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Mother's Day
But one thing I have found as a Mum is that it is important to also take the time to care of ourselve
Being a Mum has been one of the most amazing experiences of my life and I value it with all my heart, having my children I have always valued it as a special gift. Especially after having experienced the loss of two children in my life. Knowing how precious life is makes me treasure motherhood more than ever and I know that I'm not the only mother to feel this way.
Over the years us Mum's devote a great deal of energy into providing and looking after our children, it is a role we take seriously as we want to make sure our children are happy and have the best opportunities to succeed in life. Sometimes on the road of motherhood we tend to forget about ourselves, we are forever putting other people's needs first, our children, partners and extended family.
But one thing I have found as a Mum is that it is important to also take the time to care of ourselves, especially when it comes to our health and fitness.
As staying in shape physically has so many benefits.
1. Being a healthy and fit mum allows you to keep up with the physical demands of motherhood, not only when they are little, but also with all the running around us Mother's do with school run's and their various after school activities.
2. A strong healthy body helps us Mums to stay mentally focussed to cope with the emotional roller coaster of motherhood and the various issues come up as our children learn to grow socially, academically and physically.
3. Exercising can also provide a physical realise and time out from parenting and the other relationships in your life, it gives you some escape time when you exercise.
4. Exercise is a great way for Mums to form friendships especially if you join an exercise group or class.
5. Exercise can provide positive role modelling for our children which will lead to the creating healthy fitness patterns as they become older and eventually become adults.
6. It also can be a lot of fun, and it provides release those feel good hormones that put you in a good mood long after the workout. So when you get home to your family you will be super happy, energetic and ready for family time.
This Mother's Day while you're enjoying the special attention of your family and being pampered, take the time to set some new positive health and fitness goals to keep you in tip top shape for motherhood. After all, it is the most important job in the world and you deserve to enjoy it!
How to take care of your Pelvic Floor
Learn techniques for strengthening and protecting the pelvic floor during exercise.
Each week I talk to you all about staying fit and healthy, I try my best to motivate you all into taking steps to look after your entire body both inside and out. This includes our nutrition choices and the way that we exercise.
We all come from different life experiences which can often take its toll on the conditioning of the body. Over a lifetime of living, our body can start to develop imbalances, weakness and injuries and we often find the things we could do when we were younger we no longer can push ourselves the same way.
This by no means should be the reason to give up on exercise and your fitness goals. In fact, it can be used as the motivation to make some positive changes.
What it does mean is that we need to become more aware, recognise our limitations and learn to listen to what our bodies can and can't do.
There are so many options for better fitness and health - it is a matter of finding the right way to exercise so that you improve and make progress with your goals and not hinder the results you are looking for.
Talking with your doctor, physiotherapist, and exercise professional may be the best way to start to explore options, especially if you have a health, medical condition or an ongoing injury.
One of the most common issues I find for women, after child birth and as we age, is pelvic floor weakness (men can also have pelvic floor weakness after prostrate surgery). It is one of those sensitive topics that can be difficult to bring up and discuss, but it is extremely important to find the right ways to exercise if you are experiencing pelvic floor weakness.
Some exercises put increased downward pressure on the pelvic floor, which can weaken the muscles and connective tissues these – especially with repetition and over time. A weak or damaged pelvic floor can contribute to disorders like incontinence and pelvic organ prolapse, so making sure it is not strained during exercise is important.
Moderate exercise and being healthy is beneficial for the pelvic floor, but you need to be aware of the risks and learn techniques for strengthening and protecting the pelvic floor during exercise.
Here are some examples of ways you can help take care of your pelvic floor:
Remember 'Rome was not built in a day' – so make sure you start off slowly and build your strength and fitness over time. It is better to set up the correct exercise routine for your body, one that considers your health, conditioning and end goal - then you can enjoy the results!
A Mother's Journey
Sometimes life takes us on journeys that we never imagine we would ever travel.
Several weeks ago I sat in a room and was shown a photo of a strip of road with an X to mark the spot of the accident that changed my life and the spot where my beautiful daughter lost her life.
That moment rocked me as I had never seen or been near the accident. It has been the one moment in time I have never wanted or been able to face - I think I have been so frightened of the horror that my family went through on that day.
Also the kids and I have only had the energy to be dealing with the overwhelming grief and just trying to live and survive.
Anyway, since seeing the photo of the accident I have felt this strong need to finally travel to the where my families life changed and to especially see the place where Jimmy lost her life. A mother should know - but it has not been until now that I have had the strength to take that journey.
On Sunday morning I did this trip and I did this alone - it was hardest road trip I have ever taken and my heart ached for Imogen all of the way. I stood by the side of the road and finally thought of all that my family must of experienced in that moment - not just Imogen and Paul but Annabel and Elye - these four people are my heroes - the most amazing people I have ever known.
I also cried a river of tears for Imogen - you see grieving for two is never easy and expressing and dealing with my grief for Paul has been easier than facing the raw edge of a mothers grief for her child.
A mothers bond is strong and intense and it is unbreakable.
When the moment to go arrived I left the most beautiful bunch of flowers for her by the side of the road - a gift from me to her and the most important bunch of flowers I will ever give - these flowers where filled with all of the love I that I carry for her and always will.
I share this story with you as I want people to understand the journey of grief - but also to remember to love the people around you. They are a gift in your life and should never be taken for granted.
Today remember to love.
Shelley Myatt is the owner and operator of Shelley Myatt Fitness and Well-Being, Columnist, Life Coach & Motivational Speaker based in Toowoomba, Qld.
September 2017


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Hey there, searching for Special Parallelograms Worksheet? you are precisely below. Perhaps you came with internet search engine, after that you find this web site and also decided to visit this website, thanks for that. We have some pictures of Special Parallelograms Worksheet that you can download and install absolutely free. Please click on the image you wish to get, you will be required to an unique web page, there you will be presented info from the photo, and also there likewise you can download the photo. We have given the download switch.
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Special Parallelograms Worksheet
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Vincent Paris produces two Cornas reds from the same slope composed of fine granite soils, where his major pruning down to four bunches per vine produces incredible power and concentration. This is what he calls the Granit 60, from his oldest vines, and is available more often in 3 star Michelin restaurants in Europe versus in wine stores (we were excited to get some!). He also makes Granit 30 from younger vines on the same slope. The Granit 60 here is a dark, rich 100% Syrah with intense red and black fruits, savory spices and more. Serve with rosemary-infused beef or lamb dishes, grilled ribeye, marinated chicken dishes, or aged hard cheeses with dark olives.
The 2011 Cornas Granite 60 Vieilles Vignes offers an explosive nose of spring flowers, blackberries, blueberry liqueur, camphor and charcoal. It is a full-bodied, intensely concentrated wine that represents the essence of Cornas. The tannins are sweet, the acidity present but low and the wine is already accessible. It is capable of lasting 10-15 years; Rating: 95-97 points Robert Parker, The Wine Advocate
Has a smoky, quietly brooding nose that involves violet, cocoa, mocha, blackberry at its centre, the fruits simmered in style….It is upright and structured, more than many 2011s, a waiting wine. Blackberry and violet are in tandem as it travels. The late tannins are forceful, not shy, and lead into a black pepper, dusty aftertaste. Interesting wine, has character. From mid-2015. 2026-28 Nov 2012; John Livingstone-Learmonth, Drink Rhone
Looking first at the 2012s, the Cornas Granit 30 offers a gorgeous bouquet of spring flowers, liquid rock and assorted black and blue fruits in its stylish, perfumed and elegant style. Full-bodied, rich and still youthfully grapy, this pure, balanced and classically styled Cornas will benefit from short-term cellaring and keep for 15-20 years. Rating: (92-95 points); Robert Parker


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Reference Model for Cloud ApplicationsOctober 24, 2013
Do you have traditional On-Premisse software you want to move to the cloud? Are you building a solution to be offered in a SaaS model?
The "Reference Model for Cloud Applications" diagram above can help you to evaluate your solution and imagine how a cloud version of your current software should look like.
For a complete discussion on moving applications to the cloud and offering them under a SaaS business model, please download the paper "Reference Model for Cloud Applications – Considerations for SW vendors building a SaaS solution".


