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How to compare car insurance quotes
How to compare car insurance quotes
We're here to help you find cheap car insurance quotes effortlessly
It doesn't take long
Pop in a few details about yourself, your car and driving history, and any named drivers
We'll search for savings
We'll scour the market to find you the cheapest car insurance that offers the cover you need
Car Monitor
We can remind you when your MOT and tax are due, so you never miss your renewals
Which car insurance brands do we work with?
We compare dozens of the biggest insurance providers in the country, including:
We're 100% independent, working only for our customers
Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer the best value, with savings delivered straight to you.
We combine independence, so we can negotiate the best prices, with excellent technology, to find the best value products and services.
That makes us, in our customers' opinions, the best price comparison website.
How to get cheaper car insurance
How to get cheaper car insurance
The average cost of car insurance has increased slightly in the past year to £485, according to MoneySuperMarket data. But any savings are unlikely to be passed on to consumers. Some top tips to lower your premium:
Don't auto-renew
Over a third of motorists let their
policy renew automatically.
Don't be one of them - shop around
Compare quotes
51% of customers who search for car
insurance with us could save up to £280*
on their premium
Increase your excess
Insurers are likely to reduce the cost
of cover if you're willing to
increase your excess
*51% of consumers could save up to £280.94 Consumer Intelligence, September 2020
What do you need to get a quote?
What do you need to get a quote?
Details of the car
The car's registration number if you have it to hand. If not, the car make and model is fine. We'll also need the car's age and any modifications you've made
What you'll use the car for
Social, commuting or business, and how many miles you think you'll do a year. You'll also need to say where you'll keep the car at night for security
Your details
Including your job, your age and your address
No-claims discount (NCD) history
Details of your no-claims discount will help lower the price you are quoted. Use our no-claims discount tool to find out how many years' no-claims discount your insurer will honour
Your licence
The type of licence you have and how long you've held it. You can also add any additional driving qualifications you have here
Our expert says
Our expert says
New driver? Here's what you need to know
New driver? Here's what you need to know
Fully comprehensive
Fully comprehensive insurance protects you, your car and other motorists from damage. It also covers medical expenses, repairs, fire damage and theft of your vehicle
£489 on average†
Third-party, fire and theft
Third-party, fire and theft policies cover repair costs for other people, their cars and their property, as well as your own vehicle if it's stolen or damaged by fire
£733 on average†
Third-party only
The minimum legal requirement, third-party insurance will only cover any damage you cause to other people, their cars and their property. It won't cover injuries to you or damage to your vehicle
£1,336 on average†
†Based on all policies sold, according to MoneySuperMarket data accurate as of September 2020
Car insurance tailored to you
Car insurance tailored to you
The cover you need also depends on what you drive, where, and how. There are also plenty of add-ons to help you find the right deal for you. It usually pays to shop around, because you are likely to save a significant sum of cash by changing insurer every 12 months, when your policy comes up for renewal.
Young drivers
Younger and learner drivers tend to pay a lot more for car insurance because they have less experience behind the wheel, and many buy specialist policies
Business car insurance
If you use your car for business reasons – including driving on behalf of your employer – you should consider taking out a business car insurance policy
Telematics insurance
Your insurer monitors how safely you drive via an app or a black box installed in your car. If you drive carefully, you could see a significant saving
European car insurance
You can drive in most of Europe on your UK car insurance, but there are several countries where you might need additional cover
Multi-car insurance
If there's more than one car registered at your address, a multi-car insurance policy might help you and your household save money
Classic car insurance
Classic cars are usually more valuable – and harder to repair – than modern vehicles. If you own one, you may need a dedicated classic car policy
What policy features can I get with my car insurance?
What policy features can I get with my car insurance?
When you take out car insurance, you'll be able to find policies with the following features.
However these will increase your premiums, so consider whether you really need the following:
Breakdown cover
Which pays for the cost of calling out a
mechanic if your car breaks down
Courtesy car cover
Gives you access to a replacement
vehicle while yours is in for repair
Personal accident cover
Which offers a lump sum if you're
injured or killed in a road accident
Motor legal protection
Which covers legal fees you might face in
relation to a road accident
Windscreen cover
Which pays out for the cost of repairing
or replacing a cracked windscreen
Car keys cover
To cover the cost of replacing your keys
if they're lost, damaged or stolen
Wrong fuel cover
Which will pay for the necessary repairs
required if you accidentally top up with the
wrong type of fuel
Personal belongings cover
Which protects your belongings if
you leave them in your car
No-claims discount cover
Protects your no-claims discount by allowing
you to make a certain number of claims within
a year before it affects your premiums
How has the coronavirus affected car insurance?
With the coronavirus pandemic causing travel restrictions and many of us staying home to work, most people have been spending less time in their cars. Because of this the government has announced some changes to the way things like MOTs, driving tests and other arrangements will be conducted. There could also be changes to your car insurance and breakdown cover. Read our coronavirus and car insurance guide to find out more.
Do I need car insurance?
Car insurance is a legal requirement for drivers in the UK, thanks to the continuous insurance enforcement rules brought in as part of the road safety act of 2006. This means that unless your car is registered as off the road with a SORN, or in the process of being bought or sold, you could be faced with a fine for not insuring your vehicle.
Why is car insurance for new drivers so expensive?
New drivers and young drivers alike generally pay much higher car insurance premiums as insurers see these groups as higher risks of being involved in a road accident – therefore more likely to claim on their insurance policy.
Do driving courses help lower the cost of insurance?
While driving courses such as Pass Plus or IAM make you a better driver, they won't always save you money on your car insurance policy. In fact the average person won't see any difference in premiums whether or not they have Pass Plus on their licence – but that doesn't mean it can't benefit anyone at all. Younger or inexperienced drivers might be able to save a few quid, but it's better to shop around and compare options – this way if insurers do offer discounts you'll be able to take advantage.
How does telematics cover work?
Telematics cover involves your insurer monitoring your driving habits and adjusting your premiums according to how you drive. They do this through one of three types of telematics tech – either a black box (the most common) installed under your dashboard, a plug-in device or an app on your smartphone.
This is particularly useful for sensible new drivers as it offers a way to get lower car insurance premiums as a reward for driving safely.
How can my parents help me get cheaper car insurance?
As a young or new driver, you might be able to knock a few quid off your premiums by adding another more experienced driver to your policy – in most cases this will be your parents. This suggests to insurers that you won't be the only person driving the car, therefore the assumed risk won't always quite so high.
While this can be a good way to get cheaper cover, people sometimes take advantage of this by declaring the older or more experienced driver as the 'main driver' – when in reality it'll be the young or new driver using the car more frequently. This is known as 'fronting' and is illegal.
Is it cheaper to pay monthly or annually for car insurance?
You're likely to get a better deal on your car insurance policy if you pay an annual lump sum rather than in monthly instalments. This is largely because in a way monthly payments are similar to taking out credit – you'll be covered in full, but without having paid the full amount yet.
Paying monthly can be useful as you'll be able to spread the cost out, but you will end up paying a little extra overall.
What does excess mean?
Excess payments refer to the cost of making a claim – it's essentially how much you'll need to put towards the total claim cost before your insurer pays the rest. Volunteering a higher excess fee on top of the compulsory amount indicates to insurers you won't bother making small and frivolous claims.
What is a no-claims bonus?
A no-claims bonus is what you earn when you go some time without claiming on your policy. The longer you've gone without claiming, the more your insurers will knock off your premiums as they'll see you as less likely to make further claims in the future.
You might consider not claiming for an accident if the damage done to your car is minor and it would be more sensible to pay for the repairs yourself – let's say the excess you'd need to pay was more than the overall repair costs. This way you'll preserve your no-claims bonus as well as being better off financially.
Do I have to tell my insurers about an accident if I'm not going to claim?
If you're involved in an accident and you decide not to make a claim, you should still inform your insurer. They'll keep their records up to date, so they know what condition your vehicle is in and whether this will affect your likeliness of claiming some time in the future.
If you don't keep your insurer updated, it's possible this will void your insurance policy so you won't be able to claim when you really need to.
Do I need a credit check to buy car insurance?
Insurers look at a range of factors when deciding on your insurance premium, including your credit score. But they will also look at your age, your job and the car you drive, as well as where you live before they make a decision. If you have a bad credit score, it is still possible to get car insurance – you just may need to shop around.
How do I estimate my mileage?
One of the factors used to calculate your car insurance quote is the number of miles you drive on average per year. To calculate your own personal mileage, you can:
- Look at the number of miles you drove the year before on your annual MOT certificate and estimate mileage for the coming year
- Check your car's service record - mileage is noted in your logbook every time your car has its annual service
- Calculate how many miles you drive each day and add them all up
How do I work out my car's value?
In most cases, the value you declare on your insurance policy documents will be the price you initially paid for the vehicle.
Be mindful though, that if you make a claim and your car has been written off your insurance provider will pay out the current market value of your car, not the initial price you declared on your insurance documents. This is because vehicle devaluation is also considered.
How long is my quote valid for?
How long a quote is valid for is down to the insurance provider. Using our price comparison service you can save your searches, but there's no guarantee the price you saved will be the same as the price you get when you purchase.
How does my job affect my car insurance?
Car insurers collect data about previous claims and use it to predict how likely it is that people in different occupations will make a claim in future. If the insurer judges your job to be higher risk than another one, you'll likely pay more. Find out more about why your job affects your car insurance cost.
Can I drive someone else's car?
Even if you have comprehensive car insurance, you might not be insured to drive someone else's car. Cover for driving others cars (DOC) used to be included in most comprehensive policies but this is no longer the case. You will often have to request it and pay for it as an extra.
Will I be charged if I cancel my policy?
Usually if you cancel your policy within the first 14 days, most insurance companies won't charge a cancellation fee but check the small print because some will. If your policy has been active for longer than 2 weeks, you're likely to have to pay a fee for cancelling plus the cost for the time you've been insured (pro-rata).
I had to claim last year, will my insurance go up?
Even if it wasn't your fault, making a claim will almost always lead to an increase in your car insurance premium. A non-fault claim won't affect it as much as an at-fault claim will though.
How do I claim on my car insurance?
To make a car insurance claim, you'll first need to notify the police. They will give you a crime reference number that you'll then need to give your insurer.
You usually have to call your insurer to make a claim, though you may also be able to claim online or by filling out a form and sending it by post.
When might my claim get rejected?
There are a several reasons as to why a claim could be rejected:
- Incorrect information: For example, about how something got damaged or you were dishonest about key personal information
- Lack of due care: Leaving valuables on display in your car which are then stolen might mean you're not covered, for example
- Not reading or understanding your policy: You may miss certain clauses that specify conditions under which you can or cannot claim
- Using out-of-date or invalid documentation: For example, if your road tax or MOT documents are out of date or your driving licence isn't valid
Explore more car insurance
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So how do we make our money? In a nutshell, when you use us to buy a product, we get a reward from the company you're buying from.
But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?
We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.


