text:
Human Resources magazine and the HR Bulletin daily email newsletter:
Asia's only regional HR print and digital media brand.
Register for your FREE subscription now »
Known for their ability to enhance creativity and boost productivity, Millennials are considered an integral part of the workforce.
So why then, according to a new survey by Duke University and CFO Magazine, are many companies and corporate executives in the US making no effort to attract workers under 35?
Apparently, it's because Millennials require more management oversight than other generations, and bring too many "unique employment challenges" to the table.
The survey found nearly 60% of CFOs believe their firms are not adapting to attract Millennial workers. This is because 53% believed Millennials are less loyal to the company, while 46% said the group exhibits an attitude of entitlement.
More than 30% also believed Millennials require more intense management, and 27% of firms stated young workers are more interested in their own personal development than they are in the company.
These figures were despite the fact that more than 70% of these very CFOs admitted Millennials bring technological savviness to the job.
Millennials are willing to lie to get ahead
Time to wake up, Gen Ys
Gen Ys fail to impress with traditional leadership skills
More than 20% also said Millennials are more creative and innovative than other workers, while nearly half acknowledged Millennials are less expensive to employ.
"One surprising finding is how few US companies have instituted workplace changes to accommodate Millennials," John Graham, a finance professor at Duke's Fuqua School of Business and director of the survey, said.
"In the United States, only 41% of companies have made changes to adapt to younger workers. Other regions of the world have been more accommodating: for example, about 70% of Latin American and Asian firms have adapted to hire/retain Millennials. One wonders whether US companies are adequately embracing the changes brought about by a younger workforce."
READ MORE: Trashing the myths about Millennials
The most common adaptions to accommodate Millennials in the US were making work hours more flexible (21%), allowing work from home (17%), increasing training (16%), implementing new mentoring programs (13%) and altering corporate culture (10%).
Image: Shutterstock
Hong Kong HR Masterclass Series: 19th June 2020 Data Analytics for HR
Become a true strategic partner to the business by leveraging data and analytics to make strategic talent decisions.
Register now here


text:
What we do?
At MyAIQ, we believe in imparting our AI expertise to the community.
Be it to companies looking for building the next big AI product
or geek heads looking forward.
Become part of the AI revolution with us!
Industry Updates
Python or R for data science?April 30, 2019Read More
The two most popular programming tools for data science work are Python and R at the moment (take a look at this Data Science Survey conducted by O'Reilly). It is hard to…
Data Engineer vs Data ScientistApril 25, 2019Read More
Originating from roots in statistical modeling and data analysis, data scientists have backgrounds in advanced math and statistics, advanced analytics, and increasingly machine learning / AI. The focus of data…
Top 3 Data Scientist MythsApril 23, 2019Read More
Myth 1: Data Scientist/Engineer/Analyst are one and same.To put things in perspective, a Data Scientist is someone who has experience and knowledge in at least 2 of these 3 fields, Statistics,…
AI in FinanceMarch 17, 2019Read More
The term Artificial Intelligence (AI) was first coined by John McCarthy in 1956. Artificial Intelligence has taken the financial industry by storm, which has resulted in almost every company present…
How we can help you with our expert consulting
We are Artificial Intelligence specialists. All our team members have years of industry experience in delivering data science and machine learning projects in diverse industries such as Aerospace, Academic Research, Corporate Finance, and ITES. In addition, all of them hold advanced degrees in Computer Science, Data Engineering, Signal Processing, and Statistics from prestigious international institutes. They are experts in translational data science – meaning they understand your business and your business' language, to deliver specific AI solution crafted for your business.
Computer Vision
Natural Language Processing
AI-powered Decision Making
AI- Training
AI Consulting
Audio & Speech Understanding
Learning AI
Studying artificial intelligence opens a world of opportunities. AI is a field that keeps growing and changing, and the jobs you're studying, for now, may evolve into something beyond your imagination by the time you begin working in the field.
AI-powered Startups
Thanks to the power of AI, start ups can find product-market fit faster through AI specialties like natural language processing, audience segmentation, and machine learning. AI can help entrepreneurs and small business owners create more successful operations by applying AI technology to sales, marketing, HR, and product teams.
AI-powered Decisions
Successful businesses thrive on good decisions. AI makes this easy for companies by doing a good job of organizing, classifying, and patterning data to give management better insight. Using machine learning algorithms makes it more feasible to predict future trade decisions. This can be used by companies to better understand the changing needs of their clients and make the necessary adjustments in advance.
What our students say about us
I was lucky to be able to audit the MyAIQ's Deep learning course . The instructor puts in serious efforts to lay down a strong foundation in the understanding of neural networks.Olia K.
I have gone through several online courses before. But this course is all you will need to set your foot in to the world of AI.Anuj Prakash
The intuitive on-board explanation and code explanation makes it perfect!Lenka Vlnka
Tools we use
A wise blacksmith always knows the perfect tool!
Drop us a mail anytime, we endeavor to answer all inquiries within 24 hours on business days.
MyAIQ LEARNING OÜ
Pudisoo küla,
Harju maakond,
74626 Estonia

subset: commoncrawl


text:
Yeduo Designs Look To Hang Around
Like most college students, I can claim that I've been swamped with clothes hangers before. When I sped off to start my program, family members reached out to me with open arms and handed me piles of clothes hangers. To this day, I can say I have about 30 yellow (yes, yellow!) plastic hangers crowding my closet. But after seeing the latest designs from Yeduo, I may never have to use those tacky accessories again.
Source: Trendhunter
Yeduo's recent line of clothes hangers is amazingly artistic. The unique shape and look make the designs very attractive. Instead of having a boring clothes hanger, you now have the option of adding some style to the way you hang your items. It may not seem like much, but these designs can add a lot of colour and imagination to a boring room.
Source: Trendhunter
One interesting thing to note is how Yeduo describes their products. For their "Pole Jumper" model, they use the following description:
"This guy is addicted to the pole jump!!
Nothing can stop him from jumping beyond any stick.
Now he is aiming for your closet...
Can he make it this time?"
Keeping with the sports theme, other designs include hangers based on gymnastics, football and swimming. The concepts behind these products may seem a little wacky, but you have to admit that they do look cool. Aside from being a clothes hanger, these designs could also be used as a hat or coat rack; wouldn't that surprise your guests when they come over!


text:
Product details
This top is your throw-on-and-go companion for smart-casual days. Feminine smocking detailing on the shoulders gives it distinction, while the breezy shape delivers an oh-so-comfortable feel. Leave the notch neck open to keep you cool in warm weather, or do up the hook-and-eye closure for a neat finish.
- BLK: 75% viscose 25% metallised fibre
- Other colours: 100% polyester
- Other colours: Machine washable
- BLK: Dry clean only
- Semi-fitted shape
- Length finishes at low hip
- Full length sleeves with functional cuffs
- Keyhole and button fastening at front neck
Delivery & Returns
UK Standard
3-5 working days Royal Mail
1-2 working days Express
Next day if ordered Sunday to Friday by 7pm Express noon
Next day before noon, if ordered Sunday to Friday by 7pm Click & Collect
FREE to Boden Shops.
£3.50 to other Click & Collect locations.
Next day if ordered Sunday to Friday by 7pm
Europe Standard
6-8 Working Days Premium
3-5 Working Days Rest of world Standard
8-10 Working Days Premium
5-6 Working Days
We operate a no-quibble returns policy. If you return an item within 3 months of receipt, we'll give you back the amount you paid for the item or offer an exchange. Whichever you prefer.
Our exchange service is temporarily unavailable, but please don't worry, as your returns will automatically be refunded according to our generous returns policy. Take a look below for more information.
Double Layer V-neck Top
This understated top is a do-it-all essential you'll turn to again and again. It combines a wide V-neck and long sleeves with a figure-skimming cut that defines and flatters your shape. The double-layered front delivers smoothness and structure, while assured ...
Jersey Lounge Hoodie
Soft? Flattering V-neck? Relaxed fit? Enter this cosy hoodie. Our cotton-blend loopback jersey ensures comfort and lounge-worthiness, and the hooded drawstring and ribbed cuffs add a complimentary loose fit for those evenings curled up on the sofa.


text:
If you get up in the morning and think the future is going to be better, it is a bright day. Otherwise, it's not.
Well done is better than well said
I believe in new ideas and their ability to change the future.
Life is not a problem to be solved, but a reality to be experienced.
Little minds are tamed and subdued by misfortune, but great minds rise above them.
Try not to become a person of success, but rather try to become a person of value.


text:
By Wilde Becker. Corner Tv Stands. At Thursday, July 18th 2019, 22:04:41 PM.
If you have many AV components and think that most corner TV stands do not offer adequate storage space, you could always consider a standard TV stand which has tapered corners. Much like the ones highlighted on this page.
Attach the mounting bracket to the wall bolts.
Follow the television manufacturer's instructions for attaching the wall mount to the back of the set. Most flat-panel TVs have a four-point mounting system on the back of the set. Four bolts or screws must be removed from the rear of the console. The wall mounting bracket attaches at these four points on the set.
About ∣ Terms of Service ∣ Privacy Notice ∣ Cookie Policy ∣ Contact ∣ Copyright
Any content, trademark/s, or other material that might be found on this site that is not this site property remains the copyright of its respective owner/s.