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Clinical Neurology Distance Education
Are you over-referring? Complete this course to improve your confidence in dealing with those tricky cases that are often referred to a specialist.
Neurological cases are probably some of the scariest to deal with and quickest to get referred. This course aims to demystify the process of localisation and help you gain the confidence to work up these often tricky cases.
Starting with the basics of clinical neurology and an introduction to neuroanatomical localization, the aim is for you to develop a logical step-wise approach to neurological presentations.
Your learning will be enhanced by videos, photos and diagrams and expert feedback as you refine the skills to diagnose and manage common brain, spinal and neuromuscular diseases and adopt practical tips to apply in general practice.
Past Participant
"I thoroughly enjoyed the Clinical Neurology course. I am an older graduate and neurology was pretty poorly taught at University. The course was one of the best I have ever done, the tutors were really helpful in answering my questions and made me feel comfortable asking simple things. I would recommend this course to anyone thinking about doing it."
Dr Donald Wiggins
Learning Outcomes
Our ultimate aim is to develop your ability and confidence to work-up neurological cases. We will focus on developing a logical approach to presentations such as:
- Paresis and paralysis
- Ataxia
- Seizures, tremors and other paroxysmal events
- Blindness
- Anisocoria
- Intermittent weakness and collapse
- Tight jaw, dropped jaw and droopy faces
In addition, you will learn to diagnose and manage all of the common brain, spinal and neuromuscular diseases commonly seen in practice.
Introduction to Clinical Neurology
Neuro-Ophthalmology and Common Cranial Nerve Disorders
Intracranial Diseases
Epilepsy, Tremors and Paroxysmal Movement Disorders
Exercise-Associated Weakness and Collapse
Non-Surgical Spinal Diseases
Surgical Spinal Diseases
- Neurological Causes of Lameness and Monoparesis
Course Delivery
This online course comes with:
A set of detailed online notes, images and videos
Self-assessed quizzes to test your knowledge and deepen your understanding
A discussion forum for conversation, debate and sharing cases with your peers and tutors
A monthly assignment based on real-life video case studies. Individual feedback and explanations will be provided by your tutors
- A monthly video podcast delivered by your tutors to summarise all the key points and challenges covered within each topic
Free textbook Handbook of Veterinary Neurology
Students will receive a FREE copy of the Handbook of Veterinary Neurology 5th Ed.
Pay as you learn
Choosing your DE course is a big commitment, so there's no need to add further stress by paying your course up front. To pay as you learn, you will need a $1,000 deposit to secure your place, followed by 50% of the total course fee 10 days prior to course commencement date. We'll arrange simple monthly direct debits from your credit card over 3 or 6 months.
Note: Payment Plan will incur an additional $250 administration fee, and Early Bird rates do not apply if you choose the payment plan option.
For the full terms and conditions please see our Terms.
RACE approved for 288 CE credits
This program (1147-38189) was reviewed and approved by the AAVSB RACE to offer a total of 288.00 CE credits being available to any one veterinarian. Participants should be aware that some boards have limitations on the number of hours accepted in certain categories and/or restrictions on certain methods of delivery of continuing education. Please contact the AAVSB RACE program if you have any comments/concerns regarding this program's validity or relevancy to the veterinary profession.
Distance Education
Course Fees
|Member Type
|Super early bird
|Early bird
|Full rate
|Non-member / eMember
Please note: All course fees will be charged in Australian dollars AND you must be a qualified veterinarian to enrol in this courses.
Loyalty DE Discount: Completed 2 or more Distance Education (DE) courses in the previous 5 years, you are eligible for a 10% discount on future DE courses. Discounts are not cumulative. For further information about discount options for multiple registrations at the one event, please read the full Terms & Conditions. To redeem your discount contact the CVE on +61 2 9351 7979 (Monday to Friday, AEST 9am to 5pm) or email@example.com.


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This portable speaker has 6 colors and has a waterproof and dustproof (IP67). This sale is only for a limited time for avail this offer you must follow the Amazon link provided in this post.
Sony SRS-XB12: https://amzn.to/2ISxKvy
By following that link you will go to the page where the sales are started.


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Home Vacuum Cleaners
Things to Understand Prior to Purchasing karcher sc 1020 steam cleaner best price in india as on 2016 january 06 compare prices buy
vacuum is nice to provide our cleaning. We can save bathing essentials, cosmetics, towels, hairdryer, etc.. It is available in many different variations, sizes, costs, and layouts. When you would like to buy it, we have to be aware of the size of the cleaning very first. We choose the one which is far too small or too big to become in our cleaning. We work with a cleaning using the whole family for a long time, so we will need to be sure we buy the best choice.
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Did you know that we have the same number of bones in our neck as a giraffe? That dogs can smell 25 times better than us and that sheep need about half as much sleep as we do? There's so much about our bodies that we take for
granted, but this amusing, original book takes a completely fresh approach to the human body-by setting it in context within the animal kingdom.
Taking each part of the body in turn-our eyes, our nose, our skin-it sets out to explain what each body part is for, and then compares it with other animals. The size of our brain, the strength of our eyesight, our ability to talk, are all looked at in comparison with the animal kingdom as a whole. It is by looking at the bodies of other animals that we can begin to understand our own!