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subset: commoncrawl


text: They're the magic beads that join with a spray of water! A whole new world that you can make one bead at a time. Choose a template and make up your design, spray with the water and WOW! You've created Beados! Everything you need to start creating, including 500 beads, 1 bead tray, 1 mini water sprayer, 2 display stands, 6 design templates, and instruction booklet.


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I love good surprises. Especially those that happen with casual things. Like a discovery of some new tea in the grocery store. This weekend was full of surprises, and not only casual 🙂 It started with the fact that I finally managed to clean my apartment (woohoo, it took just 3 hours), then continued with myself finally getting brave enough to buy a new "toy" (hopefully a big boost to my photography) and finally, finished with a nice self cooked hüftsteak and listening to some quite impressive choir performance. Why was it all a surprise? Because I planned none of it. And I am happy 🙂
Wish you all pleasant evening and a nice start into work week.


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This article is from the archive of our partner .
Mitt Romney's running mate isn't going to be making very many people happy this afternoon thanks to a few choice words about the U.S. being "a country in decline" and an exclusive report from The Nation about how in 2010, Ryan asked for a grant from the Obama administration which was funded by Obamacare--which his ticket has promised to dismantle should they be elected.
Let's start with that Obamacare grant. The Nation's Lee Fang has a report on how "Paul Ryan Quietly Requested Obamacare Cash," or more specifically, how Ryan wrote a letter to the Department of Health and Human Services to recommend a grant for a community health center in his district. "The grant Ryan requested was funded directly by the Affordable Care Act, better known simply as health care reform or Obamacare," writes Lee. Of course, asking for money from Obamacare for his district rather undercuts Ryan-Romney's tough talk and vow to repeal Obamacare. And this inconsistent talk-action brings to mind a story from last month when we found out Ryan had asked for stimulus money in 2009, despite campaigning against stimulus spending in Congress.
There's something else Paul Ryan did today that is rubbing people in the Obama camp the wrong way. In Adel, Iowa Ryan reminded supporters that the national debt has surpassed $16 trillion. "That's a country in decline," Ryan was quoted as saying in the AP report. That isn't too much different than what Ryan has been saying on the campaign trail so far, but it touched a nerve with the Obama campaign's traveling spokeswoman Jen Psaki. "What a pessimistic comment to come from the Republican ticket at a time when we're continuing to recover. More work needs to be done..." she told reporters aboard Air Force One. No word yet if Psaki has seen that Nation report.
This article is from the archive of our partner The Wire.
We want to hear what you think about this article. Submit a letter to the editor or write to firstname.lastname@example.com.


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This commercial property is the ideal entry point into the Inner West investment market. Ideal for owner occupy or investment.
there are two entry point to this property, can be easily convert to two shops on separate entry, it's leased to a Real Estate agency and has a net income of $620 per week, all outgoings are paid by the tenant. There are also has Internal toilet and kitchenette, 2 security car spaces on title. High traffic flow commanding a corner position, only a short stroll to all amenities.
Located in sought after high exposure and convenient location with street front window display, walking distance to shops, school and station. Great investment opportunities!


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15:10 16 October 2013
In May, a US Senate Committee said that Apple had utilized "a complex web of offshore entities" to avoid paying taxes in the United States that could amount to billions of dollars. Now, Ireland's Finance Minister Michael Noonan said that his country plans to close a loophole used not just by Apple but also other firms to avoid paying the right taxes.
Currently, giant companies are able to funnel profits into Irish subsidiaries or ghost companies that had no declared tax residency anywhere in the world.
Noonan said: "Let me be crystal clear. Ireland wants to be part of the solution to this global tax challenge, not part of the problem."
The Irish government also said on Tuesday that it will make it illegal for a company to have no tax domicile. However, companies will be able to nominate any country as their tax residence. Experts say that this will not make a huge difference to the amount of tax paid by Apple as they could just switch tax countries.
Microsoft and Google have Irish subsidiaries that legally channel money to Bermuda where they pay zero tax.


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SC Commerce will manage an exception process specific to events where more than 250 guests are expected. Get information about the process for requesting event approval here.
CARES Act Unemployment Insurance Update
Congress recently passed the Coronavirus Aid, Relief, and Economic Security Act (CARES Act). That law includes several changes that may affect your eligibility for unemployment benefits.
COVID-19 Support Payments Explanation
Businesses in our state who have been compelled to place their employees on furlough (i.e., a temporary period of time during which an employee performs no personal services for the employer as a result of a layoff caused by the economic impacts of COVID‐19) may also receive unemployment insurance (UI) benefits. The Governor's Executive Order clears the way for employers – who choose to take advantage of this voluntary option – to make these COVID‐19 Support Payments without such payments affecting their employees' eligibility for UI benefits.
COVID-19 Unemployment Insurance FAQs
Frequently asked questions for individuals and employers related to unemployment insurance.
COVID-19 Unemployment Insurance Guide
A guide to general information on unemployment insurance.
Employer Claims
Employers who have a temporary shutdown, are experiencing a slow or smaller workload than normal, or have temporary/seasonal work can request permission to file claims on their workers' behalf. These are called Employer Filed Claims. In response to the interest in Employer Filed Claims due to COVID-19, there are some materials to help guide you through the process.
Individual Claims
In South Carolina individuals filing a claim for unemployment can receive benefits up to 20 weeks. The average weekly benefit amount is $236. The maximum weekly benefit is $326.


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- Award$400
- Entries83
- Creatives47
- Feedback/StatsGood
Business Info
Business Name
What do you do?
Creative Director
What is the exact name you would like in your logo?
Target Audience
What is your industry?
Web - Social Media
Describe the target audience for your logo
College students.
What are the top 3 things you would like to communicate through your logo?
Creative, Cool, Professional.
Style and Concept
What logo styles do you like (text only, image only, text and image, etc.)?
Logo should fit along side brands like: Linkdin, facebook, twitter, foursquare, flickr, etc.
What colors do you want to see in your logo?
What colors do you NOT want to see in your logo?
Where will your logo be used (print, website, etc.)?
website, shirts and swag
Do you have other info or links you want to share?
Needs to work as vector art as well - 3D marks may not win award.
No Files Added


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Creative customers who have picked up paint at Community RePaint Wirral have created some amazing projects during June. Why not try something similar in your own home?
Upcycling a pallet – Sue picked up a pallet to add a splash of colour to her garden
Redecorate your bathroom – David used Gorgeous Grey from our ReColour range Children's bedroom – A special mum picked up paint from Community RePaint Wirral for her children's bedroom A splash of pastel – Vicki updated these dining room chairs into a rainbow of pastel coloursQuirky Furniture upcycling – Jennifer upcycling drawers into a VW Campervan, for a friend who is a fan of all things VW.If you want to see more projects using paint around the home, visit the Community RePaint Wirral Facebook page.