text:
A father of a newborn is calling for changes to hospital parking enforcement in Alberta after a frustrating experience in Calgary.
When their three-day-old son stopped eating and became lethargic, Chris Martin and his wife rushed the boy to the emergency room at the Alberta Children's Hospital on Monday, on the advice of a public health nurse who called ahead.
They parked outside and checked in with the triage nurse.
Martin paid inside the building to park for 24 hours, but when he returned to his vehicle a half hour after arriving at the hospital, he discovered a $40 ticket for failure to pay for parking — issued just 10 minutes after he had parked.
"It's annoying and frustrating. You have so much going on that you're trying to deal with: child care for our other kid, obviously the concern for a three-day-old baby that's quite sick," Martin said.
"My wife's in the hospital, we're trying to work out all those logistics."
Martin tried to find someone on-site to waive the ticket but there was no one. The ticket had no phone number or email address, and he said the website was hard to navigate.
Eventually, he took to social media and complained about Alberta Health Services on Twitter.
Hi @AHS_YYCZone @AHS_media I had to take my 3day old infant to the Children's ER today on instruction of your health nurse. I did as instructed. Park, go to triage, get baby admitted. I then paid for parking. I have found a $40 ticket. Who do I talk to? #yyc
— CJ Marty (@tinmar537) May 7, 2018
The agency declined an interview with CBC News but offered to waive the fine and give Martin a complimentary parking pass.
In a statement, the health authority said it apologizes to the family "as the parking ticket should not have been issued given the circumstances."
But Martin said he has heard of other similar stories, and so has Brian Jean, the longtime leader of the now-defunct Wildrose Party. The former MLA for Fort McMurray-Conklin campaigned on a promise to offer two free hours of parking at Alberta hospitals.
He said such a measure would alleviate stress for families, people attending appointments or those who wish to visit their loved ones frequently.
The idea gained traction among Albertans when he was in politics, but Jean said Alberta Health Services didn't budge.
"I, myself, and my family had my son in the hospital for four months at the University of Alberta, and it was extremely stressful," Jean told the Calgary Eyeopener on Wednesday.
"Just having to deal with parking and all of the other things that are barriers that are in front of you, as well as emotional trauma, it's just not necessary."
His son, Michael Jean, was 24 when he died from lymphoma in March 2015.
Martin and his family are now focusing on Jonathan, who was born borderline premature. He's now doing better and being treated at a different hospital.
While they appreciate the ticket being waived, they'd also like Alberta Children's Hospital to adopt a different parking process. They suggest a grace period to allow people to pay after dropoff or to pay when they leave the lot.


text:
Macanudo Certified Vintage
1997 No. 5 5.50 × 49 MV9975
The Macanudo Certified Vintage 1997 No. 5 is a mellow Robusto lover's dream come true. Covered in a wrapper that has been aged for more than a decade this old stogy is a sheer joy to smoke. The 97' crop yielded a Connecticut wrapper that is chestnut brown in color and offers a lush creamy flavor with a subtle hint of sweet spice. With a little more zest than the rest of the Certified line, the 1997 No. 5 is the perfect addition to your Macanudo family of fine cigars.
Macanudo Certified Vintage cigars are sold in Bundles of 10.
Connecticut Shade
Dominican Republic / Jamaica / Mexico
Dominican Republic
Mellow - Medium
Bundle of 10


text:
Welcome to Friday: And the precipice of another well-earned summer weekend.
It's July 27 out there, dear readers, and if you had Macbeth, King of Scotland, getting whupped by Siward, Earl of Northumbria, near Firth of Forth on this date in 1054, you win.
Two sides, same coin: Today is National Korean War Veterans Armistice Day here in the United States, commemorating the signing of the Korean War Armistice on July 27, 1953.
In North Korea, it's Day of Victory in the Great Fatherland Liberation War.
Smelt melt: The first U.S. "branch mint" – the U.S. Mint at Charlotte, N.C., where gold nuggets were pressed into coins – opened for business on July 27, 1837.
It burned to the ground on July 27, 1844.
On the line: The first permanent transatlantic telegraph cable, connecting Ireland and Newfoundland, was completed on July 27, 1866.
Power wheels: The world's first electric automobile – a self-generating, electricity-powered tricycle – made its public debut in Boston on this date in 1888.
Its inventor, tireless tinkerer Phillip Pratt, is also credited with the invention of the automatic fire sprinkler (1872) and the tiny cloth pads under the feet of chair legs (1878), among other innovations.
What's up, doc? He'd star in more than 175 Warner Brothers animated shorts and a zillion other cartoons, commercials and motion pictures, but the carrot-munching wascally wabbit Bugs Bunny first appeared in "A Wild Hare" – opposite beleaguered hunter Elmer Fudd, of course – on July 27, 1940.
Meet the Mets: And it was July 27, 1959, when New York attorney William Shea announced plans for a third professional U.S. baseball league – a nonstarter that did spur expansion of the American and National leagues, however, and ultimately resulted in the 1962 debut of the laughable, loveable New York Metropolitans.
Leo the Lip: Speaking of New York baseball legends, Leo Durocher (1905-1991) – who managed both the New York Giants and the Brooklyn Dodgers, as well as the Houston Astros and the Chicago Cubs – was born on July 27.
So were Australian comedian Yahoo Serious (born Greg Pead in 1953) and Queen Mother Moore (1898-1997), a fixture of the American Civil Rights Movement and contemporary of Nelson Mandela, Jesse Jackson and others.
One day at a time: And take a bow, Norman Lear – the prolific American TV writer and producer (creator of "All in the Family," "Sanford and Son," "The Jeffersons" and a bunch of other shows you know and love) turns 96 today.
Thank Norman for all the laughs at email@example.com, and crack us up with a story tip or calendar suggestion, please and thank you.
A few words from our sponsor: Northwell Health is NY's largest healthcare provider and private employer, with 22 hospitals, more than 550 outpatient facilities and 62,000-plus employees. We're making research breakthroughs at the Feinstein Institute and training the next generation of medical professionals at the Hofstra Northwell School of Medicine and the School of Graduate Nursing and Physician Assistant Studies. VisitNorthwell.edu.
A bellyful of optimism: Continuing recent trends, most food and beverage companies anticipate significant sales increases this year, according to the 2018 Mazars USA Food & Beverage Industry Study, released Thursday by the global accounting and consulting group.
The study – based on an online survey of 200-plus manufacturers, wholesalers, distributors, restaurateurs, retailers and supermarkets, primarily in the Northeast, conducted between March and May – serves up several tasty findings: More than 90 percent of respondents predict sales increases this year, better than 80 percent anticipate increased profits and a full 69 percent plan to expand their workforces.
Increased demands for private-label and organic foods are expected to be top sales drivers, according to respondents, who also chime in on challenges ranging from rising commodity costs to increased competition to supply-chain authentication. "The dynamic nature of the food and beverage industry continues to challenge organizations," notes Howard Dorman, the partner in charge of Mazars USA's Food & Beverage Practice, who adds the annual survey "provide(s) executives with comprehensive insight into potential industry drivers and best practices to stay ahead of the competition."
Angela's new house? The Brookhaven Industrial Development Agency is considering an economic-incentives package for what Chairman Frederick Braun III dubbed a "unique" proposal, involving a landlord who intends to provide warehouse space for a nonprofit organization.
Hauppauge-based Independent Group Home Living and Lucky Daughters Realty Inc. have applied for a tax-abatement deal to facilitate their purchase of a 25,000-square-foot former furniture store on Route 112 in Medford. Their plan is to lease the space to Angela's House, an IGHL subsidiary that assists families with medically frail children.
Currently servicing more than 600 families per year, Angela's House would use the space to receive donations of medical and building supplies and resell them to the public, an operation projected to ultimately create two full-time and 10 part-time jobs. The IGHL's economic-incentives application is subject to a review by the IDA and a public hearing before it can be approved.
Chew on this: Even the best medical science fails if patients don't eat nutritiously, so Northwell Health, Island Harvest and friends are getting proactive about food insecurity.
Ready to fight: A first-ever grant from the Pancreatic Cancer Action Network is arming Stony Brook researchers to do battle with the most-deadly disease.
In the bank: Modest quarter-over-quarter gains were enough to keep Westbury-based New York Community Bancorp locked on course for a successful fiscal year.
Check out Applied DNA's pot of gold, Long Island colleges' big state stipends, Ray Ann Havasy's personal STEM mission and Farmingdale State's really successful grads.
Public display: Newsday breaks down the 2017 fiscal performances of Long Island's top 50 public companies.
Facebook hits a firewall: Twenty-four hours after the social media giant announced it had secured licenses for "innovation hubs" throughout China, the grand plan hit a snag.
Overnight sensation: NatGeo takes an amazing journey through the stages of sleep – and explains why an (increasingly rare) good night's rest is critical to our health.
Like this newsletter? We do, too. And we want to keep sending these fun and informative roundups your way – so please help us help you by encouraging your fellow innovators to check it out and subscribe for free.
+ Bonnie Porzio has been elected to the board of directors of Westbury-based Pet Peeves. Porzio is general counsel at Triumph Construction Corporation in the Bronx.
+ Irwin Klein, a Melville endocrinologist affiliated with Manhasset-based North Shore University Hospital, has been elected as an at-large member of the North Shore University Hospital Medical Board.
+ Jenifer Oviedo has been hired as marketing coordinator at Melville-based Tenenbaum Law. She previously served as a public relations intern at the Huntington Arts Council.
+ Todd Bass has been hired as counsel and leader in residential real estate at Lake Success-based Vishnick McGovern Milizio. He was a sole practitioner in Garden City.
+ Bryan Griffiths has been promoted to business operations analyst at Melville-based Korg USA. Griffiths was previously the company's dealer-support representative.
+ Charles Roberson has been promoted to chief operating officer at Ronkonkoma-based Lakeland Industries Inc. Roberson was previously the company's senior vice president of international sales.
+ Bhupesh Parashar has been appointed vice-chairman of radiation-medicine research at the Northwell Health Cancer Institute and director of the institute's Head and Neck Cancer Center. The radiation oncologist previously spent 13 years in leadership positions at New York-Presbyterian Hospital/Weill Cornell Medical Center in New York City.
See SpotMini run: Meet your new best friend – Boston Dynamics' latest robotic creation, which doesn't need to be fed or walked in the rain (and won't shed).
LaGuardia lands a Shake Shack: The burgeoning burger bistro is one of several eateries arriving at the Queens airport's shiny new terminal.
Mind over menu: Or forget the burgers and study up on the best foods for your brain, from almonds and avocados to pomegranate and that daily glass of red wine (or two).
The search continues: Still no sign of "free news," so we'd be much obliged if you'd continue supporting the amazing institutions that support Innovate LI, including Northwell Health.