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Between Austin, San Antonio, Houston & Bryan/College Station
Mayor Scott Saunders, Jr.
Term Expires May 2020
Mayor Scott Saunders was elected as Mayor in May 2016 and served on the City Council May of 2012 to 2016. He and his wife Leah are lifelong residents of Smithville. Scott has a Bachelor of Science Degree In Political Science and General Business Admin. from Sam Houston State University. He is a Licensed Insurance agent and Financial Advisor and owns a Farmers Insurance Agency. He is the National Legislative Director for the United Transportation Union Auxiliary and a member of the Smithville Fire Department, Lions Club, Masonic lodge, Chamber of Commerce, and First Presbyterian Church.
As many citizens are aware, the off-system bridge (built in 1936) on 4th Avenue over Gazley Creek was ordered CLOSED for public safety by the Texas Departm...read more >
Gazley Creek Bridge at 4th Avenue CLOSED
The off-system bridge at 4th Avenue over Gazley Creek was ordered CLOSED for public safety by the Texas Department of Transportation (TXDOT) at 10:25 am on...read more >
Burn Ban Rescinded
read more >


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We recently welcomed Madeline Farrell, Account Coordinator savant, into the Stealth Creative family. We took some time to get to know her better with a few fun questions.
Let's see how she answered.
1. What is your biggest pet peeve?
Slow walkers. They take up the entire sidewalk, and you can't get around them!
2. If you could tame any animal, what would it be?
Definitely a hippo. Hippos are my favorite animal. Also, you can't really train a hippo. So if I could magically tame anything, it would be a hippo.
3. If you could go back in time and do something in your life differently, what would it be
Not have gotten bangs.
4. What is your go-to comfort food?
Mac 'n Cheese.
5. What is the cheesiest movie you've ever seen, but kinda like?
Cloudy with a Chance of Meatballs 2.
6. If you could describe your life as a genre, what would it be?
A Mockumentary.
7. What is the best thing previous coworkers/employers would say about you?
That I work really hard and am an extremely positive person.
We're so excited to be working with Madeline and can't wait to see what great things she'll accomplish with Stealth Creative.


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An interesting fact on Turkish inflation expectations
Inflation expectations in the Central Bank's monthly survey of expectations surged on Friday. On the one hand, this is obviously a negative development, especially since it came after the Bank's emergency rate hike on Jan. 28. On the other hand, the rate hike could manage to stabilize expectations. But I would just like to make a small observation about the data:
I noticed that while end-year expectations are 7.92 percent, 12-month expectations are 7.21 percent. In other words, respondents are expecting a sharp fall in annual inflation in January 2015. It could be that they expect a base-year effect, as inflation came in much higher than expected last month. But then I decided to look at the Januarys of other years- and voila:
So survey respondents have expected inflation to fall every January for the last decade! But wait: Maybe, there is a seasonality effect; maybe, this January was an exception. So let's look at the % change in annual inflation (I know I am taking the percentage of a percent, but 10.5-10 percent difference is not the same as 5-5.5 percent difference) in Januarys:
In fact, annual inflation actually rose in January 6 of the last 10 times. Hmmmm:) I had pointed out to inconsistencies in the expectations survey, such as current account deficit expectations incompatible with growth projections, before, but this is the most obvious one yet…
Comments are closed.


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2572 books total
2572 books total
Cristina Riesen is a social entrepreneur passionate about technology and design. At the beginning of this year, she founded We Are Play Lab, a nonprofit organization that aims to accelerate change in education and prepare children for the future demands. By bringing together parents, educators, researchers, and policy-makers, its mission is to create more innovative, effective, convenient and affordable ways to deliver education.
Former General Manager of EMEA at Evernote and startup mentor at Kickstart Acclerator, Cristina also recently managed the setup and launch of Swiss EdTech Collider at EPFL Lausanne, Switzerland's first collaborative space for education technology entrepreneurs.
Cristina now lives in Switzerland, but she started her career in her home country, Romania, back in 1996, at PRO Fm – the first private radio station. After graduating from Transilvania University in Brașov, she moved to Switzerland and continued her studies in public relations and corporate communications at the Swiss Public Relations Institute.
Thanks to Gabriel Coarnă, I had the opportunity to meet Cristina (well, only virtually – for now) and talk about the books that had the biggest impact over her and what lessons she learned. Keep on reading to find out more!
Tough question as there are so many. I've always been an avid reader, book-worm is my second name. 🙂 Several business and non-business book left an important mark at different stages of my life, I would really not be able to pick only one. Chronologically, my first favourite book probably was Jules Verne's Around the World in Eighty Days. Or maybe Frank Herbert's Dune. Most recent favourite book is Tim Feriss' Tools of Titans. I am a huge fan of Tim.
Books have always played a big role in my personal development. I fell in love with books early on and as soon I could start reading, it would become my favourite activity. I would get lost in reading because they would fire up my imagination and would teach me so much about people and the world. Mind you that growing up in communist Romania, most books were forbidden so having a chance to get your hands even on classics such as Charles Dickens or Alexandre Dumas was quite a thing, not to mention a life-threatening exercise. Later on, I chose literature as my major at the university so books would help me combine interest with pleasure.
More than career paths, I like to look at life trajectories. There are some books who will forever change who you are. When I was around 12 years old, my father brought home Henri Charriere's "Papillon". He told me that it was totally inappropriate for my age but he wanted me to read it so that I can understand what persistence and grit means and how important it is to learn to develop them. I did and I must say it was a life-changing experience on so many levels. Enlightening not only because of the extraordinary story and skilful storytelling but also because, now looking back, my father's gesture empowered me so much. You will not be surprised that persistence and grit are still my top skills, even today.
First, a word on career paths. In time, I realised that career paths are like one-way streets. Magic happens in unexplored territories. Plus life is how you choose to live every moment, every day. So today, rather than building a career, I prefer to make lateral moves in life, working with great people and being part of ambitious projects impacting the world. There are a few books that got me here:
– Mircea Eliade "The Sacred and the Profane"
– E.M. Cioran " The Temptation to Exist"
– John Fowles "The Magus"
– Milan Kundera "The Unbearable Lightness of Being"
– Jon Krakauer "Into Thin Air"
– Tony Robbins "Unlimited Power: The New Science of Personal Achievement"
– Stephen R. Covey "7 Habits of Highly Effective People"
– Tom and David Kelley "Creative Confidence"
– Tim Ferriss " The 4-Hour Workweek", "The 4-Hour Chef", "Tools of Titans"
– Frederic Laloux "Reinventing Organizations"
– HBR's series on team building and management, strategy development, finance
I still read a lot but these days it's mainly business books and/or magazines (Wired, HBR) and usually taking advantage of commuting time. It's mainly speed reading (e-books and hard cover). I am also listening to audio books and podcasts. I still prefer hard cover books though, with a cup of green tea. 🙂
Because I am a curious mind, reading feels more like a life necessity than an obligation. So even though my agenda is busy, I manage to block time for reading. Not as much as I would like, for sure though.
I use heavily Evernote for collecting interesting reads and taking notes. 🙂
It has to do with the projects I am working on and recommendations from people I look up to. As I am now building We Are Play Lab, it has to do a lot with the science of learning, sustainable development and the economy of purpose.
Tim Ferriss is always a good source for great reads. Also Maria Popova's "Brain Pickings", it is my favourite newsletter.
I am reading Tim O'Reilly's "What's the Future and Why It Is Up to Us" as the future of humanity and technology is one of topics I am very passionate about. As Tim says: " the future that we can imagine shouldn't be a dystopian vision of robots that are wiping us out, of climate change that is going to destroy our society. It should be a vision of how we will rise to the challenges that we face in the next century, that we will build an enduring civilization, and that we will build a world that is better for our children and grandchildren and great-grandchildren. It should be a vision that we will become one of those long-lasting species rather than a flash in the pan that wipes itself out because of its lack of foresight."
Links where you can follow Cristina Riesen or find out more about her projects:
Books mentioned by Cristina in this interview:


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Awesome link http://www.e-learningforkids.org/
Awesome link http://www.e-learningforkids.org/
Everyone know about the definition of fractions , do you know the application of fraction in Music .
Watch and enjoy,
Animated explanation on Introduction to Fractions and Music with Fractions
Here comes the simple definition of real number.
Every natural number , every whole number , every irrational number , every rational number and every integer is a real number.


