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loanDepot is a direct lender that can help you get pre-qualified for a home loan and determine the price range for buying a home.
homes loans with poor credit can you purchase a home without a down payment Can you purchase a home without a down payment? – Trulia – can you purchase a home without a down payment? Asked by Sarah sullo, Bedford, NY Sun Apr 22, 2012. I am paying down my debt, so is it possible to buy without a down payment7 Best Types of Loans for People With Bad Credit. – Getting a secured loan backed by some valuable assets – whether it be your home, your vehicle or something else – can be easier for someone with poor credit. Pros of a Secured Loan Even those with bad credit can qualify.
4 Ways Mortgage Lenders Can Help You Buy a Home – Pre-approval. to apply for a mortgage," Bogan says. No matter what your situation, though, to get the best help, you're actually going to have to call. "You absolutely want to talk with somebody in.
Mortgage pre-approval, on the other hand, involves the same steps as a mortgage application – you'll provide detailed information about your income and assets that will be reviewed by the lender's underwriters.
types of fha loans 203k refinance for investment property Mortgage Loan | Mortgage Types | New American Funding – Mortgage loan options. learn about various mortgage types. explore home mortgage loans for purchase, refinance. Home mortgage loans including VA, FHA.buying house with no money down Buy A House With No Money Down And Bad Credit – YouTube – · If you're wondering if it's possible to buy a house with no money down the good news it is possible to buy a house with no money down, in this video Becky explains her method and explains step by.
To whom it may concern: I was a little stressed out when I spoke to a gentleman online on the Rocket Mortgage app in May. According to him, based on the info I gave him I.
Borrowers can get pre-qualified over the phone, online or in. Otherwise, when your application is being processed, any changes could affect the amount you're approved for. Kathleen Beck, a loan.
Super Brokers – Online Mortgage Pre-approval – Online mortgage pre-approval application. Online service agreement term This Agreement begins on the day upon your online application submission to Super Brokers Incorporated, a licensee of TMG The Mortgage Group. It ends upon the funding of the loan, mortgage or other financing.
All the key questions you'll need to answer when applying for a mortgage – A hard check stays on your credit report for 12 months and other lenders can see it if you apply elsewhere – which could have an impact on its decision. How to boost your chances of being approved for.
Easy Online Mortgage Pre Approval Letter For Home Buyers – Easy Online Mortgage Pre Approval Letter Versus Pre Qualification A pre approval letter is different than a pre qualification letter in a sense borrowers have already been pre approved for a mortgage loan via the Fannie Mae automated underwriting system.
Apply Online – Homeowners Mortgage and Equity, inc – Apply for a Mortgage Online in Minutes! Use our FREE, secure, online loan application to jump-start the loan process and lock in a low mortgage rate in just 10 minutes!
Know This Before Getting Pre-approved for a Mortgage. – The best thing you can do to ensure a smooth mortgage application process is to prepare yourself before you even get pre-approved. Here's how.
Redfin Mortgage expanding to Illinois – Redfin Mortgage currently offers 30-year and 15-year fixed rate mortgages and adjustable rate mortgages, along with fully underwritten pre-approvals. "In the current competitive real estate market, a.
fha streamline refi guidelines FHA cash out refinance guidelines and mortgage rates for 2019 – Below are current fha cash out refinance guidelines including credit score requirements, LTV maximums, and more.. 2018 – 22 min read fha Streamline Refinance Guidelines & Rates September 24,can you get a home loan with no down payment how does the rent to own process work How Does Rent-to-Own Work? | DaveRamsey.com – How Does the Rent-to-Own Process Work? There really isn't a one-size-fits-all option when it comes to the rent-to-own process. However, most rent-to-own transactions involve these components: purchase price. The rent-to-own agreement will specify how and when the purchase price is decided.average monthly mortgage rates current mortgage rates & Home Loans | Zillow – Today's average mortgage rates Here are the latest average rates from multiple lenders who display rates on Zillow. These rates are based on a $300,000 home loan with 20% down and a 740+ credit score.100% Home Loans – No Money Down Mortgage Bad Credit – These no down payment loans are one of the last of the zero down loan programs. Military veterans continue to reap the benefits of first-time home buyer's loans. Learn more about how to get home loan with no down payment. Find out if you are eligible for a 100% financing home loans with the Department of Veterans Affairs.


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And First!
0GEEEEEZ you guys. Its so obvious. Its about being an addict. All the time that was wasted in life with the addiction. "Drop the hourglass of time. Spilling sand we can not find" Time that can not be taken back. "As we gather here today" Meaning addicts gathering in a meeting to stay sober. "We bid farewell. The slave becomes the master." The group of addicts bids farewell to the drug. And the person who USED to be a slave to the drug becomes the master. The master that has OVERCOME the addiction.
Drop the hourglass of time. Spilling Sand we will not find. As we gather here today, we bid farewell, the slave becomes the master.Flag brettlessardon April 10, 2010

subset: commoncrawl


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Applying to VBFS
While incredibly thorough and personalized, we designed our application process to be both engaging and interactive. Below, please find every document needed to begin the application process to VBFS.
Request Application Download
Applying to VBFS
- Fill out an Inquiry Form online at vbfschool.org
- Create a School Cues login via application portal on website:
- Submit online application
- Submit $100 application fee
- Schedule a student day visit
- Submit additional forms
- Release of Records – school records from past year and current first marking period records
- Teacher recommendation forms
- Any educational testing the applicant has completed
- Photo of child (optional)
Affording a Virginia Beach Friends School Education
The Admission Office works hard to make VBFS education accessible to all qualified applicants. Financial aid decision are based on the needs of each family and our financial aid budget. Please find important information regarding the financial aid application process below. The Admission Office understand the financial aid application process can be difficult and is happy to answer any and all questions by contacting Candice Jarden, Chief Financial Officer, at 757.428.7534 or [email protected].
Steps to Complete the Online Parent's Financial System (FACTS)
Visit the FACTS Family Portal at https://online.factsmgt.com/signin/3G91N.
- Create your Family Portal account with your email address and a password.
- Complete a PFS for Academic Year 2020-21. You can log out of the portal at anytime and return later to finish it.
- Once all PFS sections are complete with green checks, the "Submit & Pay" button activates. Follow the prompts to the payment screen. The $45 fee is nonrefundable. Once your PFS is submitted, it cannot be withdrawn from the FACTS system.
- After you pay for and submit your PFS, you have access to the Family Portal's "My Documents" tab to upload required documents as part of your application process. Be sure to submit required document by their deadlines to complete your application.
- We will communicate our financial aid decision to you directly. To make our decision, we use the information from the PFS as a starting point, and we also consider our school policies, practices, and available budget.


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Not-for-profit Executive
Christina Fox chats about stepping into the CEO role at TechAlliance
Photo: Christina Fox
CHRISTINA FOX IS the new CEO of TechAlliance. Established in 2002, the regional innovation centre has an annual budget of about $1.35 million. London provides $200,000 in annual funding. It has 10 full-time staff, seven entrepreneurs-in-residence and a nine-member board of directors, headed by David Ciccarelli of Voices.com. Its annual meeting is October 10 and the public is welcome.
Prior to accepting the position at TechAlliance, Fox worked at 3M Canada as an ecommerce leader. She grew up in London and went to Regina Mundi Catholic College and Western University. She and her husband have a son enrolled at the Ivey Business School. They also have a dog and a cat. She likes reading, travelling, podcasts and live music. Fox works with Youth Opportunities Unlimited and is a past co-chair of Pillar Community Innovation Awards.
Congratulations on your new job. Were you looking for a new challenge or did someone suggest you consider the TechAlliance position?
TechAlliance has a significant opportunity to shape acceleration for our region's tech entrepreneurs. As such, I became interested in, and was encouraged to join, the incredible team of people mobilizing resources to do just that. I am fascinated with global technological advancement and the rise of Canada on this world stage. I believe this role is a perfect convergence of my experience, combined with my network, my interest in collaborative partnership models and an appetite to create further growth in the tech industry. My husband is an entrepreneur, so I have first-hand knowledge of ideation and realization of a plan, while intimately understanding the passion—and lack of sleep—involved with launching a venture.
Do you remember a moment or gadget that first sparked your interest in technology?
Throughout my life, I have been an early adopter, trying new technologies in work and in play. Over the past couple of years, I have been more intrigued by AI. My interest in this space was further heightened as an adjudicator for Canada's Next Top Ad Exec, a case competition for university students where the case was Microsoft Azure and its uptake by higher education as a contemporary learning tool.
What role does TechAlliance have in the city?
TechAlliance's role is to support tech-based innovators, entrepreneurs and business leaders in London and the surrounding region, encompassing Middlesex, Lambton, Elgin, Oxford and Huron Counties. That support ranges from one-on-one mentoring and professional development workshops to working collaboratively with our partners to address the challenges faced by start-ups and growing innovative companies.
Is there a tangible example of the organization performing that role?
Over 400 entrepreneurs and business leaders have graduated from Entrepreneur 1.0, our business boot camp offered in partnership with Ivey Business School. This annual 10-week course is targeted towards start-up and early-stage entrepreneurs and provides an intensive review of the fundamentals of launching a new venture.
Much of what we do as an organization happens under the radar, helping hundreds of entrepreneurs and their businesses each year. When sharing our narrative, we often put the spotlight where it belongs—on the innovators and business leaders bringing new tech to our community. That said, we are going to begin sharing the story of our impact more formally and with greater transparency and regularity.
There have been calls for more transparency regarding TechAlliance's funding and operations. How will you address those concerns?
As a taxpayer-funded organization, TechAlliance takes accountability to funders seriously. This is reflected in the strong relationships we have with our municipal, provincial and federal funding partners. We will continue to report impacts and seek feedback from our clients, members and key stakeholders to ensure continuous improvement models for program delivery as needs evolve. Active feedback has resulted in both incremental improvements as well as the creation of new initiatives, like Tech Talent Exchange and new Grow Accelerator. Interview by Christopher Clark