text:
Did a burglar damage the deadbolt door lock to your business after picking it to break inside? You might want to install door locks that are more complicated for criminals to pick, such as keypad locks that require a code or card for entry into the building. Find out in this article why an investment in keypad locks is ideal for securing the doors to your building.
Picking the Locks is Difficult
One of the benefits of keypad locks is that they cannot be picked by manipulating a pin and tumbler system like with deadbolt locks. Keypad locks works off of electric motor, and it is difficult for the bolt to move if the motor is not functional. Using an activated card or code is the only way to get past a keypad lock without having to do a lot of work to pick it open.
Scheduled Access is Possible
A great benefit about a keypad lock that makes it stand out is that you can control the times in which it can be accessed. For instance, even if you give your employees activated cards or codes to get inside of the building; you can set some keypad locks to automatically stop allowing access at certain times. Scheduled access can come in handy if you don't want anyone in the building after certain hours of the day, such as if there is a reason to not trust certain employees.
Do Away with Keys
Trying to keep up with keys can be a headache, especially if you have several of them for different areas of your building. Plus, there is always the chance that an employee might not return a key after he or she quits or is fired. You can end up with your key possibly reaching the hands of a criminal. With keypad locks, you can simply deactivate cards or codes when an employee no longer works for your company. You also have the ability to quickly activate new codes and cards as they are needed, rather than getting extra keys made.
Various Model Options
If you don't like the idea of completely getting rid of traditional keys, you can invest in keypad locks that have keyholes. There are keypad lock models that can be used in multiple ways, such as with codes, cards and keys. You have the option of choosing a single method for opening the locks as well to keep everything simple. Speak to a commercial lock repair company like Hicks Safes & Locks Inc about replacing your damaged deadbolt with a keypad lock as soon as you can.


text:
The 20th Iranian International Film Market (IFM) will be held as part of the 35th Fajr International Film Festival (April 20-27) in Tehran where a total of 53 international film companies will present their productions.
By inviting the companies, "we aim to bring together the major movie distributors and companies in the Middle East and neighboring countries," said Mehdi Yadegari, the IFM manager.
The main goal of the IFM is marketing for Iranian films and commercial interaction with foreign distributors. It also provides an opportunity for local distributors and private institutions to select quality foreign films for public screening at the national festivals, IRNA reported.
Besides the pavilions for every attending company, there will be special spaces called 'video bank' where the buyers can watch the presented works.
"We have invited international buyers that have purchased Iranian works in the past and so far 23 buyers from 16 countries are scheduled to attend," Yadegari noted.
Two workshops will also be run during the event where filmmakers will exchange ideas about 'terms and conditions of sales contracts'. "We seek to introduce the film owners to a set of general principles that should be considered when signing contracts," he added.
At a film market, most of the filmmakers try to offer their movies to representatives of international festivals so that they can have a chance to be part of foreign events too. But another aspect which is usually neglected is the commercial part. "I hope the presence of Iranian films in the world market sees a gradual increase," Yadegari said.


text:
Everton have begun consulting with fans over the next redesign of their club crest, after the last attempt at a redesign caused embarrassment for the club.
Everton fans were so set against the new design that they started a petition to get it changed, and gathered 22,000 signatures, forcing the club to apologise.
It was then promised that the crest would be changed this year, with full input from the fans.
They vowed to take on board the views of fans for another new badge - the 11th in the club's history - for 2014-15.
Everton have now launched an extensive consultation process inviting fans to complete an online questionnaire and apply to join one of a series of focus groups.
The final design for the badge will eventually by decided by a vote.
Director of communications Alan Myers said: "The 2014-15 crest will be the people's crest, make no mistake about that.
"All I ask is that the fans trust me, as an Evertonian , to deliver it to them.
"Every single supporter may not get exactly what they want but they will have the chance to give their input and shape the crest."


text:
Deepika Padukone started trending on social media soon after she was referred to as tennis star Novak Djokovic's 'female companion' in an article by British site. After a series of angry tweets from Deepika's fan tabloid updated their article and also added a short description of Deepika's rise in Bollywood
Deepika Padukone is swiftly becoming an international star or perhaps, not just yet. The actress was photographed leaving a local hotspot with tennis star Novak Djokovic. Foreign media, however, entirely failed to identify her. For future reference, foreign media, Deepika Padukone is one of India's biggest stars
They seemed to have a lot to talk about
It took more than three to tango, in this case. FedEx's dance partners were fellow tennis stars Pete Sampras and Boris Becker, the original Don, Amitabh Bachchan himself, and actress Deepika Padukone who had joined Federer and Novak Djokovic on court for a celebrity mixed doubles friendly


text:
Carol Lou "Babe" Wieschhaus, 83, of Columbia, passed away on Saturday, Nov. 25, 2017 at Ashland Healthcare in Ashland.
Visitation will be held on Wednesday, Nov. 29 from 5:00-7:00 p.m. with a rosary beginning at 4:00 p.m. at Memorial Funeral Home. Memorial service will be on Thursday, Nov. 30 at 10:00 a.m. at the Our Lady of Lourdes, 903 Bernadette Dr, Columbia. Inurnment will follow in Memorial Park Cemetery.
Babe was born on June 14, 1934 in Shamrock, the daughter of Marlin and Florence (Brown) Erwin who preceded her in death.
She was married on May 9, 1953 in Martinsburg to Norbert Wieschhaus who survives.
She had a long career as lead cook at Columbia Catholic School. She was a member of Knights of Columbus Ladies Auxiliary and volunteered at the Wardrobe in Columbia.
Babe loved spending time with her many family members doing the things she enjoyed most such as trout fishing, camping, Cardinal Baseball and MU Tiger football, basketball and particularly MU Women's basketball.
Other survivors include two sons, Paul Wieschhaus (Jerry) of Hartsburg and Steve Wieschhaus (Shannon) of Columbia; two grandsons, Andy Wieschhaus of St. Joseph and James Wieschhaus of Columbia; two brothers, Virgil "Boogie" Erwin of Auxvasse and Glen Erwin (Carolyn) of Mexico, Mo.; and one sister, Frances Erwin of Mt. Pleasant, Texas; along with several great-grandchildren and great-great-grandchildren and many nieces, nephews and cousins.
She was also preceded in death by three brothers, Wayne "Sport" Erwin, George Erwin and Ed Erwin; and one sister "Bert" Erwin.
In lieu of flowers, memorials may be made to Alzheimer's Association, c/o Memorial Funeral Home, 1217 Business Loop 70 West, Columbia, MO 65202.
Online condolences may be made at www.memorialfuneralhomeandcemetery.com.


text:
Cloud offers a mature utility model today. Its services are based on defined elasticity, responsiveness, metric, cost, security and resilience.
8:00-8:30AM Registration and Breakfast
8:30-8:35AM WSTA Introductions: Thomas Piderit, Vice President, Federal Reserve Bank of New York and a WSTA Officer
8:35-9:00AM "Industry Perspectives" & Moderator
Raja Chris, Head of Infrastructure, Annaly Capital Management and a WSTA Director
Raja Chris is the Head of Infrastructure at Annaly Capital Management, a more than 112 billion REIT. Raja is responsible for design and delivery of next generation products, services, technologies and IT functions critical to achieving Annaly Capital Management's strategic growth priorities. He provides leadership for the continued development of an innovative, robust, and secure information technology environment throughout the Company. Raja also holds multiple Cyber Security US and Global patents.
Raja is a senior-level IT service leader with 15+ years of experience guiding global, matrix, and cross-functional teams in IT architecture design, development, and implementation for improved infrastructure stability, performance, and team productivity. Raja has a diverse background in data center, messaging, cyber security, data, network, voice, video and wireless technologies. Prior to joining Annaly Capital Management, he held senior roles at Nomura, SAC Capital, and Citi Group.
Raja has a Bachelor of Science degree in electrical engineering from the University of Maryland, College Park, MD.
9:00-10:30AM Panel Discussion
Pinaki Datta, Global Head of FX Prime Brokerage Technology, Citigroup
Pinaki works as a Director in the FX and Local Markets Rates(FXLM) Technology, part of Citi's Markets & Securities Services Technology (MSST) organization. In his current position, he plays the role of LATAM Regional Head of FXLM, and also the Global Head of FX Prime Brokerage(FXPB) Technology – with focus on standardization, re-engineering, productivity and innovation. He also serves as a lead in the Cloud adoption strategy and implementation team in Citi's Global Markets Technology organization. Prior to taking up his current role, Pinaki worked in various other positions in Credit and Market Risk Technology in Citi.
Pinaki has 20 years of industry experience in technology and holds a BS (from India) & MS (SUNY at Albany) in Computer Science, and an MBA in Finance (Pace University, New York).
Ajay Gulati Co-Founder, CTO, ZeroStack
Ajay shares responsibility for driving ZeroStack's product innovation, bringing to life his thought leadership in systems infrastructures and virtualization. Ajay was a senior architect and R&D lead at VMware where he designed flagship products including Storage I/O control, Storage DRS and DRS. He has been recognized as a prolific inventor by his peers and has more than a dozen patents to his name. Ajay has consulted with multiple startups including Nimble Storage and Velocloud Networks.
Ajay has a Ph.D. from Rice University and a B.S. from IIT Kharagpur.
Andrew Hillier, Co-founder & CTO, Densify
Andrew Hillier has over 20 years of experience in the creation and implementation of mission-critical software for the world's largest financial institutions and utilities. A co-founder of Densify, he leads product strategy and defines the overall technology roadmap for the company.
Prior to Densify, Hillier pioneered a state of the art systems management solution which was acquired by Sun Microsystems and served as the foundation of their flagship systems management product, Sun Management Center. Hillier has also led the development of solutions for major financial institutions, including fixed income, equity, futures & options and interest rate derivatives trading systems, as well as in the fields of covert military surveillance, advanced traffic and train control, and the robotic inspection and repair of nuclear reactors.
Hillier holds a Bachelor of Science degree in computer engineering from The University of New Brunswick.
William Lathram, NA Cloud Infrastructure Leader for Financial Services, Red Hat
Bill is the Business Development leader for Cloud Solutions within the Red Hat Financial Services Industry Vertical. He brings over 15 years of Financial Services technology experience with Fidelity Investments where he was a Senior Vice President responsible for leading the commercialization several proprietary cloud solutions (SaaS/PaaS) into Fidelity's enterprise and strategic relationships across the Insurance, Banking and Capital Market segments. Most recently, Bill served as Executive Consultant for two FinTech Venture Capital firms consulting with the C-Suite of three emerging FinTech firms developing AI, Blockchain, Big Data, Mobile Banking, and Mobile brokerage trading platforms.
Bill is an alumnus of Indiana State University, and has an MBA in Finance from Xavier University. He has spoken at industry events on topics spanning leadership, emerging technology, operational best practice, and risk and regulatory compliance. He is actively involved in several non-profits in the Raleigh community, and has served as a business mentor with the Duke Bullpen Innovation & Entrepreneurship and NC State's Center for Technology & Innovation.
My LinkedIn profile https://www.linkedin.com/in/william-lathram-a520225/
David Lewis, Head of Enterprise Architecture and Cloud Strategy, S&P Global
David Lewis is Head of Enterprise Architecture and Cloud Strategy at S&P Global, Inc., leading a multi-year cloud transformation to accelerate S&P Global's vision for Powering Markets of the Future.
David is a strong advocate for the power of public cloud services and cloud native architectures as key driver of transformation for companies relying on traditional technology and solutions.
David's career has focused on harnessing new technology to transform companies and deliver big ideas – from pioneering a novel database platform as an early foundation of the human genome project, to re-imagining commercial loan securitization using object-oriented methods and tools. He led the architecture for Pershing's award-winning NetExchange brokerage and advisory platform, and most recently, he spearheaded the successful enterprise adoption of BNY Mellon's private cloud, a foundational component of their NEXEN digital ecosystem.
David has been coding and leading technology change for over 30 years, and holds certifications including FINRA and AWS. He is a recognized thought leader in cloud strategy and regularly speaks at technology and financial services industry events.
David holds a BA degree from St. John's College in Santa Fe, NM.
Stephen Orban, Head of Enterprise Strategy, Amazon Web Services
Stephen joined AWS as Head of Enterprise Strategy in September of 2014. In this role, Stephen oversees AWS' enterprise strategy and go-to-market, and works with enterprise technology executives to share experiences and strategies for how the cloud can help them devote more of their resources to their customers.
Prior to joining AWS, Stephen was the CIO of Dow Jones, where he introduced modern software development methodologies, reduced costs, and administered a cloud-first policy by leveraging AWS and other SaaS partners. These transformational changes accelerated product development cycles and increased productivity across all lines of business, including The Wall Street Journal, MarketWatch.com, Dow Jones Newswires, and Factiva.
Stephen also spent 11 years at Bloomberg LP, holding a variety of leadership positions across their equity and messaging platforms, before founding Bloomberg Sports in 2008, where he served as CTO.
Stephen earned his bachelor's degree in computer science from State University of New York College at Fredonia.
Rahul Ravulur, Co-founder, CEO, appOrbit
Rahul has over 20 years of experience in enterprise software in different roles. Before founding appOrbit, Rahul spent 8 years at VMware in various product management roles. Rahul initially was the Lead Product Manager for vCenter, the leading virtualization management platform. Rahul was subsequently responsible for managing the Availability team at VMware responsible for widely used products like HA, SRM and the Backup ecosystem. Prior to VMware, Rahul started his career as a software development at Marimba building software discovery products and managing the team building Marimba's configuration management platform.
Rahul has a BS in Electronics Engineering from University of Mumbai, Masters in Engineering from University of South Carolina and an MBA from the Haas School of Business, UC Berkeley.
10:30AM Panel Concludes
Agenda and Times Subject to Change
Registration Information
WSTA Corporate and Individual members receive complimentary admission to WSTA Panel Discussions. See if your financial firm is currently a WSTA Member.
Non-Member Registration
Financial Industry professionals are eligible to attend for $495. To complete your Non-Member Registration, click here. Vendors and Service providers must sponsor to attend.
To Cancel your Registration, click here.
The Yale Club of New York City
50 Vanderbilt Avenue
New York, NY
United States