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French AFD approves 80 mn euro loan for hydro projects in HP
French development agency AFD will assist India with an 80 million euro loan facility for developing two hydro-electric projects in Himachal Pradesh.
An agreement was signed between the Department of Economic Affairs and AFD in India for the credit facility today.
A programme is to expand Himachal Pradesh's clean energy capacities and meet the strong growth anticipated in electricity demand.
It will finance two run-of-river hydroelectric plants, namely Deothal Chanju HEP (30 MW) and Chanju III HEP (48 MW) situated in the Chanju river basin.
"The project aims to provide a capacity of 78MW of renewable energy, which will generate 280 GWh of electricity per year and reduce 276 000 tCO2eq in annual greenhouse gas emissions," AFD said in a statement.
The construction of these plants will not involve any displacement or resettlement of population, thus reducing the potential negative social impacts of the project.


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The Aquis team held three successive days of stallion parades at our Hunter Valley property.
Attended by a host of breeders, clients and shareholders, the crowd viewed our six locally based stallions, headlined by our two new recruits for the season; the dual Gr.1-winning sprint sensation Brave Smash and I Am Invincible's Gr.2-winning juvenile Santos.
"We were extremely proud to parade our stallions over the weekend," stated Aquis Farm Head of Nominations Jimmy Unwala.
"All the stallions looked in fantastic order and NSW Stallion Manager Ejaz Hussain and his team should be applauded for turning them out in such magnificent condition.
"Each, and every stallion we select to join the Aquis roster has been chosen based on succinct criteria of exceptional ability, juvenile precocity, speed and conformation, and we feel the 2019 roster is our best to date, offering breeders the opportunity to access proven bloodlines and competitive fees.
"A dual Gr.1-winning sprinter of the highest calibre, defeating an outstanding array of top-class Gr.1 winners during his career, Brave Smash epitomizes what all breeders look for in a stallion prospect, while Santos showed from early on that he was a high class juvenile with exceptional speed, winning the Gr.2 Skyline Stakes, a race that has given us numerous proven Gr.1 sires in the past, like Snitzel."
Divine Prophet
If you were unable to attend the parades, please contact the NSW farm on (02) 6546 6550 to arrange a time to inspect the stallions and tospeak to our Nominations Team.


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Visit Our Showroom
Our showroom boasts an impressive selection of giftware, perfect for any occasion. We specialize in statuary and have something for any collection, all year round. Additionally we have a rotating selection of seasonal scents, jewelry, handbags, scarves, kitchenware, and more!
Among the inventory you will also find our handmade permanent arrangements, all one-of-a-kind and made right here in house by our talented designers! There is something for every style and budget from wreaths, to centerpieces, to wall hangings and beyond. We can always create something new and made just for you.


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Today's guest is Rachel Funk Heller who began her career as a journalist and worked as an independent television writer/producer for twenty-five years. She is a former CNN producer who worked in both the Atlanta headquarters and in the Washington DC bureau. She is the author of The Writer's Coloring Book®.
Writing great fiction is hard work, both mentally and emotionally. There are times when you need to give yourself a break and have some fun—pure, unadulterated, free flowing fun. It feeds your soul, and in the long run it will help you craft better books.
Connect with Rachel on Facebook and Twitter.
Creativity, Brain Waves, and Having More Fun
Summer time. I used to love summer because it meant three whole months of no school and lots and lots of playtime. Most of that playtime was filled with fun things that let your imagination run wild. We had paper dolls, connect-the-dots, finger paints, and coloring books to fill our time. [pullquote]Turns out, finding a simple craft or playing with old toys may be just the thing you need to improve your writing…[/pullquote]The best part was that no one cared if we made purple elephants or painted red suns and orange moons. Wouldn't it be fun to go back to that carefree time? When you could let your imagination roam free?
Turns out, finding a simple craft or playing with old toys may be just the thing you need to improve your writing, to help you get out of a writing slump, or just to remind you why you chose this path in the first place. Yes, writing is hard work, but it can also be the best fun a human brain can have.
Today we have more accurate information on how the brain works. We know it produces electrical activity that can be measured as brain wave patterns. When you were a young child your brain waves were not moving very fast. There was activity, but it was mostly in what's called the Theta/Alpha range. This is that loose, almost trancelike space, more like daydreaming than thinking. The analytical mind had not "kicked in" yet. So, when you painted the purple squirrel in an orange tree eating blue bananas, you didn't care if the final piece was any good, you were just having fun. Sure, it was nice when mom gave you a big hug and taped your work to the refrigerator, but that's about as far as it went.
[pullquote]You need to find a way to get out of Beta, and back into that Theta/Alpha state, just for a little while. You'll calm down. You'll feel relaxed and less stressed about your work.[/pullquote]Now that you're all grown up, and you've chosen the path of writing, the biggest difference is that you care too much about how the work comes out. Now there are all sorts of expectations related to your work. You have invested so much time, effort, and so much of your soul that you need to know: Is it any good? Will reviewers give it five stars? Will people buy it? Is it a "great" book?
What is happening in your brain? You are now revving in what is called high Beta. It's great because now you can think up great characters and great storylines, but that comes with a whole lot of stress.
What's the solution?
How do you fulfill your desire to create high quality work, without stressing to the point that you can't even sit at the keyboard without having an anxiety attack? It's simple. You need to spend some time slowing down your brain.
You need to find a way to get out of Beta, and back into that Theta/Alpha state, just for a little while. You'll calm down. You'll feel relaxed and less stressed about your work.
Here are three ways to accomplish this.
Make time for a fun hobby. Fun is the key word here. String some beads; try woodworking. Or how about knitting or even scrapbooking? Find something creative where you can get instant gratification, but something where you really don't care that much about how the final product comes out. Don't worry about making it "perfect," just spend some time playing with it. While you do this, let your mind wander around. Explore story ideas, character ideas, etc., if they come to you, but don't force it. The idea is to get back to that Theta/Alpha space where no one cares what you turn out. There is no one judging you, and especially, don't judge yourself. Just have some fun!
Meditation. There are various forms and styles of meditation out there that you can explore. Find one that you like and that you can fit into your schedule. The goal of meditation is to get your brain wave patterns to slow down into the Theta/Alpha range. A new Harvard study shows that not only does meditation help you feel relaxed, it literally helps to re-build your brain.
Daydreaming. Okay, so if you know you can't wake up a half-hour early to sit in meditation, set your alarm clock fifteen minutes early and use that time to simply lounge in bed. Really, instead of leaping out of bed and bolting into your busy day, give yourself that luxurious feeling of lying in bed with nothing to do. Let your mind wander. Think of your story and let it just roll around in your mind's eye. If you get any new ideas, that's great. If you don't, it's okay. Just the act of setting your creative work as the priority for your day will boost your mood, because that time is yours. It doesn't belong to anyone else. There will always be plenty of time to worry about your day job.
I hope you find these ideas helpful, and I wish you all the best in ALL of your creative endeavors.
What was your favorite form of self expression when you were a kid? (me, I loved my spirograph!) Have you ever gone back as an adult and tried it? If you have kids, do you paint, or play with crayons when they are in the midst of a purely creative moment?