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Current US Federal Government Spending
How Congress Really Spends Your Money
Current U.S. government spending is $4.746 trillion. That's the federal budget for fiscal year 2020 covering October 1, 2019, to September 30, 2020. It's 21% of gross domestic product according to the Office of Management and Budget Report for FY 2020.
Why Spending Is Increasing
Before the recession, the government kept federal spending below 20% of GDP. It grew no faster than the economy, around 2% to 3% per year. During the recession, spending grew to a record 24.3% of GDP in FY 2012. This increase was due to economic stimulus and two overseas wars.
At the same time, growth slowed. That reduced tax receipts. Congress worried about the ballooning U.S. debt. No one could agree on how to reduce it. As a result, Congress enacted a 10% budget cut, called sequestration. That finally reduced spending to 20.7% of GDP in FY 2015.
Since then, spending has crept up again despite the sequester. Congress and the president rely on deficit spending to boost economic growth. But deficit spending is out of control. It rises each year even when the economy is doing well.
Federal Spending Breakdown
Almost two-thirds of federal spending goes toward paying the benefits required by Social Security, Medicare, and Medicaid. These are part of mandatory spending. Those are programs established by prior Acts of Congress.
The interest payments on the national debt consume 10% of the budget. These are also required to maintain faith in the U.S. government.
The remaining 30% of spending goes toward discretionary spending. This pays for all federal government agencies. The largest is the military.
Mandatory Spending
The mandatory budget will cost $2.841 trillion in FY 2020. Mandatory spending is skyrocketing because more baby boomers are reaching retirement age. By 2030, one in five Americans will be older than 65.
Social Security costs the most at $1.102 trillion. Current payroll taxes provide $949 billion of the income. Interest from the Social Security Trust Fund pays for the rest.
But the costs will outpace interest and income by 2034. At that time, Social Security benefits will begin draining the general fund. It also means Congress can no longer "borrow" from the Social Security Trust Fund to pay for other federal programs.
Medicare ($679 billion) and Medicaid ($418 billion) are the next largest expenses. Medicare taxes pay for $289 billion of its cost. The rest comes from the general fund.
The following mandatory programs cost $642 billion:
- Income support programs like food stamps, Unemployment Compensation, Child Nutrition, Child Tax Credits, Supplemental Security Income, and Student Loans. Unemployment insurance taxes pay for $46 billion of its cost. Contrary to popular opinion, welfare programs are not the biggest cause of government spending.
- Retirement and disability programs for civil servants, the Coast Guard, and the military.
Interest Payments on the National Debt
In FY 2020, interest payments on the national debt are estimated at $479 billion. That's enough to pay for 10 Justice Departments. It's also one of the fastest growing expenses.
By 2029, it will more than double to $823 billion, becoming the third-largest budget item after Social Security and Medicare. It's not a mandatory program, but it must be paid to avoid a U.S. debt default. These estimates will increase as interest rates continue rising.
Discretionary Spending
Discretionary spending is $1.426 trillion. It pays for everything else. Congress decides how much to appropriate for these programs each year. It's the only government spending that Congress can more readily cut.
There is an additional fund for emergencies. Congress allocates this outside of the budget subject to sequestration.
For FY 2020, the emergency fund is $200.1 billion. The largest component is Overseas Contingency Operations that pay for wars.
Once you include the OCO fund, then military spending is $989 billion. It's spread out among different agencies and budget categories, so you must add it all together. It includes:
- Defense Department base budget: $576 billion.
- DoD Overseas Contingency Operations: $174 billion.
- Departments that support defense: $212.9 billion. They include the Department of Veterans Affairs, State Department, Homeland Security, FBI and Cybersecurity, and the National Nuclear Security Administration.
- Emergency funding for support departments: $26.1 billion.
The next largest department, Health and Human Services ($89.6 billion) is less than one-tenth of total military spending. Its primary function is to spend mandated benefits for Medicare, Medicaid, and the Affordable Care Act. Other important federal government functions get even fewer funds.
Understand the Current Federal Budget
Compare to Past Budgets
Article Sources
The White House. "A Budget for a Better America: Promises Kept. Taxpayers First," Accessed Nov. 29, 2019.


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Kevin Drum is in danger of becoming a lapsed tennis-fan. In particular he laments the elimination of the serve-and-volley style of play:
[…] I find myself following tennis less and less every year. Why? Because it's gotten boring. Sure, today's players are phenomenal athletes, covering the court like gazelles and routinely hitting breathtaking shots. But every match is the same, what I've come to think of as "thug tennis": huge topspin forehands, booming two-handed backhands, and endless baseline rallies. The power and shotmaking are mesmerizing at times, but in the end, I can hardly tell the players apart these days.
[…] I know the current state of the game has lots of fans, but aside from an intellectual admiration I just can't work up a lot of enthusiasm these days. In the end, new racket technology and the coaching that went along with it have finally conspired to spoil the game for me.
I'm not sure I'm wholly persuaded by this, not least because advances in string-technology allow players to play remarkable shots from remarkable angles. For that matter, tennis in the Federer-Nadal era (with, latterly, Djokovic and Murray as a fine supporting cast) has provided great dollops of compelling drama and extraordinary tennis. In many ways tennis – at least men's tennis – is much better than it was a decade ago. When the top four are playing one another it can be pretty damn spectacular. (Tonight's US Open final confirms this view.)
Nevertheless, Kevin has a point: the disappearance of serve and volley tennis has to be regretted. The power game is only part of the matter. Modifying the balls at Wimbledon had helped reduce the importance of the serve and so, more significantly, has the slowing of the courts but fitness, strength and the ability to generate extraordinary amounts of topspin have conspired to eliminate serve-and-volley tennis even on grass. And so, as Kevin says, the aesthetically pleasing contrast in styles between a McEnroe and a Borg or an Edberg and a Wilander doesn't exist anymore.
So if this variety is considered important, how do you subtly encourage it? The obvious answer, I think, would be to make the court narrower. Not by much. Perhaps by as little as six inches. A small change that might have large consequences. It's top-spin that makes venturing to the net a foolhardy proposition these days since previously impossible passing shots have become routine. So narrowing the court, even just a little, might permit players to come to the net with less risk of embarrassment (since they could cover more angles) and consequently help improve the aesthetics of tennis. (If you think aesthetics need encouragement, of course.)
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Longest Hand Woven Coir Doormat
Travancore Cocotuft (P) Ltd factory has made the Longest Hand Woven Coir Doormat. The doormat was made through an idea of Mahadevan Pavithran. The Longest Hand Woven Coir Doormat has 101.6 meters (333.3ft) length, 1.2 meters (4ft) width, 30 mm thickness and 999 kg weight. This was the outcome of four-month effort by four workers consuming 4, 70,000 coir tufts, inserted between alternate wefts of coir yarn. The total cost of this Doormat is over Rs. 4, 00,000/-.