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I guess we were all wrong. I completed the project with 177 LED's and it actually works with a 9 v battery. Not sure how long but it work for the few minutes I hooked it up. Wire 5 LED's in series with 68 ohm resister for each segment and then wired them all in parallel. I hooked up the 9v battery just to see what would happen. They all lit up bright. I may add more about this later.
Current Draw for 178 RED LED's @ 20ma each. Is this really going to require 12vdc 3560ma power supply? Answered
Want to be sure before I purchase AC/DC Wall Wart. I was thinking a 1000ma supply would be ok. I'm I wrong on that or I'm I missing something.
You're right with your calculation - 3.56 Amps. If you haven't already bought then, consider low current (2mA) LEDs (but don't get them from Maplin - Pricy!)
What are you making?
Making a sign. The real intention was to put into my Truck and run off battery. A 4 amp 12vdc supply would be pricy as well. It needs to be bright. :) But would also like to use with a Wall Wart for inside use as well. I don't guess a LED Driver would help? Any idea?
If you're running off your truck battery, you've got 12VDC at "infinite" amps already :-) Make sure you put a 4A fuse inline with the sign, just in case.
If you're looking at having all LEDs on at once rather than individually controllable (which would be a wiring nightmare), you might be able to do something with these flexible LED strips. The ones I looked at draw 100mA for a 15 strip, so total would be a bit over an amp. They're meant for auto use so should be bright enough.
Well, I did find on eBay some 4amp 12vdc supplies for around $12.50. Not too bad. LapTop Supplies. But something less expensive would be better.
Yes. Current adds linearly, and your calculator has told the truth: 178×20 = 3560 = 3.56 amps. You will need a 4A rated power supply. Or, as AndyGadget suggested, get yourself low-current LEDs instead.


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Trafalgar is reminding travel agents that its 10% early payment discount (EPD) on all 2019 Europe & Britain Guided Vacations is set to expire on 31JAN.
"The digital age has fuelled the perception that clients will enjoy the best prices if they wait until the last minute to book. This simply isn't the case with Trafalgar," said Gavin Tollman, Trafalgar CEO. "The time for loyal Canadian agents to take advantage of our best prices for their clients on 2019 travel is now, using our EPD deals."
Trafalgar is offering a number of 'Be My Guest' local experiences throughout Europe and Britain, including dining with an Italian Count in his villa, exploring a Norwegian farmhouse once held by kings, and exploring the 17th century French homestead of one of President Kennedy's advisors. Other inclusions like hands-on cooking lessons with local chefs in Paris and Florence, and dining after-hours in the Vatican, are also a few of the opportunities available on Trafalgar's itineraries.


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The 200- to 300-seat theater, built in a classical Roman style, was found directly below Wilson's Arch, which is connected to the Western Wall. The structure is the first Roman public building ever discovered in the city, and it changes archaeologists' perceptions of Roman-conquered Jerusalem after the fall of the Second Temple.
Israel Antiquity Authority (IAA) archaeologist Dr. Joe Uziel described the discovery as "a real drama", noting that also there were indications such structures existed in the city, none had been unveiled in 150 years of modern archaeological research. Uziel and his colleagues said at a subterranean press conference in the Western Wall tunnel complex that their entire understanding of the whole Roman city had changed.
Archaeologists uncover remains of theater-like structure hidden beneath Jerusalem's Western Wall for 1,700 yrs https://t.co/z4CWnORlXf pic.twitter.com/zYD5YjiDE0— David Hulme (@DrDavidHulme) 16 октября 2017 г.
"Now we saw there was leisure, entertainment under Wilson's Arch," said IAA excavation director Tehillah Lieberman.
The Western Wall is among the last remnants of the remaining structures surrounding the Second Jewish Temple until its destruction by the Romans in 70 CE. It is the holiest site where Jews are permitted to pray. Uziel pointed out that although he always found it "extremely exciting" to be able to expose parts of the landmark, stumbling into something he never even expected to be there particularly thrilled him.
"It's probably the most important archaeological site in the country, the first public structure from the Roman period of Jerusalem," said Uziel's colleague, Yuval Baruch. "We know a lot about dwelling houses, a lot about installations, water systems, roads, streets but this is the first time we can present to the public a Roman public structure."
According to Uziel, the newly unearthed building "dates pretty solidly to the late Roman period." It could either serve as a meeting chamber for Roman administrative officials or as a concert venue.
The excavations are expected to continue until next spring, with archaeologists hoping to reach First Temple-period remains.


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Bubble Factory Blue Raspberry eJuice
Blue Raspberry is a superb e-liquid by Bubble Factory. This vape juice has the flavor of ripe blue raspberries, and chewy bubble gum.
Blue Raspberry is a delicate ejuice that is produced with high-quality ingredients. This vape juice has a superb taste that is very organic. When you vape this e-liquid, you do not have to concern yourself with chemical flavors. This e-liquid has a pleasant taste that will leave a lasting impression on your taste buds. Blue Raspberry is the kind of vape juice that you need during the summer.
Blue Raspberry by Bubble Factory makes for a pleasant vaping experience. The inhale of this ejuice is just as delicate as the exhale. When you take a hit of this e-liquid, it is the taste of the ripe raspberry flavor that comes alive. And the berry flavor has an organic sweetness that blends with the bubble gum on the exhale. Even the aftertaste of this vape juice is superb and has a long-lasting effect.


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Guest Submissions
We are only considering U.S. Blogger GUEST submissions at this time. While it's not guaranteed the content will be published, we take every submission into consideration as we want the content to be relevant to our blog and our readers.
Here is the required format for guest submissions. The posts must be of high quality with very minimal errors for editing. All submissions not following that format as well as the format below, will be rejected. Thank you!
- Must be 400-1000 words.
- Must be a fun, yet informative conversational tone.
- Includes 2-4 high res images
- Must include at least 1-2 external links relevant to the post.
- Must include a brief bio (100 words)
- Must include a profile pic
- Must include 1 link to a business or personal website or social media platform.
- Must share with 3 social networks (or 3 times with any social network) after the post is published.
Please submit posts to firstname.lastname@example.com or email@example.com


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It's Tuesday at VMworld, and it's been an action-packed last couple of days, the blogs and tweets going to the outside world can hardly contain the awesome we are seeing here. Yesterday Purnima Padmanabhan presented in the Hybrid Cloud Keynote about the future of VMware cloud management products and services. One of the high points is the upcoming vRealize Operations Cloud. Imagine all of the features of the popular vRealize Operations (everybody's favorite self driving ops platform) but delivered "as a service", in the cloud!
On Weds. 8/28 at 1PM, The vRealize Operations team will be presenting a tech preview of this new service, and will be getting into a much deeper dive of some of it's features.
Check out and register for this session HBO1183BU here: Introducing vRealize Operations Cloud
There is still space for this session so get registered while there is still room!


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How To Cook Frozen Stuffed Shells
How To Cook Frozen Stuffed Shells
How to cook frozen stuffed shells is likely to make the cooking cupboards seem different. It might save your valuable financial plan should you are doing that on your own or more well known with do it yourself undertaking. It cannot be refused if this project isn't like super easy. You need certain gear and substances before doing so undertaking. Do not worry as internet today supplies the most useful references in the event that you should know about tools, equipment, and substances you should obtain. Aside from that, hardwood is a lot of this must buy item. It should be done since the wood is like the most important material inside this undertaking.
Once you moved right into flat, how to cook frozen stuffed crab shells almost certainly you've got the flat together with color faded cupboards. It's more economical in the event you use contact paper to pay for the how to cook frozen stuffed crab shells cabinets compared to utilizing the paint. Con-Tact paper additionally available in different how to cook frozen stuffed crab shells colours and layouts, you may select whatever you like. Just make sure that this touch do not damage the how to cook frozen stuffed crab shells cabinet when you eliminate it.
Why Did Marcella Leave The Cooking
Paint darker grey paint to create stain look how to cook frozen stuffed shells in a crock pot around the cupboards. Wipe away the blot using a rag after applying, so the blot will stick to the edges and corners. Employ any quantity you would like based on just how much the outcome you need to create. The antique will undoubtedly be more noticeable as more stain implemented. Make it possible for the paint dry and then reattach the doorways in How to cook frozen stuffed shells once it's been totally dry.
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The role of paint isn't just how to cook premade frozen stuffed shells for contributing color to the cooking cabinet but in addition gives the others benefit as lasting, mold resistant, etc.,. For this reason, it is very important for you to choose How to cook frozen stuffed shells and comprehend exactly what you've got expected about your ideal cooking cupboard, not merely the great thing about along with but likewise the lasting facet too. Then, the following solution is drinking water . You aren't going to discover strong smell out of that type review into this petroleum based sort. Besides that, the drinking water based latex type is not difficult to clean, then when the cooking cupboard has stain out of the all cooking process, you simply have to wash it with simple cleaning soap soap and towel.
Tagged as: how to cook frozen stuffed clam shells, how to cook frozen stuffed shells in a crock pot


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Welcome to the online community. Because of the built-in security features, you must first register and be approved before accessing many site sections.If you are not yet a member of WDMA, please contact Meg Czaikoski,
Director of Membership or continue your registration as a guest.
If you are already a WDMA member, please enter your login information below or click the link below if you forgot your password.
Remember Me
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seminars and courses
Felchlin offers diverse day courses for chocolatiers, pastry chefs, bakers and confectioners in their schooling centre Condirama. In addition to world renowned external course leaders Felchlin's own specialists also share their profound knowledge.
International exchange of knowledge
Our world wide distributors regularly invite selected clients to participate in multi-day seminars in Condirama. The focus of these seminars is the exchange of information between specialists, the creation of new ideas and the realisation of exceptional recipes. The seminars also offer the opportunity to create recipes specifically to meet the preferences of individual countries.
To secure and continually improve on the high quality of our products, a schooled palate and refined sense of smell is necessary in addition to flawless raw ingredients. Our experienced sensory team trains regularly to ensure they can recognize and define the finest nuances.
application tests
When developing a product we consider all application possibilities in order to satisfy the high demands from the marketplace. Our specialists work with the development team and conduct a variety of application tests.
Development of recipes and concepts
We develop new recipes and ideas in our Condirama. Our creative specialists test new taste combinations and adapt classical recipes to meet current trends. Couverture from different origins constantly inspire our team anew.
professional competence
Felchlin world wide
Important aspects for the international market are demonstrations and events which we plan and conduct together with our distributors. Our distributors often combine their Felchlin visit with in-house training. Felchlin specialists travel to present new products, recipes and applications on location. Incorporating the Felchlin Aroma World, clients are guided on a journey into the world of noble chocolate and learn about the passion and enthusiasm we exercise while practicing our handcraft.
Recipes and range
We support our clients when they create their individual chocolate specialties with passion and perfectionism – from the idea to the application. We advise on the character, structure and flavour of pralines and assist with the selection of new praline ranges including their successful launch so that you can enthral your clients with your variety.
Product launch
Would you like to introduce a new product or product range? We can support you on location by actively working with you and your employees to show the most rational production methodology and subtleties in accordance with your requirements and expectations.
Sales schooling
It requires more than the perfect product to successfully market exceptional specialties. To assist in the presentation and sale of your products, we introduce your employees to the secrets of chocolate in a one to two hour schooling which can be conducted internally or externally. Naturally your own wishes and creations are taken into consideration. Our international clients can enjoy the schooling in conjunction with a client visit or on location.