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Train in Vain(ity)
California Gov. Gavin Newsom says he's ending the state's effort to build a high-speed rail line between San Francisco and Los Angeles.
Newsom said Tuesday in his State of the State address it "would cost too much and take too long" to build the line long championed by his predecessor, Jerry Brown. Latest estimates pin the cost at $77 billion and completion in 2033.
Newsom says he wants to continue construction of the high-speed link from Merced to Bakersfield in California's Central Valley. He says building the line could bring economic transformation to the agricultural region.
And he says abandoning that portion of the project would require the state to return $3.5 billion in federal dollars.
I lived in Merced for about three years in the late nineties, with a girlfriend who lived in Fresno for a portion of that. I can maybe see taking the line down to the 'No if you can get around easily. There isn't much to do in Merdead (as it was known) but with the UC having opened there, things are starting to happen a little bit. But I can't see it driving economic development in any way, shape or form. The local economy is Agriculture and Oil in that area, both of which take a lot of secondary driving; to farms and ranches, to oil fields. One needs a vehicle, not a politicians folly. I foresee even this part coming to naught. And many locals never got on board with the project to begin with, often stating that the money would never show up, and if eminent domain was invoked, the land would be taken by the state and never used or unsightly half built sections would be left.
Patterson, an outspoken opponent of the bullet-train project, said he fears that much of the $68 billion needed to build the rail line from San Francisco to Los Angeles will never materialize, leaving an incomplete section of track sitting in the Valley. To date, the state has about $6 billion available for construction in the Valley, including about $3 billion in federal stimulus and transportation funds from the Obama administration. Patterson added that lawsuits also continue to confront the rail agency.
"Eminent domain is absolute and irrevocable," he said. "If the funds fall short or the litigation succeeds, there is a real possibility that all this property won't be utilized."
Like Patterson, Chris Mathys is no fan of California's contentious high-speed rail project. The former Fresno City Council member and avowed tax-fighter is philosophically opposed to the state spending billions in taxpayer money on a 220 mph passenger train through the state by way of the Valley.
But when the California High-Speed Rail Authority and Public Works Board went to court last fall to take a piece of property he owns on G Street in downtown Fresno, Mathys understood it was just part of the state doing business.
Mathys' land is one of 50 properties for which the state has filed eminent domain lawsuits in Fresno County Superior Court since last spring. And the pace of those lawsuits is accelerating. Thirty condemnation cases have been filed by the state since March 1, including seven notices of pending legal actions recorded in a single day last week. And that doesn't count eminent domain lawsuits filed by the state Department of Transportation for its project to relocate Highway 99 between Ashlan and Clinton avenues in west-central Fresno to make way for the high-speed train tracks.
The rail-line might have sounded good at one time; a high-speed trip, blasting from LA in the south to SF in the north, with maybe a stop in Fresno. But as time ran on it hit many snag's:
California's High Speed Rail Authority is still paying for a costly decision five years ago to begin construction in the Central Valley without securing land and before it had completed key plans, according to a report published on Thursday by State Auditor Elaine Howle.
Howle's office estimated that the rushed construction contributed to $600 million in cost overruns just for segments in the Central Valley. They may require as much as $1.6 billion more.
The auditor wrote that the project's finances could worsen if it fails to accelerate its progress. It may have to repay as much as $3.5 billion to the federal government if it does not complete its Central Valley legs by 2022.
"The authority's spending to date and future projections suggest that the risk of such additional cost increases is high," Howle wrote.
High-speed rail would have been a wonder for California if built in the sixties like Japans famous Shinkansen. But in the 2000s, in a state renowned for its NIMBYism, when the flight time is a third of the rails high-speed, it never really made sense. But the end result is a politician's vanity project, rushed and ill-conceived, living on borrowed time and another man's memories.


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Vladimir Urošević is employed at the Ministry of Internal Affairs of the Republic of Serbia and has over 15 years of experience in the prevention of economic and high technology crime. He has acquired experience in IT and IT abuse both in Serbia and abroad. He holds a degree in both police science and law. In 2006 he earned his MA in integrated land monitoring from the Faculty of Security Studies in Belgrade.
In 2008, he earned his PhD in IT and its application in preventing illegal trade of rare and endangered animal and plant species, from the same faculty. In 2010 he was appointed research assistant in security and law at the Institute of Comparative Law in Belgrade.
In 2016 he was appointed docent at the Faculty of Business Studies and Law at the Union – Nikola Tesla University. He has written and co-written more than 60 scientific and professional papers, some of which have been published in international journals; also, his work has been referenced in several scientific papers. He has participated in multiple projects regarding the fight against high technology crime, carried out by the Ministry of Internal Affairs. He is a board member in local journals and conferences, and a reviewer in local journals and international conferences.


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Transparent Pricing Initiative in Rwanda
The following articles have been published about the launch of MFTransparency's Transparent Pricing Initiative in Rwanda.
We would like to preface them with an important clarification: While we do hope that our work on facilitating transparent pricing ultimately lowers interest rates, this result is not anticipated in the short-term but rather as a potential long-term impact. This trend can only be measured once the initial data collected is updated, and the first full update takes place one year after the initial data launch. Further, while lowered interest rates are the theoretical result of increased transparency and competition, this is not a guarantee that prices will actually decline following the Transparent Pricing Initiative.
- The East African: Interest rates on microloans in Rwanda to drop
- Rwanda News Agency: Excitement as new lower interest rates regime looms for small businesses
- ContactFM: Reforms in Microfinance Expected


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RIP Microsoft Paint
Remember Microsoft Paint? The program that came pre-loaded on every Windows computer that let you draw random things? Paint was a staple of my childhood. Any time I had extra time in computer class I always went straight to Paint (or sometimes Oregon Trail. If they had that on that computer.)
Well, the Paint party might be over. Although not officially confirmed, it is likely that Microsoft will remove Paint with its next update. Granted, Paint is extremely limited in what you can do. It's no photoshop. Its main purpose is nostalgia, and I just like knowing that it's there. And furthermore, Paint still had 100 million monthly users as of last year, so people DO still use it, Microsoft!!
RIP Paint. Thank you for always being there for me when I didn't feel like paying attention in school. It was much appreciated.
Pour one out for the homie Microsoft Paint. Microsoft is killing it off with Windows 10 this year. -- #memories pic.twitter.com/Cw9SijHqhd— Complex (@Complex) July 24, 2017


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At our recent Community Carol Service and this morning in Fitzroy, Paul Bowman and I were trying to look at the stranger than fiction downside up story of God becoming human. I wrote this...
Lord, The County Council of Heaven Events Sub Committee met about the BIG BIRTH… the GRAND ARRIVAL…
We don't want to leave anything to chance.
God becomes human
It's a big deal.
We see majesty, holiness, splendour, power and worship… World wide worship..
We have chosen Jerusalem Jubilee Maternity Hospital
It is near the Palace
It has a great reputation
All princes and princesses are born there
They can deal with the world's attention
And we kind of liked the play on Jubilee…
It's the little detail's with us
We are putting in a new wing starting in the morning…
We want comfort, professionalism, no risk, no germs, no animal smells… AS IF…
After all these centuries… 9 months is not a lot of time
We have purchased a brand new state of the art helicopter
On stand by for any emergency
And Mary will have an Emergency hot line 24/7
We have googled one in Belfast…
She comes with great CV
And Wikipedia say she's the best int he world
Nothing to chance
Now… media…
We will insist on a media blackout for a few days
And then…
An open topped limousine to the Palace
With bullet proof glass of course
The a press conference
Beamed all around the world…
And… could we as this ONE special time
The Universe… Perhaps?
Anyway… time to talk about the detail
The Press office are on it
And then the Party
All world leaders
And U2 are being booked
Only one person that God wants to meet eh… Bono…
As they say, the only difference between you and Bono Lord is that you don't think you're Bono
Sorry sir… I know you like Bono
Anyway… enough jokes… anything we left out
No maternity ward… no room at all…
No helicopter… a donkey
No midwife… not even her mother
No press… Bethlehem… Bethlehem
No limousine… fleeing to Egypt as a refuJesus
The detail is all in the Bible
Really… ok…
You want us to locate a few shepherds… and eastern mystics…
Thank you sir…
Oh well at least he wants a choir!!