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Oliver Norwood scored the only goal of the game with a late first-half stoppage time penalty to defeat Millwall in the London derby at Craven Cottage.
A spirited Lion's performance could see the fans feel aggrieved and an angry manager Neil Harris bemoan his teams luck on an afternoon where Millwall hit the woodwork twice, once in each half of the game.
To be fair Millwall were indeed unlucky and deserved to be making the short trip down to south London with at least a point in their pockets. With this defeat however they now drop another position in the Championship and sit uneasily in 19th place.
Following their superb 5-4 midweek classic against Sheffield United and todays win against local opposition the Cottagers move up to 12th in the table level on 26 points with a gaggle of other teams.
The goal came from a tackle by Conor McLaughlin for which he was booked for his challenge on Fonte on the stroke of half-time, the former Crystal Palace loanee going down in a heap as the Lions defended a corner-kick. Fulham boss Slavisa Jokanovic described it as a "clear" foul.
Oliver Norwood dispatched the penalty as we hit the second minute of stoppage time and it proved enough to settle the contest.
Six games without a win now for the Lion's but the fans should take note that if they carry on with performances like this and lady luck is a little more on their side then should be out of trouble in no time at all.
What was scant consolation for the Lion's was that the visitors had plenty of chances against an unconvincing Fulham defence who let four in during week and twice hit the woodwork before Slavisa Jokanovic's side could claim only their second victory at Craven Cottage in the entire season and incredibly their first since September. Quite a remarkable stat for a team in the top half of the table.
Tom Elliott clipped a post with a free header for Millwall after just seven minutes of the match before then glancing George Saville's cross badly away from the goal after being left all alone again in front of the posts. He could and should have done better.
Again Elliott was in the action and was denied from close range by home keeper David Button and Steve Morison's first-time lob floated the wrong side of the post. George Saville's shot then got through a crowded penalty area only to come back off the post and Lion's fans were cursing their luck as Fulham saw out the game to nick it by the odd goal.
The win earned the Cottagers a week's haul of seven points out of a possible nine and their manager was by far the happier of the two.
Fulham boss Slavisa Jokanovic had this to say:
"This is the Championship and it has not been easy for us. We have to be satisfied with the week we have had. We are fighting without the ball. They sent in many long balls, they are bigger and stronger in those situations. We don't have the tools to find the solution to these problems.
"But the team suffered together and got a clean sheet. In the end, it is our third game of this week, without a few important players, so we must be satisfied."
A visibly seething Millwall boss Harris said:
"I think they've had four shots from 22 to 32 yards out. Ultimately they created nothing. Tom hit the post in the first half and George hit the post in the second half. We've had nine balls bounce in their six yard box. It is the story of our season really away from home. I can't fault my players in terms of the game plan and attitude – they did exactly what I asked off them. It was two different styles of play – one total football and the other a little more direct. They both impacted on each other at times.
"we get punished by a harsh refereeing decision. I can see why he gave it – but the player has conned him into giving it in my eyes. What helps him [Fonte] is he gets the wrong side of the player but the contact is minimal. The player clearly throws himself to the floor and at an angle to highlight contact. The players have done well to force the referee to give it."
"Our fanbase were brilliant – top-drawer."
If you fancy a bet on the Lions follow this link.
Preview and odds for Chelsea vs Liverpool in the Premier League. Liverpool will be looking to extend their winning run in the Premier League while Chelsea will be hoping for their biggest win under boss Frank Lampard.Read more
Preview and odds for Manchester United vs Leicester City in the Premier League. United will be hoping to bring Leicester's unbeaten run to an end with their first victory since the opening day.Read more
Preview and odds for Leyton Orient vs Swindon Town in League Two. The O's will be hoping to build upon their win against Southend United.Read more
On Saturday, Leyton Orient travel north to take on another recently promoted side, Salford City. The O's will hope to bounce back from their defeat to Crawley Town with an away victory against the club backed by the Class of '92.Read more
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bTelli is an online platform that connects young independent professional freelancers with business clients globally to share their talent and passion to kick start their career.
We are the matchmakers that finds the right talent for your needs. We support young independent professional freelancers from local communities to a greater global presence of opportunities.
The idea behind bTelli started when the two founders were looking for side jobs to fulfill their passion during their free time. However, with no success in the search, the two founders decided to create a online platform dedicated for such needs. After months of putting all the pieces together, bTelli was founded December 2018.
An online platform for young independent professional freelancers to utilize their talent and to unlock their passion, globally.
To allow you to become who you are, what you are, and what your skill and passion enable you to be as a source of income.
- Supporting local communities by creating more jobs locally and helping out people in need both locally and globally.
- Supporting local cost by advertising volunteer events and raising awareness for charity
Environmental friendly, encourage our artists and buyer for going electronic in terms of billing and commuting.
Encourage creative minds to share the world their talent and empower individuals to pursue their dreams and a bright future.
Empower differences. What makes us different is what makes the world a better place.
Committed to intellectual property and user privacy.
I was able to quit my normal 9-5 jobs with bTelli earning double than what I had before. I enjoyed the flexibility in time and various projects I can choose from to best fit my schedule. I can more time to myself and my family, thank you bTelli.
bTelli helped me so much when I was going through a dark phase looking for something I want to do. Video editing has always been my hobby and I never thought I could make a living out of it. I am constantly working on 3-5 projects and this is the best side hustle ever.
With bTelli, I save so much on lawyer fees and I could not have asked for a better platform! Would definitely come back for more business!
bTelli has helped my project tremendously, I couldn't have completed it on time without the help from the Freelancer Richard on bTelli.
2019 | All Right Reserved By bTelli


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Women's hardball
Hardball League
2018 saw the inception of Somerset Women's hardball cricket league. Two divisions, a North and South following a tri festival format of fixtures. Although this was relatively successful, the Clubs involved want a longer format of the game moving forward. The 2019 offer will see eight teams compete in two geographical division, North & South. The top two teams from each division will compete in a finals day on the 28th July at Wembdon Cricket Club.


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CropLife Ghana member companies have so far, this year, trained over 1,500 farmers and extension officers in various regions of the country. This is part of the objectives of CropLife Ghana in providing stewardship activities to all stakeholders at all times. The trainings focused on responsible use and the application of pesticides together with advocacy on the anti-counterfeiting of pesticides in the cocoa sector.
As part of its stewardship program for cocoa products, BASF organised two training sessions for 106 cocoa farmers and extension agents in the Western North cocoa district of Ghana, on 3 - 4 October 2018. The trainings were held in Dadieso and Boako townships and were aimed at sensitizing participants on BASF cocoa fungicides and insecticides on the Ghanaian market. Participants were made up of farmers, extension agents as well as district and regional cocoa coordinators in the Western North district. As part of the exercise, participants were trained on the effectiveness of the BASF products on cocoa production, and also sensitized on the unique features of the BASF products to avoid use of counterfeit products.
BASF has several products on the market and intends to increase their range in 2019. Following the training, certificates of participation were distributed.
As part of its activities to challenge the counterfeiting of pesticides in the country, CropLife Ghana will from 2019, in collaboration with the EPA, PPRSD/MoFA and FDA (Food & Drugs Authority) implement a comprehensive workplan on the "Education and Enforcement of the Pesticide Act 490". CropLife Ghana is the current Chair for the National Task Force that drafted the workplan to be implemented. Activities to be undertaken include raids/swoops at major pesticide markets; prosecution of counterfeiters and the improvement of logistics for regulatory officers.


