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Mortgage rates today, June 24, 2020, plus lock recommendations
Forecast plus what's driving mortgage rates today
Average mortgage rates just inched higher yesterday. So they remain within the very narrow (and extraordinarily low) range we've seen since last Tuesday. And today's rate for a 30-year, fixed-rate conventional loan is starting as low as 3.31% (3.31% APR)
Some of mortgage rates' recent inertia is likely down to the Federal Reserve holding them low. But some is also down to markets struggling to find direction. On the one hand, most economic reports have been positive this month. On the other, there's a pile of potential downsides to fear.Find and lock current rates. (Oct 27th, 2020)
|Conventional 30 yr Fixed
|Conventional 15 yr Fixed
|Conventional 5 yr ARM
|30 year fixed FHA
|15 year fixed FHA
|5 year ARM FHA
|30 year fixed VA
|15 year fixed VA
|5 year ARM VA
|Your rate might be different. Click here for a personalized rate quote. See our rate assumptions here.
• COVID-19 mortgage updates: Mortgage lenders are changing rates and rules due to COVID-19. To see the latest on how coronavirus could impact your home loan, click here.
In this article (Skip to…)
- Market data affecting today's rates
- Important notes on today's mortgage rates
- Rate lock advice
- What economists expect for mortgage rates
- Mortgages tougher to get due to COVID-19
- Economic worries
- Markets seem untethered from reality
- Economic reports this week
- Rate lock recommendation breakdown
- Closing help
- Mortgage Rates FAQ
Market data affecting (or not) today's mortgage rates
Are mortgage rates again aligning more closely with the markets they traditionally follow? It's too soon to be sure. But, if you're ready to take your cue from them, things are looking neutral for mortgage rates today. Here's the state of play this morning at about 9:50 a.m. (ET). The data, compared with roughly the same time yesterday morning, were:
- The yield on 10-year Treasurys inched down to 0.71% from 0.72%. (Good for mortgage rates.) More than any other market, mortgage rates normally tend to follow these particular Treasury bond yields, though less so recently
- Major stock indexes were lower. (Good for mortgage rates.) When investors are buying shares they're often selling bonds, which pushes prices of those down and increases yields and mortgage rates. The opposite happens when indexes are lower
- Oil prices edged lower to $39.95 a barrel from $40.46 (Neutral for mortgage rates* because energy prices play a large role in creating inflation and also point to future economic activity.)
- Gold prices nudged up to $1,781 an ounce from $1,779. (Neutral for mortgage rates*.) In general, it's better for rates when gold rises, and worse when gold falls. Gold tends to rise when investors worry about the economy. And worried investors tend to push rates lower.
- CNN Business Fear & Greed index inched lower to 52 from 53 out of a possible 100 points. (Good for mortgage rates.) "Greedy" investors push bond prices down (and interest rates up) as they leave the bond market and move into stocks, while "fearful" investors do the opposite. So lower readings are better than higher ones
*A change of a few dollars on gold prices or a matter of cents on oil ones is a fraction of 1%. So we only count meaningful differences as good or bad for mortgage rates.
Important notes on today's mortgage rates
Naturally, few buying or refinancing will actually qualify for the lowest rates you'll see bandied around in some media and lender ads. Those are typically available only to people with stellar credit scores, big down payments and robust finances (so-called top-tier borrowers). And, even then, the state in which you're buying can affect your rate.
Still, prior to locking, everyone buying or refinancing stands to lose when rates rise or gain when they fall.
When movements are very small, many lenders don't bother changing their rate cards. Instead, you might find you have to pay a little more or less on closing in compensation.
Overall, we still think it possible that the Federal Reserve's going to drive rates even lower over time. However, there was a lot going on here, even before the green shoots of economic recovery began to emerge. There's even more now. And, as we've recently seen, the Fed can only influence some of the forces that affect mortgage rates some of the time. So nothing is assured.
Read "For once, the Fed DOES affect mortgage rates. Here's why" to explore the essential details of that organization's current, temporary role in the mortgage market.
Rate lock advice
My recommendation reflects the success so far of the Fed's actions. I personally suggest:
- LOCK if closing in 7 days
- LOCK if closing in 15 days
- FLOAT if closing in 30 days
- FLOAT if closing in 45 days
- FLOAT if closing in 60 days
But it's entirely your decision.
The Fed might end up pushing down rates even further over the coming weeks, though that's far from certain. (Read on for specialist economists' forecasts.) And you can expect bad patches when they rise.
As importantly, the coronavirus has created massive uncertainty — and disruption that seems capable of defying in the short term all human efforts, including perhaps the Fed's. So locking or floating is a gamble either way.
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What economists expect for mortgage rates
So far this month, economic reports may have changed a lot of economists' expectations. Pretty much everyone was shocked by the latest, much better-than-expected employment and retail sales figures. But many were sobered by the Federal Reserve's worrying forecasts for economic growth and employment on June 10.
It's too soon to say that those have transformed the economic landscape. But read the following with the knowledge that at least one of the forecasts cited was made well before any of those events.
Looking good … to most
On May 21, Realtor.com® Chief Economist Danielle Hale predicted low mortgage rates for the foreseeable future. Of course, it's unlikely she meant there would be a continuing straight line that only went downward. Some rises along the way are pretty much inevitable.
"We expect mortgage rates to stay low and possibly slip lower," Hale said on Realtor.com. "We'll flirt with the 3% threshold for a while before we go below it."
And she's already been proved right. But, of course, not all experts share Hale's rosy view, at least over the medium term. Indeed, her own publication, Realtor.com, said recently that it thought rates could soon rise above their then-current sub-3% level.
See the table below for forecasts from Fannie Mae, Freddie Mac and the Mortgage Bankers Association (MBA).
Mortgage rates forecasts for 2020
The only function of economic forecasting is to make astrology look respectable. — John Kenneth Galbraith, Harvard economist
Galbraith made a telling point about economists' forecasts. But there's nothing wrong with taking them into account, appropriately seasoned with a pinch of salt. After all, who else are we going to ask when making financial plans?
Fannie Mae, Freddie Mac and the MBA each has a team of economists dedicated to monitoring and forecasting what will happen to the economy, the housing sector and mortgage rates.
The numbers
And here are their latest forecasts for the average rate for a 30-year, fixed-rate mortgage during each quarter (Q1, Q2 …) in 2020. All (including Freddie's, which is now a quarterly report) were published last week.
|Fannie Mae
|Freddie Mac
So, suddenly, Fannie Mae's optimism is the outlier. And nobody's expecting a quarterly average below the 3.0% mark this year.
What should you conclude from all this? That nobody's sure about much but that wild optimism about the direction of mortgage rates might be misplaced.
Further ahead
The gap between forecasts is real and widens the further ahead forecasters look. So Fannie's now expecting that rate to average 2.9% throughout next year, while Freddie's anticipating 3.2%. And the MBA thinks it will be back up to 3.5% for the last half of 2021. Indeed, the MBA reckons it will average 3.7% during 2022. You pays yer money …
Still, all these forecasts show significantly lower rates this year and next than in 2019, when that particular one averaged 3.94%, according to Freddie Mac's archives.
And never forget that last year had the fourth-lowest mortgage rates since records began. Better yet, this year may well deliver an all-time annual low.
Mortgages tougher to get
The mortgage market is currently very messy. And some lenders are offering appreciably lower rates than others.
Worse, many have been putting restrictions on their loans. So you might have found it harder to find a cash-out refinance, a loan for an investment property, a jumbo loan — or any mortgage at all if your credit score is damaged.
All this makes it even more important than usual that you shop widely for your mortgage and compare quotes from multiple lenders.
That credit tightening in figures
The Mortgage Lender Sentiment Survey, published by Fannie Mae on June 11, suggested that problem continues. Its survey of lenders found, "the net share of lenders reporting easing credit standards for both the prior three months and the next three months significantly decreased, reaching survey lows."
In the MBA's May Mortgage Credit Availability Index (MCAI) report, published June 9, the index fell less sharply than in April: by 3.1%. However, it's important to recognize that any fall represents a tightening in the credit standards lenders use. So things may not be getting worse as quickly as they were but they're still getting a little worse.
However, some see some light in this gloom. When two weeks ago National Mortgage Professional magazine hosted an expert panel discussion about mortgages for those with "credit issues in the past such as foreclosures, bankruptcy, late payments or other isolated credit issues," there were knowledgeable participants who expected a resurgence in activity soon.
Economic worries
Mortgage rates traditionally improve (move lower) the worse the economic outlook. So where the economy is now and where it might go are relevant to rate watchers. And, in spite of those recent, better-than-expected reports, there's unfortunately plenty of potentially bad news that could have a negative effect on the US and global economies.
COVID-19 still a threat
Some states are still seeing worrying increases in COVID-19 infections and deaths. Indeed, last Friday saw the highest daily number of new infections in America in seven weeks. And, this morning, The Washington Post reported:
New coronavirus cases continued to rise in many parts of the United States, as seven states — Arizona, Arkansas, California, North Carolina, South Carolina, Tennessee and Texas — reported record-high numbers of hospitalizations since the pandemic began. Thirty-three states and U.S. territories reported a higher rolling average than last week.
This is all part of the first wave of the pandemic. But, of course, the specter of a possible second wave later in the year remains.
Non-pandemic news
Meanwhile, in other news, Monday saw a brief blip in markets when White House trade adviser Peter Navarro told Fox News that the trade deal with China was "over." President Donald Trump quickly stepped in with a tweet: "The China trade deal is fully intact. Hopefully they will continue to live up to the terms of the agreement!"
But, while Navarro's slip may have been an error, it remains revealing. As we've been reporting over the last few days, relations between Washington DC and Beijing have recently been especially strained. And, last week, the US fell out with European countries over the taxing of American companies there. Inevitably, those raise the possibility of a new trade war, perhaps on two fronts.
As worryingly, an actual war could be brewing on the border between India and China. Those (both nuclear powers) are the world's two biggest countries by population and rank second and fifth by gross domestic product (GDP).
Domestic threat
Most important recent economic data have been looking good. For example, the latest employment and retail sales numbers were way better than most economists expected. But you need to see them in their wider context.
First, they follow disastrous lows. You expect record gains after record losses. And, secondly, the pandemic is far from over, with some states still recording frightening numbers of new cases and deaths.
So, while good news is more than welcome, it can mask the devastation wreaked on the economy by COVID-19.
Some concerns that remain valid include:
- We're currently officially in recession
- Unemployment is expected to remain elevated for the foreseeable future — And last Thursday's new weekly jobless claims were actually worse than anticipated
- On June 17, the Federal Reserve Bank of Atlanta's GDPNow™ running resource put its real GDP growth forecast for the current quarter at -45.5% (yes, that a minus)
- On June 1, the Congressional Budget Office reduced its expectations of US growth over the period between 2020 and 2030. Compared with its forecast in January, the CBO now expects America to miss out on $7.9 trillion in growth over that decade
Not only are we not yet out of the woods, but we may still have no clue where their boundaries are located.
What shape will a recession take?
Economists are squabbling about the shape (if you pictured it on a graph) the recession might take.
For a while, a V-shaped one (sharp dip and sharp recovery) was favorite. And it still is for some. Indeed, they may well be preening themselves following the latest employment and retail sales reports.
But other shapes are available. So some think a W more likely, especially if there's a second wave of coronavirus infections following the early ending of lockdowns. A "Nike swoosh" (based on that company's famous logo) is gaining popularity. That's a sharp drop followed by a gradual recovery.
But on May 29, The New York Times urged everyone to "Forget swooshes and Vs. The economy's future is a question mark." By which it meant, quit squabbling because nobody has a clue.
Markets seem untethered from reality — or not?
We've recently been accusing markets (or the investors who make them up) of being untethered from reality. And we've been quoting a May 15 headline in The New Yorker: "Have the Record Number of Investors in the Stock Market Lost Their Minds?"
On June 16, controversial, Nobel-prizewinning, Princeton economist Paul Krugman wrote this for The New York Times:
What are these investors thinking? I don't think they are thinking — not really. The conventions of financial reporting more or less require that articles about market action ascribe rationality to investors, so stock movements are attributed to optimism about economic recovery, or something. But the reality is that we're largely talking about young men, many with a background in sports betting, who have started buying stocks and are bullish because they've made money so far.
On June 14, CNN Business reported that just one online brokerage, TD Ameritrade, had opened 608,000 new accounts during the first quarter of this year. That was more than double the number in the previous quarter. Some, such as Krugman, see this as a response to lockdown, with inexperienced and unknowledgeable amateur investors piling into a high-risk environment.
Economic reports this week
Perhaps owing to that surge in inexperienced investors, markets have in recent months been shrugging off unwelcome economic reports and reacting only to those that contain positive information. That may well continue this week.
In more normal times, Friday would be the most important day for news. It's then that May's figures emerge for personal income, consumer spending and core inflation. It also brings the final reading of the consumer sentiment index for this month.
Forecasts matter
More normally, any economic report can move markets, as long as it contains news that's shockingly good or devastatingly bad — providing that news is unexpected.
That's because markets tend to price in analysts' consensus forecasts (below, we use those reported by MarketWatch) in advance of the publication of reports. So it's usually the difference between the actual reported numbers and the forecast that has the greatest effect.
And that means even an extreme difference between actuals for the previous reporting period and this one can have little immediate impact, providing that difference is expected and has been factored in ahead.
This week's calendar
This week's calendar of important, domestic economic reports comprises:
- Monday: May Existing home sales (annualized actual 3.91 million homes sold; forecast 3.80 million)
- Tuesday: May's new home sales (annualized actual 676,000 new homes sold; forecast 650,000)
- Wednesday: April home price index from the Federal Housing Finance Agency (actual +5.5% year-over-year change; no forecast). Plus International Monetary Fund (IMF) economic forecasts either later today or tomorrow (no forecast)
- Thursday: Weekly jobless claims to June 20 (forecast 1.38 million new claims). Third and final reading of gross domestic product for the first quarter (forecast -5.0%, as previously)
- Friday: May report for personal income (forecast -7.0%), consumer spending (forecast +9.9%) and core inflation (forecast +0.1%). Plus June's revised consumer sentiment index (forecast 79.3)
If markets follow recent form, they'll cherry pick the good news in these reports and ignore the bad.
Rate lock recommendation
The basis for my suggestion
I suggest that you lock if you're less than 15 days from closing. But we're looking at a personal judgment on a risk assessment here: Do the dangers outweigh the possible rewards?
At the moment, the Fed mostly seems on top of things (though recent rises have highlighted the limits of its power). And I think it likely it will remain so, at least over the medium term.
But that doesn't mean there won't be upsets along the way. It's perfectly possible that we'll see periods of rises in mortgage rates, not all of which will be manageable by the Fed.
That's why I'm suggesting a 15-day cutoff. In my view, that optimizes your chances of riding any rises while taking advantage of falls. But it really is just a personal view.
Only you can decide
And, of course, financially conservative borrowers might want to lock immediately, almost regardless of when they're due to close. After all, current mortgage rates are at near-record lows and a great deal is assured.
On the other hand, risk-takers might prefer to bide their time and take a chance on future falls. But only you can decide on the level of risk with which you're personally comfortable.
If you are still floating, do remain vigilant right up until you lock. Make sure your lender is ready to act as soon as you push the button. And continue to watch mortgage rates closely.
When to lock anyway
You may wish to lock your loan anyway if you are buying a home and have a higher debt-to-income ratio than most. Indeed, you should be more inclined to lock because any rises in rates could kill your mortgage approval. If you're refinancing, that's less critical and you may be able to gamble and float.
If your closing is weeks or months away, the decision to lock or float becomes complicated. Obviously, if you know rates are rising, you want to lock in as soon as possible. However, the longer your lock, the higher your upfront costs. On the flip side, if a higher rate would wipe out your mortgage approval, you'll probably want to lock in even if it costs more.
If you're still floating, stay in close contact with your lender.
Closing help
Up until today, we've been providing information in this daily article about the extra help borrowers can get during the pandemic as they head toward closing.
You can still access all that information and more in a new, stand-alone article:
How to close on a mortgage during the COVID-19 pandemic
What causes rates to rise and fall?
In normal times (so not now), mortgage interest rates depend a great deal on the expectations of investors. Good economic news tends to be bad for interest rates because an active economy raises concerns about inflation. Inflation causes fixed-income investments like bonds to lose value, and that causes their yields (another way of saying interest rates) to increase.
For example, suppose that two years ago, you bought a $1,000 bond paying 5% interest ($50) each year. (This is called its "coupon rate" or "par rate" because you paid $1,000 for a $1,000 bond, and because its interest rate equals the rate stated on the bond — in this case, 5%).
- Your interest rate: $50 annual interest / $1,000 = 5.0%
When rates fall
That's a pretty good rate today, so lots of investors want to buy it from you. You can sell your $1,000 bond for $1,200. The buyer gets the same $50 a year in interest that you were getting. It's still 5% of the $1,000 coupon. However, because he paid more for the bond, his return is lower.
- Your buyer's interest rate: $50 annual interest / $1,200 = 4.2%
The buyer gets an interest rate, or yield, of only 4.2%. And that's why, when demand for bonds increases and bond prices go up, interest rates go down.
When rates rise
However, when the economy heats up, the potential for inflation makes bonds less appealing. With fewer people wanting to buy bonds, their prices decrease, and then interest rates go up.
Imagine that you have your $1,000 bond, but you can't sell it for $1,000 because unemployment has dropped and stock prices are soaring. You end up getting $700. The buyer gets the same $50 a year in interest, but the yield looks like this:
- $50 annual interest / $700 = 7.1%
The buyer's interest rate is now slightly more than 7%. Interest rates and yields are not mysterious. You calculate them with simple math.
Mortgage rates FAQ
Average mortgage rates today are as low as 2.75% (2.75% APR) for a 30-year, fixed-rate conventional loan. Of course, your own interest rate will likely be higher or lower depending on factors like your down payment, credit score, loan type, and more.
Mortgage rates have been extremely volatile lately, due to the effect of COVID-19 on the U.S. economy. Rates took a dive recently as the Fed announced low-interest rates across the board for the next two years. But rates could easily go back up if there's another big surge of mortgage applications or if the economy starts to strengthen again.
Mortgage rate methodology
The Mortgage Reports receives rates based on selected criteria from multiple lending partners each day. We arrive at an average rate and APR for each loan type to display in our chart. Because we average an array of rates, it gives you a better idea of what you might find in the marketplace. Furthermore, we average rates for the same loan types. For example, FHA fixed with FHA fixed. The end result is a good snapshot of daily rates and how they change over time.Verify your new rate (Oct 27th, 2020)