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'Milford Haven School is dedicated to raising the standards of literacy and numeracy for all learners, so that they develop the skills necessary to cope confidently with the demands of further education, employment and adult life. We aim to achieve this through high quality teaching and learning opportunities and a rich intervention programme to engage, develop and inspire learners. Milford Haven School is committed to helping everyone reach their potential, reducing inequality and improving economic and social well-being, and the development of excellent literacy and numeracy skills are at the heart of this commitment.
All pupils in Years 7, 8 and 9 will sit literacy and numeracy tests. Your child's teachers have been teaching the skills for these tests and familiarising your child with the test format. Your child will be informed of the day each test will be taken. Parents will receive the test results in the summer term with your child's report.
For further information please click here for the Welsh Government guide which provides parents/carers with information explaining what the tests involve and how the results will be reported.
Should you have any concerns about your child's literacy and, or numeracy skills development then please do not hesitate to contact your child's English and, or Maths teacher.


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(BRISBANE, AUSTRALIA – 2 December 2019) MPower MSL (ASX:MPW) (MSL) today announced that Independent Liquor Group (ILG), Australia's largest liquor co‑op, has partnered with MSL to offer bundled Point of Sale (POS) solutions for their members across New South Wales, Queensland and the Australian Capital Territory.
ILG worked with MSL to create bundled POS technology offers that include hardware, software, services and ongoing support to provide their members with better choice and flexibility of suppliers. ILG members can deliver an enhanced customer experience with the new POS technology, which includes an inbuilt promotional file importing solution and loyalty system, as well as fast service times and a range of payment options.
ILG member, Super Cellars Banksia, a flagship store for Super Cellars and ILG, opened last month and is the first store of its kind in NSW. The store is a market leader across all areas of retail operations and is using MPower POS technology. The store will act as both a trading store, as well as a training facility for other ILG members to allow them to see best practise sales and marketing activity in operation in store.
'ILG is committed to providing market leading supplier choice to our members', said Pat Kenny, NSW/VIC Sales Manager, ILG, 'We look forward to partnering with MSL to provide our members with access to market leading POS technology to enable them to continue to provide excellent service to their customers.
'We are excited to be working with Australia's largest liquor co-op', said Suzanne Pelizzari, Executive General Manger, Sales, Marketing & Partnerships, MSL, 'Our innovative POS technology delivers ILG members custom-built POS bundles that are ideally suited the unique needs of the retail liquor market.' MPower MSL is a global provider of hosted, SaaS and on-site solutions to clients in the sport, leisure, and hospitality sector. We serve more than 1,220 organisations in over 25 countries across APAC, EMEA and North America. With a single view of the customer, MSL remove the silos that traditionally exist across the operational layer and empowers operators to perform the appropriate strategic analysis required to deliver better products and services and new levels of brand loyalty in real time.


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The job of your collet chuck is to hold your bit in place, acting as a sleeve or collar to minimize vibrations and keep your bit steady as you work. Like other types of chucks, collets occasionally need to be replaced. There are a few tell-tale signs that it's time to start looking for a new collet for your rig.
Why Do Collets Wear Out?
As with anything that has continuous metal-on-metal contact, collets wear out over time – it's not necessarily indicative of failure on your part. Improper maintenance can, however, contribute to a sooner-than-expected collet failure. Routinely remove pitch and dust from your collet with a rag dampened with cleaning solution. A nylon or brass-bristle brush can collect minute particles in close areas. When you clean your collet, inspect it for scratches, dings, abrasion, and damage. If necessary, use a bronze cleaning brush, #0000 steel wool or a synthetic scouring pad to remove burrs, nicks or scratches from the collet to increase its lifespan.
It's Not as Tight as It Used to Be
The biggest giveaway that it's time to invest in a new collet chuck is that it's just not gripping your bit as tightly as it used to or should be. If you tighten your collet every which way and still can't get a good grip on your bit, it's time for a new one. Tightening a collet without a bit in place can lead to premature collet failure and loosening, so avoid doing that whenever possible.
It's Harder to Adjust
Like any piece of equipment that you move to adjust or readjust, it may be time for a replacement if you're having a hard time getting your collet to move when you want it to. Stripped internal threading can make it hard to tighten a collet, while corroded or gummed up threads make it hard to remove or loosen your collet. Once removed from your router, inspect your collet for wear and tear. If a visual inspection reveals that it's seen better days, get yourself a new one.
It's Misshapen or Malformed
Some people are harder on their equipment than others. If your collet is banged up, has a lot of dings or is visibly a different shape than it should be, it's time to invest in a new one. Misshapen or malformed collets can be difficult to get off your router, so don't place it back on once you've removed it.
You Bought a New Router or Bit
This seems like a no-brainer, but collets are not universal. If you've got a new router to try out or a new bit to play with, make sure your current collet chuck is compatible before using it. While some collets are interchangeable across certain routers, it's best to check your owner's manual or the manufacturer's recommendations before trying to swap collets between setups. When in doubt, grab a new collet for your new router.
Replacing your Collet
With regular cleaning, care, and maintenance you won't need to replace your collet chuck often. If you're experiencing a lot of vibration during your project or an increased run off, it may be time to replace your collet, though. Similarly, if you've invested in a new router or bit set, you may need to buy a new collet rather than swapping out your old one.
How often do you replace your collets?


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The "women's march." But was it? It was supposedly a protest for women's equal rights. But anyone that watches any media source will see photos and video interviews with these women and see the hypocrisy.
I say hypocrisy because of a few things. First, one of the primary organizers, Linda Sarsour. Now, to be absolutely clear, I have no problems with Muslims overall, so we can get rid of that thought process. But, we do have to acknowledge that there is a problem of clashing cultures. People of Islam believe in a little something called Sharia Law.
For those who aren't familiar, Sharia Law is " the law Muslims abide, and believe it's law appointed by God, Allah himself". And communicated through the "Prophet" Muhammad. Sharia Law quite simply is god-awful. It also ties in to the Quran. Both are completely opposed to Western culture. The Quran preaches violence, incest, rape, and the oppression of women. Steal a piece of candy, lose a hand. A woman get's raped, she is punished for being raped. Best not come out as a homosexual, you'll be thrown off a roof top. If you leave the religion of Islam, they consider it justified to KILL you.
That's a small summary of the problems with Islam and Sharia. But it relates to this women's march because the organizer for mentioned is affiliated with the Muslim Brotherhood, and endorses Sharia Law. Oh, and she advocates for it here in the United States! It's bad enough they have Sharia courts in the U.K. But here in the states, we aren't having it!
These useful idiot feminists go to this "women's march," and they're supporting Sharia Law, Islam, wearing hijabs, and at the same time preaching for MORE equality. Now from what you've learned does Sharia Law sound like something you feminists would really want!? The answers NO. And you even see women of color protesting with signs " Remember, white women voted for Trump."
Now, here's another issue. I thought it was about bringing women together, and equality. But you are supporting a way of life that treats women like 2nd class citizens. You preach equality, and togetherness but have a black woman complaining about white women being the fault for Trump's election. Even though it's a fact that Trump actually had very impressive numbers from ALL women; white, black, brown. Doesn't matter though, Trump is white. So I guess it's the white women's fault. Please.
Lastly, I will finish with this because it drives me nuts to see how stupid these people really are. You see the "Anti-Trumpers". Signs and speech about how their "pussy will grab back", and these wanna-be super heroes pretending they're fighting Nazi's. Oh, the white man is evil ! Give me a break. And this is coming from a man that sees both sides when it comes to race. My mother is Hispanic and my father is white. There is NO such thing as white privilege. And we do not have a racist and/or sexist society here in the west. The west is the best! [ Well the U.K. need to grow a pair ]. But other than that no one with sanity and a functioning brain can say that isn't true. There is no wage gap, and ALL lives matter. Stop with the straw man talking points and let's make America great again.


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Microsoft Corp. (NASDAQ:MSFT) Surface Pro 4 is by far the best Surface device the company has created and is also the most sold tablet to date from the tech giant. The Surface Pro 4 released last year and rumors continue to circulate about the possible arrival ofA Surface Pro 5 sometime this year. There are rumors that the Surface Pro 5 would be arriving in 2017 as Microsoft is waiting for Intel Corp.'s (NASDAQ:INTC) Kaby Lake chipsets which are expected to be released by the end of 2016.
However, a new image recently discovered claims that Microsoft is planning to release a Surface device later this year. The picture which shows a wall in Microsoft's Building 88 has placeholders for the upcoming Surface devices. Two devices are marked with 2017 while the one marked 2016 says Surface and Coming Soon at the bottom.
According to ZDnet, Microsoft will unveil the new Surface device in October 2016 and this could be the Surface Book 2, Surface 4 or the rumored AIO desktop PC which is expected to rival Apple Inc.'s (NASDAQ:AAPL) iMac. There are also rumors that the new Surface device could debut at the company's Fall 2016 Hardware Event.
Rumors suggest that the launch of the Surface Pro 5 could be delayed until Spring 2017 because that is when the Windows RedStone 2 update is expected to be released. The Surface Pro 5 is rumored to have a 2K Display for the base model and a 4K for the high end model. The RAM on the new Surface Pro 5 is also rumored to top out at 16GB.
There are also rumors that the Surface Pro 5 could be Microsoft's first tablet to make use of USB-C. USB-C is being adopted by premium devices because of its lightning fast charging and data transfers. Reports also indicate that the new device will get a better camera as well as some minor component tweaks.


