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In our experience, we have found that there are several roadblocks -- lack of goals, inappropriate investments, and procrastination -- that keep most people from achieving financial success. Your ability to pursue your financial goals may depend on how well you are able to steer clear of these roadblocks. Our extensive library of financial articles and reference material is broken down into several areas.
In the areas that are a concern to you, please list some specific topics of interest. For example, if you wanted more information on long-term care, write long-term care in the text box next to Risk Management.
After completing the form, please click on the "Submit" button. Your information will be emailed to our offices and we will prepare you a package from our library. All information will be kept confidential.
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The documents attached below outline the Eurostars programme's ethics requirements and provide you with guidelines for self-assessing your R&D project both before submitting your application and whilst the project is running.
Ethics in Eurostars
For your Eurostars application to be approved to receive funding, your proposal must comply with:
- Horizon 2020 guidelines (How to complete your ethics self-assessment?)
- European legislation and guidelines (see Charter of Fundamental Rights of the European Union, European Convention on Human Rights and its supplementary Protocols, Article 19 of Horizon 2020 Regulation (EU) No 1291/2013 and Ethics and data protection)
- National legislation of the country you are planning to conduct your R&D project in (contact your national funding body)
Familiarise yourself with all the relevant documents listed above before using Horizon 2020's guide How to complete your ethics self-assessment? to fill in the Eurostars Ethics Issues Table and Ethics Requirement Form for your application. Following this guide will reduce your chances of being rejected for funding from the Eurostars programme because of ethics issues and help you to ensure that your proposal is compliant with applicable international, European Union and national law.
We recommend that you consult ethics advisors (either externally or within your organisation) to help with both the planning and implementation of your project. How to complete your ethics self-assessment? provides ethics self-assessment guidelines for organisations working with:
- Human embryos and foetuses
- Human beings
- Human cells or tissues
- Personal data
- Animals
- Non-EU countries
- Environment, health and safety
- Dual use
- Exclusive focus on civil applications
- Potential misuse of research results
- Other ethics issues
Eurostars ethics appraisal process
The Eurostars programme has an ethics appraisal process that evaluates your project proposal after submission and monitors your project during its running time.
Step 1: Self-assessment
To self-assess your project proposal before applying to the Eurostars programme, follow the guidelines provided by Horizon 2020: How to complete your ethics self-assessment? Use these to fill in your Eurostars ethics issues table, which should be attached as an annex to your Eurostars application form.
Step 2a: Pre-screening and Screening
Two ethics experts perform a pre-screening of applications by selecting project proposals that might face ethical issues. Then (on screening the selected applications) experts provide a report on the project's objectives, methodology and potential impact.
Step 2b: Ethics Assessment
The Eurostars programme experts also conduct an in-depth analysis of ethics issues and (if necessary) and give recommendations on how to resolve them.
Step 3: Ethics Check
At various points during the project's running time, ethics checks will be conducted on projects to ensure that they comply with ethics requirements.
Ethics Review results
There are three possible outcomes of your project's Ethics Review:
- Ethics clearance
- Conditional ethics clearance (you must provide additional information to clarify and/ or resolve ethics issues)
- No ethics clearance (ethics issues are significant enough for the proposal to be rejected)
Ethics requirements are contractual obligations. If your project has significant ethics issues, it will be rejected for funding and/ or funding installments will be withheld.
Please address these ethics requirements by filling in the Ethics Requirements Form and sending it to email@example.com.
Contact firstname.lastname@example.com if you have questions regarding the Eurostars programme's ethics appraisal process.

subset: commoncrawl


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- FSCA Media Release
FSCA provisionally suspends the license of Afrikan Financial Services
The Financial Sector Conduct Authority (FSCA) warns the public to act with caution when dealing with Afrikan (Afrikan Financial Services (Pty) Ltd FSP 48238).
This followed the Authority's decision to provisionally suspend the license of Afrikan due to information received indicating possible misuse of a FSP license. The Authority is investigating a number of complaints received, alleging that Afrikan was taking investments from members of the public and promising unrealistic returns ranging from 9% to 50% monthly.