text:
Student who faced child cancer is giving back by volunteering
A bright and outgoing young year 13 student, it's hard to believe that Petra once faced life-threatening cancer. In 2007 at the age of five, a stage four Wilms tumour the size of a brick was discovered on Petra's right kidney. A small tumour was also found on her lung. The affected kidney was removed and she had radiotherapy and chemotherapy to stop the spread of the cancer.
Petra remained cheerful and upbeat throughout her treatment and in 2009 became Child Cancer Foundation's 'Face of the Appeal' - Child Cancer Foundation's biggest annual fundraising event.
12 years on Petra's involved in the event in a different way, hitting the streets armed with collection buckets alongside friends from school raising donations for Child Cancer Foundation. Petra is generally well and is due to finish school in 2020.
"I felt so well supported throughout my cancer experience I want to give back through volunteering. My cancer was tough but it was also a positive experience for me as it made me who I am today. If I can try and give back in some small way by volunteering, then that's what I'll do and continue to do for many years to come." Says Petra


text:
Shelton Stop & Shop gets zoning OK to extend gas station hours
The Stop & Shop gas station on Bridgeport Avenue in Shelton has received zoning approval for longer hours, which appear to have actually been in effect for awhile.
The Shelton Planning and Zoning Commission (P&Z) recently approved the extended hours for the facility at 900 Bridgeport Ave. in the Shelton Square Shopping Center.
Stephen R. Bellis, land-use attorney for the local Stop & Shop, said one hour of operation will be added at the end of each day. "We'll still close earlier than the store," Bellis told the P&Z.
The new hours will be Monday to Saturday from 5:45 a.m.-11 p.m., and Sunday from 6:45 a.m.-10 p.m.
Not having supermarket and warehouse club gas stations open when the main store isn't open has been a concern in many towns, because staffing is extremely minimal at the affiliated gas stations.
Many of the stations are staffed by one person per shift, and that could be an issue during an emergency such as a fire, leak or crime incident. In addition, the affiliated gas stations usually have a large number of gas pumps.
When did longer hours begin?
Based on earlier signage seen inside the Stop & Shop, it appears the longer gas station hours went into effect at least a month ago without having received zoning approval.
Many towns charge higher fees for zoning applications when they involve an after-the-fact request, as appears to be the case with the gas station hours, but Shelton does not do that. The higher fees are viewed as a way to encourage businesses and people to always seek the necessary zoning approval for actions.
The Board of Aldermen is looking at the idea of allowing higher after-the-fact zoning fees, which must be done through the ordinance process.
The Stop & Shop is located in a Planned Development District, and the P&Z can control the hours of operation for companies with facilities located within a PDD.
The legal owner of the Shelton Stop & Shop is Ahold USA Retail Inc.


text:
This spring's production of Béla Bartók's Bluebeard's Castle was only the second mounted in the Metropolitan Opera's history, and the first to use Béla Balász's original Hungarian libretto. This is a peculiar omission; the opera is a magnificent work, with a richly textured score and libretto, meticulously and audaciously constructed. The one-act piece provides an exciting musical and dramatic challenge to everyone involved in the production—from the two singers (Nadja Michael and Mikhail Petrenko) who carry the entire narrative, to the set designer (Boris Kudlicka) who is tasked with representing the symbolically freighted castle of the title, to the director (Mariusz Trelinski) who has to conjure a comprehensible and emotionally compelling story from Balász's imagistic and ambiguous libretto.
Adaptations of the Bluebeard fairy tale, like this one, have often functioned as explorations of gendered violence within a particular historical moment. Changing attitudes towards domestic abuse, for instance, can be traced through versions from Charles Perrault's witty tale with its disdainful, misogynistic moral, to Angela Carter's exuberant feminist fantasia , to the diffuse, systemic violence which runs through Jane Campion's The Piano . Unusually for such adaptations, Bartók and Balász's Bluebeard's Castle focuses exclusively on the relationship between Bluebeard and Judith, the protagonist. Here, Judith opens forbidden doors not covertly, as in other versions, but under Bluebeard's direct gaze. He even begs her not to, but slowly cedes one key after another into her hands. It is a narrative about power, control, threat, and passion, an exploration of a violent relationship which nevertheless remains vividly human, and insistently nuanced. Nadja Michael succeeds in portraying a Judith who loves Bluebeard and wants to bring light into his castle and his life, but who is also afraid, filled with very real dread that he has murdered his previous wives and that she will be next. Mikhail Petrenko's Bluebeard also loves Judith, even idolizes her. But his is a love that requires control, and one which must be enacted through violence.
Each time Judith opens a door to a different part of the castle she first registers shock, then, as blood corrupts everything she sees, she becomes slowly more disturbed. Repeated dissonant motifs underscore the threat looming in each new part of the castle, while the rich high notes of Judith's soprano teeter on the edge of a scream, her voice at once asserting her power and suggesting her vulnerability.
The Metropolitan Opera production does not shy away from representing either the violence of the text or its emotional complexity. Trelinski has said that he was inspired by the iconography of film noir—and specifically by Hitchcock's Rebecca —in his staging of the opera, and this comes through in all aspects of the production. Judith's gleaming turquoise gown and blonde bobbed hair make her the very image of an elegant noir heroine, while Bluebeard's dark suit and gloves fit him equally well into the genre. A constantly shifting set of tall windows casts long dark shadows, while a series of projections used throughout the performance integrates a cinematic sensibility into the staging. At several points in the opera, a screen descends over the actors and plays a dizzying image of continually rotating staircases, reminiscent of Hitchcock's iconic shot in Vertigo. In combination with the creaking, disembodied voice that speaks the prologue, these projections almost make the castle itself a third character in the drama.
The noir aesthetic also draws the opera away from its traditional gothic imagery and into the visual vocabulary of modern serial killer movies (a clanging metal gate, a white-tiled room with a drain in the center, a sterile, stripped-down torture chamber…). Although at times this aesthetic feels gimmicky, it brings out the seriousness of the threat facing Judith. The gothic vocabulary of Balász's libretto is strongly coded as fantasy in a way that can distance audiences from the reality of the violence portrayed. By reshaping the iconography of the piece, Trelinski's production breaks through this barrier, linking it with narratives of violence that, however extreme in their imagery, feel more compelling and even realistic to a contemporary audience.
At times the awe-inspiring, ever-shifting sets come close to overwhelming the performers, taking the focus away from the close, human dialogue at the heart of the opera. But the staging also builds so much tension that when Bluebeard and Judith actually touch, either affectionately, violently, or both, it can be electrifying.
Trelinski's most audacious choice, however, is his reinterpretation of the opera's ending. One of the major innovations in Balász's libretto is that Judith's final horror comes not from learning that Bluebeard's previous wives are dead (she has prepared herself for this possibility, and confronts Bluebeard with it earlier), but that they are still alive—transformed into silent, obedient wraiths locked behind the final door. As Bluebeard names her among them, Judith finds herself unable to speak and compelled to join them behind the door.
Trelinski blunts the poetic possibilities of this ending by overlaying it with the violence of a thriller. As Bluebeard buries a body dressed in Judith's distinctive blue gown, Judith herself stands by, watching helplessly. She and the wives are implied to be truly dead, now only ghosts keeping watch over their murderer. Though this is a powerful ending, I thought the production loses something by resolving all the terrifying possibilities the opera offers—the possibility, for instance, that Bluebeard transforms his wives rather than killing them, and thereby controls them indefinitely.
The survival of the wives, implied in the libretto, undermines the clean narrative of the traditional Bluebeard story and opens it up to a variety of possibilities for what it might mean to live in a sustained situation of control. As a serial killer, Bluebeard is all too easy to hold in moral contempt, and to set apart from those who perpetrate more subtle types of control and violence within intimate relationships. But if Bluebeard were to keep his wives alive, adoringly describing each according to the individual beauty he sees in her, the opera might be forced to grapple with the possibility that love can itself be dangerous and even violent, that a character as strong-willed and passionate as Judith could be transformed under sustained compulsion.
Set against these possibilities, a murder is the easy way out. Both the audience and Judith herself expect to see dead bodies from the opera's very beginning—previous knowledge of the story, the noir aesthetic, and insidious hints of blood all point towards murder. Judith even accuses Bluebeard of having killed his previous wives. To reveal them alive would be to leave the audience with a more unexpected and disquieting ending, one which opens up further dialogue about the meaning of intimate violence rather than cutting it off with an all-too-easy murder.
RACHEL HERZOG is a graduate of Barnard College, class of 2015.


