
- Institute premiums set at 2% of income for Health Incentives Plan members with incomes between 100% and 138% of the federal poverty level
- Continue its TennCare II waiver of the Medicaid requirement to provide retroactive coverage.
The Insure Tennessee waiver amendment is now undergoing a 30-day public comment period, after which it will be submitted to CMS.
Washington: Exchange Moves to End Premium Aggregation
The Advisory Committee of the Washington Health Benefit Exchange, the only State-based Marketplace conducting premium aggregation without a Third Party Administrator, decided to eliminate this functionality from the individual Exchange, saving the Exchange approximately $6 million over two years. Consumers will start paying and receiving invoices directly from carriers during the 2016 open enrollment period.


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Two kinky teens Aliza and Gwen stretch their assholes with dildo while parents are not around
Description:The slutty girl called her friend to have a pajama party but instead it turned into anal drilling party. They placed in a kitchen and stretch their butts with various dildos.
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Olamide recently released his 6th studio album titled "THE GLORY". On the intro of the track titled 'Letter To Milli', he talked about selling his soul to dine with the devil .
Olamide said:
"…In every level, there is a different devil I sold my soul to the game, just to dine with the devil…"
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A Community For Couples Trying To Conceive - Click Here To Join
ADVERT: How I Increased My small manhood Size & Stopped Premature Ejaculation That Scattered My Relationship for 2 years. Click HERE For Details.


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Consequences of setting DNS PTR record to hostname
I have a VPS that I have been using for a personal site with a webserver and mail server as public-facing services. All DNS records are set up and everything is fine.
hostname: host.mysite.com
To that end, I thought to change the PTR record to point to the machine's (newly changed) internal hostname instead of one of the domain's publicly resolvable host. From what I've read, upstream SMTP servers should accept email from the host as long as the PTR matches the hostname (i.e. it doesn't have to match up with a resolvable A record).
hostname: host.myinternalserver.net
Any comments on the consequences? Also, will it affect other public services, which will be web server, vpn, ssh? The MTA is postfix, by the way.
|All times are GMT -5. The time now is 12:05 PM.


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Mrs Comfort Asare, Director of DSW, said the initiative is to ensure that children who do not deserve to be there are reunited and reintegrated with their biological families.
The Department of Social Welfare (DSW) says it would revive its Care Reform Initiative (CRI) to re-integrate some children in welfare homes with their families.
Mrs Comfort Asare, Director of DSW, said the initiative is to ensure that children who do not deserve to be there are reunited and reintegrated with their biological families.
She said this at a media sensitisation on CRI in Accra to discuss measures to reduce the effects of such homes on children.
Mrs Asare indicated that many children have been denied family reunion because their parents have been deceived by some people into believing that they could provide the children's basic needs such as education only to abuse them or deny them love and care.
She said operators of children's homes also promise parents non-existing privileges only to get the children to undergo physical, emotional, and psychological harm.
Mrs Asare noted that since CRI started in 2007, the department has closed down 84 homes and reunited 2,248 children with their biological parents.
She said refusal of most private children's homes to accept children with disability has led to overcrowding in children's homes run by the state.
Mrs Asare said there are plans to close down such private homes because of their un-readiness to show love and dedication to children.
"We are not rushing to close down institutions because we have to think of the well-being of the child first and ensure that the problem that made the child appear in the home is no more so the children don't end up on the streets", she said.
Alexis Derry, Resource Person at the Department, said research has shown that 90 per cent of children in homes have surviving parents.
According to him, in the absence of blood relations, DSW encourages alternative family care through formalised fosterage that would reduce the number and length of stay by children in state and private residential centres or homes to not more than five years.
Mr Derry said presently, the state has only three children's homes namely the Osu, Kumasi and Tamale children's homes as well as two sub-vented homes namely the Mampong Babies homes and Jirapa St. Joseph Orphanage.
He said there is the need to note the difference between orphanages and children's homes explaining that orphanages accept only orphans while children's homes accept both orphans and vulnerable children.
Mr Derry mentioned stigmatisation and discrimination as some of the challenges of children in such institutions.
He said although children are usually not well taken care of in such homes, the number of caregivers stationed there is also a factor.
"Poor caregiver to child ratio affects children; for instance, about two people may be taking care of over 100 children in the home making them unable to attend to each person very well," Mr Derry said.
Mr Kingsley Obeng Kyereh, a child rights advocate, advised the public including caregivers to consider the survival, protection and development of children as well as their participation in issues of interest to them.
Source: GNA


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Ian Robert Nohl birth
IAN ROBERT NOHL was born on March 30, 2014 at Stevens Community Medical Center in Morris. He weighed 8 pounds, 5 ounces and was 21 1/2 inches long. Parents are Brian and Kayla Nohl of Hancock. Grandparents are Ken and Jackie Nohl of Hancock, Steve Kellen of Wheaton, and Marv and Gayle Erlandson of Wheaton. Great Grandparents are Art and Carol Durkee of Morris, Dennis and Sandra Groneberg of Wheaton, and Laura Kellen of Florida.