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Crash Bandicoot N-Sane Trilogy has been in my sights since it was announced last year. Every time that there was new gameplay to see of it, new screenshots, new features announced, anything, I was on it like a rash. I played the original three games to death when I was a little kid, much like many of the people who were also excited for it! There were so many things about the games that kept me coming back, between the colorful visuals, the fantastic music, the lovable titular character, and so much more. Sure, Crash 1 compared to the two direct sequels is… well, it ain't very good, but it has an important place in history. We couldn't have had the masterpiece of Crash 2: Cortex Strikes Back without the pretty okay first game. All three of the original games are lovingly recreated as close to the originals as possible, for better or for worse. I'll explain what I mean by that.
Crash 1, like I said, wasn't that good compared to the other two games in the trilogy, and it still ain't. The one thing about it that I can say is that because it was the worst looking game before, and now that they all got the same facelift, it looks the most-improved. 2 and 3 have visuals that are already timeless, so the upgraded visuals aren't quite as effective with those games. 1 benefitted the most visually, and even though you can play as Coco now, which is cool, you still can't slide like you can in 2 and 3. It makes it feel like more of a chore to play through the first one when the other two are right there, and they play so much better. Of course, you have the incentive of reliving a classic, playing with time trials, and seeing the minor changes. The thing is, there are clearly things that could have been fixed about the game, that would have made it less bullshit.
There are plenty of platforming segments where you're either moving forward or backward where the camera could be pulled out/up just a little bit more to make it much better. The reason why I know that it could have been fixed is because they did fix it in Coco's water-ski segments in Crash 3. The camera is pulled out a bit more that it used to be in those levels to give a better field of view. So why couldn't they do that in Crash 1 to help with some of the crappy platforming views? I mean, it's certainly not worse than it used to be, but after all of this time, it could have been a lot better. Crash does feel like he controls much more like he does in the other two games, just minus being able to slide. That feels good, I will say, though that slide is sorely desired at certain points.
I did notice that some of the bosses seemed a bit tougher now, in the first game at least, with slightly different hit boxes and more health. For example, Papu Papu now takes five hits, and he can hit you when he reels back to smash his staff on the ground, so you can't stand right behind him. It could just be my rusty Crash skills, but all of the bosses seem just a tad tougher than they used to be, across all of the games. Regardless, Crash 1 still feels like the real weak link in the original trilogy, but it does have its place, and it's a nostalgia trip for sure.
Crash 2 and 3, however, feel as freakin' awesome as they ever did, and they are a blast to play, they alone make this a must-have for any PS4 owner. Crash controls super tightly (except for when he's on ice in Crash 2), and just running, jumping, and spinning around feels great! For a couple of games from about 20 years ago, they don't feel like it, it's a blast to play both of them! Crash 3 is pretty much exactly the same as it always was, though both games have slight tweaks in some of the bonus stages, boxes in different spots, etc. Crash 2 has time trials now, and since there's no dash ability, you don't have to wait until you beat the game to bother doing them. They're still the most evil part of completing the games, though, don't get me wrong about that. I'm fairly certain that whoever thought up the time requirements for the platinum relics should be tarred and feathered.
Crash Bandicoot N-Sane Trilogy is by far my favorite release of 2017, it just makes me feel good inside to play it. Sure, some bits are still frustratingly hard at first, it takes a little while to get a hang of the controls (and analog still doesn't feel very good). It's by far the best thing that could've happened to the Australian Marsupial, and I can whole-heartedly say: CRASH IS BACK, BABY!
If you own a PS4, I don't care if you played the originals or not, now is the time to invest in Crash Bandicoot. Sure, some bits are a teeny-bit bullshit, and Crash 1 is pretty on the outside, but a bit slovenly on the inside, but all-together, for $40, this is a great buy. The visuals, the sound effects, the music, Crash, Coco, Aku Aku, Cortex, everything, it's all just so fantastically brought back to life! Now, just make a Crash Team Racing remaster to add on as DLC and I'll throw my wallet at my PS4. I've said it before and I'll say it again, hats off to you, Vicarious Visions, you have done every 90's kid that had a PS1 proud.
Crash Bandicoot N Sane Trilogy Review Summary
Story - 7.5
Gameplay - 9.5
Graphics - 9
Sound - 9.5
Entertainment Value - 9.5
Crash is Better Than Ever!
"Making you a better geek, one post at a time!"
*The writer of this review purchased his own copy of the game and was not given a review copy by the developer


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April 16, 2011
School Of the Day/ Year: Ice School!!
Published By Edward Lifegem
2 comments:
- Autumn DreamWalker said...
School of the year.....You are funny! Oh, and I love the new picture.
- April 16, 2011 at 9:10 AM
- Edward Lifegem said...
Yes, its school of the year :P and thank you! You should get on wizard101 I am getting ready to get on right now.
- April 16, 2011 at 9:11 AM
Subscribe to: Post Comments (Atom)