It was further alleged that when clients needed to withdraw their funds, Afrikan failed to oblige.
The public's attention is drawn to the fact that Afrikan is not permitted to engage in intermediary services or render advice relating to investments, and are not authorised to conduct these financial services.
The entity is authorised to only render advice and intermediary services in respect of Long-term insurance Category A products and is required to comply with the law and licensing conditions at all times.
Upon concluding the investigation, the Authority will decide whether to withdraw or lift the suspension of the license.
The FSCA furthermore reminds consumers who wish to conduct financial services with an institution or person to check beforehand with them on either the toll-free number (0800 110 443) or through the website www.fsca.co.za as to whether or not such institution or person is authorised to render financial services.
Enquiries: Financial Sector Conduct Authority Email address: firstname.lastname@example.com Telephone: 080 0203 722


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Data Management
Data management is the process of overseeing data generated before, during, and after a research project. Any research will require some level of data management, and funding agencies are increasingly requiring scientists and scholars to plan and execute good data management practices. (See The White House policy on Increasing Access to the Results of Federally Funded Scientific Research [February 22, 2013].)
This site offers a portal of tools and resources to help with the management of your research data throughout the data's life cycle.
Please contact us if you need help. If we can't directly answer your question, Research Computing staff will get you connected with someone who can!
How can we help you?
Below we list the specific data management sources that the Research Computing staff can help you work with and what specific services we provide for each resource. There are other resources for data management available at the UD Library.
DMPTool is a resource researchers can use to draft data management plans that meet funding agency requirements. It is a service the University of Delaware has partnered with the University of California Curation Center of the California Digital Library. It's formatted as a template to address specific aspects of managing research data including data types, ownership, description, preservation, and sharing. The tool guides you through the process of creating a ready-to-use DMP for your specific research project and funding agency.
To get started, simply click on the Get Started button on the DMPTool home page and select the University of Delaware in the drop-down list under "Option 1: If your institution is affiliated with DMPTool.", then click the Next button. You will be presented with the University of Delaware Shibboleth Authentication Service. Simply log in with your UDelNet ID and password. From the "My Plans" page, choose the granting agency from the drop-down list and begin building your DMP by filling in the text boxes in each section of the plan. You can edit, save, export to rich text, and drop your completed plan in your grant proposal! It's that easy!
Data Sources
The University of Delaware is a member of the Inter-university Consortium for Political and Social Research (ICPSR). It is the world's largest archive of digital social science data. ICPSR acquires, preserves, and distributes original research data and provides training in its analysis. They also offer access to publications based on their our data holdings. Researchers and students use ICPSR to write articles, papers or theses using real research data, and to conduct secondary research to support findings or current research, or to generate new findings. ICPSR data are also often used as introductory support material in grant proposals. Data producers take advantage of ICPSR's services to preserve and disseminate their primary research data, and often to fulfill funder requirements for data management plans. Instructors use ICPSR's educational resources to introduce students to the principles and practices of data analysis in order to support quantitative literacy efforts.
UD Collections
The University of Delaware Digital Collections is comprised of collections from UD Library and Art History found at these sites:
- The Artstor Digital Library* (login required) (UD Library)
- UD Library's digital collections
- Artstor Public Collections* (open access) (UD Library's digital)
- Visual Resource Center (UD Art History)
- UDSpace: Institutional Repository (UD Library)
US Census Bureau
American FactFinder provides access to all surveys and censuses conducted by the US Census Bureau.
Institutional Research and Effectiveness*
Wharton Research Data Services (WRDS) subscription is administered by the University of Delaware Alfred Lerner College of Business and Economics. All Alfred Lerner College of Business and Economics faculty, staff and students are exempt from the annual subscription fee. All others must pay the annual subscription of $250. For more information, please contact Gary Field at email@example.com or get started by registering your UD email, if your affiliation with the University of Delaware is Faculty, Staff (IT / Librarian), Visiting Faculty, Ph.D., Masters Student, Research Assistant (Supervised students only), or Class (Faculty requestor only).