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Drugs Sorry About Killing Your Dogs
posted by August 7 at 12:52 PMon
Here at Slog, your all-drug-raids-all-the-time headquarters, we get your tips. And we love your tips. Even when they exacerbate our pot-induced paranoia.
Today, we follow up on two panic-inducing emails about the mayor of Berwyn Heights, a D.C. burb, whose house was raided by a SWAT team last week. Officers burst through the door, forced the mayor to kneel in the corner, bound his mother-in-law in the kitchen, and shot his two black labs. Cops were there over a box of pot that was shipped to the mayor's home, addressed to his wife. We posted about it last week over here, but new details emerge.
The pot was delivered by a police officer dressed as a FedEx delivery man. The sheriff for the county, Prince George's County, had applied for a warrant to search the house, but, as it turns out, the judge who granted the warrant hadnt permitted a no-knock, guns-drawn, battering-ram entry. But after Mayor Cheye Calvo brought the package inside, a fleet of officers burst through the door with guns drawn anyway. As everyone knows, the only way to tame a pothead is not with milkshakes, but with weaponry. And, as everyone knows, the only way to handle two grinning black labs is not by petting them and tossing them a squirrel, but BLAM! BLAM!
Neighbors hung a We Support You banner on the couples fence after the mayor and his wife claimed that they werent drug dealersand it appears they were telling the truth. The Washington Post reports this morning that police arrested a delivery man and another man, both of whom they say are involved in a scheme to smuggle marijuana by shipping packages addressed to unsuspecting recipients." This should all be very embarrassing for the Prince George's Sheriff's Office, right?
Unbelievably, no.
Sheriff Michael A. Jackson won't apologize for the raid, which he said was "conducted responsibly," and Police Chief Melvin C. High (what a name) told the Washington Post his department still hadnt cleared the couple of charges. He reportedly said, From all the indications at the moment, they had an unlikely involvement, but we don't want to draw that definite conclusion at the moment. Jeezy Creezy on Cheezit, man, what else do you need?
Theres more. The mayor just asked for an investigation by the Department of Justice, which marks the second time in as many days that drug raids are becoming a federal issue. So while Slog may seem overwrought with crazy-ass drug-raid shit, the issue is suddenly getting huge. Well smoke to that.