text:
Set is a real-time card game designed by Marsha Falco in 1974 and published by Set Enterprises in 1991. The deck consists of 81 cards varying in four features: number (one, two, or three); symbol (diamond, squiggle, oval); shading (solid, striped, or open); and color (red, green, or purple).[1] Each possible combination of features (e.g., a card with three striped green diamonds) appears precisely once in the deck.
Several games can be played with these cards, all involving the concept of a set. A set consists of three cards which satisfy all of these conditions:
The rules of Set are summarized by: If you can sort a group of three cards into "Two of ____ and one of _____," then it is not a set.
For example, these three cards form a set:
Given any two cards from the deck, there will be one and only one other card that forms a set with them.
In the standard Set game, the dealer lays out cards on the table until either twelve are laid down or someone sees a set and calls "Set!" The player who called "Set" takes the cards in the set and the dealer continues to deal out cards until twelve are on the table. If a player sees a set among the twelve cards, they call "Set" and take the three cards, and the dealer lays three more cards on the table. It is possible that there is no set among the twelve cards; in this case, the dealer deals out three more cards to make fifteen dealt cards, or eighteen or more, as necessary. This process of dealing by threes and finding sets continues until the deck is exhausted and there are no more sets on the table. At this point, whoever has collected the most sets wins.
Variants were included with the Set Game that involve different mechanics to find sets as well as different player interaction. Additional variants continue to be created by avid players of the game. [3][4]


text:
Everyone would like to come home to a house that makes them feel comfortable, welcome and happy to be there. But sometimes it's hard to figure out how to make your house feel like home.
Click Next to see our 7 steps to create a home that is comfortable, welcoming and warm.
Step 1: Surround yourself with things you love (and get rid of the things you don't)
This post may contain affiliate links. We make a small commission if you buy the products from these links (at no extra cost to you). As an Amazon Associate, I earn from qualifying purchases. But we only recommend products we would use ourselves. For more information, click here to see our disclosures.
If you only follow one of the steps to make your house feel like home, this is the one to follow. Surrounding yourself with things you love applies to everything…furniture, accessories, drapery, rugs, paint colors…everything.
You'll be amazed at how much more welcoming your house feels when you don't have to look at that painting you have always hated, or light candles in the expensive candle sticks that don't suit your taste, or sit in the old hand-me-down armchair that you never liked. When you don't really like the things that you live with, you get a negative feeling every time you look at them or use them. You will never feel completely relaxed and comfortable with all that negative energy hanging around.
The opposite happens when you have a picture or piece of furniture that you really love…every time you see it, it brings a little happiness to your life. And once you feel happier and more relaxed at home, everyone else will feel more comfortable there, too…that relaxed feeling is contagious!
Obviously if you don't live alone, you may need to do some negotiating. If that armchair you are dying to get rid of happens to be your husband's favorite chair, it might be better for your marriage to come up with a compromise. Maybe it can go to another room in the house that he can call his own. Or he might be fine with swapping it out for a different comfortable chair that you like. Or if it's mostly the color that bothers you, you could buy (or make) a slipcover for it that allows the chair to stay.
Step 2: Make your home easy to live in
Another major component in helping to make your house feel like home is by making the people in it feel comfortable…so set your rooms up to be easy to live in.
Think of what people in the room would want before they have thought of it themselves.
- Place a blanket over the back of a reading chair or the sofa that someone could use if they were cold
- Have a place to put down a drink for every seat, with coasters if it is a table that will mark if it gets wet
- Use lamps or overhead lights with dimmers to provide diffused lighting which make people's skin tone look better
- On a similar note, get rid of all fluorescent lighting. Nobody looks good in fluorescent light. I won't even use them in the garage!
- Put breakable things in places where they can be seen but not easily knocked over. Nothing makes people feel more uncomfortable than constantly being worried that they will knock something over and break it!
- Make sure there's enough room to comfortably pull out chairs in the dining room
- Hang a mirror in the front hall so people can check their hair and make up on the way in or out.
- Hang a framed sign with your wireless network name and password in your guest room, so that people don't have to ask you what it is
- Provide a place for charging phones and laptops
- Place the phone beside your favorite chair so you don't have to get up to answer it
- Have an easily-accessible stack of books or magazines that anyone could read
The next time you sit in your room, notice the things that annoy you. Then come up with a way to fix them.
Step 3: Use your decorating type to determine what to put in your rooms
If you can figure out the type of decorator you are, you will find it easier to stick to rule #1.
1. Do you get tired of things quickly? People who get bored with their decor easily need to plan to be able to change it. Use the following ideas to choose things that can be changed easily:
- Use paint instead of wallpaper.
- Buy furniture that comes with a slip cover, or is easy to slip cover, so you can change the look easily.
- Buy less expensive furniture so you won't feel guilty replacing it.
- Buy modular furniture that can be re-arranged more easily (ie. re-positioning a sofa and a chair is easier than finding a new location for a large sectional)
- Have an accessory storage location in the house so you can put your accessories on a rotation…swap some of them out to a different room or to your storage area, and bring out some new ones to keep the room from getting stale.
- Use a fairly consistent color scheme throughout your house so that it is easy to move furniture and accessories from room to room.
2. Would you be unhappy with your purchase if was not a high-quality product? If you are someone who is uncomfortable living with lower quality furniture and accessories, don't do it! Again, this will cause negative energy in your house every time you look at or sit on that sofa. If you are on a budget, you can often find good-quality furniture for lower prices at thrift stores, antique stores or consignment shops, especially if you shop in the area of town where the higher-end neighborhoods are located. If you are shopping for new furniture, it would be better to save for the better-quality piece that you want than to live for years with something that is making you subconsciously unhappy in your home.
3. Are you a function-first or style-first decorator? Some people are mostly concerned with making sure that what they buy functions the way they want it to, while others are much more concerned about the way that it looks. Recognizing which personality type you are will help you remember the part that you are missing. Buying a sofa that is the perfect color but uncomfortable to sit on or the wrong size for the room will make the room feel uncomfortable, as will buying the right-sized, comfortable sofa that is the wrong color. For a house to feel welcoming, it needs to have both function and beauty, so when you are purchasing items, try to find things that fulfill both sides of the equation–looking good and functioning well.
4. What makes you feel relaxed and comfortable? Figuring this out will help determine the decorating styles you should use. Do you think of curling up with a book in a large chair in front of the fireplace? Walking on the beach on a beautiful sunny day? Hiking through the mountains? Whatever your definition of relaxing is…use that as a starting point for how to decorate and accessorize your rooms.
Step 4: Add accessories and pillows that are "you"
Throw pillows, blankets, pictures and other accessories often contribute to a "homey" feeling especially if they reflect the personality of the owner.
Having said that, there is such a thing as too much of a good thing. A sofa with a couple of cushions at each end is welcoming. A sofa with so many cushions on it that there is no room to sit down is not. If there are so many accessories on the tables that people have no room to put their drinks down or cannot walk by without fear of knocking something off, they will not feel comfortable even if it does look beautiful.
Step 5: Choose fabrics with texture that automatically add a welcoming feeling
Step 5 for how to make your house feel like home is to include fabrics with texture. Texture adds warmth to any space and helps to create a comfortable home. Think of a plush area rug, a chenille blanket, woolly throw pillows, or a velvet-covered chaise. All of these made with fabrics that have texture. This is especially important if you are someone who prefers streamlined rooms with few accessories…texture will add the warmth that is missing.
Step 6: Choose colors that match your personality and allow you to express yourself
Choosing colors that you love will definitely help you create a home that you are always happy to walk into.
Your definition of relaxing often dictates whether you prefer a darker or lighter color on the walls. Darker colors bring the space in, and can make large rooms feel more grounded and cozy…if you are a "curl-up in front of the fireplace" person, this may be exactly what you are looking for.
Lighter colors expand the space and make it feel more airy…if your idea of relaxing is walking on the beach, this may be the way to go for you.
If you are someone who is afraid to use a lot of color (and there are a lot of you out there), you can still use neutrals for your walls and big furniture pieces, and then bring in color using smaller items, such as cushions, accessories and artwork. This also gives you the benefit of being able to swap the color out for another one if you get tired of it.
Step 7: Choose the right light fixture for the right room
Lighting is often one of the most overlooked parts of a room, and I think it makes the biggest impact on the ambiance in the room.
In social areas, use lamps and wall sconces that provide light from the side rather than relying solely on overhead lighting. Overhead lights tend to throw unnatural shadows that are not always flattering. Lamps that provides diffused light at face level help even out these shadows making people look better (make sure that the bulbs are covered in eye-level lighting…looking directly at the bulbs is hard on the eyes).
Any kind of lights that provide interesting reflections, such as the crystals on chandeliers, will add a little more glamour to your room (and everyone knows I love a little sparkle!). And candles add warmth to any room.
For functional areas, such as kitchens, adding task lights (such as under-cabinet lights in the kitchen) will make it easier to work. And anything that makes work around the house easier, will help to create a comfortable home.
For more information on this topic, see our post on how to choose the right overhead light fixture.