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Charley Crockett's anticipated new full-length album, Lonesome As A Shadow, will be released April 20 and is now available for pre-order. In advance of the release, the album's first single, "I Wanna Cry," recently premiered at Rolling Stone who describes it as, "…a more soulful side of the traditional roots-based sound that Crockett first honed as a street performer in New Orleans." Listen/share HERE.
April 28—Charlotte, NC
Moo and Brew Fest w/Shovels and Rope
Of the backstory behind the song, Crockett shares, "When my older sister passed away, I remember driving to the levy and seeing these five white cranes flying overhead. It was right at dusk and the city skyline matched the color of the sunset. It stayed with me and I turned it into a Texas Cajun song to honor my sister's life."
Produced by Matt Ross-Spang (Jason Isbell, Margo Price, Zac Brown) and recorded at Sam Phillip's Recording in Memphis, TN, Lonesome As A Shadow is Crockett's fourth full-length album and his first release consisting entirely of original songs. In addition to Crockett on vocals and guitar, the album features his longtime touring band, "The Blue Drifters."
In celebration of the release, Crockett will tour extensively throughout 2018 including headline shows at Dallas' Majestic Theater, New Braunfels' Gruene Hall, Austin's Stubbs, Nashville's Mercy Lounge and New York's Mercury Lounge as well as dates supporting JD McPhearson, Turnpike Troubadours, Shovels and Rope and Old 97's. Additional dates to be announced soon. See below for complete details.
The release of Lonesome As A Shadow culminates a series of breakthrough years for Crockett following the release of 2015's A Stolen Jewel and 2016's In The Night which received widespread critical acclaim and earned him a Dallas Observer Music Award for "Best Blues Act." Following the releases, Rolling Stone included Crockett as one of their "10 Artists You Should Know" while Wide Open Country described him as, "A honky tonk hero for the modern era." Most recently, in 2017, Crockett released a collection of his favorite honky tonk songs, entitled Charley Crockett presents Lil G.L.'s Honky Tonk Jubilee. The album features songs originally performed by Hank Williams, Ernest Tubb, Loretta Lynn, Tanya Tucker, Roy Acuff, Webb Pierce and other great heroes of honky tonk.
Inspired by the life of his ancestor Davy Crockett, the Texas native has traveled the world, spending time in Paris, Spain, Morocco and Northern Africa as well as singing on the streets across the U.S. from New Orleans' French Quarter to New York City.
February 16—Berwyn, IL—Fitzgerald's Nightclub
February 17—Nashville, TN—Ameripolitan Showcase @ Nashville Palace
February 23—Norwich, U.K.—Norwich Arts Center*
February 25—Ardrossan, U.K.—St. Luke's*
February 26—Leeds, U.K.—Brudenell Social Club – Main Room*
February 27—Manchester, U.K.—Gorilla*
February 28—Birmingham, U.K.—The Hare and Hounds*
March 2—London, U.K.—O2 Shepherd's Bush Empire*
March 3—Sint-Niklaas, Belgium—De Casino*
March 4—Paris, France—La Mariquinerie*
March 6—Hamburg, Germany—Gruenspan*
March 8—Goteburg, Sweden—Pustervik*
March 9—Huskvarna, Sweden—Huskvarna Polkets Park*
March 10—Gamla Stan, Sweden—Debaser*
March 12—Berlin, Germany—Lido*
March 13—Zurich, Switzerland—Mascotte*
March 15—San Sebastian, Spain—Intxaurrondo*
March 16—El Ferrol, Spain—Auditorio Municipal*
March 17—Madrid, Spain—Joy Eslava
April 7—Helotes, TX—John T. Floore Country Store†
April 11—Monroe, LA—Live Oaks Bar and Ballroom
April 13—Tuscaloosa, AL—Druid City Music Hall†
April 14—Tallahassee, FL—Fifth & Thomas
April 15—Mobile, AL—Southsounds Music Fest
April 19—Oklahoma City, OK—Tower Theater
April 20—Dallas, TX—Majestic Theater
April 21—New Braunfels, TX—Gruene Hall
April 22—Austin, TX—Stubb's
April 25—Atlanta, GA—The Earl
April 26—Nashville, TN—Mercy Lounge
April 28—Charlotte, NC—Moo and Brew Fest w/ Shovels and Rope
April 29—New York, NY—Mercury Lounge
May 3—El Dorado, AR—The Griffin
May 5—Tulsa, OK—Green Country Jam
May 6—Lindale, TX—Love and War In Texas
May 24—St. Louis, MO—Off Broadway
May 27—Winston-Salem, NC—Gears and Guitar Fest§
June 13—Morrison, CO—Red Rocks Amphitheatre#
June 28—Lexington, VA—Lime Kiln Theater†
June 29—Richmond, VA—Friday Cheers @ Brown's Island†
June 30—Washington, D.C—9:30 Club†
July 13—Mount Salon, VA—Red Wing Roots Music Festival
July 15—Chicago, IL—Windy City Smokeout
August 3-4—Happy Valley, OR—Pickathon at Pendarvis Farm
August 5—Upper Lake, CA—Blue Wing Blues Festival
August 24-25—Fayetteville, AR—Fayetteville Roots Festival
September 8-9—Remus, MI—Wheatland Music Festival
*with JD McPhearson
†with Turnpike Troubadours
‡with Shovels and Rope
§with Jason Isbell, John Moreland and Amanda Shires
#with Turnpike Troubadours and Old 97's


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Whether you're a stickler for being well groomed, or are embodying the spirit of Movember, these Mustaches Socks from will hit just the spot.
Support The Cause
Movember is an annual event involving the growing of moustaches during the month of November to raise awareness of men's health issues, such as prostate cancer, testicular cancer, and men's suicide. The Movember Foundation runs the Movember charity event, housed at Movember.com The goal of Movember is to "change the face of men's health."
Fits men and women with shoe size 7-12. Also available in shoe size 5-9.
85% Cotton
10% Polyester
5% Spandex
Machine wash, cold (30 °C / 86 °F). Do not bleach or iron the socks. To reduce damage, line dry. They will last longer if you keep them out of the tumble dryer.


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North American stalwart and former TI5 champion, Clinton 'Fear' Loomis, has officially come out of retirement to join the J.Storm Dota 2 roster as their position 4 support player. To make way for his arrival, the North American organization will be releasing Milan "MiLAN" Kozomara.
Fear is a name known to anyone following the scene. One of the earliest professional Dota 2 players, Fear's career spans more than a decade. Most notably, he was one of the players featured alongside Danil 'Dendi' Ishutin and Benedict ilm 'hyhy' Han Long, in Valve's documentary for Dota 2 titled "Free to Play".
Joining the J.Storm Dota 2 roster marks just the second time in Fear's long and illustration Dota 2 career that he will be playing in a team other than Evil Geniuses.
Fear Joining Provides the Calm to the Storm
J.Storm have taken no time asserting themselves in North America. Rebranded from the Vici Gaming sister squad, Team VGJ, and with NBA player, Jeremy Lin, as one of their biggest sponsors, the team was one of the teams to watch last season. Case in point, the organization sent two squads, VGJ.Storm and VGJ.Thunder, to The International 2018; the former won a Minor and finished in second place at a Major en route to posting a Top 8 finish at the most prestigious annual tournament in Dota 2.
Of the two squads, only one now remain, the North American leg, now renamed to J.Storm. However, this is an entirely new roster. Gone are all the players that made the team one of the biggest dark horses last season. But, even with a relatively new set of talents, J.Storm have remained the same fun team to watch this season.
Captained by former MVP.Phoenix player, Park 'March' Tae-won, who is fresh out of his mandatory military service in South Korea, and featuring young talents like Jonathan 'Bryle" De Guia, have easily been the second best Dota 2 team in North America. Although they had a relatively lackluster showing at the Kuala Lumpur Major, there were the occasional flashes of brilliance, a given when you have a young and inexperienced team.
With Fear on board, it's clear that J.Storm want to speed up their timeline and contend right away.
Final Thoughts
One of the champions of the "sacrificial carry" playstyle, Fear is one of the most versatile Dota 2 players in history. Case in point, he has played just about every hero in Dota 2. He is currently second all-time with 109 unique heroes played.
While a huge signing, Fear alone does not instantly help turn J.Storm into contenders. They have a long way to go to achieve that status. However, his experience and everything else that he brings to the table, does make the team much more dangerous. Not to mention, it helps elevate their ceiling. Also, given how he successfully served as a mentor to superstar midlaner Syed Sumail 'SumaiL' Hassan, he could potentially have the same effect on J.Storm's very own superstar midlaner, Bryle.
With a maverick like Jimmy 'DeMoN' Ho as their coach, the Dota 2 scene might have just seen the rise of a new powerhouse.
Fear will make his official LAN debut with J.Storm at the Chongqing Major next year in late January.
What kind of effect do you think Fear will have on J.Storm? Will his tenure with the team be as successful as his time with Evil Geniuses? Be sure to let us know your thoughts in the comments down below.
Don't forget to follow us on Twitter and Facebook for the latest on your favourite Esports titles.