subset: commoncrawl


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Rating: NR | Runtime: 4 minutes | Release Date: 2015 (Canada)
Studio: National Film Board of Canada
Director(s): Caroline Monnet
One piece of a quartet entitled Souvenir—an anthology by Indigenous artists in Canada addressing Aboriginal identity and representation—ITWE Collective member Caroline Monnet's Mobilize proves an invigorating sort of time lapse look at the propulsion of life from hand-made disciplines in nature to the steel behemoths of modern cities set to Tanya Tagaq's "Uja". Composed entirely of outtakes from the National Film Board of Canada's archives of over 700 films, the staccato sounds resemble breathe heaving forward sharp and focused as snowshoes are strung before being used to walk in the woods for lumber which is cut and bent for canoes that bring humanity to civilization. It's almost a music video playing on the tempo with an evolution of Aboriginals from forest to pavement.
The cuts are extremely fast to work in tandem with the song's beats and the innocuous is mixed with the exciting in the process. For every quick glimpse of axes chopping into tree trunks comes wonderfully composed footage of a canoe driver moving towards us with camera positioned at the foot of his craft. Scenes of steel workers moving girders cross against a fashionable woman walking below—a city sprung from the snow and swamplands that come previously. It's a story of two halves everyone can relate to and a look at Canada through the eyes of a filmmaker twice removed from the visuals' original intent. The idea of the Souvenir project is a captivating one and Monnet's quarter a nicely conceived curio of socially charged nostalgia.
courtesy of TIFF


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Tomorrow morning the Census Bureau releases income, poverty, and health insurance statistics for 2010, based on the 2011 Current Population Survey (fielded in March). For all you demographic trend trackers, tomorrow is the equivalent of Christmas. For details about how to tune in to the 10:00 a.m. live online presentation, click here. The Census Bureau expects "substantial interest in these findings," so log in early.
The single most important number to be revealed tomorrow is median household income. My guess is that the median will be little changed from the $49,777 of 2009 (which was 5 percent below the median of 2000, after adjusting for inflation). Behind the stability is the structure of the population, with lots of older Americans on fixed incomes (remember when a "fixed income" was a bad thing?) and lots of boomers in their peak-earning years. The drama is likely to be in median income by age among householders under age 55.
Visit this page tomorrow for the results.


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About Her
Overview… a painter in the midst of a struggling marriage to a jealous doctor named Ralph. Marian spends her time sitting by her spacious home's vista of the LA Basin, painting nude portraits. While not painting, she and her husband seek solace in drink (particularly tequila). Ralph doesn't take kindly to Marian's pretentious art-speak. She says that her paintings of nude women are "about seeing, and the responsibility that comes with that." Such talk reminds him of another artist with whom he suspects she's had a bit of a fling.
Personality… intellectual, soft-spoken, and sophisticated. Marian knows that her husband feels threatened by her airy, arty milieu, so she does her best to keep the abstract discussion to a minimum. In between her own marital fights she councils her sister through an abusive relationship of her own.
Marian Wyman's popularity ranking on CharacTour is #5051 out of 5,600+ characters. See our top-ranked characters and read their profiles.
Take CharacTour's quiz to get recommendations for thousands of characters, movies, TV shows, books, and games that are high matches for YOUR unique personality.