text:
Exmouth Town hosting more Cornish opposition on Saturday
PUBLISHED: 10:14 07 December 2018
On (December 8) Exmouth Town's first team entertain Camelford at Southern Road with kick-off at 3pm.
Home supporters should get a first glimpse of Jordan Harris in a Town shirt after he signed from Cullompton Rangers. The Southern Road gates and clubhouse open at 1.30pm.
It's another 'Super Saturday' at the club with the clubhouse TVs showing the Chelsea versus Manchester City match from 5,15pm.
In other Town action on the second Saturday of December, the senior second team make the short trip across East Devon to contest a Macron League Premier Division game against Beer Albion where the action gets underway at 2.15pm.
Town thirds are also in local action as they travel to Honiton Town thirds for another 2.15pm kick-off.
The-arranged Plate competition match against Central Rovers, but the Under-13s are without a game.
There's action also on Sunday with Town Under-18s in Wottons Printers Devon Cup action when they entertain Totnes and Dartington in the quarter-finals, The Southern Road Sunday kick-off is 2pm.
If you value what this story gives you, please consider supporting the Exmouth Journal. Click the link in the orange box above for details.


text:
Oribel Cocoon High Chair Review
I've partnered up with Oribel to share my Oribel Cocoon High Chair Review. As always, all opinions are my own and I only parent with brands I love and trust.
Oribel Cocoon High Chair Review
Grows With Your Child
As a mom of soon to be three children, I am very aware of products that are unnecessary. So many products are only needed for such a short time.
With most high chairs, you use them from the time they can sit up and support themselves, until they outgrow it.
The Oribel Cocoon High Chair allows you to use it from 6 months to 3 years. With three reclining positions, your baby has a place at the table while being able to recline and lay down.
The high chair also has 6 height position!
Oribel Cocoon Versatility
Besides growing with your child, the Oribel Cocoon High Chair is quite versatile.
It has the option to attach a large self-feeding tray, which is also dishwasher safe, or the smaller food and cup holder. The foam seat pad is not only comfortable, but easy to clean. There is nothing worse than a high chair that is difficult to clean!
The Oribel Cocoon High Chair is also easy to store. It folds up and can easily slide into the closet!
Modern Design
Since we just moved into our new home, having a high chair that not only met our needs, but looked great as well was important to me.
I love the modern design of the Oribel Cocoon High chair. It matches our kitchen so well and I don't mind keeping it out!
This high chair looks good, is incredibly functional and super easy to clean and use! We've gone through several booster seats and a couple of different high chairs over the years. This is one that will actually be kept and used for years to come!


text:
Acapulco Tote Bag
Add to Babylist
Thanks for signing up for restock notifications!
There was an error signing up for restock notifications. Please try again.
Carry your gear in style! From trips to the farmer's market to days out at the park, this stylish Bebe au Lait Tote fits all your must-haves.
- Long carry strap allows for wear on shoulder or cross-body
- 100% cotton in signature Bébé au Lait patterns
- Carries up to 20 lbs.
- Machine washable


text:
Spring finally is starting to feel more of a reality.
When I waken in the morning, the sky has started to lighten. I can open my blinds and from the warmth and comfort of bed, see the day emerging: the camellias along my back fence take shape as blooms of red petals festooning the fence.
My astrologically minded colleagues remind me that we are in a time of great change - and equally great opportunity - as if it were not enough to notice the burning of the Amazon forests and the bleaching of the Great Barrier Reef. As well, of course - let's be balanced about this - as the new expressions of our universal connectedness with each other and with the rest of the universe that are opening up as the development of AI and the Internet point the way to new understandings.
Is it time, yet again, to reinvent myself?
Why should I bother?
Summing up ...
In future posts, I'll talk about the what, the how and the what if of reinventing myself.
If I were to sum up the 'Why', I'd say it's because the universe is dynamic, its nature is to be always evolving, in cycles of varying lengths. I, and you and everyone else, are all integral parts of something much larger than ourselves.
And embedded in that shared universe, struggling to unfold, are qualities such as kindness and compassion. They need our energy, our commitment. We all matter.
Therefore, prepare to take up the challenge in your own unique voice. Reinvent yourself now. You are worth it and we all need each other.
Almost done…
We just sent you an email. Please click the link in the email to confirm your subscription!


text:
Like men, women have a certain type of guy that they'll date and some they won't. But at the very least you expect them to pick someone to have a pulse and be, you know… real! But some women prefer to spice up their sex life with the dead. No, we're not talking about necrophilia, but rather something more unusual called spectrophilia. Yeah, that's right. Some women find ghosts sexually attractive. So here are some kinky experiences that some women claim to have had with an actual ghost.
Sian Jameson's man is unlike other guys in that his idea of a good time involves a mixture of body fluids and ectoplasm.
His name is Robert, and according to Sian, he's handsome, has beautiful hazel eyes, and liked stroking her body while he pressed down on her. Unfortunately, he was a typical guy, ghost or otherwise. After a couple of good bangs, he earned his wings and allegedly went to heaven, leaving Sian heartbroken and empty.
But they say that once you've had a ghost in you, you never want to go back.
So Sian claims that she's had a relationship with another ghost after Robert, but that didn't last either. Since then, it's been over two years since she's had a ghost haunt her vajayjay.
We're sure that after reading this article, some women might get tempted to take out their Ouija Board and start communing with ghosts.
In fact, with these women so desperately looking for love and attention, it's possible that Ouija sales will skyrocket. But if you've seen horror flicks like "Ouija" and Ouija 2″, you'll know why you'll want to keep the number of an exorcist on your phone's contact list.
A spiritual guidance consultant from Bristol by the name of Amethyst has sworn off living men forever.
In fact, after getting a taste of what it's like to screw a ghost, she told her fiancé to take a hike. But if you thought she felt guilty about sleeping with another guy, even if it was a ghost, guess again. She claimed the whole experience felt so natural that she has no regrets.
So how do you attract a ghost onto your bed? Well, according to Amethyst, you do it the same way as you would a living guy.
So she went to bed wearing a sexy negligee and just lay there in darkness until she felt the pressure as if someone was lying on top of her. But it wasn't a crushing feeling, but rather a soft and lighter pressure. Yeah, that's probably because ghosts aren't corporeal.
Everyone deserves to find love again, especially after a divorce. Just ask Ann Elizabeth, who had just about given up on love.
She describes men as being the absolute worst, but apparently ghost men are so much nicer and hotter too. Apparently the ghost of her dreams was like a hunk from one of those steamy, and romance paperback novels.
Ann Elizabeth's one night stand was certainly one for the books… or psychiatric notes.
All she did was close her eyes and imagine a hot ghost, and then one appeared. But she kept her eyes closed the entire time because she thought the ghost would get scared and run away if she looked at him. After he deposited his spectral nectar, she asked him to leave and he was gentlemen enough to oblige.
You may not have learned this by watching "Ghostbusters" or "Ghost," but some women are in tune with the spirit realm.
A woman by the name of Joy happens to be one of those lucky ladies who can commune with the dead. But not only did she have sex with them, but apparently, she also had a real relationship with a ghost guy. She claims that it was very pleasurable too.
The first time that Laura Hale experienced intercourse with a ghost, she didn't really know it was happening to her.
The 23-year-old woman from Louisiana was suffering from persistent sleep paralysis, which she believes was her body reacting to a ghost who regularly visited her for sex. But unlike some of the other women's encounters, it was definitely not what you'd call pleasurable.
You could say that Laura's experiences were violating in nature, as in rape.
She claims that the encounters creeper her out and she felt sick to her stomach, but that based on the way her body was responding, she was definitely experiencing something sexual at the hands of a ghost, and she was powerless to stop it.
In 2010, an anonymous author on the site, "Your Ghost Stories" wrote about her sexual experiences with the afterlife.
Before she knew it, she was like a saloon that was open for business as multiple ghosts would visit her in the middle of the night and arouse her sexually until she orgasmed. At first, it occurred to her while she was asleep, but after several weeks, she woke up in mid-session and was aware of the presence of a ghost.
Apparently, not all ghosts look human like Patrick Swayze or Bruce Willis, but the anonymous author didn't mind it.
She described the ghostly apparition as some sort of greenish lizard-like dinosaur creature who was neither mean or scary. In fact, she claims that all it wanted to do was turn her on and play with her sexually, which they ended up doing. Apparently, it also wanted to transfer some sort of sexual energy into her… typical.
One New Hampshire widow was living in a trailer park with her daughter when a ghost started getting fresh with her.
She didn't know what was going on at first, but when she woke up half asleep, she realized she was half lying on her stomach and her hips were moving back and forth. She could also feel the weight against her, even though there was no one in the room with her. So if you're ever in New Hampshire and see a trailer rocking in the middle of the night, don't bother knocking.
Melissa's a Manhattan bartender living in a condo in New Jersey, who didn't need to find a ghost to have a good time.
It had found her one night after she had gotten home after work. After laying in bed, she noticed the room had gotten darker as something heavy got on top of her. Then she felt all warm and tingly down there, while the ghost kissed her neck. Soon her heart began to race and her breathing got deeper until she, and apparently the ghost orgasmed.
Source : www.stuntastic.com


text:
Exclusive Suite of world class features to help you in your talent hunt. Make your company sparkle to job seekers More Info
Boost your Company's image with a great looking careers page. Reduce company's hiring time drastically. More Info
Get the perfect resume from the pile without sweating. No more juggling between folders and documents More Info
Powerful dashboards, and reporting at your disposal. Scrutinize, analyze and finalize the applicants speedily More Info