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History is defined as the study of the past events, especially individuals. It is a fundamental pursuit that is common for the entire human societies. Humankind has ever been interested within the previous events for several reasons. Moreover, history is a marvelous story, a transforming narrative filled with massive characters, fight and suffering, mayhem and victory. History, therefore, gives people the sense of individuality, assisting them to comprehend their roots. It also offers a sense of background for people's lives and reality, teaching them their origin and how they ought to approach the future.
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Obama Health care reform
1984 1999 2001 2008 2009 2010 2011 2012 2013 2014 Acorn Barack Obama Blagojevich trial breaking news Chicago Tribune Citizen Wells open thread Congress Electoral College votes Fox news Glenn Beck Jeremiah Wright Kerchner v Obama Larry Sinclair Natural born citizen Obama Obama birth certificate Obama eligibility Obama Indonesian Obama lies Obama not eligible Obama not natural born citizen Obama thugs Obama's eligibility must be challenged Open thread Patrick Fitzgerald PHILIP J. BERG Philip J Berg lawsuit Rezko Rush Limbaugh U.S. Supreme Court update US Congress US Constitution US Constitution Hall of Shame YouTube video
Alonzo Monk pleads guilty, Obama Health care reform, Rod Blagojevich health care, Illinois pay to play, Chicago politics, Chicago corruption, Obama cronies, Monk and Obama ties
Alonzo Monk pleads guilty Part 1 I was preparing an article on Alonzo Monk, former chief of staff for Rod Blagojevich, who just pled guilty to corruption charges. Instead of just writing the simple story, a story barely covered by the press, I wanted to provide more background information and the depth of involvement in crime and corruption in Chicago and Illinois and how this is also an indictment of Barack Obama. As in any story involving Obama, there is just too much to write about in one article.Read More


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Why We Love AAC Language Experience Activities
We love hearing the ways in which SLPs are using language experience activities in their therapy. That's why we woke to big smiles today in hearing the story of a clinician who was having fun teaching the word ALL with goldfish crackers. Her little AAC friends could ask for a cracker and get one, or ask for ALL and get a pre-packaged portion. The power of contrast works in our favor in times like these. And it could easily be done with puzzle pieces or Lego blocks or any number of things. We can highlight it when we ALL leave the room or play a game as a group. Families can get in on the action, too. They can check to see if they have ALL the items from a list in the shopping cart or if they've put away ALL the groceries or laundry. Repetition with variety: another of... [Read More...]
Filed under: PrAACtical Thinking
Tagged With: language experience activity, language teaching, vocabulary instruction


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Our Dan Brown-tinged era has put a kind of "full-employment act" in place for spinners of Templar myths. Some of these entrepreneurs cater to the desire for escapism and fantasy (which, given the state of the world at the moment, is perhaps understandable). Much of it is less benign, from the dozens of murders and suicides connected with the so-called Order of the Solar Temple in the 1990s, to the ruthless Caballeros Templarios drug gang in Mexico that split off from the equally fearsome La Familia cartel. The latter has produced a 22-page "Templar code" for its criminal members, including a pledge not to use or sell narcotics on Mexican territory. How chivalrous.Share
What is it about the Templar myth that seems to beguile both the general public as well as those who are unhinged or engaged in nefarious activities? With the horrific bombing and shootings in Norway on July 22nd, that question has taken on greater urgency — though the world's media are having difficulty making sense of it. (Read entire post.)
A Prayer Against Spells
4 days ago


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June 13, 2016
pinot grigio, red wines, wine properly
All About The Wine World Of Today
TIP! When you store your wine properly, you enhance the flavor it can produce. Your wine can be damaged if stored at the incorrect temperature. By choosing the right wine, you can add an extra layer of fun and sophistication to any social occasion. But, it pays to take the time to learn about choosing, […]


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As the Coalition Government proceeds with its consultations regarding existing Employee Share Option Plans (ESOPs) legislation, Deloitte has made a submission addressed to Treasurer Joe Hockey and Minister Ian McFarlane which emphasizes the need of a more comprehensive review.
The professional services firm proposes a four-point solution which entails: a clear definition of 'startup'; more contextual tax rules; a simplified valuation methodology for ESOP tax purposes; and standardised documentation accessible on the Australian Tax Office (ATO) web site.
In its submission, Deloitte advocates the definition of startups as "an Australian-based business with consolidated revenue of $15 million per annum or less, and providing (new) products or services for no more than ten years in Australia."
Distribution Central CEO, Scott Frew, on the other hand said that it should not be a matter of defining companies on financial grounds.
He told ARN that "the changes shouldn't just apply to micro-startups, it should be all privately-held companies, as they can't trade the shares like a public company."
This is because options offered to employees by private companies are intangible and can disappear.
Using the distribution company as an example, Frew said, "When I started Distribution Central, it was a $1.7m business. We are now approaching $300m, but I still consider myself a startup."
"It's a philosophy in our heads, not the fact that we are small. We are still issuing options to new staff that we want to keep motivated, so it's still a problem for me."
Frew said that the failure to undo the umbrella decisions made by the former Labor Government will force talent in the local IT industry to move offshore as the tax regime is draconian.
"If you're a software developer and you want to go for a new startup, it's better to do that in the US because you won't get taxed on the options they'll issue you."
"It should be a case of 'great employee, here's some options – if we're lucky enough to sell, you'll make your bonus at that point, and pay your tax as normal at that point'. That way the employee doesn't have to pay money on something he or she doesn't necessarily have."
The existing ESOP legislation was implemented to prevent public companies offering employees options rather than incomes to mitigate taxes.


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Sacramento Court Describes IT System in Survey as a Nightmare
SAN FRANCISCO (CN) – Of all the California courts that responded to the state auditor's survey on a massive judicial computer project, perhaps none wanted it to work out more than Sacramento Superior Court. Since 2010, the court has spent more than $17 million of its meager budget on staff and computers trying to accommodate the new IT system pushed by judicial bureaucrats, only to realize it had entered "a nightmare."
In a withering 33-page survey answer, Sacramento chronicles the almost continuous problems with the new computer system, from constant system crashes and slow response times to pervasive defects that the developer, high-priced consulting firm Deloitte, seemed incapable of adequately fixing. Sacramento uses several pages of its response to document observations from judges and clerks on the Court Case Management System
"I have heard nothing but complaints about how awful CCMS is," one judge responds. Another says, "My clerk and other clerks have said CCMS is a nightmare!"
In answer to a request from Courthouse News, the state auditor provided survey answers underlying a report by the auditor issued in February, a report that blasted the Administrative Office of the Courts over the expense and lack of control on the project.
The answers from a large majority of California's 58 trial courts are critical of the IT endeavor which some judges have described as a "boondoggle."
But two of the survey answers have been surprising in the level of heat they direct at the central administrators combined with the intimacy of knowledge about the new software. Those two courts are Orange County and Sacramento County, surprising because both were early and enthusiastic endorsers of the big IT project only to come around to a deep and abiding anger with the software, its backers and the fundamental direction of the project.
The survey answers have been reported here as part of a series covering the reaction from courts in different regions of the state, from the Central Valley to Northern California and from Southern California to the Central Coast.
This article concludes the stories based on survey answers from individual courts. Sacramento's answer is noteworthy in that the court sought individual answers from its judges and clerks to produce a 33-page survey answer, the longest of them all.
Within those pages is a tale of frustration and grief.
The complaints of the Sacramento judges and clerks move from general attacks on the system to more specific grievances as they note the slowness and counter-intuitiveness of the new software.
"I have not used CCMS since 2009. When I did use CCMS I found it to be cumbersome and time consuming," said one Sacramento judge. "Locating information and documents was very difficult and slow. Sometimes when I found a document, it took too long to retrieve it from the system or the document did not come up on my computer, forcing me to start over to retrieve it."
"It takes my clerk twice as long to enter data into CCMS compared to our court's locally-developed program," says another judge.
Using a dark analogy, on judge said, that asking clerks to use CCMS even while it is riddled with bugs is "the equivalent of tasking the clerks with utilizing an airplane in flight while the actual plane is being rebuilt as the flight is progressing."
Sacramento Superior has had some form of the software, with the latest working version called V3, since 2005.
"CCMS has resulted in the need for 38 percent more staff in Sacramento Superior Court's civil operational arena, primarily as a result of additional data entry tasks that did not exist in the previous case management processes," said the court's survey answer.
Its survey response indicates that problems began with the system in 2007, when it first expressed its concerns to the judicial bureaucracy of the Administrative Office of the Courts, the agency responsible for the CCMS experiment, about numerous glitches and the AOC's inability to make Deloitte to fix them.
"On June 12, 2007 the Sacramento Superior Court expressed its concerns with respect to the poor quality management of CCMS to the AOC. The court wrote it is 'committed to the concept of a single statewide case management system and strongly desires to see CCMS a success,'" the court says, in recalling the history of its dealings with California's central bureaucrats.
"We are concerned," the court wrote early in the process, "that Deloitte is not required to fix the defects. The current set-up provides no incentive for them to produce a quality product the first time. It appears Deloitte is paid to build the application, paid to fix their errors, paid again to fix fixes.'"
According to Sacramento Superior, the primary problem is that its computers are now hooked up to the California Court Technology Center, a remote server in Arizona.
"Given that CCMS V3 for the Sacramento Superior Court is installed at the CCTC in Tempe, Arizona, the court has had significant performance and stability issues from day one. The Sacramento Superior Court has had to endure many outages which have totally shut down CCMS V3 and performance gaps which have impacted business operations," said the court's answer.
"In January 2008 Sacramento Superior communicated to the AOC/Deloitte its significant concerns, particularly with respect to performance and speed. Slowness and stability had not improved," said the court's answer.
Sacramento has for months argued that if it could host the system on its own server, as Orange County currently does, the system may run much more smoothly. However, the central administrators have fought that initiative by Sacramento's judges, and won the battle for now.
Sacramento's survey answer provides a grim timeline of the incidents that have caused its push for local control, a timeline of breakdowns and errors, court visits from AOC and Deloitte representatives, and repeated promises and assurances from the consultants and bureaucrats for fixes that were never fulfilled.
For example, in what was likely an unpleasant bit of timing for the central administrators, the entire system broke down in the middle of one of their visits.
"On September 2, 2008, a Deloitte/AOC team came to Sacramento Superior Court to view our judicial processes and identify why performance was so slow. The visit was cut short as a result of an outage in the middle of the day at the CCTC. Sacramento asked for a report from the visit. No report was provided until after the court submitted three different requests for a report."
The report was finally provided on November 24, 2008, said the court, two months later.
"The report from AOC/Deloitte confirmed that the system is too slow. It confirmed that a user of the system had to make too many clicks to use the system. AOC/Deloitte did not provide any remediation ideas."
The court goes on, "In February 2009, there were three separate outages during the middle of one court day. The economic loss to our court for that one day was over $17,083 in productivity."
In addition to excoriating the system through the survey, the judges leading Sacramento Superior Court have expressed their frustration in every forum available, most importantly the state legislature.
Sacramento Presiding Judge Steve White visited the legislature a number of times over the past year to tell the court's opinion of the big IT project, calling it "woefully misbegotten."
"My court is very disenchanted with CCMS," White told a legislative committee on accountability in August 2010. "I do not overstate the antipathy my judges have for it. It's been woefully misbegotten and badly managed by the AOC and Deloitte."
"It has not worked for us and we have a very strong IT department," he added.
At a Joint Legislative Audit Committee hearing in February 2011, White testified, "I supported CCMS from the beginning. Now I see it as a train wreck."
The system breakdowns culminated in a written promise from the central administrators in August 2010 to "replicate the performance standards that are currently enjoyed by Orange County Superior Court and eliminate the current delays."
So far, Sacramento has not seen much improvement, and refuses to host the version due out this summer, V4, which administrators claim to be the ulitmate version, until the court sees actual results.
One of the ways the bureaucrats within the administrative office have fought back against critics has been to cast them as complainers who are not willing to join committees to try and fix the problems. Sacramento, however, does make a series of specific suggestions.
It says the software provided by the central administrators should serve as a backbone onto which the local courts can graft the individual applications they need.
"In our view, CCMS would be similar to the base product iPhone and would come with identified standard functions," said Sacramento. " Just as Apple Corporation could create an 'APP Store' for CCMS. Any court could access the APP Store and pick and choose the specific solutions it wants/requires to meet its individual needs."
The court believes it has identified the root cause of the computer system's failings, one that was also pointed out in survey responses from Orange and other courts.
"Our court believes, and experience in courts throughout California has shown, that many of the difficulties that have plagued the deployment of CCMS V3 can be traced to a single but pervasive programmatic 'assumption'," says Sacramento. "That assumption is that it is necessary to produce a single case management system that is alike in every respect, no matter where the program is deployed," it says.
"Although not necessary to achieve any of the goals of the statewide CCMS initiative, project planners have — erroneously in our court's view — concluded that a single software solution can meet the needs of every court in California."