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Macklin Motors Ford open days
2 - 5 November 2016
GlasgowMacklin Motors Ford open days
Dealer event description
At Macklin Motors Ford Darnley, we are holding a Motability Open Day where we would like to invite you to come and browse through our full range of vehicles available on the Motability Scheme. On the day we will have our dedicated specialists available to help you with both finding the right car for your needs and also, you will have the chance to see a few examples of the many adaptations available to help make driving easy for you including: rotating seats, boot hoists, push-pull and chair topper on our modified Ford Galaxy.
So, should you or any friends and family have any questions about our special open day - or you would like to make an appointment to speak with our specialists, then please call us on 0141 880 8100 and ask for Peter or Derek.
Dealer event hosted by
- Macklin Motors Ford Glasgow
Opening days and times
- 2 November - 9.00 to 17.00
- 3 November - 9.00 to 17.00
- 4 November - 9.00 to 17.00
- 5 November - 9.00 to 17.00
Event location
Macklin Motors Ford Glasgow
900 Kennishead Road


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Ricardo L. Ashcraft
I reside in The Usa, i love the photos, internet, books, films and the tracks with violin and traditional stone. I enjoy the foods, wine and luxurious automobiles. My favorite instrument is my cannon camera and my computer.
Jamesburg, NJ


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Exchange Sync Error
- My Tab has been having issues with my Exchange account since day one. I could hook up to the firm's server and sync contacts/calendar and send/receive emails with no issues, but I was getting a constant "Connection Error ([account])" error popping up on screen in a little black box every 30 seconds or so. If I re-booted the Tab it would stop doing it, but as soon as I started the Mail app it would come back. Extremely irritating and I was seriously considering returning the device.
I called Samsung (it was surprisingly easy to get through to a friendly real person who spoke perfect English, BTW) and was told to remove/re-install the account (which I had already done) and then try a factory reset. Neither of which worked. The rep spent a bunch of time on the phone to no avail, and then suggested I check with my IT department.
After about a half hour with the second IT guy at the firm, he simply tried disabling push and set it to sync every 5 minutes and I haven't seen that stupid little black box since. Shweet.
It still ain't exactly right (hopefully a fix is forthcoming in the highly anticipated update) but it works and I'm keeping it.07-21-2011 03:54 AM
- The exchange integration is the most non-functional part of my Tab. I ended up buying Moxier Mail for Tablets to get an Exchange sync that actually works. Sometimes only a few messages would show in a folder that should have shown dozens within the sync window. Other times I would send a message and it would go to the outbox but never send (boy did that cause some problems before I realized that was happening). The Touchdown for Tablets app also works, but I found I liked the look and feel of Moxier better.07-21-2011 02:15 PM
Not quite right, but I can live with it. I was about to return the thing, and now I'm just happy that I can keep it, because otherwise it's pretty sweet.07-26-2011 05:53 PM
It's an Android issue. When I did my search, the only thing I could find was one post from a guy in a Motorola forum who was having the exact same problem on his Xoom.07-27-2011 03:28 PM
- I'm no expert, but I would think checking every 5 minutes is actually going to use less battery than checking every 30 seconds.
It's an Android issue. When I did my search, the only thing I could find was one post from a guy in a Motorola forum who was having the exact same problem on his Xoom.07-27-2011 05:31 PM
Any suggestion on how to fix this is highly appreciated!09-09-2011 06:12 PM
- Me too also received the same error 'error in connection (account name). Here is the solution that worked for me. Add the corporate account using the following steps..
Settings > Account Sync > Add Account > Email (Do not select Exchange sync directly from this window) > Now select Exchange Sync and continue with the steps.....
Dont know how it makes differece in selecting Exchange sync after the selecting the Email instead selecting from the first window, but it worked for me..12-24-2012 04:24 AM
- Forum
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Exchange Sync Error


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Discussion in 'Entertainment' started by baboymo, Mar 5, 2005.
my collection is tiny, and my cellphone camera sucks, so ill just list what I have.
They are all gundam models.
from Wing:
-1/100 mg Wing Gundam ver Ka (way more badass than regular Wing. Its the same design as thw Wing Zero with the Angel Wings)
-1/100 mg Wing Zero Custom (Angel Wings)
-1/100 Deathscythe Hell Custom
From Seed:
-1/100 hg Freedom
-1/100 hg Justice
From Seed Destiny:
-1/144 hg Impulse
uh dude, ur title is so misleading haha, i thought there would be pics in here
Pic from my other post in another thread:
taking pics now
its so black
got nuthin
my 1/100 Gundam Seed Aile Strike Gundam, only one I have, id like to get more.
dog not included
oh god testers sucks ballls
if you can use tamiya paints.
back to the subject
i have a lot of the 144/1 scale 2 grade kits. you can go to some walmarts and find them the clearance sections for 1-5 bucks.
ALSO some kaybees have the 144/1 action figs toys for 3 for 10 bucks. which i was surprized how nice they are.
and i have a few 1/144 HG kits and 1 1/100 scale wing custom, but im playing with the with cheap kits to get an idea of how these kits are. i have done a load of the Tamiya cars and i love those.
testers works okay for me
what do you use?
also i prefer the 'flat' paints
i'll see if i can get my buds camera and get some high res pics
the only time i use testors is for the metal colors, AL. silver, gold, gun metel ect...other than that it's very difficult to work with and i have flow problems. i air brush a lot. like i said, i use tamiya paints mostly.
can you take her clothes off?
man, i haven't seen tamiyas in so long haha, i too used to collect them and what not, but cant anymore up here in the US, too much hassle to find new providers.
But yeah i think Tamiya paint are best for the cars, but I don't really know compared for mobile suits and stuff. I only have 2 mobile suit models and I didn't use tamiya for either of them
i get a lot of tamiya models from either hobby town USA or from e bay. there are a ton and at good prices, there are couple for E-stores on there with a very nice selections and great prices.
i wish
I'm still waiting for Yamato to release one of these beauties.
I really only got the Battle Scarred Gundams and that Endless Waltz Tallgeese and Angel gundam (fuck my brain ain't working) trose are bad ass and detailed
Alright folks. It's been almost nine months and I'm sure some of you have expanded your collections (Icecleric I gotta see pics of yer Aquarion).
As for me? Since Toynami announced they're going to make Beta Fighters I HAD to pick up one of these.
Heads up guys.
Prices down again at Amazon:
PG Gundam - $74.98
MG Gundam, Kampfer, and GM - $9.97/9.98
MG GP01Fb and RX-79G - $7.48