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COVID-19 hasn't had much direct effect on the world of malware, but it may be why ransomware scams are getting scarily efficient. So says Microsoft in its latest "Digital Defense Report." The report is based on Microsoft's experiences through its ... built-in and standalone security measures on consumer and business devices and networks. It covers the year from July 2019 though June 2020. (Source: microsoft.com ) Microsoft suggests COVID-19 itself hasn't made much difference to most forms of malware. That's something of a surprise given more people are working from home and thus sending ... (view more)
Fitness tracking company Strava is to share four billion pieces of user data. Unlike previous glitches, it's a deliberate action designed to help urban planners. The news came to light as Strava sent an email to customers to remind them that its ... user agreement gives it the right to share and sell user data as long as it is in completely anonymized form. Users can opt out, but their data is collected by default. The company is bundling the data, which includes details of walks and cycle rides, as a commercial product called Metro. The idea is that buyers such as urban planners and cycling ... (view more)
Google has added an optional setting for its Maps tool showing the levels of reported COVID-19 infections in an area. However, users need to check exactly what area the data covers. For now the feature is only available on mobile apps rather than ... the desktop website version. It's also rolling out slowly, and may not be available immediately. Once available, the feature is accessible by tapping the layers button in the top-right corner of the screen. That's the button with an icon similar to a diamond with a v-shape underneath. This will then show the map in marked areas. Each area will have a ... (view more)
Microsoft is releasing a new "buy it once" version of Office. It's a surprise follow-up to Office 2019 and is an alternative to the ongoing subscription of Office 365. Right now very little is known about the new product as it's only come to light ... through a single line in a blog post that's otherwise about business tools Microsoft Exchange. That line reads: "Microsoft Office will also see a new perpetual release for both Windows and Mac, in the second half of 2021." (Source: microsoft.com ) A perpetual release is another way of saying that users only have to pay once to purchase the software ... (view more)
A man who was part of a hacking gang that stole medical records and tried to blackmail an accounting company has been sentenced to five years in prison. Nathan Wyatt was a member of a group calling themselves The Dark Overlord. British-born Wyatt ... had previously been extradited to the United States. He was charged with conspiracy against the US, threatening damage to a protected computer, and aggravated identify theft. Originally Wyatt pleaded not guilty. He later changed his plea to guilty on the conspiracy charge and received a five year prison sentence and ordered to pay $1,467,048 in ... (view more)
A judge has blocked a Department of Commerce ban on a Chinese messaging app. The judge said there wasn't enough specific evidence against the app to override free speech complaints. The department introduced the ban on WeChat (along with video app ... TikTok) following an executive order from the President. The ban meant it was illegal for app stores to distribute or update the apps in the US. The ban also outlawed US use of WeChat's mobile payment facility, which is hugely popular with American citizens of Asian descent. One estimate puts the number of US users at 19 million. In both cases, the ... (view more)
Google is doubling the top speed of its Fiber broadband service to 2Gbps, though it will cost $100 a month. It also says the speed will be available through its 'wireless' service for businesses. The original idea for Google Fiber - at least ... according to the company - was to use its buying power and technology to offer an alternative high-speed service in areas which either had no serious broadband available or were served only by a single company that exploited its monopoly. The problem is that while the service itself has had good reviews, Google doesn't offer it in many places. Only a ... (view more)
LG has released a dual-screen Android cellphone with a difference. Rather than fold out like a book, one of the screens swivels round to create a T-shape. The big question now is whether the LG Wing really will prove genuinely useful and solve ... existing problems or if it's just a gimmick in search of a benefit. In its default position, the phone looks just like a normal modern smartphone with a full screen display on the front and a blank cover (except for the phone lenses) on the back, the main difference being it's much thicker than most handsets. Two Screens Can Work Together Or Alone That' ... (view more)
The way Chromebook's are updated is changing to boost security in older machines. The new changes mean that updates are separate from the Chrome operating system and the Chrome browser itself. The fact that the Chrome browsers is so closely ... entangled with Chrome OS is one of the key selling points of Chromebooks. Most applications and functions run in a similar way to how a user would experience them while running the Chrome browser on a Windows PC. In turn, the learning curve for Windows users switching to a Chromebook is very shallow an intuitive if they are already familiar with the Chrome ... (view more)
Android devices will are getting some key security changes. The tweaks to the permissions system are meant to reduce the need to weigh up security against convenience. The changes will come in Android 11, which begins rolling out to handsets this ... month. Because its an open source system, the new version of the operating system will take longer to get to some brands than others, and older phones and tablets won't ever get it. The main changes are to Android's permission system, which allows users to theoretically control parts of the device's software and hardware an app can access or control ... (view more)
Microsoft will block Adobe Flash in its web browsers from the end of the year. It's the last major browser developer to drop the technology. While Adobe Flash was once the primary tool used for multimedia content on websites, it earned a poor ... reputation for security. It wasn't just that it had numerous security holes, but that when those holes were exploited, hackers were often able to access a computer's memory and gain a worrying level of control just by using a web browser. Steve Jobs a Noted Flash Hater Apple was arguably the first company to crack down on Adobe Flash content with Steve ... (view more)
More than one in four computers are running an unsupported version of Windows according to the latest monthly estimates. Around one in 80 machines are still running Windows XP, which was first released 19 years ago. The stats, spotted by TechRadar, ... come from Net Market Share. That's a company which provides statistics and analysis to websites. As part of this work, it's able to track the operating systems of sites that visit its clients sites. (Source: techradar.com ) Net Market Share believes it has data from enough sites to make reliable estimates for the Internet as a whole. If anything, ... (view more)
Apple and Google have added a way to notify users about potential COVID-19 infections without them having to install an app. The Bluetooth-based system is coming to iOS and Android but will be opt-in only. Both companies have already built ... technologies that use Bluetooth to anonymously track which handsets have been in close proximity of a user who reports either symptoms or a positive test. However, until now the technologies have only been used through official government or health authority apps. Now the mobile operating systems are getting a built-in tool called Exposure Notifications ... (view more)
Microsoft is testing a fix for a bug that could theoretically shorten the lifespan of some hard drives. The bug means Windows 10 was mistakenly running the defrag tool more frequently than designed. Defragging has long been available as a way to ... make hard drives run more efficiently. It deals with the problem that when a computer deletes a file, it leaves empty physical space behind on the drive. The next time it writes a new file it will look for the first available suitable sized space. Over time this can lead to wasted gaps on the physical drive. In turn, this means traditional hard drives ... (view more)
Microsoft is reportedly planning to only have one major update to Windows 10 next year. It could be a permanent switch and appears inspired by requests to have Microsoft spend more time testing updates before releasing it to the public. The idea ... with Windows 10, sometimes dubbed 'Software as a Service', was to ditch the old model of releasing a totally new version of Windows every few years. Instead, Microsoft has based updates around a mix of security updates (either monthly or as needed for the most serious problems), monthly tweaks and fixes, and then two major updates each year. New ... (view more)
Internal Google documents show the company's own staff believe its privacy settings are confusing. The documents became public in a court case about unexpected location tracking. The state of Arizona is suing Google after an investigation into ... claims it was storing location data about mobile users even though they had turned off the Location History setting . The problem is that Google actually tracked location in multiple ways - each with their own settings. For example, there's a difference between Location History (a user feature that lets you check back through Google Maps to see where ... (view more)
The new record for fastest Internet connection is quick enough to download everything on Netflix in under a second. It's safe to say the average home user won't see such speeds, but the techniques used to achieve the speeds could benefit everyone. ... The transfer was done over a fiber-optic cable between computers 25 miles apart. It reached a peak speed of 178 terabits per second. That's around 20 percent faster than the previous record and five times the speed of the fastest connections currently in regular use, namely cables running between machines in data centers. University College London, ... (view more)
Windows 8.1 users should make sure to install an emergency patch just released by Microsoft. The company rates the risk as critical based more on the potential consequences than the risk of exploitation. The bug is patched with a security update ... that has the reference KB4578013. It affects all versions of Windows 8.1 along with Windows Server 2012. The bug doesn't affect Windows 10. In theory it could affect Windows 7 and earlier, but Microsoft no longer patches those systems as they are no longer supported. (Source: microsoft.com ) The fix comes in an "out of band security update", commonly ... (view more)
Google is experimenting with a way to make Chrome use less power when a laptop battery is starting to run out. But it will rely on website owners to make it happen. The test is of a "Battery-Savings Meta Tag" which can be added to a website's code ... and will include battery saving recommendations specific to that site. These would then kick in whenever the computer is at a particular battery level. The idea is to avoid having Chrome itself simply take blanket measures that might not be appropriate for all websites. Video Frame Rate Lowered One of the examples Google gives is for a tag to say ... (view more)
Do you need Tech Support?
I can help! Send me a message on the bottom left of the screen (using the Zopim Chat button), or click my picture to read more about how I can fix your computer over the Internet. Optionally you can read all about my credentials, here.
I can help! Send me a message on the bottom left of the screen (using the Zopim Chat button), or click my picture to read more about how I can fix your computer over the Internet. Optionally you can read all about my credentials, here.
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May 12, 2010
By John and Lisa Sappia, serving in Paraguay
Juana came to Christ more than a year ago. She had wanted to be baptized ever since, but due to family opposition, she did not feel she could take that step until recently. Just two months ago, Juana invited her entire family to watch as she was baptized at Mi Esperanza Church. It was great to hear her testimony and to see the tears flow freely as she came out of the water. What an amazing day!
Please pray for Juana as she has recently traveled to Buenos Aires to be with her son and daughter who live there. Pray for her recovery from the surgeries that she will have while in Argentina and also that she will continue to grow in her relationship with Christ. She asked specifically for prayer that she would be able to share the love of Jesus with her children.
Learn More
Check out Alliance work in Paraguay.
What You Can Do
Gifts to Alliance Great Commission Ministries ensure that our workers are able to continue making disciples of people like Juana in Paraguay and around the world.