The list of available datasets through UD's subscription includes: AuditAnalytics, Bank Regulatory , Blockholders CBOE Indexes, COMPUSTAT, CRSP, CUSIP, DMEF Academic Data, Dow Jones, Eventus, FDIC, Fama French & Liquidity Factors, Federal Reserve Bank, IBES IRI Markit Trial Option Metrics, PHLX Penn World Tables, Risk Metrics, SEC Order Execution, TAQ, TRACE, Thomson Reuters, WRDS SEC Analytics Suite and Zacks Trial.
Wharton Research Data Services (WRDS) is the award-winning research platform and business intelligence tool for over 40,000+ corporate, academic, government and nonprofit clients at over 400+ institutions in 30+ countries. WRDS provides the user with one location to access over 250 terabytes of data across multiple disciplines including Accounting, Banking, Economics, Finance, ESG, and Statistics. It also provides flexible data delivery options including a powerful web query method that reduces research time, the WRDS Cloud for executing research and strategy development, and the WRDS client server using PCSAS, Matlab, Python and R.


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Every week, The Thrill features a member of a student-support organization to bring awareness about the various resources available to the student body on campus. Stay safe this weekend, and know that there is always someone you can talk to if you need help.
This week, we are featuring a Peer Counselor, Grace Molloy, '14.
Cookie pie or giant cookie? Cookie Pie.
What's the best meal you've ever had (excluding cookie pie and/or giant cookie)? This multiple course dinner at this famous butcher's restaurant in Panzano, Italy. Seriously, if you get the chance, go there!
What is your favorite place to nap on campus? My bed.
Why did you become a PC? Mental health is really important to talk about. We have all been through hard times, and we should be able to feel together in that.


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Outdoor Companies Band Together For Arctic Refuge Event At OR Show
The Conservation Alliance will partner with seven leading brands at the August Outdoor Retailer show to build support for protecting the Arctic National Wildlife Refuge from proposed oil drilling. The Party for the Arctic will be held at The North Face booth on Thursday, August 10 at 5 PM.
Participants will be asked to complete post cards to their Congressional representatives urging them to oppose Arctic drilling. Anyone who completes a post card will be entered into a raffle to win products donated by the sponsoring companies.
"Our goal is to generate 1000 post cards,†said Conservation Alliance Executive Director John Sterling. "Because our industry recognizes that the Arctic Refuge is more valuable protected for its wildlife and recreation values than diminished by oil development, I think we'll reach that goal.â€
Companies sponsoring the event are: The North Face, Patagonia, Black Diamond, Osprey Packs, Teva, Keen Footwear, and Granite Gear. Each company will donate several high-end items to the raffle. Climber/comedian Timmy O'Neill will serve as Master of Ceremonies for the raffle.
"We're excited to work with our industry partners to show that outdoor companies broadly reject the idea that we need to sacrifice the Arctic Refuge to oil development,†said Jimmy Hopper, Promotions Coordinator for The North Face, host of the event. "Energy conservation and investing in alternatives can reduce our demand for oil, and save the refuge.â€
Conservation Alliance grant recipient the Alaska Coalition (www.alaskacoalition.org) will provide an update on the status of the Arctic drilling proposal. The group will also unveil a new "Athletes for the Arctic†program to recruit professional athletes to speak out in support of a protected Arctic Refuge.
"The outdoor industry has been one of our greatest sources of support,†said the Alaska Coalition's Shoren Brown. "We're grateful to be part of this event that will help build support for the Refuge, and grow our Athletes for the Arctic program.†Brown added that the Alaska Coalition will be looking for outdoor athletes – climbers, paddlers, and endurance athletes – to participate in the program.
The Alaska Coalition will provide beverages and smoked Alaskan salmon.
"We look forward to a fun and meaningful event that we hope will set the tone for the rest of the show,†said Sterling.
About the Conservation Alliance:
The Conservation Alliance is an organization of outdoor businesses whose collective contributions support grassroots environmental organizations and their efforts to protect wild places where outdoor enthusiasts recreate. Alliance funds have played a key role in protecting rivers, trails, wildlands and climbing areas.