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15 Comments
love the colors and the style, oh i just love the whole thing
Great artwork +1
muy bueno!
bladerunner Artist from Qld, Australia
roncabardz Artist from Philippines
chitocialoni Human from Argentina
+1 Great idea. Nice design
ricechuchu Artist from Davao, Philippines
~Wow. Have the same shirt idea with you but diff style and waiting(hoping) to accept mine. +1
joannamoreira Artist from São Paulo, Brazil
really cool! +1
Jordanlee2929 Artist from Minnesota, United States
I like the design! +1 plz check out and vote for mine. http://www.designbyhumans.com/vote/detail/212243
PatrickKnight Human from United States
Should have had the text say hipsterstein… Frankhipster doesn't roll off the tongue.
chitocialoni Human from Argentina
Nice concept +1
ha ha ha! nice!
Great Work +1 !
plz support :D


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Pittsburgh, PA (PressExposure) May 20, 2013 -- Nature's Symbiotics is now distributing an entirely natural weight loss supplement that is made up of elements from the tamarind fruit. The new method enables people to lose 4-5 pounds a month without exercise while only taking 2 capsules a day.
Requiring no exercise, Garcinia Cambogia HP is hailed as a quick and easy way to shed pounds. By simply adhering to the quick and easy 2 capsule daily dosage for 12 weeks, it is believed people will lose 4-6 pounds a month. The healthy solution will have no negative side effects, and is even believed to contain natural anti-depressant elements. Nature's Symbiotics has heard many testimonials that have confirmed its effectiveness.
The exclusive advantage that Nature's Symbiotics' formula provides is the quick and easy daily dose - just two capsules. This presents a much more convenient option for people with busy lives. This is a considerable development when you consider the daily dose of their competitors - 6 capsules or more per day. "We've heard lots of folks complain about how hard it is to remember to take so many pills every day so we're super excited to be able to offer a simpler, easy alternative that is just as effective," commented a Nature's Symbiotics representative.
The daily serving size contains 60% of HCA, a natural extract that is a key in many weight-loss supplements. The components of Garcinia Cambogia HP promote weight loss in a number of ways. It causes the enzymes in the body to convert fat into energy, rather than weight. It also promotes the hormone that makes you feel full (glycogen) while slowing down the hormone that makes you hungry. This implies a smaller appetite, which helps people resist overeating.
Incredibly, the new method has additional benefits. It regulates serotonin in the brain, meaning it contributes to one's sense of happiness. Its unique antidepressant capabilities have many people reporting that they are in a better mood after taking the supplement.
Nature's Symbiotics' mission is to encourage people to pursue ultimate health by using supplements that are symbiotic with nature. Nature's Symbiotics always offers natural supplements that promote health and vitality through weight loss, higher levels of energy, and a boosted immune system. Ultimately, Nature's Symbiotics strives to present the highest quality products on the market and provide comprehensive information and insight into how these natural supplements fit into one's overall health.
Jeremiah Hette