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|Home News Conferences Commodities Publications Business Directory Resources Help
|Sponsored by:
MEI Online: Commodities: Metallic Ores: Copper: Latest News: October 3rd 2008
:: Outotec to Deliver Concentrator Technology Worth over 175 Million Euro for the Miheevsky Project in Russia
Outotec has signed a major contract with ZAO Miheevsky GOK, a subsidiary of Russian Copper Company, for the design and delivery of a new copper concentrator plant for the Miheevsky porphyry-copper project located in Chelyabinsk, Russia. The contract value exceeds EUR 175 million. Russian Copper Company will implement the construction of the Miheevsky mine based on project financing.
Outotec's scope of delivery covers engineering for the whole concentrator plant, supply of major process equipment in six delivery packages, spare parts and training as well as site supervision services for installation and start-up. The concentrator equipment will include among others two large semi-autogenous (SAG) grinding mills each with a diameter of 36 feet, and twelve world's largest TankCell® 300 flotation machines. The equipment deliveries will take place during 2010 and 2011.
The Miheevsky concentrator plant is planned to treat annually 20 million tons of copper ore and it is expected to be commissioned in early 2012.
"Outotec has been a long-term strategic partner for Russian Copper Company, which is the third largest copper producer in Russia. We have designed and delivered their two concentrators at Aktobe in Kazakhstan. Our cooperation continues now with this notable project in Russia, where Russian Copper Company already operates two smaller concentrator plants, three metallurgical plants and a solvent extraction and electrowinning plant. Equipment for these plants was delivered mainly by Outotec. In addition to this new Miheevsky concentrator, we are also currently delivering for the same project a solvent extraction and electrowinning plant to treat a layer of oxide ore", says Tapani Järvinen, President and CEO of Outotec.
© 1998-2017, Minerals Engineering International
Email: email@example.com


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In the interest of public health, the 4th Annual Beyond the Page Luncheon has been postponed in response to the COVID-19 pandemic. We apologize for the disruption; however, our guests' safety and well-being are our highest priorities. The event has been rescheduled for on Friday, November 20, 2020, at the beautiful Hilton Americas hotel in downtown Houston. More updates to come.
Celebrate the exceptional women and men who made history through the ratification of the 19th Amendment at the 4th Annual Beyond the Page Luncheon on
Thursday, April 23, 2020, Friday, November 20, 2020, at the beautiful Hilton Americas hotel in downtown Houston.
The keynote speaker for this special 100th Suffrage Anniversary is the exceptionally witty and entertaining Karen Karbo. Her award-winning novels, memoirs, and works of nonfiction are full of authenticity and courage.
All table sponsorships include copies of Karen Karbo's new release, "Yeah. No. Not Happening," a humorous feminist manifesto about learning how to own and appreciate our flaws.
Included with your sponsorship is the opportunity to honor a significant woman within your company or organization who has been the trailblazer, glass ceiling breaker, or inspiration for others. Honor her at your table and with a shout out in the program.
Beyond the Page is the annual fundraising luncheon in support of the Houston Public Library Foundation whose mission is to unite partners who value lifelong learning. Library programs enhance social inclusion, active citizenship, and personal development. Advancing personal skills improve self-sustainability as well as competitiveness and employability. The exceptional programs offered through the Houston Public Library remain free to the public because of your philanthropy.
Please contact email@example.com for sponsorship and ticket information.


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Tropical storms may be lurking nearby, but a little rain never got in the way of family fun. One of our go-to rainy-day activities is visiting Hawai'i Children's Discovery Center, the interactive museum/play place that keeps kids entertained for hours. But what brought us there on a recent sunny morning was their brand-new Rainforest Adventure exhibit.
The exhibit's goal is environmental education, and in true Discovery Center fashion, it's done with tons of hands-on fun.
Two words: Water table. That's what your kids will head straight for, to send boats, animals, and other toys floating down the "river," complete with an observation window to pop up through. The centerpiece of the exhibit demonstrates the Amazon River water cycle, and provides a great excuse for splashing fun. The Center even provides plastic smocks to keep the kiddos dry. (From moms everywhere: thank you.)
My daughter's fave was the treetop observation deck, created to mimic how scientists actually study the rainforests, but let's face it, the kids are psyched just to climb into a tree house. Other features include rainforest puzzles, games and an interactive art activity using colorful bottle caps, all of which were collected from Hawaii beaches, noted a staffer.
I was pleasantly surprised that half of the exhibit is for ages 3 and under only. My 4-year-old was bummed she couldn't go in, but only for about two seconds before she skipped off to another cool discovery. My 2-year-old son and the other tots happily toddled around the colorful jungle, filled with soft climbing areas, a crawling tunnel, a puppet show and dress-up center, and plenty of animal toys and games. There was even a rainforest-themed infant mobile gym, which I thought was a cute and thoughtful touch for parents with babies in tow.
There's even more to it than we actually had time to discover. My kids were excited to move on to the rest of the Center, which they know and love. But I know we'll be back again, rain or shine.
Hawai'i Children's Discovery Center, 111 Ohe St. General admission is $10 or $8 for kama'āina and military. Kids under 1 are free. For more info call 524-5437 or visit www.discoverycenterhawaii.org.


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GraphicRiver Grunge Backgrounds 4888597
1-07-2013, 19:57 | PSD Templates » GraphicRiver
GraphicRiver Grunge Backgrounds 4888597
JPG Image | 4000x2500 px | 70.2 Mb
The package contains 6 different grunge backgrounds which can be useful in web and print design or as photo overlay textures in photography. You can use this package in your own design, in web and print design, backgrounds, textures, posters, flyers, cards, booklets, brochures, artworks, blogs, any kind of presentations & promotions, screensaver, wallpapers.
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This document contains official content from the BMC Software Knowledge Base. It is automatically updated when the knowledge article is modified.
BladeLogic Server Automation Suite
BladeLogic Application Server
BMC BladeLogic Server Automation Suite 8.9
After upgrading to BMC Server Automation 8.9 the following error is encountered from NSH Script Jobs which use the BLCLI performance commands:
Command execution failed. com.bladelogic.om.infra.app.remote.BlRemoteException: com.bladelogic.om.infra.session.client.SessionCredentialExpiredException: Your session credential has expired, please login again.
Defect QM002164489 with the BLCLI Server component of the Appserver added in 8.9
This issue has been identified as BSA Defect QM002164489 with the BLCLI Server component of the Appserver added in 8.9. It relates to old, expired sessions being used by jobs. The issue is addressed in BSA 8.9 Hotfix 1 which was released in Dec 2016. See details on 8.9 HF1 here:
Or you can directly download the hotfix from the below link: ftp://ftp.bmc.com/pub/BSAHotfixes/89/Hotfix/Hotfix1/
The workaround in 8.9 GA is to disable the BLCLI Server Service which was added in 8.9 to return to the functionality which existed in previous versions. To do so, run the following blasadmin command on each BSA Application Server host and then restart the BSA Application Server Service:
blasadmin -a set app enableblcliserver false
Article Number:
Article Type:


text: This is 100% fact, I cook NOTHING for the holidays. But on a more serious note, I have a lot to be thankful for this year. Turning 30. A brand new nephew. A (most of the time) happy marriage (don't judge, marriage is fricken hard). And a healthy family. Oh, and eyes so that I can read 3204832 books a year.


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Please fill out the details below to Enquire
The Galleria Residence is city living at its finest, offering luxury apartments for rent in the cultural heart of Dubai. Featuring 370 residences overlooking the visually stunning sea and city, The Galleria is part of a complex comprising of the hotel Hyatt Regency Dubai. Situated along the Deira Corniche, Dubai's renowned waterfront promenade, these apartments in Dubai are located at a premium location. It has a close knit community atmosphere which makes its residents 'feel at home.'The residences at The Galleria are well furnished and complemented by warm colors and textures. A characteristic feature of each residence is that it offers panoramic views of the sea view and bustling Deira district. Epitomizing residential comfort, all accommodations feature amenities to make all residents feel comfortable and 'at home.'These fully furnished residences are available for both short-and long-term leasing options and a choice of studio, one to five bedroom apartments or penthouses is available. The size of the residences varies from 333 sq ft (31 sq m) to 376 sq ft (35 sq m) for a studio, and for a penthouse from 1678 sq ft (156 sq m) to 3426 sq ft (318 sq m). Ideal for businessmen and families, the residences feature spacious and comfortable living and dining areas, fully fitted kitchens, spacious bedrooms and bathrooms. All residences feature dishwasher, washer-dryer, two telephone lines, high speed internet access, voicemail and satellite television. Facilities include 24-hour security, maintenance, reception and bell service.Services for the residences include laundry and dry cleaning, babysitting, children's playground, barbecue area, a helipad, a private car park and an exclusive lounge for residents with recreational facilities, a private rooftop swimming pool on the 30th floor and a sundeck.Upon arrival residents are provided with a complimentary starter pack containing groceries, fresh flowers and a selection of toiletries.