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Are you looking for ideas to bring life and energy into your wellness program? Have you been feeling "stuck" and looking for creative ideas for how to engage your employees and leadership in your efforts to promote health and wellbeing?
Many organizations have begun to implement wellness programs at their organizations for a variety of reasons. But even companies with the best intentions find themselves struggling with participation and engagement. Whether you have had a wellness program for some time or are just getting started and want to start off as effectively as possible with your messaging and approach, you'll benefit from attending this session.
Learning Objectives:
- Discover how your communication approach may be impeding your ability to make an impact and connect with your employees.
- Learn which strategies work to excite and engage employees rather than scare and repel them.
- Identify one simple question that can generate excitement and creative ideas
- Explore the importance of integrating other initiatives at your company into your wellness branding and approach
- Understand the importance of making it personal.


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T&D Materials manufactures and supplies premium quality round-tipped cemented Tungsten Carbide inserts for snowplowing blades.
Standard diameters include:
- 5/8"
- 3/4"
T&D also offers Tungsten Carbide blade savers for snowplow blades.
Products of custom sizes and thickness are also available upon request.
Please submit a request for quote for complete and accurate pricing for all sizes and dimensions.


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Lambda (uppercase Λ, lowercase λ; Greek: Λάμ(β)δα lam(b)da) is the 11th letter of the Greek alphabet. In the system of Greek numerals lambda has a value of 30. Lambda is related to the Phoenician letter Lamed . Letters in other alphabets that stemmed from lambda include the Latin L and the Cyrillic letter El (Л, л). The ancient grammarians and dramatists give evidence to the pronunciation as (λάβδα) in Classical Greek times.[1] In Modern Greek the name of the letter, Λάμδα, is pronounced ; the spoken letter itself has the sound of [l] as with Latinate "L".
In early Greek alphabets, the shape and orientation of lambda varied.[2] Most variants consisted of two straight strokes, one longer than the other, connected at their ends. The angle might be in the upper-left, lower-left ("Western" alphabets), or top ("Eastern" alphabets). Other variants had a vertical line with a horizontal or sloped stroke running to the right. With the general adoption of the Ionic alphabet, Greek settled on an angle at the top; the Romans put the angle at the lower-left.
The HTML 4 character entity references for the Greek capital and small letter lambda are "Λ" and "λ", respectively.[3] The Unicode number for lambda is 03BB.
>>> list = ['woman', 'man', 'horse', 'boat', 'plane', 'dog']
>>> sorted(list, key = lambda word: (word[-1]))
['horse', 'plane', 'dog', 'woman', 'man', 'boat']
Unicode uses the spelling "lamda" in character names, instead of "lambda".
These characters are used only as mathematical symbols. Stylized Greek text should be encoded using the normal Greek letters, with markup and formatting to indicate text style.
Cryptography, Artificial intelligence, Software engineering, Science, Machine learning
Hangul, Ascii, Utf-8, Utf-16, Microsoft
Probability theory, Regression analysis, Mathematics, Observational study, Calculus
Ἀ, American English, Greek language, Latin alphabet, Sigma
Greek alphabet, Latin alphabet, Hebrew alphabet, Hangul, Syriac alphabet
Tau, ʹ, Beta, ALA-LC romanization, Gamma
Valve Corporation, PlayStation 2, Linux, Dreamcast, Gearbox Software
White nationalism, Nazism, Lambda, France, Antisemitism
Greek alphabet, Greece, Cyprus, Armenia, Christianity
Valve Corporation, The Orange Box, Sierra Entertainment, PlayStation 3, Gearbox Software


text: Heather Erson Photography specializes in Jackson Hole wedding photography in Grand Teton National Park, Jackson Lake Lodge, Jackson Hole Golf and Tennis Club, Jackson Hole Mountain Resort, Teton Village, Diamond Cross Ranch, and Yellowstone National Park. We will also travel around the world to photograph your wedding. Every Jackson Hole elopement or Jackson Hole wedding is original so feel free to contact us for a custom quote.


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all all-rugs container_lerato portfolio portfolio-new all-products wool
Lerato - Pebble
Mohair creates the subtle patternless tufted design and invites relaxation.
Perfect for any bedroom, study, or living room setting.
- Construction: Tufted
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- Standard Lead Time: 10-12 Weeks
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- Made in Fall River, USA


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Price: $50.00
Quantity: 1 available
Book Condition: Very Good+
Light rubbing to extremities. Front hinge started. Previous owner's name first blank page; Blue boards with gilt design. Top edge gilt. Frontispiece tissue protected. Entertaining story of an Italian gentleman touring Spain; B&W Illustrations; 8vo; 438 pages
Title: SPAIN AND THE SPANIARDS
Categories: Spain, Available Inventory,
Publisher: New York, Putnam: 1881
Binding: Hardcover
Book Condition: Very Good+
Item: 1.00 Item
Order Number: 3564


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Here are more than 10 cool things to do over the Heritage weekend
So, people in Cape Town always wonder what they can get up to over a long weekend such as the one over Heritage Day, especially because the weather isn't so fabulous here at the moment…
Weather Forecast for Cape Town Over Heritage Weekend
Saturday 23 September 2017 – 20 degrees Celsius
Sunday 24 September 2017 (Heritage Day) 20 degrees Celsius
Monday 25 September 2017 20 degrees Celsius
Heritage Day / Weekend Ideas
Saturday is a perfect day to ease into the long weekend. I would definitely head to my favourite wine farm for a nice lunch. Wine-tasting is also a must. Here are few of my current favourites things to do:
Buitenverwachting, Constantia
Buitenverwachting is a cool spot for wine tasting lunch and picnics. Purchase a basket (you might need to book in advance) and enjoy the warm sun on the lush green lawns. I would definitely purchase a bottle of Buiten Blanc to enjoy peacefully with loved ones. Look, you can even do this on Heritage Day if you feel like you are tired of the braai scene.
Constantia Glen & Hout Bay Market
Constantia Glen is is also another great spot to relax and enjoy the finer things that the Mother City has to offer. You can have a cheese platter as you sip on their fine wine or order something more substantial from their lunch menu, the choice is always yours. What I like about the Constantia wine route is that it's still very central so you don't really have to venture out too far.
It's also quite close to Hout Bay so you can decide to spend the morning at the Hout Bay Market. Enjoy a delicious breakfast and then browse through the wonderfully hand-crafted bits and bobs as you slowly purchase items that you don't really need or never intended to buy (i'm speaking for myself here). They also have live music playing the entire time which creates is an awesome vibe. Hey, again you can do this on Heritage Day if you prefer, no one is holding braai tongs to your neck, so feel free to explore other options!
Lanzerac: Meat Platter, Chocolate & Wine Tasting
So Lanzerac is a super beautiful wine farm and hotel that recently got devastated by a fire, needless to say they still have a wine tasting section as well as a deli that features a lovely courtyard-the perfect setting to catch up with family or friends. It's very peaceful up there and my personal favourite is the meat platter which I usually enjoy with a glass of Rosé. The chocolate and wine tasting is also a very cool thing to do on Saturdays or even on Heritage Day.
Some other places I really like and would recommend are: Cape Point Vineyards, Noordhoek Beach, The Vineyard Hotel, Babylonstoren, The Old Biscuit Mill Spier Wine Farm, Hermanus Wine Route, Blauklippen, Holden Manz and many more!
Braai at Oudekraal & even more options…
Since Sunday is officially Heritage Day then I would head out to a beach or cool braai spot like Oudekraal. Spend the day enjoying the warm sun with friends and family. Who knows, with Cape Town the weather, it might even turn out to be a bit hotter and if you get toasty enough you can enjoy swimming in one of the beach pools in the area.
Monday may be a bit chilly but, I would still go to the newly opened Museum of Contemporary Art (Zeitz MOCAA) at the Victoria and Alfred Waterfront which is FREE over the Heritage weekend! Score! To end off the weekend try the Cape Town Magic Club at the Taj. Head to Twanky Bar afterwards for a night cap to seal the Heritage weekend…
Happy Heritage Month South Africa!


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Bury Ditches walk from Brockton
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Route Summary:
|8.69 km
|290 m
Calculate the time using Naismith's Rule and factor in your own pace.
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Bury Ditches walk from Brockton Route Map and GPX DownloadDownload file for GPS
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Summits and Places on this Route
- Fegg Hill - 2.1km
- Dove Hill - 2.3km
- Woodside Hill - 2.9km
- Easthope Wood - 3.1km
- Bourton Westwood - 4.7km
Places Nearby:
- Pistyll Rhaeadr - 61.8km
- Arenig Bothy - 85.6km
- Cronfa Alwen Reservoir - 85.7km
- Llyn Brenig - 86.3km
- Penrhos Bothy - 88.9km
Bury Ditches walk from Brockton Details
An easy walk to the dramatic hill fort of Bury Ditches.
The Shropshire hills are a convenient get away if you want a hilly walk but the mountains of Snowdonia and the Lakes are too far to travel for the weekend.
The Route
Click here to view the full description.