text: In our latest Facebook poll, in honour of World Poetry Day, you voted Spanish writer Federico García Lorca as your favourite poet. In second place was William Shakespeare and in joint third, Walt Whitman and Polish Nobel prize winner, Wisława Szymborska. Whilst at university, the drama society I was part of put on one of […]Read More


text:
Colleagues from A.F. Blakemore Logistics Hastings have fundraised more than £4,000 for a hospice in St Leonards-on-Sea by tackling a 16-mile walk.
On 11th March, 19 Blakemore Logistics employees completed a sponsored 'Pier to Pier' walk from Eastbourne to Hastings to raise money for St Michael's Hospice.
Employees from the depot in Hastings set off on a foggy Saturday morning from Eastbourne pier and walked 16 miles to the pier at Hastings.
The journey took around five hours and the team raised £2,069. After receiving employee match funding worth £2,004 from A.F. Blakemore's charitable trust, the Blakemore Foundation, the grand total raised for St Michael's Hospice was £4,073.
The money raised will go towards helping St Michael's Hospice provide palliative care for those with life limiting illnesses. The hospice provides help and support for families and also offers support after bereavement as well as many other services.
Logistics Administration Supervisor Jolene Witcomb said: "Despite the bad start in the morning the weather brightened up by midday and gave everyone a boost.
"Some of us suffered blisters and all of us ached afterwards, but we are all very proud of ourselves and glad we did it for such a worthy cause.
"A special thank you goes out to all of the people that sponsored us and helped to smash our fundraising target."
A.F. Blakemore Community Affairs Officer Kate Senter commented: "I would like to congratulate the team for raising such an incredible amount for St Michael's Hospice. It is great to be able to support this fundraising challenge with employee match funding from the Blakemore Foundation."


text:
Leah Bohle
Project Officer / Manager
Public Health & Development Specialist
Organisational Entity
Leah Bohle is a medical doctor and social anthropologist working in the field of international health. At Swiss TPH she works as a project manager and project officer, providing technical advice, and carrying out consultancies, evaluations and implementation research. Key interests include women's, children's and adolescents' health and well-being. In addition she teaches maternal and child health classes and qualitative research methods at postgraduate and graduate level at Swiss TPH and acts as a supervisor for students. She has worked extensively in Tanzania and India, as well as in Central Africa (Rwanda), Southern Africa (Malawi, Zimbabwe, South Africa), Eastern Africa (Ethiopia, Comores), Asia (Nepal, Thailand), Eastern Europe (Kosovo, Moldova), Egypt and Tajikistan.
Current mandates
- July 2019 - present: Project Team Member, Social Scientist;, Operational Research. Tools for Integrated Management of Childhood Illness (TIMCI) project, funded by Unitaid and led by PATH, introducing novel clinical decision support algorithms (CDSAs) with pulse oximetries at primary health care level for children 0-59 months in Senegal, Tanzania, Kenya, India and Myanmar.
- Ongoing: Teaching and supervision of students. Topics: Maternal, Newborn and Child Health (MNCH); Qualitative methods including MaxQDA softwareProfessional activities at Swiss TPH
Past mandates (selection)
- December 2018 - August 2019: Project Manager, Team Member; Assessment of the Adolescent and Youth Constituency (AYC) at the Partnership for Maternal, Newborn and Child Health (PMNCH) hosted at the World Health Organization (WHO)
- September 2018 - October 2019: Coordinator; Competence centre for epidemiological outbreaks in Switzerland 2017-2020; Coordination of Listeriosis investigation in Switzerland, Federal Office for Health (BAG - Bundesamt für Gesundheit)
- January 2018 - December 2018: Project Manager; Review of UNAIDS ACT!2030; UNAIDS, IPPF, PACT. Project management including the coordination of 12 national youth consultants, country case studies and desk studies in 12 countries, survey and eRoundtable. April - June 2019: Consultant, Team member;Organization of a panel at Women Deliver 2019 Conference entitled "Mind the Gaps? Close the Gaps! A discussion on how to reach the most vulnerable and marginalized adolescents and youth globally" in collaboration with Medicus Mundi Switzerland (MMS) and the University of Glasgow (UoG) on behalf of the Swiss Agency for Development and Cooperation (SDC); Co-convener: IPPF, PMNCH, HRP/WHO, Batonga Foundation, Love Matters India, The PACT; https://www.youtube.com/watch?v=p_sW9CxO9RU
- October 2018 - September 2017-March 2018: Consultant, Team member; Qualitative study related to the the use an non-use of the interpreter service among midwives in Basel Kanton; Responsible for qualitative data collection (Team Leader: Prof. Dr. Elisabeth Zemp-Stutz); Federal Office for Health (BAG - Bundesamt für Gesundheit)
- August 2017 - February 2018: Consultant, Lead; Medical Education Reform Project; Evaluation of the Postgraduate University Speciality Training (PUST) for Family Medicine Doctors in Tajikistan,
Swiss Agency for Development and Cooperation (SDC)
- May 2017 - December 2017: Consultant, Evaluation of Familystart, Switzerland. Evaluation team member; focus on postpartum health care provided by midwives in Basel Kanton; Responsible for qualitative data collection (Team Leader: Prof. Dr. Elisabeth Zemp-Stutz)
- December 2016 - present: Project Manager, International Confederation of Midwives (ICM), Development of a Global Midwifery Accreditation Programme (MEAP), global. Project management; Technical support: Development of global midwifery accreditation programme criteria with interdisciplinary team including an abbreviated Delphi method with international midwifery experts through an online platform; Two country case studies
- December 2014 - present: Project Manager, Geigy Foundation, Geigy Jubilee Project Award "Connecting the Dots", Democratic Republic of the Congo (DRC). Project management; Technical lead in development of a three months teaching course focusing on operations research for the Great Lakes Region
Higher education and qualifications
- 2017: Dr. med., Thesis: 'The Social Impact of HIV-Seropositivity and Antiretroviral Treament on Women in Tanga, Tanzania. A Qualitative Study'; Department of Medical Microbiology, University Medical Center, Göttingen University and Institute of Social and Cultural Anthropology, University FU Berlin, Germany (Defense: November 2017)
- 2003-2011: M.A. & Pre-Diploma in Social Anthropology; Institute for Social and Cultural Anthropology, Göttingen University, Germany
- 2002-2010: Medical Doctor (MD), University Medical Center, Göttingen University, Germany
Past professional activities
- July 2013-to date: Project Officer/Manager at the Swiss Centre for International Health, Swiss Tropical and Public Health Institute, Basel, Switzerland
- July 2017-Oct 2017: Visiting Medical Doctor, Department for Gynaecology and Obstetrics, University Hospital Basel, Basel, Switzerland
- 2011-2013: Scientific collaborator, Centre for Modern Indian Studies (CeMIS) and Institute for Social and Cultural Anthropology, Göttingen University; research focusing on maternal mortality in Ladakh, India; supervision of BA-theses and teaching interdisciplinary Global Health and Medical Anthropology classes
- 2010-2011: Lecturer, School for Medical Technicians, University Medical Center, Göttingen University
- 2007-2008: Principal investigator for a research project focusing on the social impacts of antiretroviral treatment on HIV-seropositive women in Tanga, Tanzania
Selected ProjectsAll Projects
My Projects


text:
Some great one liners from Romney at last nights Alred E. Smith dinner:Of course we're down to the final months of the president's term, as presidents......as President Obama surveys the Waldorf banquet room with everyone in white tie and refinery, you have to wonder what he's thinking. So little time, so much to redistribute.And don't be surprised if the president mentions this evening the monthly jobs report where there was a slight improvement in the numbers. He knows how to seize the moment, this president. And already has a compelling new campaign slogan, "You're better off now than you were four weeks ago."You know, with or without all the dignitaries that are here, the Al Smith dinner surely lives up to its billing. Usually when I get invited to gatherings like this, it's just to be the designated driver.Your kind hospitality here tonight gives me a chance to convey my deep and long held respect for the Catholic church. I have special admiration for the Apostle St. Peter, to whom it is said, "Upon this rock, I will build my church."The story is all the more inspiring when you consider that he had so many skeptics and scoffers at the time who were heard to say, "If you've got a church, you didn't build that."Of course only 19 days to go until the finish line, a campaign full of surprises. The debates are very exciting. Just the other night we had a very fun debate. Candy Crowley was there, and was happy to welcome us, but people seem to be very curious just as to how we prepare for the debates. Let me tell you what I do. First, refrain from alcohol for 65 years before the debate.Second, find the biggest available straw man and then just mercilessly attack it.Big Bird didn't even see it coming.And by the way in -- in the spirit of Sesame Street, the president's remarks tonight are brought to you but the letter 'O' and the number $16 trillion.Campaigns can be grueling, exhausting. President Obama and are each very lucky to have one person who is always in our corner, someone who we can lean on, and someone who is a comforting presence. Without whom, we wouldn't be able to go another day. I have my beautiful wife Ann, he has Bill Clinton.We got a big dose of the Biden charm last week, I tell you that, in his debate with Paul Ryan. I'm not sure that all that carrying on had quite the effect that Joe intended. Because afterwards I heard from the Federal Election Commission, from now on whenever he appears on TV there's a recording of me afterwards that says, "I'm Mitt Romney, and I approved this message." Of course rules of fairness have to be enforced, because what other safeguard do we have, besides the press?And......now I never suggest that the -- that the press is biased. I recognize that they have their job to do, and I have my job to do. My job is to lay out a positive vision for the future of the country, and their job is to make sure no one else finds out about it.Let's just say that some in the media have a certain way of -- of looking at things. When suddenly I -- I pulled ahead in some of the major polls, what was the headline? "Polls Show Obama Leading from Behind." And I've already seen early reports from tonight's dinner, headline; "Obama Embraced by Catholics. Romney Dines with Rich People."Of course the president has put his own stamp on relations with the church. There have been some awkward moments. Like when the president pulled Pope Benedict aside to share some advice on how to deal with his critics. He said, "Look Holy Father, whatever the problem is, just blame it on Pope John Paul II." Of course the president has found a way to take the sting out of the Obamacare mandates for the church. From now on, they're going to be in Latin.
Folders |
Best Of |
Favorites & Replies |
Settings |
Start a New Board |
My Fool |
Help |