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Spares Paperback
by Michael Marshall Smith
Talking fridges, human clone farms, flying shopping malls - we must be in the Michael Marshall Smith zone.
A world all too close to our own... Spares - human clones, the ultimate health insurance.
An eye for an eye - but some people are doing all the taking. Spares - the story of Jack Randall: burnt-out, dropped out, and way overdrawn at the luck bank.
But as caretaker on a Spares Farm, he still has a choice, and it might make a difference...if he can run fast enough. Spares - a breathless race through strange, disturbing territories in a world all too close to our own. Spares - it's fiction. But only just...
- Format: Paperback
- Pages: 336 pages
- Publisher: HarperCollins Publishers
- Publication Date: 30/07/1998
- Category: Science fiction
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Showing 1 - 4 of 4 reviews.
Review by reading_fox
Not his best work, or maybe just a touch to dark for my taste. Another future world with a megaCity in true cyberpunk style where anything is for sale, but those born to be genetic replacements for the truly rich have feelings too, and world isn't ever as it seems in Smith's work.
Review by felius
This is an excellent and strange book. It's a sci-fi noir detective thriller with some serious excursions into surrealist territory, and liberal helpings of humour thrown in between all the drugs and violence. Despite this confusion, the author has managed to pull off a cohesive story with fully fleshed-out characters in a vividly described world.A cop goes off the rails after a mob hit on his family takes away all he had left in life. He wasn't exactly on the rails to begin with, so this leaves him a complete wreck. A friend helps get him into a job as caretaker of a "Spares Farm", a medical facility designed to house human clones intended to act as live organ donors, basically as a macabre insurance policy for the clone "owners". The day-to-day activities of the farm are handled by robots, which is just as well as our protagonist is in no state to look after himself when he arrives.After some time in the farm he gets the opportunity to see just how bad this situation is for the clones who, despite being human, are treated worse than most livestock. He cleans up and begins trying to teach some of the more responsive clones, to give them an opportunity to become "human". This all comes to a head one day when one of his clones is selected for a procedure which would end up killing them, so he helps a group of clones make their escape out into real world.That when things really start to go down hill for all involved.The story jumps back and forth, with flashbacks gradually filling in the background and not too infrequently putting events in a new light in the process. The narrator and protagonist is a very flawed individual indeed, and constantly struggling with addiction and other vices. Despite this, he's a likable enough character burdened by remorse for past actions, and for failing to have appreciated his family properly while he had them.I bought this on the recommendation of one of the staff at my bookstore - my own dealer who can always get me the fix I need. It's unlikely I'd have bought this book otherwise, but I enjoyed this enough that I'm now going to have to go find more from this author - and thank Richard for putting me on to him while I'm in the store. ;)
Review by bloodofareptile
The point of art is to create a reaction in people, good or bad, the stronger the better. Michael Marshall Smith always accomplishes that with me, but unfortunately in this case it was a hate reaction. I had previously read and loved "One of Us" and "Only Forward", so dove into this book eagerly.

MMS always creates interesting, oddball worlds that are very full and developed around the characters. I found the clone concept to be very upsetting in and of itself - the entire way it was set up and they were used was difficult to read. However, if that had been it, I probably would have survived this book and rated it higher. The sci-fi "twist" in this book (as is common in MMS books) involved an alternate world they could walk into that was entirely based on, or flashbacks to, a war. I never read books about war or watch movies - I find it upsetting and pointless. So, strike two.

Add in that our hero is a drug addict, another concept I never enjoy, it was three-strikes for this book. The writing is good and the pacing is nice, but it ended up just being a swamp of abject misery for me, and I read for enjoyment.

I also couldn't get over what, for me, felt like a glaring plot hole - a bunch of super-rich people who are able to grow full clones of themselves and have a state-of-the-art facility to do all this, as well as largely automated care... hire one lone dude as "security" and the best that money can buy is a raging drug addict. Really?

While it feels unfair to me to lump this book in with the Kindle free atrocities... All in all, I left the book feeling sick, upset, and annoyed. This is one Michael Marshall Smith book that I will not revisit.
Review by rockinghorsedreams
It finished a lot stronger than it started. It was definitely more shocking and powerful than I was expecting and had some very interesting ideas.
Also by Michael Marshall Smith | View all


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Thursday, 16 August 2012
MASSIVE PART-TIME WORKING as young workers wages cut by 10%
Young Socialists march from Manchester to London demanding jobs for youth with trade union rates of pay. Youth will not submit to being slave labour
THERE are nearly one-and-a-half million workers and youth in the UK who want full-time work but are working part-time because they cannot find full-time jobs.
This is shown in the unemployment figures released by the Office for National Statistics yesterday.
According to yesterdays figures, the number of people out of work fell by 46,000 to 2.56 million in the three months to June.
But Coalition claims that the unemployment levels are falling are repudiated by a closer look at the figures.
Part-time employment in the UK hit a record high in the period, up 16,000 to 1.42 million, the highest figure since records began in 1992.
The number of people unemployed for more than two years hit 422,000 in the three months to June.
The number of people successfully claiming Jobseekers Allowance fell by 5,900 to 1.59 million in July.
In the 16-to-24 age group unemployment fell by a puny 4000, with 1.01 million young people still unemployed.
Levels of unemployment in some parts of the country are more severe than others.
Shadow work and pensions secretary Liam Byrne said: It looks like about 90% of the fall in unemployment has been in London where there has obviously been a boost from the Olympics.
In about half of Britains regions youve got unemployment going up.
The TUC warned that the outlook for young people is its toughest since 1994, with the proportion in full-time education rising from 24% in 1992 to 41% this year.
Students looking to start their careers or continue in their education next month are facing the toughest climate for nearly 20 years, said TUC general secretary Brendan Barber.
He continued: The number of people under 25 who are neither working or in full-time education has risen again to nearly 1.5 million.
The governments response to this youth jobs crisis has been poor. Successful initiatives have been scrapped and then reinstated with less funding.
Young people are still awaiting a replacement for Educational Maintenance Allowance to support them through their education too.
Meanwhile, wages for the under-30s have dropped significantly, it has emerged.
Earnings for employees aged 16-29 years fell by 6.4 per cent from 2003 to 2010, representing the biggest pay contraction across the UK workforce, research from the Resolution Foundation has found.
Men in 16-29 age group were worst hit as their average wages fell 8.6 per cent, while womens incomes were cut by 5.8 per cent.
The think tank said that there was a 10% decline in pay for young workers between 2003 and 2011.
Gavin Kelly, chief executive at the Resolution Foundation, said: It could be that these numbers look scary because they are, actually, genuinely scary.
For many economists the performance of young people in the jobs market is a barometer or an early warning signal of the health of the wider economy.
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- Please select a date to see the proper prices!
Description of the Accommodation
Rooms, services Saint Crispin Houseboats Kumarakom is offering a nice, neat room to those seeking accommodation in Kumarakom. Nearby boat rental opportunities may provide an excellent option for those who love to spend their leisure time actively. If you wish to learn more about the exact scope of services provided by Saint Crispin Houseboats Kumarakom (including any available for an extra fee), you will find them on the information sheet below.
Payment Advance bank card payment or credit card guarantee may be required for the reservation, depending on the chosen date, room and price.
Arrival, opening hours The earliest time to arrive is 12:00, the latest time to leave the rooms is 09:00. You will be able to speak with the personnel in English.
Saint Crispin Houseboats Kumarakom rooms Rooms
- Please select a date to see the proper prices!
Accommodation services
Boat rental nearby