Membership in the Alliance is open to companies representing all aspects of the outdoor industry, including manufacturers, retailers, publishers, mills and sales representatives. The result is a diverse group of businesses whose livelihood depends on protecting our natural environment.
Since its inception in 1989, the Alliance has contributed more than $5 million to grassroots environmental groups. Alliance funding has helped save over 38 million acres of wildlands; 26 dams have either been stopped or removed; and the group helped preserve access to more than 16,000 miles of waterways and several climbing areas.
For complete information on the Conservation Alliance, see www.conservationalliance.com.


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News By Tag
Industry News
News By Location
Industry News
Tax Expert and Advisor Barry G. Fowler, EA, Reveals A New Batch of Phone Scams Readers Must Resist
By: Taxation Solutions
Houston, TX – April 16, 2018 – Barry G. Fowler, CEO of Taxation Solutions, posted a new blog on the company website entitled "Curiosity Kills The Cat And Scams The Curious." Mr. Fowler's concern is that more people will be giving scammers important information that will result in financial loss.
Fowler says, "I have written frequently about the multitude of tax scams. And once again, the scammers have found a way to play to and outwit your insatiable curiosity." He adds, "Here's one of the latest scams to be aware of, and how it works."
As Fowler points out, "Scammers know that more and more people are screening and not answering calls from unrecognized or private numbers. So now," he adds, "the crooks have developed software that allows them to display irresistible 'fake' numbers."
One scam, Fowler writes, "has your area code and prefix and potentially could be from a neighbor or nearby business." He continues adding, "It's not the kind of number people are likely to block which increases the scammers' success rate. In addition, according to some sources, these local numbers make it harder for law enforcement to track."
The entire blog can be read at http://www.taxationsolutions.net/
About Barry G. Fowler, EA
Barry G. Fowler founded Taxation Solutions out of a genuine concern for the IRS issues his clients face, many of whom are self-employed, contract employees, or entrepreneurs. For his contributions to his profession and expertise in tax resolution and financial planning, Fowler has been featured as one of America's Trendsetters on CBS and Yahoo, and as a Premier Expert in Inc. Magazine. He has been instrumental in helping hundreds of people resolve complex tax issues with the IRS.
Fowler is licensed to represent taxpayers before the Internal Revenue Service, and is a longstanding member of several tax industry professional organizations:
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GREER, S.C. (WSPA) – There's a heart-warming story out of Greer that's gone viral on social media.
A FedEx driver raised enough money to buy a car for a coworker who had been walking to and from work every day.
7 News talked with that driver about why he did what he did.
"She would do her shift, she would do what she had to do, and then she would take off walking," Josh Lewis said.
FedEx driver Josh Lewis said, for three months, 60-year-old Darlene Quinn was walking 12 miles to work and 12 miles home.
Lewis said her shift is part-time, from 4:00 a.m. to 8:00 a.m.–meaning she most likely walked 8 hours a day for a 4-hour shift.
Lewis describes Quinn as one of the most hard-working package handlers at FedEx.
"Continuously work, no matter what, and not make excuses," he said. "There are so many people who want to make excuses as to why they can't go to work, and she's looking for any excuse to go to work."
But Quinn didn't have a car to get there, so she walked.
"There's been times when I've seen her kind of leaving the terminal, which is somewhere around 7:00 or 8:00, and I would see her down near her house around noon."
Her coworkers began to worry about her safety.
"She turned off her cell phone and said she turned it off in order to save money to buy a car," Lewis said. "Heavily-wooded, no lights road. There were a lot of people in our community trying to pick her up and trying to help her; and, just to be honest, she didn't really trust a lot of people to get in the car, and I wouldn't either!"
That's when Lewis decided to start a Go-Fund-Me.
"We have to do something. She cannot continue this way," he said. "We can do this as a community. It's possible to give her something that will truly bless her in the way that she needs it–in the way that she needs love right now."
In just one day, Lewis says they raised $3,000 and were able to buy her a 2014 Chevy Captiva in less than two weeks.