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13 April 2016
TIP: Exploring Exotic Pentatonic Tunings - p6
More about using the 5th
The 5th interval is so important that an entire book could be written on it alone. The attention and time you devote to learning and practicing with it is much more than valuable. Let me hear from you about how you are absorbing and growing with this essential knowledge, which will underscore most of your kalimba endeavors
The 5th is such a significant interval that it tends to show up all through the scale, not just between the "1" and the "5". If you can learn the other pairs of notes on your kalimba that also make 5th intervals, you can bring all of the power of the 5th interval in to other sounds and chords, adding depth and breadth to your playing.
Between the "2" note and the "6" note is also a 5th interval, and you can do the same exercise on those tines as you have done on the "1" and "5". "3-" and "7-" make a 5th, as do "3" and "7". And similarly, "4" and "8" make a 5th interval - but "8" is the same note as "1". Keep going higher - "5" and "9" make a 5th interval, but "9" is the same as "2" - so play the exercise with "5" and "2". And there are others as well.
There are so many strong and rich and essential combinations of two notes that you can spend hours exploring this. Whenever you find a 5th interval on your kalimba, make a note of it.
Here's that exercise again: Find all the notes labeled "1" and "5" (there will be at least three, probably four or more notes in all, depending on how many tines you have). Create melodies and patterns that use only those notes. The strong 5th interval comes through in the music you make with those notes. And when you can't take it anymore, find another pair of tines that also makes the 5th interval, find all notes of the same name and number, and create new patterns out of those notes. The very last paragraph of the last tip, P5, has some great instructions for doing these, worth reading over for a little inspiration.
"Floaty Kalimba" on the F7 Bebey tuned pentatonic kalimba.
"Peaceful Mystery" on the G Ake Bono tuned pentatonic kalimba.
"Malian Blues" on the G minor pentatonic kalimba.


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From C to C: Chinese Canadian Stories of Migration
Airing Saturday July 16th at 5 pm on CBC (Channel 3), "From C to C" is a documentary film which contrasts the struggles of early Chinese migrants to Canada with the experience of Chinese Canadian youth today. The documentary was produced by Simon Fraser University and S.U.C.C.E.S.S.
More information is available on the C to C website, including an historical timeline, and sections on current issues and personal stories.
Posted on July 8th, 2011 by sromkey


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The Rhinoceros. Doesn't it give you goose bumps thinking about the swanky restaurant just off Jefferson? Make a right on Riopelle where when you arrived, a valet attendant would open your door and park your car in an area of town that wasn't the greatest — but you never had to worry about your vehicle.
Once inside, you could feel the energy of a pianist playing or the way the bartender would tend to your every need. Many times I was introduced to Norm Schwartz, the owner at the time. After I became a frequent visitor, he handed me my very own "Rhinoceros Card" (it entitled me to various discounts).
The era was the late '80s, early '90s — you dressed your best and dressed to impress at this small yet distinguished club/restaurant. I was in my late 20s, but would get the same treatment as those senior to me.
My favorite dish was the shrimp sandwich — always delivered to perfection. I enjoyed washing it down with a Fischer's beer or a French 75 (cocktail).
One night, I noticed exquisite art on the walls and was informed it was available for sale. After copious amounts of Fischer's, I had my eye on the prize. I still have that print hanging in my house. It makes me smile remembering times spent at a hidden gem.
— Brian Bobbie, Windsor, Ontario
Do you have a story of a long-gone restaurant from metro Detroit's storied past? Share your anecdotes of memorable meals or restaurant people — but don't wax too poetic. We're only talking 200-300 words. We'll give a $100 gift certificate to a "modern" restaurant in town to the author of items we publish. Email us at email@example.com or snail mail us at 117 W. Third St., Royal Oak, MI 48067. Just
put "Deja Food" on the subject line or envelope.


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Madeleine McCann disappeared on Thursday, May 3rd, 2007, and as the seventh anniversary of her disappearance draws near, her parents say they have not given up hope of finding their little girl. Kate and Gerry McCann told reporters that they are still looking for little Madeleine, stating that they need to know if their daughter is alive or dead.
Both Kate and Gerry McCann have appeared in a number of interviews over the past few months, let alone the past few years. In their recent interviews, the parents of Madeleine McCann have said repeatedly that they won't give up their search for their daughter, who would turn 11 this year. According to NBC News, the McCann's believe that no parent should give up hope.
"I don't think any parent would (give up)," Kate McCann told the U.K.'s ITV show Lorraine, on Thursday according to NBC News. "If we haven't found Madeleine or we haven't found what happened then we haven't done enough. There is still work to be done."
According to BBC News, the McCann's have been frustrated with the investigation efforts, especially when it comes to a lack of a "joint inquiry" between the British and Portuguese police. According to the report, the Portuguese police seem to have them the most frustrated. "What is very, very clear is that there are lots of lines of inquiry and a lot of further work needs to be done in Portugal," said Gerry McCann.
"To us, it makes sense that the two police forces should work together, to have a more streamlined approach to avoid duplication and basically to progress the investigation at a faster pace," Kate McCann added.
A recent report by The Inquisitr stated that new evidence has breathed new life into the case. According to the report, Scotland Yard officials have identified a new suspect in the disappearance of Madeleine McCann. Authorities believe that the suspect broke into numerous vacation homes between the years of 2004 and 2006.
"Officials believe he is a local, who preyed on families vacationing in Portugal. Within a period of five years, the man broke into at least four villas and sexually assaulted five little girls in their beds."
Reports state that the identity of the suspect is still unknown, though authorities have noted several distinct attributes. According to The Inquisitr, "The man is believed to be a local, who specifically preys on young white girls under the age of 10. The suspect is described a[s] tanned with dark hair and a 'pot belly.' Several victims noted that the man 'had a noticeable odor. The man spoke English. However, he had a noticeable accent. The victims said his speech pattern was 'slow or possibly slurred.'"
This new evidence has given hope to the family of Madeleine McCann, and according to ABC News, Kate and Gerry hope that the mystery behind Madeleine's disappearance will soon be solved. "We have adapted, but still the weeks and months rolling by," Kate McCann said. "We want the progress that's been made to continue."
[Images via Mkalty.org]


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LEE'S SUMMIT, Mo. -- Working outside poses a challenge on a day when a heat advisory will be in effect during the afternoon.
That's why those who must be outdoors started early in the morning, trying to get their jobs completed now.
Construction crews near Colbern Road and I-470 are using new tools to counter the dangers posed by extreme conditions.
On highway jobs like this one, not only do workers have to worry about speeding traffic right next to them, but high heat and humidity can lead to heat exhaustion before you recognize the symptoms.
That's why the Missouri Department of Transportation gives out specially formulated hydration freeze pops to crews on days that are very hot.
The refreshment is sugar free, low calorie and provides electrolytes that help cool a body and lift spirits.
"Already this morning, right now it's 110 degrees on the black pavement," said Eric Ramsey, MoDOT district safety manager. "By this afternoon it will be 120 to 150 degrees on the pavement. You add to that the machinery and the equipment being used and the tasks being done, it's really a hot job for MoDOT workers."
Technology plays a role in monitoring extreme conditions. MoDOT supervisors carry a heat gun, that shoots a laser beam down to the pavement and tells them just how hot the surface is where they're working.
Rigorous tasks are scheduled as early as 6 a.m., when your body can better handle sweating. And workers keep an eye on each other. When someone stops sweating in stifling conditions it's usually a warning sign of a heat injury.


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StandardAI.zip source was updated.
Exit From Early Access, Onward to Full Release
Well, I guess it is officially a game. Build 14 marks version P 5.0.14 where the P stands for "Production". Just what does this mean?
It means my belief is the game has reach a high level of stability/quality, which was the primary goal of Early Access. That does not mean it is perfect, but you should be able to play many hours bug free I hope. (If you do find an issue, as always let me know). The map/scenario uploading is in place, and I do have people looking over and using the open source AI code. So I know it will never be perfect, but as of now the game is considered in "Full Release".
Version P 5.0.14 (still known as build 14 to all of you 'insiders'), has not made a ton of changes, but there were a couple of notable additions:
Waypoints – Map labels now hove the ability to contain one of eight key-bindable waypoints. When you set the key for a waypoint in your keybinds, and then in game assign a map label to a location, and assign that waypoint to that label, pressing the key will center the map to that location (regardless of whether or not the label is displayed). So you have up to potentially 8 hot key locations to zoom to.
Map Editor Copy And Paste – this is pretty rudimentary, but you can now define a rectangular region and copy the objects in that region (terrain, cities, units), and them paste them elsewhere on the map. You can also rotate this rectangle when pasting. What fun!
The remaining fixes and changes were pretty minor, though there was a network marshaling error, which now advances our network protocol value to "2". There were also some issues with group orders in network play that needed to be cleaned out.
The full patch notes list is posted here: http://killerbeesoftware.com/edce/dev/
There were some fixes to the AI players, so there will also be an update to the AI source code later on June 1st.
I will of course continue to work on fixes an some changes, and it is possible other things will get added. In other work I am currently working on a prototype for The Perfect General, and I will pass information along about that if it seems to be taking shape. Also, now that I am out of EA, I plan on exploring Android/iOS possibilities. Earlier this year I did build an apk, (Android), but decided to wait for this Full Release before pursuing it further.
So I am quite pleased with the game. It is quite a lot of fun, as it has been for a long time. I hope you enjoy it as much as I do.
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If there's ever been a truly iconic laptop in the Windows world, it's the ThinkPad. Designed by Richard Sapper for IBM back in 1992, the ThinkPad's clean lines and no-nonsense look made it a favorite among business users.
Twenty three years since the original was launched, Lenovo wants to bring back the classic ThinkPad with all-new internals and a few tweaks to honor its heritage.
In a blog post, Lenovo's vice president of corporate identity and design David Hill shared renders of a special ThinkPad model with a seven-row keyboard, a blue Enter key, a 16:10 aspect ratio screen, dedicated volume controls, exposed screws and numerous status LEDs.
He also proposed the use of rubberized paint that gave the original ThinkPad its unmistakable finish, as well as a multi-color ThinkPad logo featuring the red, blue and green hues that graced IBM's wordmark on previous models.
Taking cues from the X300 released in 2008, the concept also has room for not one, but two ThinkLights above the display. Hill estimates that Lenovo could fit it all into a chassis 18 millimeters thick.
The concept is a solid effort that pays tribute to the memorable ThinkPad, while updating it for today's users. Here's what the device looked like back in 1992:
For now, it's only an idea. Lenovo is hoping to receive feedback on whether it should build the device. If you're a fan of the classic ThinkPad, let the company know with a comment on Hill's blog post.
➤ ThinkPad Time Machine? [Lenovo Blog]
Read next: Uber's first ever blog posts are a fascinating read
Article image credit: Richard Sapper
For more gear, gadget, and hardware news and reviews, follow Plugged on Twitter and Flipboard.
Published June 26, 2015 — 12:33 UTC