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- Please select a date to see the proper prices!
- Meal can be requested on the spot
Best offer
58.50 € / person / night, no meal
Description of the accommodation:
Rooms, services Hotel Lemar Colonia Sant Jordi is offering 84 tastefully furnished rooms to those seeking accommodation in Colònia de Sant Jordi. You may taste delicious, fresh meals in the restaurant of the hotel every day. You may also rent a car to discover all must-sees of the area. Nearby bike rental, sailing, surfing and boat rental opportunities may provide an excellent option for those who love to spend their leisure time actively. The café or the bar can be an ideal place for a pleasant evening talk or a meeting. Your valuables may be the safely secured in the safe. If you have a suitable portable device, you can connect to the Internet via a wireless network (WiFi) available at the hotel. An exact and detailed list of equipment in the rooms and of the services provided by Hotel Lemar Colonia Sant Jordi you will find on the information sheet below, including any applicable additional fees.
Payment Credit card guarantee or advance bank card payment may be required for the reservation, depending on the chosen room, date and price.
Arrival, opening hours The earliest arrival time is 14:00, the latest time to leave the rooms is 12:00. The personnel is at your service in Spanish and English languages.
Hotel Lemar Colonia Sant Jordi rooms Rooms
- Please select a date to see the proper prices!
Accommodation services
Free WiFi in shared places
Relaxation: Bike rental at the accommodation
Car rental nearby, Sailing nearby, Surfing nearby, Boat rental nearby
Bar, Cafe, Elevator, Safe deposit box
Own restaurant
Hairdryer, Desk in the room, Mini-bar


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Continuing his winning ways, Savannah painter Robert Isley took home top honors from Saturday's opening of the Telfair Art Fair.
Isley, who was first runner-up at last year's fair, saw his work "Picnic Tables, Summer Showers" named Best in Show -- and winner of the $1,800 first prize -- during a brief ceremony at noon in the fair's big white tent on Telfair Square.
Local mixed-media artist Laura Adams won the second place ribbon and $1,000 for her "Domestic Orchid Mosaic." Eric Abraham, of Wamego, Kans., won the crafts category and $500 for his "Shrine to the Edible Animals."
"I'm so surprised," an elated Adams said moments after accepting her ribbon and check. "I'm just thrilled and surprised and excited. This is my fifth year and I've never won anything."
Isley had already sold several of his paintings before he was given the blue ribbon for "Picnic Tables, Summer Showers," a small work that hung unassumingly among its kin.
"With the award, I've done better than last year," Isley said.
Asked if he would return for the 2002 fair, he laughed and said, "Oh, yeah!"
Merit ribbons and $200 cash prizes were awarded to: Jackson Cheatham of Thomson for "Gift II"; Peter Loose of Hull for "Blue Fish Dulcimer"; Lanny Webb of Athens for "Daybreak"; Georgia Rowswell of Sparks for "Royal Okra"; and Tami Cardnella of Mount Pleasant, S.C., for "Italian Staples."
Nearly 70 artists are showing and selling sculptures, paintings, jewelry, furniture and other work during the two-day event, which will continue from 12:30-4:30 p.m. today
The judge for this year's competition was Joseph B. Schenk, director of the Mobile (Ala.) Museum of Art.
"This was very difficult," Schenk said before announcing the winners. "There are a lot of winners out there. But unfortunately, I ran out of ribbons and money."
Savannah Morning News © 2017. All Rights Reserved. Contact Us | Privacy Policy