text:
It's election day in America! That means you can soon expect (some of) the uproar to die down, the political ads to (mostly) disappear, and the talking heads on television to (sometimes) find a few new topics of conversation.
There's nothing wrong with being excited about these things. But there's another reason to be excited about election day in America, and that's the opportunity to make your voice heard.
The right to vote is one of the most important rights granted to Americans. It represents the most direct way for you to influence your government, express your opinions, and fight for your beliefs. Even more importantly, civic engagement—and particularly civic engagement through voting—forms the bedrock of American government. Without educated, engaged citizens, our republic can't function.
Filling in those little bubbles on your ballot or pulling the lever may not feel like much in the moment. It may even feel like an annoying chore. The issues are often complicated and messy, casting an informed vote takes time, and that vote may be just one of millions. But it matters. In particular, some state races can be decided by surprisingly small margins in which every vote literally counts. Even in larger races or ballot questions, a few thousand people sitting out the election can make all the difference.
If you still don't think your vote matters, consider this: What if 92 million other people felt the same way? Because they do.
Regardless of the impacts of a single vote, the simple act of researching issues, forming opinions, and translating those opinions into action is critical part of being a parent, a leader, and an American. Like practicing for a sport, this kind of civic engagement trains your mind to think about the policy issues that matter most to you. It also helps you exercise the muscles that allow you to stand up and participate in your government as a proud citizen—not a subject—of a free, self-governed nation.
Think about it: You have been empowered to advocate for yourself, for your community, and for your nation in a way that many millions in other parts of the world cannot. An awful lot of folks have put an awful lot of blood into ensuring you have that right. Isn't exercising it worth a little time out of your day?
If you have not already, get out there and vote. Whichever candidates you support, wherever you fall on the issues, GO VOTE. You can use this tool to look up your closest polling place. See you at the polls!


text:
President Obama's Moneygall connection
Madam, – My name is Donncha Corrigan and I am a co-writer of the song There's no one as Irish as Barack Obama. Following our return from Washington last Friday I was surprised to read Fintan O'Toole's ugly article in Saturday's Irish Times.
I wonder if Mr O'Toole was present in DC to see us walk the streets with the African American community and witness the welcome and thanks that they gave us. I think not. I wish to tell him what our song says about the Irish!
Throughout this campaign African American organisations have requested this song. Harlem for Obama, Detroit for Obama and Obama's campaign team among a host of other organisations used this song consistently in their campaigns and were in regular contact with the band. We received numerous invites to play inauguration events in many states, primarily from African American people.
For our CD launch several African American democrats flew to Ireland to meet us in Moneygall to thank us and flew back that evening. We did numerous radio phone-ins in Detroit throughout the campaign as well.
Mr O' Toole is sitting up there on one very high horse but he will come tumbling down one day and nobody will go to pick him up. In fact there is a good chance that many other horses will trample over him.
My brother Gerard was the guest of Pacifica Radio in New York last Saturday evening for 45 minutes. Every caller was an African American and every caller thanked us for our song and our willingness to travel over for all of the events we participated in with energy, enthusiasm and warmth.
We donated all of our fees for all of our events and all of our expenses to charity in the US, as did all of our party of 11. That is what our song and our band and Moneygall says about the Irish.
I can assure Mr O'Toole that he will apologise for his venomous article. He insulted the Irish, the African Americans and Mr Obama's campaign. – Yours, etc,


text: Jerryd 0 #1 Posted October 15, 2014 There's been a lot of good discussion about the newest hiking dinghy's, such as the Aero and the Zero. Both seem like great boats. But, what's the problem with the Raider? It's been around a lot longer and seems to have had some good ideas. Is it too heavy, underpowered, too much drag? I wonder if with some changes it could be made competitive with these new boats? Being local for us here in the U.S., it would be another great option! Share this post Link to post Share on other sites


text:
Employee share investment plan - shares finally sold
In several of my previous posts I outlined that many companies offer employee share plans to their staff and how it can be a way to make free money. I also had a post in which I said that there were several strategies one could take when it came to selling the shares when they were allocated to you. At the time I had said that I would sell these as soon as they were allocated to me.
In fact I let them run for ~4 months and got a very good return out of doing this (~35%). Where I did get shafted though was on the exchange rate which cost me hundreds of dollars more than it should have. I will do a post on avoiding these exchange rate fees soon.
Annual bonus hit the account - I had already mentally pre-spent the amount so benefit is only passing
In my 2012 financial goals at the start of the year I said that one of my goals was to buy a sports car when I was young and carefree enough to throw away a bit of money. I realised that this would not help me financially however not all things in life can be driven by finance.
Although my bonus was in line with what I expected, I had mentally catered for too much tax so on an after tax basis I actually got more than I expected. In addition I have picked the model / year of car that I want and this was cheaper than I had originally budgeted for too.
I am therefore using the excess as my spending money for my overseas holiday. In my October 2012 net worth post I mentioned that I would need to start putting away money for this but it turns out that I wont have to.
Until I actually spend the money it will appear in my net worth but this is only transitory and will not count in the long run.
Tax return is finally done and MUCH better than expected
I will cover this more thoroughly in my next net worth post however I could not believe the amount I got back on tax (~$20,000) - it turns out that I really did pay too much tax over the year This amount I will save and it is going to increase my net worth over the long run.
I have STILL not started my business
I confess between my last post and this one that I have still not got around to starting my business. Several things (and life) have gotten in the way. It is still one of my goals however I do not have a time frame on it because at the moment I cannot find a decent amount of time to dedicate to it. If this actually gets off the ground in the next few months I will be pleasantly surprised.
You May Also Be Interested In:
Profiting from your employee share plan
What to do when your employee share plan vests
Real time small business experiment - all posts
My 2012 financial goals
October 2012 net worth


text:
Also, the FHA allows sellers to give assistance to borrowers with closing costs and other fees. These fall into a category known as seller concessions. The FHA .
Google Mortgage Comparison Google Gunning for Banks' Mortgage Business – The Financial Brand – In early 2015, Google rolled out a mortgage comparison tool within its organic search engine. Now, the internet monolith is going a step further,
Seller concessions are a commonly asked-about topic related to FHA home loans. FHA loan rules permit a seller (or a "third party") to contribute up to six percent of the sales price or appraised value of the property toward closing costs, discount points or "other financing concessions" according to the FHA official site.
Summary: This article explains the 2015 limits for FHA seller concessions or contributions toward a buyer's closing costs.It was updated and fact-checked at the time of publication, using hud handbook 4155.1, Chapter 2, Section A. FHA loans are one of the most.
Contrast that with Fannie Mae or Freddie mac conventional financing, where seller concessions generally are limited to 3 percent. For many buyers, the extra negotiating flexibility built into the FHA.
Fha Vs Fannie Mae FHA vs. Homepath – What are the major differences find answers to this and many other questions on Trulia Voices, a community for you to find and share local information. Get answers, and share your insights and experience.
Lenders were given some hope Thursday that the Federal Housing Administration may come down on the side of flexibility when it issues a final rule regarding seller concessions. To mortgage bankers'.
fha vs va loan FHA vs Conventional Loans: Which Mortgage is Better for You? – · Qualifying for an FHA Loan. FHA loans have looser requirements than most other loans. Following are the standard FHA guidelines:. A VA loan can be a good way for an active duty member of the military or a veteran to buy a home for no money down. The role closing costs play.. "FHA vs Conventional Loans".
The CalHFA FHA program is an FHA-insured loan featuring a.. Concessions/ contributions as per FHA.. or seller must be disclosed and.
Interest Rate For Fha Loans FHA Loans: Everything You Need to Know | The Truth About. – What Is an FHA Loan? "FHA loans" are mortgages insured by the Federal Housing Administration (FHA), which can be issued by any FHA-approved lender in the United States. Congress established the FHA in 1934 to help lower income borrowers obtain a mortgage who.
Contrast that with using Fannie Mae or Freddie Mac conventional financing, where seller concessions generally are limited to 3 percent. For many buyers, the extra negotiating flexibility built into.
The Mortgage Bankers Association (MBA) today released its Weekly Mortgage Applications Survey for the week ending October 1, 2010. The MBA's loan application survey covers over 50% of all U.S.
Additionally, Reverse Fortunes' Shannon Hicks also discusses a recent NRMLA push to allow for for seller concessions in FHA reverse mortgage for purchase transactions. hicks also points to recent.
The seller can improve his or her position by offering to contribute a percentage of the sales price towards the buyer's closing costs, discount points or other FHA loan costs. If the buyer agrees to the contribution, it can potentially reduce the amount of money the borrower has to pay up front if there's a difference in the fair market value.


text:
Original Sauna Experience
- Saunas
- laukaa, Sauna, yourlocalhost
- Original Sauna Experience
Original Sauna Experience
Perhaps the best way to feel what it's like to be Finnish is to sit in the peace and quiet of a low-lit sauna. Finns enjoy a sauna whether it's freezing cold outside in winter or a burning hot summer's day: Works every time! Why wouldn't you want to try it? Almost every Finn has a sauna where he or she goes 1-3 times a week; with the kids and even with babies! Sauna has strong roots in Finnish tradition, and it's a great honour to be invited to a Finnish sauna.
On our tour, you'll have the chance to experience an authentic Finnish home sauna with Your Local Host. You are warmly welcome to our home sauna to learn more about the Finnish family way of enjoying sauna. Our sauna is located in Laukaa, close to the city of Jyväskylä in central Finland. The Finnish sauna tradition includes time spent cooling off; in other words the enjoyment of the sauna is prolonged by spending a few moments outside in the open air. After enjoying some nice "löyly" moments in the sauna, let's take some time to relax on our patio with some cool soft drinks and typical sauna snacks.
Take some time out for yourself and experience a Finnish home sauna as our guest. On your stay you might also meet other family relatives or our wonderful neigbours.
Duration: 3-4h
Group size: max 8 persons
Gear needed: swim suits
Language: English or finnish
Please notify: We offer separate changing rooms for men and women but as the sauna, shower facilities and other public areas are mixed, we respectfully request that swimming costumes are worn at all times.
Booking: Pre-booking
Availability: All year round
Location: Laukaa
130e / person
2-4 persons in the group
98e/ person
5-8 persons in the group
Price includes: VAT, soft drinks, snacks, towels, seat liner and Finnish bath products.
Follow Us