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WARNING: This post contains spoilers for Avengers: Infinity War, obviously.
After somehow keeping that ending to 'Infinity War' a secret - aside from Mark Ruffalo's slip-up which somehow went unnoticed - Marvel is having a tougher time keeping spoilers for 'Avengers 4' under wraps.
Star-Lord himself, Chris Pratt, recently dropped a potential spoiler on Instagram after confirming that he and the rest of the Guardians of the Galaxy are gearing up to shoot a third instalment in the franchise - despite almost every member turning to ash at the end of IW.
And now Gwyneth Paltrow, AKA Pepper Potts, has revealed a major plot point for the eagerly-anticipated comic book movie.
During her one scene in 'Infinity War', Tony Stark discusses a detailed nightmare he had about Pepper being pregnant, before she assured him there was no child on the way.
Many viewers interpreted this exchange as a bit of foreshadowing for a twist being saved for Avengers 4, but it seems Paltrow has now confirmed the big surprise.
Twitter user ashley_renae shared an image from the official Infinity War magazine that featured a snippet of an interview with Paltrow who was discussing the evolution of Tony and Pepper's relationship and somehow managed to drop numerous spoilers.
"Pepper and Tony have had a real long journey together," Paltrow said. "She obviously starts as his dutiful assistant, and then the relationship evolves, and now this decade later they're married, and they have a child.
"Their relationship has evolved in all of the ways that great romances evolve."
Perhaps the biggest surprise is that the leak came from an official Marvel magazine of all places, but it would make a lot of sense for Tony's character arc if he was to turn from carefree playboy to dutiful father over the course of 11 years and 19 movies in the MCU.
The slip-up also seems to confirm a popular fan theory that 'Avengers 4' will feature a time-jump, as Tony and Pepper are not yet married in 'Infinity War', with Tony telling Wong that he's "invited to the wedding".
If Avengers 4 does take place some years in the future, it would mean that the remaining members have had to come to terms with Thanos' victory and that the entire universe would have moved forward after half the population was wiped out.
Although we now know that Pepper survived the snap, with her and Tony attempting to move on with their lives.


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ASuop Hosts Trip to Honolulu
Earlier this month, Pacific proudly continued its long tradition of providing a fun, educational experience at an affordable rate. This past spring break, all students had the opportunity to take part in the UOP's eleventh university-wide trip. This year's chosen destination was Honolulu.
"This trip to Hawaii was selected because the team thought it was a great opportunity," said ASuop representative Jennifer Low. "We got some really good group rates to make it affordable for students."
Previous programs, which began with a trip to Las Vegas and have since included a cruise to Mexico and a venture to Disney World, have been chosen on a similar basis. According to Low, the purpose of ASuop's spring break trips have always been to use travel as a means of enjoyable education that extends beyond the classroom by exposing students firsthand to different parts of the world.
"The purpose of the trip has always been to expand the students' opportunities for different activities or experiences, and so through this trip we are hoping that students are able to visit somewhere that they wouldn't normally be able to visit, providing access to a location that's still exciting for spring break, but still safe and providing education along with it," says Low.
Several measures have been taken to ensure that the trip is affordable for all students. Although ASuop covers only the cost of the mandatory event and leaves all baggage fees and food expenses to the students, the destination and costs are announced as early as October to allow lower-income students to save money for it. Payment plans are also available upon request, and part-time students who don't already pay the ASuop fee are also eligible to attend once the fee is paid.
Students' safety is also of the utmost priority. ASuop requires students to check in with staff several times throughout the day to ensure that everyone is accounted for and not lost or in danger. Two of these check-ins (one during the morning and another during the evening) require students' physical presence, while two are mobile check-ins that can be completed from anywhere.
This year's Honolulu trip offered 42 spots total, the maximum number that the university could afford. A statement from ASuop suggests that they look favorably on the possibility of that number expanding.
For students interested in next year's spring break trip, ASuop will release information sometime during the middle of the next semester.
About Jo Ann Kirby
Jo Ann Kirby
Latest posts by Jo Ann Kirby (see all)
- Athlete Spotlight: Philip Hjorth - April 25, 2019
- Sequel City: Hollywood's Originality Problem - April 25, 2019
- Pacific Tiger Broadcasting Hosts Talent Competition - April 25, 2019


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2017 V de V Endurance Series - Round 1 - Barcelona
Latest News
January 15, 2018
The Ginetta G60-LT-P1 has broken cover for the very first time today (11/01/2018) at Birmingham's National Exhibition Centre. As one of the most highly anticipated launches of the Autosport International schedule, the car – which is named in tribute to the 60th anniversary of the Ginetta marque - made its public debut during the opening day of this year's trade show.
Industry professionals and associated media flocked to Ginett...
November 6, 2017
The Autosport Show is 'the' place to be for any self-respecting motorsport fan this coming January. That's why here at Ginetta HQ we've chosen this year's event as the place to unveil our LMP1 car to the public for the very first time.
Given that Autosport has long been seen as the unofficial launch venue for the forthcoming motorsport season by the motorsport media, personnel and - of course - the legions of racing fans, we co...


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Koya Leadership Partners congratulates the Museum of Fine Arts, St. Petersburg on naming Kristen Shepherd, an innovative leader in the art world who has expanded community engagement at museums in Los Angeles and New York, as its new Director. We were delighted to be involved in this successful search.
The Museum of Fine Arts, St. Petersburg (MFA), founded in 1965, is a leading cultural force in the Tampa Bay Area. With its encyclopedic collection covering almost 5,000 years of civilization, the MFA houses thousands of objects extending from antiquity to present and hosts unique traveling exhibitions and events in the heart of downtown St. Petersburg.
Ms. Shepherd brings to her new role the perspective of an art historian combined with strong business acumen. She has served as Associate Vice President, Audience Strategy & Services, for the Los Angeles County Museum of Art since 2013. She led her staff and volunteers to create engagement opportunities for the diverse local audience, increasing revenue from visitor attendance and membership by 19 percent during her tenure.
Ms. Shepherd was unanimously approved by the museum's Board of Trustees after a national search, and she will join the museum December 15, succeeding former Director Dr. Kent Lydecker, who retired in March. She is the sixth director in the MFA's history and its first female director.
The selection of Kristen Shepherd was made after a thorough national search, overseen by Koya Leadership Partners, a national executive search firm dedicated to the nonprofit sector.
Read the full Press Release for more information.


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Zika Virus Linked To Blindness Among Newborns
Troubling Zika updates suggest that the mosquito-borne virus appears to be linked to eye abnormalities among newborns that could ultimately end up in permanent vision loss or blindness. Scientists have recently discovered that more than a third of Zika-affected Brazilian babies examined since December 2015 have damages to their optic nerves.
In a study published in JAMA online, researchers at the Federal University of São Paulo carried out a careful thorough examination with a series of tests involving 29 newborns affected with the virus.
"These are severe retina lesions that will impede the ability of the children to see well. Many of these children could be blind," remarked lead author and ophthalmology professor Rubens Belfort as quoted saying by CNN.
As previously reported, Zika has already been a purported cause of microcephaly- a condition wherein babies are inherently born with unusually small head and brains. There are an estimated 4, 000 microcephaly cases in Brazil prompting the government to admonish women to delay or postpone pregnancy.
"Twenty-three of 29 mothers (79.3%) reported suspected Zika virus infection signs and symptoms during pregnancy, 18 in the first trimester, four in the second trimester, and one in the third trimester," wrote the research team as quoted in a report by the International Business Times.
According to Daily Mail, Zika has seen a massive upsurge in Latin America and Caribbean since news about the outbreak in Brazil broke out around April last year. Like its dengue and malaria cousins, the virus is carried by Aedes Aegypti mosquito with 20% of cases experiencing mild symptoms while most infected people just simply exhibited no symptoms at all.
See Now: What Republicans Don't Want You To Know About Obamacare


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tag:blogger.com,1999:blog-26196992.post2411710912516613213..comments2020-09-26T06:12:01.356-07:00Comments on The Naked Truth about Literature and Life: On Thin IceNaked Authorshttp://email@example.com:blogger.com,1999:blog-26196992.post-42240050452112781062015-04-13T12:55:13.734-07:002015-04-13T12:55:13.734-07:00Excellent post, Jacqueline. I posted this naked...Excellent post, Jacqueline.

I posted this nakedauthors.com, page on FB because I was getting questions about the last picture you posted here (bird with plastics) which I posted on FB.