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And the #1 game of the decade is…
Category Archives: Games
The 75 Best Games of the 2010s, Part 3
Part 3 of Brian's countdown: From #25 to #2.
The 75 Best Games of the 2010s, Part 2
In Part 2 of Brian's decade-spanning countdown, #50-26.
The 75 Best Games of the 2010s, Part 1
Brian starts his decade-spanning countdown with something for everyone.
2018 Yearbook: Brian's Top 10 Games
Brian sums up a relatively mild year in gaming, where only one title truly reigned supreme.
'RED DEAD REDEMPTION 2' Review: The Waste Land
Preface: I'd like to say here that if you found Rockstar's business practices unsavory and have decided to boycott or otherwise ignore this game, I sympathize completely. I think that's a fine reason to miss out on this thing. No piece of commercial art could possibly be important enough to ruin so many people's mental wellbeing like that. I still think the end result of their efforts was worth it, even if a lot of the crew who worked on this game will never be compensated as such. Anyway, enjoy whatever your choice was.
Continue reading 'RED DEAD REDEMPTION 2' Review: The Waste Land
'SEA OF THIEVES': Setting Sail With the Antithesis of Modern Multiplayer Games
In a gaming landscape where every game has to be bigger and badder and have more loot and more quests and more checklists, Sea of Thieves feels like a breath of fresh air.
Continue reading 'SEA OF THIEVES': Setting Sail With the Antithesis of Modern Multiplayer Games
2017 Yearbook: What We Watched
We posted over a hundred articles, essays, and reviews in 2017. Here they are, organized for you.
2017 Yearbook: Brian's Top 10 Games
Another twelve months closer to the end of the world, and all I've got to show for it is this lousy t-shirt.
The Best Video Games of the 2000s, Part 2.
Halo, Half-Life, and Star Wars: These are the games that define the decade.


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The incident made national headlines on Wednesday, the final day of voting on the constitutional reform that could pave the way for President Vladimir Putin to remain in power until 2036. State officials blamed the incident on the reporter.
David Frenkel, a reporter with the Mediazona online outlet, said he came to a St. Petersburg polling station following reports of voting violations, and a police officer broke his arm while trying to remove him from the poll.
A video of the incident posted by the Dozhd independent TV channel on Twitter shows two policemen at the poll forcing Frenkel onto the ground and him subsequently screaming in pain. "They twisted my arm and punched it with a fist," Frenkel, whose injury required a four-hour surgery, told Mediazona.
The incident made national headlines, with several independent news outlets on Wednesday releasing statements in support of Frenkel and demanding a thorough investigation. Police rejected the accusations of assaulting Frenkel, saying the officers were merely "assisting in removing a citizen."
St. Petersburg election officials said Frenkel provoked a conflict at the polling station. Poll worker Valentina Ladyshko claimed the journalist was behaving erratically and that "no one pushed him."
"It is very sad that David got injured," Alexander Beglov, governor of St. Petersburg, said Wednesday. "But I'd like to point out that many (people) are tired... There can be excessive zeal, obsessiveness, excessive enthusiasm."
Frenkel's lawyer has filed a complaint to the Investigative Committee on Wednesday, demanding a criminal investigation into the assault.


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Regular price
or make 4 interest-free payments of
fortnightly with
More info
Please send me your information for:
1 - Choice of holographic fabric - tell me the colour (ie. Red/Blue/Green/Silver/Gold etc) and I will reply to you with the options I have available / can source
2 - Solid Lining Colour - options from Black , Pink , Blue , Mint Green , White
Please send me your measurements for:
*Bust (Fullest Point)
*Underbust (directly below your bust on your rib cage)
*Waist (smallest area around your stomach)
*Low Hip (the widest part of your bottom
*Thigh (around the top of your thigh, not the middle)
*Do you have a long or short torso?
The Jaimee shorts are for wearing on their own, or underneath skirts and dresses - these reversible shorts are beautifully figure hugging without digging in anywhere due to the way that they are constructed. The cut of them allows for some of your bottom to show, without it all being out! The waist sits approx. 2cm below your belly button (depending on how long your torso is)
Teamed here with a Soraya crop top to make the perfect outfit. The Soraya crop has a high neck and matching high back, while being sleeveless.
Ive been told by customers that this is perfect for pole and hula hoop performing
Care Instructions:
Hand wash only in cool water, dry flat and out of direct sunlight. Due to the nature of this fabric some wear of the sparkles may appear
Additional Information:
Standard time is 3 weeks for these garments to be ready for posting out to you (with postage time on top)- though if you need them quicker or it's a busy pre-festival time please send me a message and I'm happy to see what I can do in regards to making it quickly for you


text: Building a great online marketing campaign starts with SEO, but it takes more than just optimization to really succeed. In fact, it's just as dangerous to put your entire focus on SEO as it is to ignore it. This will be an overview of current and effective SEO practices and how they fit into the broader online marketing realm.