text:
Yale study shows how celebrity touch adds 'magical' value to items
Anthropologists and psychologists called it the "magical law of contagion", or the belief that a person's essence can be transmitted through objects he or she has touched.
In the 1920s, anthropologist James Frazer suggested the belief was common to "savage and barbarous society". But, in a study published on Monday in the journal PNAS, Yale University researchers argue that such magical thinking is alive and well in the United States.
To prove their hypothesis, study authors analysed several high-profile celebrity auctions: the estates of president John F. Kennedy and Jacqueline Onassis; actress Marilyn Monroe; and convicted swindler Bernard Madoff and his wife Ruth Madoff.
Study authors George Newman and Paul Bloom found that items viewed as having come into close contact with well-liked famous people sold for more than low-contact items.
But they also reported a "marginal negative effect" on close-contact items that once belonged to Madoff, and no apparent effect on items from his wife.
The researchers also surveyed 435 adults, asking how much they would pay for a sweater owned by a famous person they admired, and one owned by a person they despised. They also asked if the price would change if the sweater were sanitised.
The researchers found that when it came to well-liked celebrities, sanitising the sweater resulted in a 14 per cent drop in the willingness to pay top dollar. However, sanitising a sweater that belonged to a despised celebrity increased willingness to pay more by 17 per cent.
"Consistent with the contagion hypothesis, physical contact appears to have real-world effect on how much people pay for celebrity objects," the authors wrote.
"Moreover, the present findings suggest that desires for positive celebrity memorabilia really do reflect a belief in contagion."
They speculate that contagion thinking may have roots in evolution and may have aided survival by tracking disease contaminants.
They point out too that contagion thinking elicits a very strong reaction when it comes to food. "A single cockroach can ruin a large pot of soup," the authors wrote.
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text: The two chums appeared in matching jackets, matching lapel pins, matching haircuts, matching tans, and matching shirts. (Ryan's shirt is ever so slightly a different shade, but the same pattern.) They have matching blond wives, and Ryan's matching what Romney did on income-tax disclosures. Yeah, yeah, they're both opposed to gay marriage, but if this whole presidential thing doesn't work out, they'd make for great molds for his-and-his plastic grooms on gay-wedding cakes.


text:
I'm facing a lot of issues.
When I run the "MUP" command, do I do it on my Digital Ocean server or my laptop?
You run the command on your local machine. If set up well you will see it deploys to your server. Or it gives you an error. Can you show you configuration and the output?
Did you see the newer version? https://github.com/kadirahq/meteor-up/tree/mupx
Here are the 2 commands in the correct order:https://github.com/kadirahq/meteor-up/tree/mupx#setting-up-a-server
If you see any errors post them here then we can help you with the concrete issues.
I decided to use mupx. I managed to run setup successfully. But I face a problem for the deploy.
Configuration file : mup.jsonSettings file : settings.json
Meteor app path : /Users/ritchieng/peercapita_webUsing buildOptions : {}events.js:85 throw er; // Unhandled 'error' event ^Error: spawn meteor ENOENT at exports._errnoException (util.js:746:11) at Process.ChildProcess.handle.onexit (childprocess.js:1053:32) at child_process.js:1144:20 at process._tickCallback (node.js:355:11) at Function.Module.runMain (module.js:503:11) at startup (node.js:129:16) at node.js:814:3
{ // Server authentication info "servers": [ { "host": "www.peercapita.com", "username": "root", // "password": "password", // or pem file (ssh based authentication) // WARNING: Keys protected by a passphrase are not supported "pem": "/Users/ritchieng/.ssh/peercapita", // Also, for non-standard ssh port use this //"sshOptions": { "port" : 49154 }, // server specific environment variables "env": {} } ],
// Install MongoDB on the server. Does not destroy the local MongoDB on future setups "setupMongo": true,
// Application name (no spaces). "appName": "peercapita",
// Location of app (local directory). This can reference '~' as the users home directory. // i.e., "app": "~/Meteor/my-app", // This is the same as the line below. "app": "/Users/ritchieng/peercapita_web",
// Configure environment // ROOT_URL must be set to your correct domain (https or http) "env": { "PORT": 80, "ROOT_URL": "http://www.peercapita.com" },
// Meteor Up checks if the app comes online just after the deployment. // Before mup checks that, it will wait for the number of seconds configured below. "deployCheckWaitTime": 15,
// show a progress bar while uploading. // Make it false when you deploy using a CI box. "enableUploadProgressBar": true}
Did you try mupx to see if that works better? It helped me getting things working more quickly.
Yeah. It solves most of my errors.
But I still got the Error: spawn meteor ENOENT error most people face. Still can't find out why.
Oh jeez. Anyone facing this problem, I think you did not install meteor.
Error: spawn meteor ENOENT
SOLUTION:1. curl https://install.meteor.com/ | sh2. meteor appname 3. set app path in your mup.json file 4. mupx setup5. mupx deploy
But now I've another error at "Invoking Deployment"
Any idea what's the issue? Thanks in advance!
-----------------------------------STDERR-----------------------------------Error response from daemon: no such id: peercapita-frontendError: failed to remove containers: [peercapita-frontend]Error response from daemon: Cannot start container e8d7cbe3a0117251a8910b2d6914c279ec778affc0b00877ff8c6f4216c67374: failed to create endpoint peercapita on network bridge: Error starting userland proxy: listen tcp 0.0.0.0:80: bind: address already in use-----------------------------------STDOUT-----------------------------------peercapitabase: Pulling from meteorhacks/meteordDigest: sha256:3c091d2a283b696266c3044f87d2cc8595f9ac837b2de7835cd1af0080aa5f44Status: Image is up to date for meteorhacks/meteord:basee8d7cbe3a0117251a8910b2d6914c279ec778affc0b00877ff8c6f4216c67374
the question that comes to mind, is what were you trying to deploy?
Thanks for the help!
Does it mean I've to populate the application folder with my files before I can deploy? I'm trying to get a theme up and running (INSIPNIA).
my question was about what you were trying to deploy before your realised you needed meteor installed - there is an assumption in MUP/MUPX (and other deploy tools) that you have a Meteor app to deploy,
Your current error seems to be related to this:
Do you have some other deamon running on port 80?
I went to run netstat -tulpn
Active Internet connections (only servers)Proto Recv-Q Send-Q Local Address Foreign Address State PID/Program nametcp 0 0 0.0.0.0:22 0.0.0.0:* LISTEN 899/sshd tcp 0 0 0.0.0.0:443 0.0.0.0:* LISTEN 1614/nginx tcp 0 0 127.0.0.1:27017 0.0.0.0:* LISTEN 13226/docker-proxytcp 0 0 0.0.0.0:80 0.0.0.0:* LISTEN 1614/nginx tcp6 0 0 :::22 :::* LISTEN 899/sshd tcp6 0 0 :::80 :::* LISTEN 1614/nginx
Do I use a different port for NGINX then?
Hey you're right. Amazing advice.
Anyone having this problem, the fix is to edit your port to be 3000. Alternatively if it's a non-essential activity on your server, you can terminate it and it would work.
You can combine Nginx + Meteor to have multiple apps running under the same server, using Nginx to make all the logic.
In your Nginx site.conf:
server {
listen 80;
server_name mydomain.tld;
charset utf-8;
location / {
# this is your meteor app's port
proxy_pass http://localhost:8500;
then you can simply add another app on another port and generate the appropiate nginx redirect
I had a similar issue with mup. This may or may not fix it, but try replace your "host" field with the ip address of your server.
Also, what version of node is on your server? I don't see that your told mup to install node as well. FYI Meteor does not run on the latest version (as far as I know)!
Hey, I wrote 2 very small blogposts about this a while back, you might want to check them out:
@ritx and @garrilla thanks guys, you helped me --> I had nginx running in the background so the lesson is to stop nginx while deploying meteor (or any process using port 80 btw)