"Her smile–the smile that we got in the picture we put on Facebook–that is her every time you see her now," he said. "She's just grinning from ear-to-ear."
And Lewis told 7 News Quinn is already giving back to others.
"She tells me every time I see her, she's like 'I'm going to find somebody to bless today. I'm going to find somebody to pay it forward.' She's like 'I'll give the whole world a ride!'"
And Lewis has this message for the rest of us:
"I challenge people to get to know who your neighbors are, and then challenge yourself to get to know what their needs are. And then don't be scared to help them," he said. "Just love on each other."
Lewis told 7 News the community has raised an extra $3,000 since Quinn got her new car. He said that money will go towards any other needs she may have.
Also, one auto shop in Greer has offered to do free oil changes for Quinn for life and another shop has offered to take care of her tires for free as well.


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Mitchell Marsh, the Australian Under-19 captain, is confident ahead of the quarter-final against New Zealand in Rangiora despite his team's dispiriting loss to South Africa by two wickets in the league stage. "It was a good game of cricket. We batted beautifully and set a good total, but had we been better in the field we could have probably won that game. We need to give a hundred percent in such pressure situations but we didn't do that," he said.
The defeat led to Australia slipping to second place in their group, drawing them against New Zealand, the table-toppers in Group C, for the knockout phase. Marsh said his team had the wherewithal to overcome the hosts. "We've had a good look at them but nothing too major there. We know they've got a couple of good bowlers and some good batsmen up the order. If we just focus on executing our skills, then hopefully we can get a few wins on the board and go through the finals."
Marsh singled out the team's batting as its main strength. "We've got a strong line-up. Hopefully the openers will get off to a good start and us folks in the middle order can bat through to the 50th over. With our bowling we have Josh Hazlewood and Alister McDermott at the front."
The venues at the competition have produced some sporting wickets with plenty on offer for seamers. The key, in the event of another bowler-friendly pitch, Marsh said, was to target the right areas. "Any seam bowler who bowls in the right areas can take wickets," he said. "The team that bowls consistently in the right areas might be the one that wins."
New Zealand have won all their three games so far, and their batsman Harry Boam, who top scored with 85 in his team's seven-wicket win over Sri Lanka, said he wasn't too worried about taking on a high-profile outfit such as Australia. "We're looking forward to it. Obviously Australia is quite a big-name team but we're not really too worried about that," he said. "I think we're all pretty focused on what we need to do."
Boam's 85 against Sri Lanka was as an opener, but he said he was open to batting anywhere. "It kind of depends on the match situation but so far that's what I've done," he said. "It has worked well for us but come Sunday it could be a completely different role. It has been nice to get a couple of good innings under my belt early on and help us secure a couple of games. It has been really good.
"It's nice to know that we've made the quarters and we've got to the real business end of it. But it's still three games away before we can even think about lifting the World Cup. We've just got to take it one game at a time at the moment and not get too excited about what might happen."
Home advantage, Boam added, had certainly played a part in their success in the competition. "It's nice being around familiar surroundings for a lot of us. We've had really good support for the three games we've had so far, which has really helped. And just knowing the conditions, being a little bit colder has probably favoured us over the sub-continental teams and we know the pitch conditions and are used to those."


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SOHO CINDERS at London's Charing Cross Theatre
Luke Bayer as Robbie and Millie O'Connell as Velcro.Photo Pamela Raith
No glass slippers for this Cinders; think more mobile phones! Struggling in both love and finance, naive student Robbie, played endearingly by Luke Bayer, tries hard to beat adversity. In the true tradition of fairy tales he has found his Prince Charming in the handsome potential Lord Mayor of London, James Prince (get the pun) played by Lewis Asquith. But hold on there! Prince is engaged to be married to Marilyn (Tori Hargreaves) and to complicate matters further, Robbie's wonderfully ghastly and gauche lap dancing twin step sisters, Clodagh and Dana, played to perfection by Michaela Stern and Natalie Harman, are doing everything they can to thwart any chance of his happiness. Add to the mix the not so fairy godmother Lord Bellingham (Christopher Coleman) and the villainous misogynistic publicity campaign manager William George (Ewan Gillies) and you have a fair old melting pot of intrigue and complexity that can only be lightened by magic and a little help from trusted friend, Velcro (Millie O'Connell), a modern day Buttons figure.