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1QHodayot is recognized as one of the most important of the Dead Sea Scrolls and key to understanding the specific worldview and piety of its author(s). It contains a collection of psalms giving thanks for deliverance, salvation, knowledge, and divine mercy. This volume contains the text of 1QHodayot published in the definitive Discoveries in the Judaean Desert volume 40 and the English translation from that volume, lightly revised. It provides the most up-to-date, accessible, and inexpensive access to the text, translation, and official numbering of the columns and lines of 1QH.
Eileen M. Schuller is Professor in the Department of Religious Studies at McMaster University. She is co-editor of 1QHodayota and other documents from the Dead Sea Scrolls, the author of The Dead Sea Scrolls: What Have We Learned? (Westminster John Knox, 2006), and the co-editor of The Dead Sea Scrolls: Transmission of Traditions, Production of Texts (Brill, 2010). Carol A. Newsom is Charles Howard Candler Professor of Old Testament/Hebrew Bible at Candler School of Theology, Emory University. She is the editor of the Songs of the Sabbath Sacrifice and other documents from the Dead Sea Scrolls and the author of The Book of Job: A Contest of Moral Imaginations (Oxford University Press, 2003) and Angelic Liturgy: Songs of the Sabbath Sacrifice (Mohr Siebeck, 1999).
Click here for a printable publication sheet that you can put in your files or give to your librarian or bookstore.
Click here for the title page and table of contents.
The hardcover edition is available here.
© 2018, Society of Biblical Literature. All Rights Reserved.


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Speeding Car
"Speeding car kills child on the curb", "Police and speeding car race on the freeway", "Speeding car falls off the bridge", these are the scary titles we read in our newspapers daily. Are people in such a hurry that they forget about traffic rules and personal safety? Or is it an issue of ignorance, lack of concern and irresponsibility? Many people now equal a powerful sports car with a speeding car: well, they couldn't be more wrong. Regardless of how much money you pay for the vehicle, or what kind of special features it includes, you are not in the least safer when running at high speed.
A speeding car is a threat on public roads, and not only for the driver and the passengers but for the rest of the people involved in traffic. It is basic Physics and common sense that tell us that the reactions to the road conditions are often unpredictable. Sometimes, the driver doesn't even have the chance to respond properly before the accident occurs; this means that the car controls can no longer help you when the speed is not adjusted to the road conditions as such. You won't be able to turn at a close angle if you don't reduce the speed beforehand.
The police will often stop a speeding car and drastically fine the driver; the speeding ticket will be a blotch on the record, not to mention all the insurance advantages that you lose. Consequently, you can take it this way too: do not exceed the speed limit so as not to get fined and get some penalty points that will cost you dearly afterwards. If we consider the overall picture, we can truthfully say that being stopped by the police is the easiest thing that could happen to you when driving a speeding car.
Many scientists have devoted time and commitment to the study of the Physics of a speeding car; they can now offer statistical data about how velocity changes the car reactions to the road. The adherence of the wheels on the tarmac is changed, the braking capacity requires a distance proportional with the speed and the physical exposure of the driver gets higher depending on weather and road conditions. When you sit in your car and leave for a certain destination, remember that life is the most precious thing you've got: it's a shame to lose it or spend it in prison!


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For more information on shipping, returns and exchanges please click here.


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Monday, August 6, 2007
It's time to pack our trunk (trunkfish) for the day after 2 exciting snorkels/dives. We're learning so much and can now recognize many of the reef fishes...and its only the 3rd day!!
Posted by Garry Dole at 1:42 PM
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Christy Denney
Maybe you're in it for the love of the game. Maybe you're just in it for the halftime show. Either way, on Super Bowl Sunday everyone is in it for the food. Score a culinary touchdown with these delicious dishes.
Guacamole and Chips
The trick here is to make your own chips—it's easy and fresh. And while avocado is the main star of this homemade guac recipe, the shallot and jalapeno send it over the edge.
Emily Schuman
Creamy Spinach and Artichoke Dip
A Super Bowl party without a hot spinach and artichoke dip is just a sad party. This one recommends fresh spinach over frozen. That might be the winning play here.
Christy Denney
Jammin' Spicy Plum Chicken Wings
With Sriracha sauce added to this recipe, you just can't go wrong – and the jam gives a nice balance of sweetness. Make sure you have some wet-naps handy!
Related: Get the recipe at love and olive oil
Lindsay Landis
Cauliflower Tots
Sneak in some veggies, and your guests will be none the wiser. Bet you'll be surprised about how fast people will be popping these tiny tots in their mouths.
Related: Get the recipe on Skinnytaste
Gina Homolka
Mason Jar Football Brownie Treats
Dessert just seems sweeter when served in mason jars, doesn't it? Guests will appreciate the extra effort you put into making the football-shaped brownies. You're in the major leagues with this one.
Related: Get the recipe
Courtney Dial Whitmore
Super Bowl Jelly Shots
Add a little liquor to Jello-O and what do you got? A party. Whether you're a Seahawks fan or a Broncos fan, learn how to make some festive shots that represent.
Related: Get the recipe
Rachel Horn
- Christy Denney


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Auckland residential house prices in February have retreated from the record prices set in the second half of last year but are still higher than where they were at the same time last year.
"The average sales price at $822,024 in February was up 1.3 percent on the average price for January and up 10 percent on that for February last year," said Peter Thompson, Managing Director of Barfoot & Thompson.
"The median price at $738,000 was down 2.9 percent on January's, but up 7.5 percent on last February's.
"While prices are down from their record highs, based on past trends, prices in coming months are most likely to build modestly.
"This trend has occurred over the past 9 years where Auckland house prices have followed a cycle of falling in the first quarter of the year and then rising from autumn on.
"We have now had two months of trading where prices have been higher than they were in their equivalent months last year, and in the past that has meant prices have risen throughout the year.
"The most significant figures in February's data were that sales numbers stalled and new listings doubled.
"The number of properties sold at 698 was the lowest in any month for 3 years. The reason was that at the start of February the number of properties on the market was at its lowest number for 20 years, and buyers had limited choice.
"However, as the month progressed more properties were listed, and we finished the month with 2,060 new listings, the highest number in the past six months. There are currently an extremely high number of properties in the pipeline for settlement in March and April.
"At month end, we had 3,318 properties on our books, the highest since March last year, and we anticipate an extremely busy period through autumn.
"Another factor that affects the average and median sales price in the early part of the year, is the summer break results in a relatively low number of sales in the $1 million plus price category. Throughout last year, on average, we sold 332 properties a month in the $1 million plus price category, but in February the sales in this price category numbered 187.
"Sales of properties for under $500,000 in February made up 20.6 percent of all sales, whereas throughout last year they averaged 14.9 percent of sales."
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TEMPERATURES in Brighton and the UK are set to soar to 30C by the end of the week.
It comes just a week after many people were left sweltering last Friday in what proved to be the hottest day of the year.
However, temperatures soon plummeted again on Saturday and Sunday with highs of only 20C.
But this is all about to change as another heatwave is on its way.
And temperatures will start getting warmer as the week goes on.
By Saturday temperatures in parts of Sussex will reach a balmy 30C, the BBC is reporting.
Below is the full forecast for Sussex and the south east from the Met Office:
A fine and largely sunny start, although some cloud spreading east through the morning, Staying dry, however, with further long spells of sunshine through the afternoon. Turning rather breezy. Maximum temperature 26C.
Evening cloud clearing many parts, with clear spells developing, although further cloud likely later in the night. Staying rather breezy. Minimum temperature 14C.
Early cloud will break through the morning to give some warm sunny spells, although it will be feeling fresher in the breeze. Cloud thickening later, but likely staying dry overnight. Maximum temperature 27C.
Outlook for Thursday to Saturday:
Early cloud Thursday breaking to very warm sunny spells by the afternoon. Sunny, and turning hot, potentially very hot Friday. Variable cloud, sunny spells, and likely hot again Saturday.