text:
Team Around The Child. in Morgan Academy. Gillian Rew, Senior Depute Headteacher. Andrew Wallace, Guidance Teacher. Dennis – Test Case. Nearly 15, at end of S3. Dramatic deterioration in Dennis since S2. Never managed a complete week in school. Low level persistent misbehaviour.
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in Morgan Academy
Gillian Rew,
Senior Depute Headteacher.
Andrew Wallace,
Guidance Teacher.
Discussed with pupil why this meeting was convened.
Who did Dennis want to attend?
( atthe next meeting )
What did he hope to gain from the meeting?
Who did he
want to attend?
Actions revolve around the child / family,
not doneto the family.
As a school, where appropriate we would work with our partner agencies. In Dennis' case these might include :
Who did he
want to attend?
In Morgan Academy, we already convene Level 1 meetings frequently – not knowing that they were called this.
These are integral to our existing practice. On average, each guidance
teacher can have 5 or more TATC
meetings per week.
Who did he
want to attend?
Who did he
want to attend?


text:
Steele stays with Sky Blues
By Mark Buckingham
Last Updated: 01/01/70 1:00am
Coventry City will keep Man Utd keeper Luke Steele until the end of the season.Coventry City have been given permission to keep Manchester United goalkeeper Luke Steele until the end of the season.
The rookie shot-stopper has been at Highfield Road since September and has largely impressed for the Championship club.
Steele has made 16 appearances for The Sky Blues and has established himself as Peter Reid's first choice.
Premiership giants United farmed Steele out to garner experience and they have happily extended the deal to the campaign's conclusion.
Reid admits he is grateful to his Red Devils counterpart Sir Alex Ferguson for sanctioning Steele's stay in the Midlands.
He said: "I had a word with Sir Alex and he's given me permission to keep Luke until the end of the season which is obviously terrific news."


text:
This luxurious, medium-sized camera bag offers space for a DSLR or SLR camera, a 14" tablet or laptop, and more. Two inside pockets, a rear magazine pocket and a large main compartment allow the user to stash small odds and ends in the bag. The double stitched handle and cotton strap make the Midtown Newport Camera Bag easy to grab and go. A removable camera insert gives the user a place to store their camera and lens, but they can convert it to a different style bag by just removing the insert.
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* Double stitched padded handle
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* Main pocket – 14″ wide x 10.5″ deep x 5″ gusset
* Rear cargo pocket – 14″ wide x 10.5″ deep