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What is a safe amount to drink?
There is no known safe level of alcohol exposure during pregnancy.
There is no safe time, there is no safe amount, and there is no safe type of alcohol. Alcohol can harm a developing fetus at any point during a pregnancy, even before the pregnancy is confirmed. As 50% of Australian women experience an unplanned pregnancy, many are prenatally exposed to alcohol before the family becomes aware of the pregnancy. If you could be pregnant, or are planning a pregnancy, health professionals advise that abstinence from alcohol is safest. If you choose to drink alcohol, effective contraception is important to prevent unintentional prenatal alcohol exposure. Alcohol use during pregnancy can increase the risk of miscarriage, stillbirth, preterm (early) birth, and SIDS, and can also result in FASD, which is a lifelong disability.
The National Health and Medical Research Council advises that "maternal alcohol consumption can harm the developing fetus or breastfeeding baby.
A. For women who are pregnant or planning a pregnancy, not drinking is the safest option.
B. For women who are breastfeeding, not drinking is the safest option."
Healthy pregnancies are not the sole responsibility of women. A fathers' alcohol consumption impacts the health of his developing baby, and partners play a strong role in supporting alcohol-free pregnancy. Ceasing alcohol use together has been proven to be the most effective way to ensure a healthy pregnancy.
Follow this link to download The Australian Guidelines to Reduce Health Risks from Drinking Alcohol.
Useful apps:
The Daybreak app by Hello Sunday Morning helps people change their relationship with alcohol.
Chat with health coaches and access a supportive community with their free app.
Mind the Bump is a free Mindfulness Meditation App to help individuals and couples support their mental and emotional wellbeing in preparation for having a baby.
Where alcohol exposure has occurred, lowering stress levels reduces the likelihood of negative outcomes for the baby.
Useful links:
The latest research-backed information on the healthiest options for you, your partner, and your baby– from Telethon Kids Institute
Questions & Answers about Alcohol Use & Pregnancy
True and False FASD Fast Facts
It's not just Mums who need to avoid alcohol when trying for a baby
What men can do – alcohol, pregnancy and prevention of FASD
Alcohol & Breastfeeding – A Guide for Mothers from the Australian Breastfeeding Asociation
Busting the myths on alcohol and breastfeeding
Feed Safe – alcohol & breastfeeding app free download
Hello Sunday Morning – helpful resources for changing your drinking behaviour
Some ideas for saying no to alcohol when you are pregnant, planning or could become pregnant.
Some women may not want to disclose they are pregnant just yet. Remember, you do not have to justify or explain why you choose not to consume alcohol. However, in social settings you may choose to say:
No, thank you, I'm not drinking tonight.
No, thank you, but a juice would be wonderful.
No, thank you. I have to drive.
I have a big day/ early meeting tomorrow so no thanks.
I'm not feeling the best so would rather not, thanks.
If people already know you're pregnant ask those closest to you to give you support and in these
No thanks!
I'd rather have juice, thanks.
No thanks, I'm being kind to my baby!
No thanks, when I drink alcohol so does my baby!
No thanks, not while I'm pregnant!
No thanks, my baby's too young to drink alcohol!
No thanks, I'm celebrating being pregnant!
Check out some great alcohol-free beverage ideas here:
Finding help for alcohol and other drug difficulties
These websites provide information on the support services available in your state:
Information, Support & Treatment Services
Alcohol & Other Drug Treatment Services
Community Alcohol & Drug Services
Alcohol & Other Drug Services
Alcohol & Other Drug Treatment:
Aboriginal People
North West


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Designer Jewellery, as they say, adds an extra charm to the beauty of a woman. Ever since, the time of Adam and Eve, accessorising self, was always one thing, a woman learned about first *wink*. From the ancient times, adorning a beautiful neckpiece made by sea corals and shells, pearls and gems, beads and handcrafted stones, was quite an approach to beauty. So now, whether you are a teen or a beautiful young girl or mature woman, gifting you jewellery is what makes you happy the most, has been figured out by all the Yang community.
Woman, have always loved looking the best of them, putting on a nice outfit and complementing with an extremely beautiful ornament to enhance their entire look. Fashion jewellery is becoming a bold, hip to the trend and style statement for a woman, who rules the world of fashion. Be it a wedding, a family gathering, a business meet, or any such event, a quick fix of fashion accessory adds an extra style to the outfit. They not only look elegant but also add the right amount of glam, as well! The best part of fashion jewellery is unlike real jewellery, they come in many style and colours, so it helps in putting a perfect combo by just selecting the right piece.
The demand for stunning designs in fashion jewellery is rising day by day since retro styles are coming back in the light. Twinkling neckpiece and wooden crafted bangles, earrings and bracelets are extremely elegant and termed as long lasting. However, they need attentive eyes to take proper care for their lasting. Ladies, while buying yourself, some great stuff from the jukeboxes of a jewellery shop, make sure; you pay extra attention to the details of the ornaments. If you are purchasing any antique jewellery, the attention should be even more to it. We are sure, you had never wanted to pay for something, which never lasted for long and became quite useless to adorn it on yourself later.


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BAUNAT has an extensive collection of bracelets, to ensure everyone can find a bracelet that suits them to a T. A yellow gold bracelet is classic and timeless, whilst a red gold one is an original and contemporary alternative. A white gold tennis bracelet with diamonds is a perfect combination of subtlety and glamour, an can be worn to all kinds of occasions. In short: the perfect jewel.
Also be sure to check out the hidden gems from our design collections. If you cannot find what you are looking for, we also offer you the opportunity to create a tailor made jewel. Whether you opt for this approach or a bracelet from our website, your jewel will be handmade using only the highest-quality materials, both with regard to the precious metal and the diamond.


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Proudly serving Saskatchewan
Epoxy & Sealing Solutions
Epoxy flooring has long being tied to industrial use for resurfacing and repairs, epoxies popular on high traffic areas because of their longevity, resistance to wear and ease of maintenance. For the last few years we have seen a marked rise in epoxy use on the residential market; with the decorative concrete industry expanding more and more into interior floors, epoxies are finding their way into homes as a choice sealer for acid stained floors and overlays.
Usually, when we think of epoxies we picture thick gooey stuff that is hard to apply and does not provide much UV resistance, that perception is changing rapidly as new developments in the industry have produced new products to accommodate the growing Decorative Concrete Market. To satisfy the needs of the contractor manufacturers have gone to new technologies to provide a higher performance product, Some of the needs the contractor had was for Water Base products, UV resistance epoxies and Low Viscosity - High Solids Epoxies, this new breed of products has made it possible for the decorative concrete contractor to use expand his arsenal of sealers to satisfy the needs of the project owners.
These advances have contributed to the increase in sales of epoxy industry wide, we see more decorative floors sealed with epoxies as well as flake system used on garages through out the country. What make epoxies so attractive? For starters, if you like a high gloss finish on your floors, epoxy is the way to go, they provide shine and depth to any floor in addition to scratch resistance, to most household chemicals, very good traffic wear and many new products are easier to apply.
As with most systems, epoxies do require planning and preparation, to get a floor ready for epoxy involves cleaning and abrading the surface to ensure proper bonding. Though using epoxies may involve a little more work, the results more than compensate for that.
Concrete sealers...
If you have recently completed a project using concrete, you need to seal the surface to prevent water and other seepage. Additionally, some concrete projects will receive an aesthetic "lift" if resealed properly. Whether it is an exposed aggregate pathway, concrete flooring, or a patio, you will want to consider the benefits of sealing your work.
Concrete sealers protect projects that require the material to be impenetrable, or at least, less penetrable than unsealed concrete. Concrete sealers finish concrete floors. Sealers act to prevent damage from traffic, water and chemical agents. Sealers reduce the porosity of concrete and prevent water and dirt from getting into the concrete. Many people use water based sealers indoors (due to smell), and acrylic sealers outside for the harsher conditions.
Types of Concrete Sealers:
Film Formers. Film formers (Gloss sealers) inhibit the penetration of water and impurities by creating a barrier on the concrete's surface. Since many of these film formers create a luster or shine on the surface, they are often used to enhance colored and designed concrete.
Type of Concrete Sealers: Penetrates. Matte or flat sealer penetrates into the concrete. They get 1 to 4 millimeters into the concrete to increase water repellency. Unlike the film formers, they do not leave a sheen or gloss.
Which Type of Concrete Sealer to Use?
This depends on two factors: What do you want the surface to look like and what type of maintenance are you willing to do? If you want a glossy finish, go with the film formers. If you desire a matte finish, use a penetrate. If you need a slip-free surface, stay away from film formers. To keep maintenance manageable, you will need to choose the correct product. For instance, for sealing a driveway, you need a coating that repels grease and oil and prevents water penetration. To make it easier to care for an interior floor, use a coating that dust-proofs the surface and resists scuffs and staining.
Copyright 2020 - Think Concrete Sask