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I recently got engaged to wonderful girl, and as any guy who has gone through this process knows, choosing the right ring can be a tricky decision! Fortunately I had a pretty good idea of my fiance's tastes: a classic platinum band with a solitaire round cut diamond. Not all diamonds are equal, of course. You may have heard of "the Four C's" that define the quality of a diamond: cut, clarity, color and carats.
Until I started carefully looking at diamonds (thanks Shane Company) I had no idea what the Four C's really meant in terms of the physical appearance of a diamond. To my completely untrained eye, carat and color have the greatest impact on the appearance of a diamond but this is a matter of personal preference. What is for certain is that the price of a diamond varies dramatically with the Four C's. But how exactly does each characteristic affect the price? We can build a statistical model to find out.
The basic steps are:
The final result is available at Pricing a Diamond on the Wolfram Demonstrations site. This page gives some detailed background on the steps used to obtain the data and fit the model.
Several websites provide a searchable database of diamonds: Blue Nile and Brilliance.com to name a couple. These sites provide the perfect data source from which to build our statistical model since they have information on cut, carat, color, clarity and price for thousands of diamonds. The trick is getting the information out of the website and into a file for analysis.
All of these sites return their diamond search results in small batches which means it can take a long time to page through manually and save off the HTML for thousands of diamonds. Normally this would be a perfect task for automation using Python's urllib library. Unfortunately all these sites make extensive use of JavaScript in their search results, and since urrlib doesn't include a JavaScript engine Python is unable to crawl the search results programmatically.
Instead we will automate the process through Windows Scripting. Using a short VBScript program we can programmatically control Internet Explorer so that it starts paging through the search results and saving off the HTML as if controlled by an invisible hand! It is easiest to do this with the search results from Brilliance.com because the URL from their searches actually contains the page number of the results so it is simple to programmatically construct the URL from a series of integers.
To start, make sure you have Internet Explorer open and pointing to the first page of results from your diamond search on Brilliance.com. Place the following code into a file called get_data.vbs and double-click it in the Windows Explorer. Internet Explorer will start paging through the results, then saving off the HTML files. You may need to tweak some of this code to make it work on your system.
Dim WshShell, objOutputFile, PageCache
Set WshShell = WScript.CreateObject("WScript.Shell")
Set oIE = CreateObject("InternetExplorer.Application")
oIE.Visible = True
oIE.Navigate "http://www.brilliance.com/diamonds/search/Diamond_Results.aspx?SK="
Do While oIE.Busy Or (oIE.READYSTATE <> 4)
Wscript.Sleep 100
'Write results to a text file
PageCache = oIE.document.body.innerHTML
Set objFileSystem = CreateObject("Scripting.fileSystemObject")
Set objOutputFile = objFileSystem.CreateTextFile("c:\html\html1.html", 2, TRUE)
For i = 2 to 1000
url = "javascript:SetPageNumber('" & i & "');__doPostBack('lnkCOLOR','');"
oIE.Navigate url
Do While oIE.Busy Or (oIE.READYSTATE <> 4)
Wscript.Sleep 100
'Write results to a text file
PageCache = oIE.document.body.innerHTML
Set objFileSystem = CreateObject("Scripting.fileSystemObject")
fileName = "c:\html\" & i & ".html"
Set objOutputFile = objFileSystem.CreateTextFile(fileName, 2, TRUE)
Once you have all the HTML files stored away you can process them using Perl or Python to pull out the data on price, cut, carats, clarity and color. Below is the Python 3.1 code I used to construct a TSV (tab-separated-value) file of the data. The file is available here.
import glob
def process_file(filename):
pat_tab = re.compile('<TABLE.*?/TABLE>', re.DOTALL)
pat_tr = re.compile('<TR.*?/TR>', re.DOTALL)
pat_td = re.compile('<TD.*?/TD>', re.DOTALL)
pat_entry = re.compile('<TD.*>(.*)</TD>', re.DOTALL)
f = open(filename, encoding='utf_16')
text = f.read()
tab = pat_tab.findall(text)
tab = [t for t in tab if 'resultGrid' in t]
if len(tab) != 1:
return None
rows = pat_tr.findall(tab[0])
for row in rows:
vals = []
entries = pat_td.findall(row)
for entry in entries:
m = pat_entry.search(entry)
if vals[1] == 'Round':
price = re.sub('[$,]', '', vals[9])
print(vals[2], vals[3], vals[4], vals[5], price, sep='\t')
print('carat', 'cut', 'color', 'clarity', 'price', sep='\t')
for i in range(1, 1001):
process_file('c:/html/html' + str(i) + '.html')
Now that we have the raw data in a nice TSV file, the next step is to build a statistical model that predicts price from the four C's. The initial step is to recode the data into a purely numerical format. Characteristics such as clarity are rated on a nominal scale from F (flawless) to I3 (heavily included, i.e. flawed). The Diamond Buying Guide has excellent information on the scales for each of the Four C's. We'll use Python (again, version 3.1) to translate the nominal characteristics into numeric variables so they can be fit using a generalized linear model.
cut_map = {'Ideal':4,
'Very Good':2,
color_map = {'D':10,
clarity_map = {'FL':10,
f = open('diamonds.txt')
print(f.readline(), end='')
for line in f:
(carat, cut, color, clarity, price) = line.strip().split('\t')
print(carat, cut_map[cut], color_map[color], clarity_map[clarity],
price, sep='\t')
The coded output data is stored in diamonds_coded.txt. Next we'll use the statistical package R to model the price. Let's take a quick look at price vs. carats to see what kind of model we should use:
d <- read.delim("diamonds_coded.txt")
x <- tapply(d$price / 1000, round(d$carat), mean)
plot(as.numeric(names(x)), x, type="b", xlab="Carats", ylab="Price ($K)"
The line shows a clear exponential trend, which suggests using a generalized linear model with a log link to predict price. The code below fits this model, but also includes some higher-order interactions to capture the complex relationships between the four variables and price.
gm <- glm(price ~ cut * clarity * color * carat +
I(cut^2) + I(clarity^2) + I(color^2) + I(carat^2), family=poisson, d)
testdata <- data.frame(cut=rep(4, 100), clarity=rep(5, 100),
color=rep(9, 100), carat=seq(0, 2, length=100))
plot(test$carat, predict(gm, test, type="response"), xlab="Carats",
ylab="Price ($)")
Here are the predictions from the model for price vs. carats; they closely match the observed data in the previous figure, which is good.
Mathematica 6.0 has the ability to quickly create dynamic user interfaces using the Manipulate function. The last step in this project is to export the model coefficients from R and import them into Mathematica, then wrap a GUI around them using Manipulate so users can interactively explore the relationship between the Four C's and price. The actual model is fairly complex since it has a lot of interaction terms, but it isn't too much work to just paste it into a Mathematica notebook and create a function for price. Here is the Mathematica code for the final model:
The final result is available at Pricing a Diamond on the Wolfram Demonstrations site.


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Press releases
Vodacom Group
Vodacom Group Limited trading update for the quarter ended 30 June 2017
- Group revenue grew 3.9% to R20.7 billion, normalised growth, excluding currency translation effects, was 7.7%*
- Group service revenue grew 1.7% to R17.1 billion, normalised growth, excluding currency translation effects, was 5.9%*
- South Africa revenue growth accelerated to 7.8% aided by stronger device sales. Service revenue growth was sustained at 5.6%
- International revenue declined 8.2% and service revenue declined 8.0%. Normalised for currency fluctuations, revenue and service revenue grew 8.0%*. Underlying growth improved as a result of strong commercial execution
- Group data revenue increased 15.1%, normalised 18.3%*, to R6.7 billion, representing 39.0% of service revenue
- We added 2.5 million customers during the quarter, 2.3 million in South Africa and 280 thousand in our International operations, to reach almost 70 million customers across the Group
|Yoy % change
June 2017
|Group revenue
|20 685
|South Africa
|16 654
|4 240
|Group service revenue
|17 098
|South Africa
|13 123
|4 122
Shameel Joosub, Vodacom Group CEO commented:
The solid performance the Group delivered in FY2017, continued into the first quarter of the current financial year. In South Africa, revenue growth accelerated to 7.8%, aided by increased smartphone device sales. We sustained South African service revenue growth of 5.6%, underpinned by the consistent and significant investment in our network infrastructure and IT systems, aimed at further enhancing the customer experience. Our pricing transformation strategy continues to deliver greater value for our 39 million South African customers. The 9.1% and 18.9% decline in effective voice and data prices respectively over the quarter reflects our commitment to driving down the cost to communicate in South Africa. As I have stated previously, there is more work to be done on this front, and we will be introducing additional measures this year to give greater control to customers by improving our out-of-bundle pricing.
Although the International operations have turned the corner, currency volatility is still negatively impacting translation of these results. We now have 30 million customers outside of South Africa, an increase of 12.0%. Following the phenomenal success in South Africa of our 'Just 4 You' platform, customers in all our operations are starting to enjoy the benefits of this personalised offers platform. We expect that this will contribute to the operational momentum in these markets. Following the shareholder approval of the acquisition of a stake in Safaricom on 18 July this will further boost contribution outside of South Africa.
Our strategy to become a leading digital company and empowering a connected society is our key area of focus. We continue to make substantial investments in all our operations so that we maintain our network lead and IT advantage. This will enable us to transform our product offerings, customer experience, operations and organisation to deliver on our digital aspirations.
We remain cognisant of the weaker economic conditions that prevail in South Africa as well as some of our larger markets and have put measures in place should these conditions deteriorate materially in these markets.
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