Again, excellent post and thanks. Anonymoushttps://email@example.com:blogger.com,1999:blog-26196992.post-83682897256026501122015-04-03T11:13:39.963-07:002015-04-03T11:13:39.963-07:00from Jacqueline: Yes there are many older homes t...from Jacqueline: Yes there are many older homes that can be "repurposed" as the saying goes - not a major makeover, just a bit of work to bring them back. But as more people begin the long walk to more northern climes - or in boats, or planes or whatever means of travel they can - so pressure will built in the northern hemisphere; we're squashing into a corner to avoid the firstname.lastname@example.com:blogger.com,1999:blog-26196992.post-77984962989398005382015-04-03T11:11:26.777-07:002015-04-03T11:11:26.777-07:00from Jacqueline: And there you have it - the poll...from Jacqueline: And there you have it - the pollution from construction, the intense water waste. It really does all have to stop now - and those mega-homes, well, not many are energy email@example.com:blogger.com,1999:blog-26196992.post-12438417178746931412015-04-03T10:55:13.125-07:002015-04-03T10:55:13.125-07:00Ebb ironically th ar xxx. There ar xx are vacant h...Ebb ironically th ar xxx. There ar xx are vacant houses that could be fixed up for people to live in. That will solve the housing crisis I hope. I learned of this in the new xx news a few weeks ago.Bionic Photographyhttps://email@example.com:blogger.com,1999:blog-26196992.post-14362001131519977592015-04-03T10:53:41.514-07:002015-04-03T10:53:41.514-07:00This comment has been removed by the author.Bionic Photographyhttps://email@example.com:blogger.com,1999:blog-26196992.post-39605277182312379252015-04-03T10:44:29.072-07:002015-04-03T10:44:29.072-07:00Thank you for this Jackie, I do recall you being h...Thank you for this Jackie, I do recall you being horrified at the building that is going on in Toronto....all in the name of progress!! Buildings that are only a few decades old being torn down. We do win sometimes. There was a plan to demolish the Princess of Wales theatre built in the 90s to make way for museum, condo etc. An outcry of protest and City stopped this. I live in a small bungalow, built in the 40s, one of the few left on the street. As they go on the market, developers buy up to build monstrous homes selling for over $1M. This when politicians are saying more affordable housing is needed and keeping elderly in own homes. Not taken into account is the pollution from all this construction which has now been on-going for last ten years. Sorry Jackie, did not mean to take over your blog with my rant.
Thank your for sharing, I will definitely be reading the essay. email@example.com:blogger.com,1999:blog-26196992.post-72248749568068236622015-04-03T10:17:30.167-07:002015-04-03T10:17:30.167-07:00from Jacqueline: As the saying goes, Jim - Mother...from Jacqueline: As the saying goes, Jim - Mother Nature Bats Last. And she's already swinging the bat. Have a great weekend, email@example.com:blogger.com,1999:blog-26196992.post-3948017542240376672015-04-03T09:47:55.492-07:002015-04-03T09:47:55.492-07:00Great post, Jackie. As a native Floridian I'...Great post, Jackie. As a native Floridian I've seen my playground turn into condos. There are too many people and nature will correct it.james o. email@example.com:blogger.com,1999:blog-26196992.post-44823468565531489972015-04-03T08:55:00.528-07:002015-04-03T08:55:00.528-07:00from Jacqueline: I remember the milkman too. Some...from Jacqueline: I remember the milkman too. Some places are better than others when it comes to respect for the environment - I hate the amount of construction in places like London and Toronto right now - the developers are having their way. But it's no good looking at what others are doing or not doing - we have to do what we can ourselves. Mind you, given the water situation in California, I think we'll all become water police and so we should be. There are always people who think that because they have money and power, they don't have to play the game - or because "no one else is doing it!" Our natural resources are gifts and should be treated as email@example.com:blogger.com,1999:blog-26196992.post-4117371022173492852015-04-03T08:30:14.715-07:002015-04-03T08:30:14.715-07:00This was in the sf Bay Area . I was reminded of t...This was in the sf Bay Area . I was reminded of this while watching call the midwife on Sunday evening. Your analogy about China and us being like sulky kids being nagged to clean our rooms was right on target. I try very hard to recexxx. Recycle. And conserve water even if it looks like no one else is. We xxx. I agree with your Dad. Ironically, I thought that England was better at taking care of the environment than the US since many old buildings are still there and the us has a tendency to tear down old buildings and build, build, build.

Have you read Al Gore"'s Earth in Blaxxx. Sorry. Earth in Balance ? And Silent Spring by Rachel Carson?

I noticed a difference between Rome, Italy with lots of cars and Copenhagen ., Denmark with more bikes than cardxxx cars. In Rome, I had a migraine for the first time in my life. In Copenhagen , no headaches and I felt great!

Sorry aboyxx about the typos. I'm writing this from my iPad and they will not let me correct the typos.

Hope you recover in time to visit your Mom in England.

Happy Easter.Bionic Photographyhttps://email@example.com:blogger.com,1999:blog-26196992.post-28049550012236096112015-04-03T08:21:02.538-07:002015-04-03T08:21:02.538-07:00Jackie, your essay resonated with me. I remember ...Jackie, your essay resonated with me. I remember as a child in the 1970s, the milkman delivered milk and we put out empty glass bottles in a milk crate for him to use again. Bionic Photographyhttps://firstname.lastname@example.com


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Ms Joyce Cudjoe, the Western Regional Focal Person for Ghana Anti -Corruption Coalition, has called on Ghanaians to desist from all forms of corrupt acts.
She said for corruption to be eradicated, Ghanaians needed to be aware of the extent of corruption in the country and it's effects on the economy and called on the public to report any corrupt official to the CHRAJ, NCCE or the police.
Ms Cudjoe said this on Saturday after a walk was held to mark the International Anti-Corruption Day in Takoradi.
The walk which begun at about 08:40 hrs at the Takoradi Presbyterian Trinity Church proceeded through the principal streets of Takoradi - Amanful, Paa Grant Roundabout, PWD Street and ended at the Takoradi Central Market.
Enthusiastic participants made up of the Ghana Police Service, Ghana National Fire Service, Drivers and officials of the Vehicle License Authority, National Commission for Civil Education, civil servants, market women and youth organizations, carried placards some of which read, ''Ghana, Say No To Corruption; Know Your Rights; Don't Be A Spectator, Report Corruption; Refuse to Take Bribe; Corruption Robs The Future of Your Children; Corruption Threatens Our Future; Corruption Creates Poverty''.
International Anti-Corruption Day is marked every year on December 9 to raise national awareness by sensitizing the public on the cost of corruption as well as mobilize citizens to support the fight against corruption.
This year's celebration was held under the theme: ''NACAP: Strengthening Public, Private, and Civil Society, Partnership in the fight against corruption''.
Mr Allen Osei Akoto, a representative from GACC-Accra, said the public have the right to demand for accountability from their district assemblies.
''As people we must know that our daily contributions can generate better education, social amenities and for that matter there is the need to know how the money we contribute is being used.
"The little money you pay to the assembly, you have the right to go to them and demand for accountability but if they refuse, report the case to GACC centres'' he said.
Mr Akoto said there is the need for individuals to tender in evidence for verification before reporting any case of corruption.
Mr Bernard Oduro Akoto, a Legal Practitioner, said corruption was a sin and the Constitution also frowns on it and that it is important for all hands to be on deck in the fight against it.
He also called on all to support the effort to ensure the complete elimination of corruption from public institutions.
Mr Bernard Barker, Berea Social Foundation, said the need for citizens to halt the practice of offering bribes to officials when their mandated services are required.
Source: http://www.ghananewsagency.org/social/desist-from-corrupt-acts-public-urged-126205


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TOKYO (CBS.MW) -- Merrill Lynch announced Wednesday it will close 20 of its 28 retail brokerage branches in Japan as the brokerage giant steps up cost-cutting efforts.
Merrill Lynch Japan Securities, a unit of the U.S. brokerage firm
The restructuring would also cost Merrill Lynch some 40 billion to 50 billion yen ($303 million to $378 million), the report also said.
Merrill joins a raft of foreign brokerage firms scaling back their operations in Japan, where a prolonged economic downturn and the slumping stock market continue weigh on stock-trading activities.
Less than two months ago, Morgan Stanley Dean Witter
Merrill will close 20 branches in the next three months. Business will be consolidated into remaining eight branches: Tokyo, Osaka, Sapporo, Sendai, Nagoya, Fukuoka, Kumamoto and Takamatsu.
Existing retail customer accounts will be transferred into the new Financial Service Center (FSC). The transfer of accounts will not influence customers' assets, said Merrill Lynch.
"The continued economic and market slowdown forced us step us restructuring at retail business in order to maintain our stable business," said Kelly Martin, president of Merrill's International Private Client Group, in a statement.
The brokerage firm will pay severance of 12 months' to 18 months' salary for those losing jobs, as well as payment for unused holidays and retirement annuity. The company will also help them find new jobs, through a carrier assistance program (CAP).
Merrill Lynch, which first entered Japan's brokerage market in 1961, kicked off its retail business in 1998, taking over some 2,000 employees from failed Yamaichi Securities. The Japanese unit currently has a workforce of about 3,400.
Merrill Lynch's shares closed down 40 cents, or 0.7 percent, at $56.44 in New York on Tuesday. One-third of the company's revenues are generated outside the U.S.


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Trump Breaks Tradition, Fails To Mention LGBT Community In World AIDS Day Proclamation
In his first World AIDS Day proclamation, President Trump failed to mention the LGBT community, therefore breaking precedent with previous administrations' proclamations that explicitly mention the community that is most disproportionately affected by the devastating disease.
"Today, on World AIDS Day, we honor those who have lost their lives to AIDS, we celebrate the remarkable progress we have made in combatting this disease, and we reaffirm our ongoing commitment to end AIDS as a public health threat," Trump said in his official statement.
The proclamation received criticism from many prominent civil rights groups.
"Not only did the White House statement on World AIDS Day fail to mention the population in which two-thirds of HIV cases in the US occur — gay and bisexual men — it also failed to point out the disproportionate impact in communities of color, for gay and bisexual men of color, particularly young men of color, or for transgender women," Scoot Schoettes, a project director at the legal advocacy group Lambda Legal, said in a statement to BuzzFeed.
The Human Rights Campaign also spoke out, tweeting the following:
.@RealDonaldTrump's #WorldAIDSDay proclamation is missing a few things:
-It doesn't mention the marginalized communities disproportionately affected by HIV & AIDS–like #LGBTQ, Black & Latinx people.
-He's touting programs that he's proposing to significantly reduce funding for
— HumanRightsCampaign (@HRC) November 30, 2017
The Hill added:
Trump has worked to roll back some of the Affordable Care Act's protections of LGBT individuals against discrimination, and favored a ban on transgender soldiers from serving in the armed forces, moves that have made many LGBT activists wary of the administration's policies.
"Trying to erase LGBTQ people from the history of HIV/AIDS is another slap in the face," said Democratic National Committee spokesman Joel Kasnetz. "In his first year in office, Trump hasn't missed an opportunity to be cruel to the LGBTQ community and the millions living with HIV all over the world."
Trump has yet to appoint someone to lead the Office of National AIDS Policy, or put up a new government website for the office, BuzzFeed found.