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You might've heard the words Cheltenham Festival echoing around the town (and the rest of the country) recently. That's because, the famous racing event that is an indisputable staple in England's sporting calendar, is returning again for 'Four Days or Extraordinary'. Sponsored by Magners, Cheltenham Festival runs from Tuesday 12 – Friday 15th March and is the set to be the most exciting, highly anticipated Jump racing event of the year. It's set at Cheltenham Racecourse and will play host to 260,000 visitors and the absolute finest horses and jockeys, trainers and owners. What they're racing for? Awards, reputation – and over £4.5m worth of prize money.
Much like The Grand National, Cheltenham Festival is structured in 4 days. Day 1 is Champion Day. This is where all the racers will gather on the field and the excitement that has been building up all year will be released. This time last year, Nicky Henderson's Buveur D'Air won honours for the Uninet Champion Hurdle "becoming the first horse since Hardy Eustace in 2004 and 2005 to retain the title". What visitors can expect from Champion Day this year is top-notch, world-class Jump racing, as well as live music, food, entertainment and shopping.
Day Two is the fun-loving Ladies' Day. This is where the outfits are even more colourful and lively than the atmosphere of the festival. The tweed and trilbies will come out, drinks will be in hands, and the #ColourMeMarch competition will return, where men and women can be judged on their outfits with the chance of winning attractive prizes.
Day Three is called St Patrick's Thursday and is a celebration of Ireland. Head to the Guinness Village and enjoy drinks and live music, and watch more incredible jump racing. On St Patrick's Day at Cheltenham last year, Gordon Elliott, Davy Russell, and Michael O'Leary (CEO of Ryanair) were awarded honours in the Ryanair Chase.
Finally, the fourth day, and perhaps most exciting, is Gold Cup Day, where one world-class jump racer will be awarded the Cheltenham Gold Cup. Last year, this was won by the horse Native River, ridden by Richard Johnson and trained by Colin Tizzard. The races on this day are the most fierce, with the end goal of winning the ultimate trophy, and prize, in clear sight.
Cheltenham Racecourse, Evesham Road, Cheltenham, GL50 4SH
12 – 15 March 2019
Get your tickets via thejockeyclub.co.uk!


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Over the last 100-years Denver has only lost population once and that was during the recession of 2002-2003. Since 2010, Denver's population has grown by more than 100,000 people. Today Denver still has inbound net positive migration accompanied by strong job growth and the country's lowest unemployment rate. The ratio of the number of jobs to the number of apartments has still not reached equilibrium even after the latest construction boom (15,000 apartments in the metropolitan area under construction, 9,000 in Denver). Denver's ratio is 20% greater than Seattle's.
Detached single family homes (DSF) construction has not kept up with the population growth. In most cities the percentage of the population that owns their own homes is near 65%. In Denver, it is 55%!
As a result, all types of development in Denver are strong. Retail, office, industrial, DSF, hospitality, healthcare, attached single family homes (ASF-Townhomes), condos, and even churches are all doing well.
Since we have way too many buyers relative to supply and the construction industry cannot supply more, you can expect prices to continue to go up. It's supply and demand, stupid.
As real estate professionals, brokers and developers, we receive many questions about the market. For example, one of the most frequent is, "Are we in a real estate bubble?" I have been looking at the market from the development perspective that often requires a 3-year planning horizon. What I see is that the bad lending practices that brought us the last recession are gone. There is no oil bust of the 80's. People are still moving here. Companies are coming. Our airport has greater connectivity than ever. The mountains are still a great tourist attraction (80 million visitors per year). Development investors frequently ask the same question. I tell them that, in my opinion, this market will continue as it is going unless there is some external force on the economy.
My crystal ball is cloudy, but I see no signs of a bubble.
Charles Roberts, President of Your Castle Real Estate asks, "What is a bubble? Does that mean that the market will fall next month? It is a very complicated question. We are not sure. Markets go up and down. The last upturn lasted 17-years. For all of you out there asking this question, don't get offended, but I don't think it is a great question. It's a waste of time."
The much more important things to focus on are the things you can control.
- Develop your career,
- Take care of your home, if you own one,
- Figure out how to buy one if you do not
- If you own commercial real estate do what is required to keep it in good shape and your tenants happy
A better question might be, "What would you expect to see six months before a downturn?" We believe leading indicators include an increase in inventory and days on market rising significantly. However, today we are at a 40-year low level of inventory. Inventory per capita is at a record low. This is the number one thing.
"Well, what about price reductions of property?" This is not a good predictor because, for example, today some sellers are aggressively pricing their properties in order to optimize their return. Since the real estate market is a very efficient market, this is a foolish idea. Over-priced properties will get a price reduction when the sellers wake up. This is not a science, but an art.
On the development side six years ago we were seeing 2400 sf per side duplexes built and sold for $600,000. Today they are listed for almost a $million. Those types of projects are not in the market's sweet spot. Our next project will be a condo project for that sweet spot. $350,000 brings a fat buyer pool. We have three years to pull this off and a lot can happen in 36-months. We have to be prudent. We are seeing profit margins for developers getting squeezed because land prices are going up and construction costs are increasing at a rate faster than the prices for the final product. We, therefore, must be conservative in our planning. A condo at the $350,000 price point means what you are getting for that $350,000 is shrinking, but the price per square foot (PSF) is going up to $500-$550 for 600-800 sf units. We are looking for infill development in nice locations that are walkable.
In our planning we don't consider price appreciation, but we are including cost increases. We use today's sales prices. In my opinion, it is irresponsible to project price increases. I let the investors make their decisions based upon today's prices. We are being just a little bit more conservative when we are buying land. The critical factor is "How long does it take to sell the units?" The carrying costs make this an important issue. We are planning for an extra six months to sell them.
Three years ago, I was saying exactly the same thing. Lots of people were reluctant to pull the trigger and did not make any money. We did. Some developers today are selling the projects at the entitlement stage to avoid this risk.
Another question we often are asked is "Is Denver an unaffordable market?" We still have room to get more expensive. 2012 was the most affordable year in the last 40. When one compares today's prices to 2012, the market looks expensive. However, when compared to the last 40-years, we are at the average of affordability.
When I advise a small investor with $500,000 to invest, I get clear about a few things. What is the investors financial goal and risk tolerance? If the investor is interested in limited risk, long-term gain, we might find a small office building or warehouse. Why? Let me give an example. 38th avenue in Wheat Ridge. It is a great location but with little recent investment in existing assets. There are many older brick buildings with good structure. We might do an adaptive re-use, or do a face lift on an office building. For every Class A office there are 10-times the B or C clients. There is huge demand for warehouses.
- Don't worry about the bubble
- Worry about what you can control
- Don't buy a house if you think you can sell it if you need to, don't buy it. You don't know. Don't bank on it. Don't buy a commercial building if you will need to sell it.
Some development clients ask "can I get out in 3-years?" I am providing them with 60-100% return over three years. I tell them, if you can't manage the risk, don't ask the question.
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