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While visiting Thassos in Greece, renting a car should not be a problem since Sixt has car rental solutions for you. With an office in the town, it offers an answer to all your rental car needs with its wide range of vehicles for hire. The staff at the car rental in Thassos, Greece are friendly and always happy to assist and help you to get you on your way. You can get a cheap car from the large fleet of cheap cars on offer for each category to satisfy your tastes and needs. Economy class car hire includes vehicles like the Peugeot 107, Peugeot 207 and VW Polo. The minivan car rental in Thassos includes vehicles like the Nissan Primastar, Peugeot expert and Ford Tran. There are also luxury vehicles such as the Mercedes-Benz E class, BMW 523 Mercedes S500, BMW 530and off-road vehicles such as the Nissan Qashqai and Mercedes A160. All the cars are well maintained and in good condition driving condition. People who rent cars have the option of including a personal accident cover and additional liability insurance to remain fully covered for the duration they have the rental car.
Having a car hire in Thassos is advantageous in that one is able to access and enjoy the rich history and archaeological remains of the town with ease. It is a great town with a variety of things to do and sites to see. With a car hire in Thassos, one can drive to some of the city's spectacular attractions. The Archaeological Museum is a spectacular attraction. It has unique findings from 7th century B.C till 7th century A.C. You can also drive to the Monastery of Michael the Archangel with a car hire in Thassos and learn about the life of monks in ancient times. People who have car hire in the town can also drive to the various beaches and enjoy swimming and other watersports. Popular beaches include the Golden Beach, Makriamos beach, Paradise Beach, and the Limenaria beach. With your car rental, you can drive to the towns numerous restaurants that offer high quality Greek cuisine with great service and enjoy the great outdoors. Sixt rent a car is looking forward to being your car rental provider while visiting Thassos, Greece!


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Heavy Rain film adaptation fast tracked
Warner Bros. have fast tracked the film adaptation of cinematic interactive fiction title, Heavy Rain, which despite causing us to boggle so hard our hats fell off, actually exists.
Variety reports that Deadwood and NYPD Blue writer David Milch, currently working on the horse-racing series Luck, will write the adaptation.
The film is being produced by Unique Features, also behind the upcoming Shiver and The Mortal Instrument, and founded by Lord of the Rings producers Bob Shaye and Michael Lynne.
A film of such a film-like game seems a little redundant, but perhaps it'll focus on unexplored aspects of the story. Heavy Rain's game script was 2,000 pages long, so there's plenty of material to work with. Just check out this collection of spoiler-ific deleted scenes.
Thanks, GameFront.


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Additionally, you may send resume to Wildcats Hockey LLC 2283 Cosmos Ct, #A1, Carlsbad, CA 92011.
Feel free to leave to leave your contact information for the hiring manager.
Alert a friend or collegue to this open position
Carlsbad, CA
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Skating and Skills Development Hockey Coach for youth sports club in San Diego county. Requires 4 years of relevant experience and Level III USA Hockey coaching certification.


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Document Type
Conference Proceeding
Publication Date
This paper presents my approach to teaching analytical writing in a first-year composition class using Matt Fraction and David Aja's Hawkeye: My Life as a Weapon, providing practical, constructive advice on how to use comics to improve students' analytical writing skills. Assignment sheet included at end.
Recommended Citation
Lisa Smith. "Beyond Strunk & White: Using Comics to Teach Students to Write Analytically" Comic Arts Conference at Comic-Con International 2017 (2017) Available at: http://works.bepress.com/lisa_smith2/12/


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Elana S.
AFT Graduate
After attending a live event with Niel Malan from Elite Inc., Elana knew she just had to do the Agency FastTrack course. Now, she just can't get enough of using her digital marketing skills to get leads for her clients and she just wants to do it over and over and over…
"A lot of us have a similar story why we joined AFT or decided to go ahead with it.
"We all wanted a major change in our lives and this was it and this was one of those decisions, it's like, I can't take this anymore… I need something to change in my life and this man is now going to change my life.
"I always just go to your stuff in your webinars and whatever just to get the little golden nuggets that you give.
"And when I was at the live event, I was on the way back, I message Brahm and I'm like, dude, I know you're gonna think I'm crazy but I have to do this. You know it's just one of those things where you know you just have to do it; it's the one thing that's going to change your life.
"So anyway, so that's why I entered and I'm pure honoured that you guys accepted me. It has been an absolute wild ride, it was tough, I didn't expect any less though.
"I enjoyed it, I loved it, being pregnant throughout the whole course, I mean I didn't even know I was pregnant at all… I was like just AFT, you know.
"The high for me was like those first leads coming in for your client, I mean there's nothing that beats that rush, you know, I just can't wait to do that over and over and over… it's like you're addicted.
"And the low is obviously not always performing, it's getting the "what did I do wrong now", but having the support, for me that is what makes this course.
"It is the Facebook group, the support that you guys give, the coaches, I don't think you get that in any other online course, not that I know of. And that to me makes this all worthwhile. The fact that you can ask a question, you can phone, you can Zoom, you can push a button and someone is there answering the door. It is absolutely amazing and that's what makes it worth it. Like Candice said we've become a family and I mean the friendships we've made and I think we're probably going to have business opportunities going forward and partnerships and it's really because we are whole, we're a bunch of like-minded people.
"It's just been it's been an amazing journey and I can't wait to actually start my agency and launch and onboard new clients and help other companies grow."