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text:
Electrolux Ergorapido Plus 18V Lithium Stick Vacuum - WatermelonZB3112AKB 7332543473991
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Featuring compact design, long battery life and 2-in-1 functionality, the Electrolux Ergorapido Plus 18V Lithium Stick Vacuum is designed to suit busy urban households, easy to store and manoeuvre to deliver fantastic cleaning results.
Key Features
- The Electrolux stick vacuum features 2-in-1 design, combining the power or a stick vacuum with the portable convenience of a handheld, perfect for open rooms and tight corners.
- An 18V lithium ion battery delivers impressive suction power with up to 45 minutes of cleaning time, for great results with less frequent charging.
- With BrushRollClean technology, the Ergorapido Plus vacuum's internal blade cuts trapped hairs and fibres, eliminating the need for manual cleaning.
- Ergonomic design, easy gliding motion, and a 180 degree swivel nozzle, the Electrolux vacuum is lightweight and easy to use.
|Barcode (GTIN)
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|Lithium Ion
|Charge Time (hrs)
|Manufacturers Express Warranty (months)
If you feel your product has failed a Consumer Guarantee (as defined by Australian Consumer Law) then don't worry you can easily return it to your local Harvey Norman store. We'll even pay for the postage if you live in an area where there is no store. Our returns policy covers any purchased item (conditions apply).
electrolux ergorapido plus 18v lithium stick vacuum - watermelon is rated out of 5 by 15.
Rated 5 out of 5 by Couch potato 69 from Best vac I've ever owned I purchased 1 of these over 6 months ago with the intention to mainly use it to vacuum the car. It's now I'll permanent house vacuum. The dyson cyclonic is now in the garage as this vac doesn't take up any room and doesn't require a cord. We have floor boards tiles and even a shag pile rug and this vac does it all. Easy to use so now I even get the children to vacuum the home. this is our favourite house warming present we love giving to our friends.
Date published: 2016-08-07
Rated 5 out of 5 by Ros G from Best thing I own I have had my ergorapid for 4 months and it is by far the best thing I own. We have an inside dog and it is so easy to zip around everyday. My floors always look lovely now and it is so easy to use and maintain. Sales person tried to talk me into a more expensive brand, I am so happy I didn't budge and purchased the electrolux.
Date published: 2017-01-23
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Date published: 2016-05-03
Rated 5 out of 5 by Katy the g Rd g from Fantastic vacuum cleaner Great vacuum, easy to use. Wouldn't be great for a big house.
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Rated 4 out of 5 by Elise from Easy to use and clean Lasts long enough to vaccuum the whole house quickly if fully charged. Very easily cleaned/emptied. Lightweight and very easy on the back as it rolls along easily. - picks up dirt (and HAIR) well. The only annoying thing is it's hard to get into corners - even with the dustbuster bit. There is an extension part to do this however.
Date published: 2017-03-21
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text:
THE Western Bulldogs will almost double the number of poker machines it operates at The Peninsula Club, as the AFL says it is still working through whether gaming revenue will be included in an equalisation rich tax.
The Dogs' application to increase the number of machines at the Dromana venue from 20 to 38 was granted by the Victorian Commission for Gambling and Liquor Regulation late last month.
The Western Bulldogs will now have 63 machines in operation — 25 at its Club Leeds venue in Footscray — still a long way short of pokies giant Carlton, which has 290 machines that generated $19.7 million in revenue last year.
The Dogs have 70 further machines waiting to be deployed at the trouble-plagued Edgewater development in Maribyrnong, which the club hopes to have completed before the start of next season.
According to last year's community benefit statements, the Western Bulldogs were the only Melbourne-based AFL club to use any of their gaming revenue on the prevention and treatment of problem gambling.
The 1466 machines run by nine Victorian AFL clubs generated more than $100m in revenue.
AFL boss Andrew Demetriou said whether gaming money would be included in the revenue tax that will come into force next year as part of the league's equalisation measures "hasn't been finalised yet".
Demetriou said the AFL neither "encouraged or discouraged" clubs from being part of the pokies industry, but said it was good that the Western Bulldogs were able to "bridge the gap between them and some of the larger clubs.
"It is entirely a decision for clubs, the AFL's position has been very clear — we don't advance monies for clubs to buy poker machines, it is entirely a decision for their boards," Demetriou said.
"We don't encourage or discourage them — it is another source of revenue for the clubs.
"Some of our larger clubs have a large number of machines and they are generating significant revenues from those.
"The Bulldogs have been working on their Edgewater project for four or five years, so to get a return on that investment I think is important."
Western Bulldogs president Peter Gordon said the $30 million Edgewater development was "the biggest commercial venture in the club's history and hopefully will add significantly to our capacity to service club members and grow our revenue base".
Edgewater, which will include a four-storey hotel, bistro, cafe and conference facilities in addition to a pokies lounge, has been plagued by problems since the Maribyrnong City Council initially rejected the developer's planning permit application in 2008, bringing on a six-week stoush at VCAT.
In a letter to members late last year, Gordon said "the club has faced a myriad of planning, legal, financial and securitising issues over the past two years.
"Much of the detail of these issues remains subject to an enduring obligation of confidentiality on the part of the club as a consequence of an agreement made by the club in June 2011.
"At the end of 2012, Edgewater was marooned in a position in which considerable risks were involved both in proceeding and not proceeding.
"And while I am frustrated that we are legally bound not to go into some of the detail, we have this year substantially 'de-risked' the construction phase of the project for the club and I regard this as one of the more important achievements of the club in the last 10 years."
Originally published as Dogs to double pokie operation