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Royal Mail PLC (LON:RMG) raised its dividend by 4% to 24p after a mixed set of full year results.
Outgoing chief executive, Moya Greene, also said the group's "good cash generation" will "support our progressive dividend policy" after swinging to net cash of £14mln in the year from net debt of £338mln last year.
But a dividend yield of 4% may leave some investors disappointed.
"The dividend rises again, but a yield of 4% is only just in line with the wider stock market, and you'd really be hoping for more from a mature cash generative business like Royal Mail," Nicholas Hyett, equity analyst at Hargreaves Lansdown, said.
Hyett added that the group's results showed "a series of small disappointments that mean they're not quite the full package".
In the year ended March 25, 2018, the postal operator reported a 36% drop in pre-tax profit to £212mln and a 2% increase in revenue to £10.1bn.
READ: Royal Mail's profits drop on pension charge, revenues rise on growth in parcels
The results more or less told the same old story with growth in parcel volumes in the UK and the Global Logistics Systems (GLS) businesses mitigating a decline in letter volumes.
For the next fiscal year, letter volumes are expected to reach the top end of its guidance range for a drop of between 4-6% due to the estimated impact of the introduction of General Data Protection Regulation (GDPR) in May.
"There are bright spots of course – GLS continues to perform well and UK parcel volumes are picking up – but all in all these aren't results to really move the needle," Hyett said.
Investors take profits after share price gains
A 51% increase in the share price over the past six months propelled the company back into the FTSE 100 index in March. Over the last 12 months, the shares are up 40% compared to a 2.8% gain for the wider FTSE 100.
But shares were down 5.12% to 567p in Thursday morning trading as investors seemed to take profits given the company's mixed outlook.
Challenges in UK parcels
The group has acknowledged that it continues to face tough competition in the UK parcels business from the likes of Deutsche Post and Amazon.com Inc (NASDAQ:AMZN).
Competition is not the only challenge facing the UK business, according to David Madden, market analyst at CMC Markets.
"The British division has always lagged behind its continental counterpart because it must deliver to all parts of the UK, no matter how remote," he said.
Royal Mail needs to keep down costs, says analyst
Madden added that Royal Mail operates in a "low margin industry, and keeping costs down is crucial".
Royal Mail is targeting £230mln in cost savings in the UK business in the year ahead but restructuring costs are predicted to be at upper end of the forecast range of £130-150mln.
"Investors will be keeping an eye on the bottom line in the year ahead," Madden said.
However, the analyst believes the "consistent dividend policy throughout the year suggests the business is stable, and will reassure investors".


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Tips For Hitting Your Goals In 2020
Did you know a recent study showed that most people abandon their resolutions by January 19th?
This usually happens because we come up with these big, lofty, vague resolutions like "I'm going to get SHREDDED" or "I'm going to lose weight!" Then we overcommit, going for the big overhaul instead of focusing on the small habit changes we need to make to get there. We struggle to meet these goals and get defeated by the process, which results in waving the fit life white flag. Maybe next year?
This doesn't happen because of willpower. It's more a matter of "skillpower." When we have a big goal such as losing weight, we should break it down into small, tangible goals to tackle each week so the process is less overwhelming. Sure, it's slower, but it's more sustainable and will have longer lasting results. Don't we want to start 2121 with a different resolution than the one we make this year?
A great way to tackle our resolution is using the SMART method: Specific, Measurable, Achievable, Relevant, and Timebound. Let's say your goal is to "eat healthier." Super vague and no tangible way to measure whether or not you achieve it. How can we make this a SMART goal?
- Specific: "I will incorporate more fruits and vegetables into my diet."
- Measurable: "I will eat 2-3 servings of fruits and vegetables each day."
- Achievable: Don't say you'll eat broccoli each day if you hate broccoli. Start with fruits/vegetables you like, such as "I will eat 2-3 servings of fruits and vegetables each day that include apples, spinach, berries," and you get the drift.
- Relevant: Do you already eat fruits and vegetables? Then choose a goal that actually inspires change, such as increasing water or protein intake.
- Timebound: "For the next week, I will eat 2-3 servings of fruits and vegetables each day that include apples, spinach, and berries."
The next week, make a different SMART goal. Each week, when you tackle your goals, you will feel empowered to take on the next one and stay focused towards your bigger goal.
Additionally, when choosing your goals, think in abundance versus restriction. Often, people jump to "I'm cutting out ALL carbs and going keto" or "I have to stop watching TV and go to the gym." The restrictive mindset already sets us up for failure because we're resentful at the idea of having to give up the things we love. When it comes to making dietary adjustments, add in first. Increase lean protein, fruits & veggies, and water, and that will have a domino effect on hunger and cravings later on. When it comes to the gym, start with classes or activities you absolutely love and work from there.
Next thing you know, it'll be well past January 19th and you'll be crushing it week by week, motivated by your progress and actually seeing the results. And who knows, maybe in 2021, your resolutions will have nothing to do with health & fitness because 2020 was YOUR year.


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Inflation fell below the Bank of England's target for the first time in two years in January thanks to the new cap on energy prices.
Figures from the Office for National Statistics (ONS) show the Consumer Prices Index (CPI) fell to 1.8% last month, the largest drop since 2016, from 2.1% in December.
January inflation missed economists' expectations and undershot the central bank's target of 2%.
Sterling held firm after the news, at 1.289 US dollars and 1.138 euros.
Inflation was dragged down by lower electricity, gas and petrol prices between December and January, which was partially offset by lower air fares.
The main driver for inflation was the new energy price cap on standard variable tariffs recently introduced by energy watchdog Ofgem.
Mike Hardie, head of inflation at the ONS, said: "The fall in inflation is due mainly to cheaper gas, electricity and petrol, partly offset by rising ferry ticket prices and air fares falling more slowly than this time last year.
"House prices continued to grow, albeit at the lowest UK annual rate since July 2013, with growth in the North East and London lagging behind Northern Ireland, Wales and the West Midlands."


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Not all competency frameworks are the same. Every company has different requirements, plans, and goals for their organization and so they should! So why would you use a system that is static and doesn't move to fit those needs?
We have outlined 5 reasons why you should invest in a flexible competency management system rather than a cookie-cutter solution.
- Some competencies are process-driven tasks while others are behavioral driven. Not all competencies are measured by completing an assignment or task. Some are measured behaviors and results from that behavior. Because they are different, they require different actions to be taken against them, such as conversations and learning classes. In a static system, you are not able to configure those actions.
- If you focus on one set of these competencies, you will fall behind in the other. Both sets of competencies are important in having a well-rounded staff. While some employee's jobs may be focused on one set of competencies over the other, they still need to work on the other. Having an unbalanced workforce can lead to many problems such as retention, succession, and engagement.
- Not all competencies are the same. Not every competency should be defined with the same expectations or criteria. Think back to the process-driven task verses the behavioral competencies. You measure process-driven competencies by demonstrating tasks and checking off checkboxes. But, for a behavioral competency, such as leadership, you would not have the same for requirements. They are more subjective and take a bit more evaluation.
- How do you determine who gets assigned what competencies? In most systems, job code decides everything when it comes to the assignment of competencies. But that is not always accurate. Even though two people have the same job code, this doesn't mean that they have the same competencies. Location plays a big part. A drill worker out on a subsea rig won't have the same competencies as a drilling worker out in west Texas. In this case, you would need to manually assign competencies. You could not do this in a static system.
- How do you define assessor and assessed assignments? In most systems, your direct supervisor is your assessor for all competencies. It is an automatic assignment. But, what if your supervisor is only qualified to assess you on ¾ of your competencies? Maybe you had competencies that were manually applied to you that your supervisor has no jurisdiction over. In this case, you would need an outside source assigned to you to make sure that you are up to par on all competencies. By having only one assessor, you limit yourself to grow your skills.
As you can see, a competency management process can be complicated and ever-changing. You need a system that can change with you and handle all requirements, no matter what they are. A static system could never do that.


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I was arrested for shoplifting when I was six months pregnant, and I often wonder if this was the reason my baby failed to thrive in utero.
Well, I've thought it seriously at least twice before quickly reminding myself not to be ridiculous.
I was eight months into a new job. Away at a business conference, I wandered over to a fancy department store during my lunch break, where I happily floated through the handbag section, dabbled a little in the jewelry, settled cosily in among the books and stationery. Shopping here is a favored pastime; a kind-of Holly Golightly-Breakfast-at-Tiffany's-equivalent for me, a sparkling haven of clean, pretty and calm. You can't feel anxious at here. Or so I thought.
As I exited the store, a security guard I subconsciously recognised as the man eyeballing me in handbag section pulled me aside."If you could just step aside Madam, I have a few questions about your top."
Fuck. I clutched for the tag straight away. It was hanging out the back of my shirt.
WATCH Mamamia staff confess, the most illegal thing they've ever done. Post continues after video…
He escorted me down the escalators, back through the books and stationary to a stuffy corridor tucked away on the ground floor. He opened his office door and asked me to take a seat.
"Do you have a receipt for that top?" the twenty-something asks me, not unkindly.
"I bought it yesterday," I said, rasping, feeling I was about to be sick. "Look it up on your system. I bought it with a pair of slacks and another top."
He called the manager. She arrived quickly and, not looking at me once, marched straight to the computer, tapping away to find my alleged purchase. They couldn't find it.
I was told the police were on their way.
What followed was a dramatic call to my new colleague Judy to explain I was under citizens-arrest. I had been calm until that point. As soon as I heard Judy's voice, a tough but kind country woman, a union organiser in her 60s, I completely broke down, as one would to the comforting and familiar tones of one's Mummy.