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Welcome to the Friday edition of "5 Things to Know for Your New Day."
Every weekday morning around 6, we'll hit the top five stories of the day, clue you in on a few other buzzy items, and let you know about some of the must-watch stories coming up on CNN's new morning show, "New Day."
Rambling, defiant speech: Ariel Castro claims he's a normal person, not a monster. He says the home where he held three women captive was filled with "harmony" and the sex he had with his hostages was consensual. It was a bizarre explanation he gave at his sentencing hearing before a judge sent him to prison, where he will live until he dies. But Castro was right when he said he is sick, even if he did understate just how much. We also saw the strength of one of his victims. Michelle Knight read a statement, saying "I spent 11 years in hell. Now, your hell is just beginning."
Psychiatrist Gail Saltz joins us at 7 to talk about Castro's mental state.
CNN Exclusive: Dozens of people working for the CIA were on the ground during the attack on U.S. facilities last year that killed four Americans, including Ambassador Christopher Stevens. CNN has learned that the agency is going to great lengths to make sure whatever they were doing remains a secret. For the past seven months, several operatives involved in the agency's missions in Libya have had to take more polygraph examinations than usual, according to a source with inside knowledge of the agency's workings. The goal of the questioning - according to sources – was to find out if anyone is talking to the media or Congress.
Drew Griffin will be with us at 8 with more on the story.
Nonspecific threat: The State Department took the unusual step of ordering all embassies and consulates that were to be open this Sunday to close due to worries about a terrorist attack. There has been a lot of more "chatter" than normal, a State Department official says. But there were no specific threats with a date or place. Officials felt like the closures were the best to do with Ramadan coming to an end and the anniversary of the Benghazi attack five weeks away.
The Department of State has instructed certain U.S. Embassies and Consulates to remain closed or to suspend operations on Sunday, August 4. The Department has been apprised of information that, out of an abundance of caution and care for our employees and others who may be visiting our installations, indicates we should institute these precautionary steps. It is possible we may have additional days of closings as well, depending on our analysis. - Message on U.S. Embassy in Israel website
Rep. Jason Chaffetz will join us at 7 and Rep. Ed Royce will be our guest at 8.
Finally out of the airport: Edward Snowden has a new home and a new job offer. He's now staying with Americans in Moscow after Russia granted him asylum for one year yesterday. And things are looking up for him; a Russian website has offered him a job as a developer. Things are not looking up for relations between Russia and the United States. The White House says it is extremely disappointed in the move but President Obama still plans to meet with Vladimir Putin next week in Washington. Wonder what the first topic of discussion will be.
Phil Black in Moscow will have more about Snowden's whereabouts.
S&P looking A-OK: Good jobs numbers usually mean a good stock market. The S&P 500 crossed a milestone (1,700) barrier and the Dow rose to a record high also yesterday. The rises were tied to the falling number of people filing first-time claims for unemployment. We'll see if this morning's July jobs report has more good news as expected.
What to do now in #stocks with key guages up 19%? REBALANCE. Make sure you have right mix of stocks, bonds, cash.
— Christine Romans (@ChristineRomans) August 1, 2013
Christine will preview the July jobs report and have more financial news all morning.
Those are your five biggies for the day. Here are a couple of others that are brewing and have the Internet buzzing.
–Big numbers for Tsarnaev cover: Shops pulled Rolling Stone from their shelves. Readers threatened to cancel subscriptions. The result? Doubled sales for the magazine bearing the tousle-haired Boston bombing suspect.
Rolling Stone got exactly what they wanted with its controversial cover. The public sure didn't reject it. http://t.co/BtvHXyWW99
— Steven (@beaconspring) August 2, 2013
- Never leave a kid behind: Lance Cpl. Myles Kerr is a nice guy who finished last. But he had a good reason. While he was at home running in a 5K race, Kerr came upon a 9-year-old boy who asked the Marine to run with him because he had lost his friends. Dressed in fatigues and boots, the young Marine obliged, falling back and guiding his new friend to the finish. And in doing so he finished last in his age group but made hundreds of thousands of people online get misty-eyed when they saw a picture of the pair jogging to the finish.
I'm not a hero, I am me. - Myles Kerr on his Facebook page
- OK, OK, take a picture of your dinner: Folks who take photos of everything they eat now have evidence that it's more than just showing off. Harvard and the University of Minnesota researchers say that taking part in a ritual (not only taking pics, any ritual) to use the scientific lingo "potentiates and enhances ensuing consumption." In other words, your coffee will taste better if every time you put the sugar and cream in the same way. No word on whether this can make Brussels sprouts taste good.
Great research by @CarlsonMBA prof Kathleen Vohs. Improving the taste of food with rituals. http://t.co/EDmT7cr5H4
— tedi mason (@tbprill) July 29, 2013
- That's one friendly buck: We're not really sure what this deer is doing, but he seems to really like this kid. Either that or he has some major itch going on. Maybe he had something in his eyes. Whatever the case, we're just wondering how he snuck up on this guy from behind.
- Seriously, a channel for your pooch: Time to ask Buddy to pitch in for the satellite bill. August brought a new channel for dogs - well, stay-at-home dogs, the ad says. DOGTV will cost you five bucks a month on DirecTV and it promises to entertain your pup while you're off at work. Because that's what you want, one more occupant of your house lying around all the time in front of the television.
And since we're on the topic of animals, here's one more video about a man who dances with raccoons. We kid you not. Watch for yourself.
There you go. All you need to know to get an early start to your morning.
Be sure to tune in to "New Day," from 6 to 9 a.m. ET, join us at CNN.com/NewDay and go and have a GREAT NEW DAY
I really like "New Day"...the one think I would like to see "fixed" is when all three (our four) anchors are talking at the same time...they talk over each other at times...it is annoying.
Retailers reported sales of 13,232 copies from July 19-29, which is more than double Rolling Stone's average newsstand sales for the same period in 2012. The magazine, has a circulation of 1,464,943 — with the vast majority coming from subscribers.
Thanks for the updates. I enjoyed glancing at the topics. If I want to know more than the headline I'll just click and read a little deeper.
I believe over all the media does not really care about putting forth the articles about what the media along with the
president calls phony. Truth this has been the worse destruction of our constitution that I have seen in my lifetime. Under this adm. I have no faith in the media that I thought helped to protect the constitution and what the United States of America is. You and msn and others should be sadden for allowing your stories of truth to be shoved under the carpet. Do you want the unique America we have or did or do you just want this president to hand feed you and to obey. No choice. Just robots with no heart for the constitution and why the media is trashing this grand nation is beyond me. What kind of work do you really do?????Get in there and do your jobs with feeling because what your writing appears to be a bunch of whimps.
yea it is a waste of time ...just another distraction page from the people owned and operated by "Change For America" and its parent corporation DCCC (a subdivision of OPEC ) LOL notice how CNN never posts the "revised DOWN!" jobs reports ??? every week for the past 4 years the report is always downgraded but CNN hopes no one will notice...
"what difference does it make" from a secretary of state? future presidential candidate?? if it was four of her friends or family would it still make a difference. the dems want to groom her for a run at the presidency but that remark just shows how the elite/chosen few think of us, the sheep. the Supreme Court has ruled that the "government" does not have to tell the truth (lie) in the interests of national security. basically politicians can bs us all they want, come to think of it they do not need a court ruling to do it. as the saying goes "if a politicians lips are moving he/she is lying"
Thanks cnn staff......great writers


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Art's Cafe Info Session April 21
The Art's Cafe project has taken some significant behind-the-scenes steps forward in the last month and the Arts Center will host a community information session on Saturday, April 21 at 10 a.m.
When Springville Center for the Arts acquired 5 East Main Street, Springville, the roof was collapsed into the basement. Envisioned as an art-focussed multi-use redevelopment, the project includes two second-floor residences for visiting artists, a basement level workshop with pottery capacity, a publicly accessible green roof and Art's Cafe on the first floor. The cafe will have an in-house bakery and will serve coffee and tea drinks, soups and sandwiches. A small performance space will expand the Center's concert and theater programs. Through public investment, the Center was able to save and restore the existing facade, secure the neighboring buildings and rebuild the structure.
A program was set up to involve many smaller, local investors, inspired by the crowdfunding movement and alternative business structures such as co-ops that return money to the community. Historic Tax Credits are also being used.
"This project has always had community ownership. It gets called social entrepreneurship, or mission-based investing, where someone is more focussed on a large community benefit but there is the potential for a small financial return. This is for people who care about Main Street more than Wall Street," says Seth Wochensky, Arts Center Director and Cafe Project Manager. "We'll present information about the financing, plans for accessing historic tax credits and membership in the project but it's also an entertaining presentation for anyone who cares about Main Street or is just curious about the project."
Those interested in attending must RSVP at info.artscafespringville.com or by calling (716) 592-9038. Coffee and sample baked goods will be served. Springville Center for the Arts is located at 37 N Buffalo Street in Springville.
Visual Art Internship
Seven years ago Springville Center for the Arts developed a Children's Theater Internship Program to provide a variety of programs to the community in partnership with Springville Youth Incorporated. This year they are adding a Visual Arts internship, allowing them to offer a greater variety of Art workshops.
"We are so excited to add a Visual Arts intern to our summer programming. Our staff is developing some really interesting workshop offerings, that go beyond your simple "Art Camp" concepts." explains Board President Debbie Ehrig. "Painting, Sculpture, Illustration, Puppetry, these are some of the ideas we are working on. We are looking for input from the community as well. So please reach out with your ideas and suggestions" said Ehrig.
A preliminary listing of Summer workshops are already on the Center's website and Facebook page. They will be continuing to update those lists. Visit SpringvilleArts.org or call (716) 592-9038 for more information.


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On the 24th October the Environment Agency launched their Challenges and Choices consultation. This is the second consultation which will inform updates to the River Basin Management Plans from 2015. It is open until the 24th April 2020.
In this consultation the Environment Agency have described what they think are the biggest challenges affecting the water environment and have outlined ideas on how to address them. They are now asking for your views and what you think should be done. The final plans, due to be published in December 2021, will contain legally binding water environment objectives and a summary of the programmes of measures to guide DEFRA, the Environment Agency, water companies and catchment partnerships work over the next 6 years.
As a catchment partnership we will be collating and submitting our thoughts and local knowledge, and you can do the same. Further information on some of the issues affecting our catchments can be found in our catchment data portal.
Respond to the consultation here.
You can also download a copy of the proforma.