Stern and Harman are an absolute joy. Each time they appear we know we are in for a treat. In comic panto tradition they are outrageous and loud, filling the space with their larger than life presence. Bringing the house down with 'I'm So Over Men' we take them to our hearts, despite the wicked roles they are playing. Similarly Ewan Giles as William George plays a fantastic villain and it is tempting to boo and hiss as he struts around barking orders and manipulating his charges. 'The Tail That Wags The Dog' speaks volumes and he sings it with power and poignancy. Of course there are emotional moments when both O'Connell and Bayer dream of being ordinary, with lives less complicated, 'Wishing For the Normal' and Bayer moves us with his touching rendition of 'They Don't Make Glass Slippers.'
With a score that holds so many strengths and exciting choreography there is much to recommend this production. Sure it is not pure panto and at times the more sombre moments feel a little flat, despite the efforts of the hidden narrator with his quirky one liners which raise many a chuckle. They may be wishing for the normal but in the world of fairy tales, we don't want that. Nevertheless Soho Cinders has a charm of its own with its catchy numbers and saucy jokes so dust off your glass slippers and have some fun with the cast at the intimate venue of London's Charing Cross Theatre.
Place: London's Charing Cross Theatre, The Arches, Villiers Street, Charing Cross, London WC2N 6NL
Nearest Tube: Charing Cross (and main line) (2 minutes), Embankment (2 minutes)
Dates: 24 October - 21 December 2019
Times: Monday to Saturday 7.30 pm, Thurs and Sat matinees 3.00 pm
Running time: 2.5 hours with interval
Website: www.charingcrosstheatre.co.uk
Box Office: 08444 930 650
(Phone lines open midday to 6 pm, Monday to Saturday)
Footnote: It is advised that 12+ should be the minimum age. On a personal level, I feel that it should be older as some of the jokes are risque and really not suitable for children.


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Shaping Europe for SMEs
The European Union is at a crossroads. The upcoming elections of the European Parliament will be decisive, including for SMEs and the environment they do business in.
The vision of SMEunited is to build an even stronger, more united and forward-looking Europe for the 24 million SMEs that provide two-thirds of jobs and represent 99,8% of businesses. Europe certainly has to improve its competitiveness if we want to preserve our welfare. This can only be achieved if we create a climate in which entrepreneurs can successfully start, grow, develop and innovate their businesses in Europe.
"SMEs are at the core of our economy and the fabric of our society, they are crucial in providing services and local products for the daily life of Europeans", explained SMEunited President Ulrike Rabmer-Koller. "They play a decisive role for social stability at local and regional level and for the European Social Welfare Model in general."
On SMEs' expectations towards politicians, she stated that "Europe can only become a better place for SMEs if politicians not only talk about the importance of SMEs, but start acting accordingly."
As put forward by the Declaration of Bucharest at the occasion of the European Entrepreneurship Forum, "Europe needs a long-term and holistic SME Strategy with a comprehensive action plan and monitoring mechanism", she repeated . Ms Rabmer-Koller also added "that Europe must better recognise that the entrepreneurs' contribution to both the economy and society is fundamental for a prosperous future."


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American Dissident Voices broadcast of 10 August, 2019
by Kevin Alfred Strom
Listen to the broadcast
IN ATLANTA, GEORGIA — where the first big Jewish fake news campaign began — and where local B'nai B'rith president Leo M. Frank sexually abused and murdered 13-year-old Mary Pahagan — a dirty deed, born from a dirty seed, is about to begin. The Jewish power structure is unhappy, and has been unhappy for over 100 years, because one of their own leaders was caught using and then killing a little White girl. And they are doubly, triply unhappy that alternative news sources like National Vanguard and a growing number of others have spoiled their fake "Leo Frank was an innocent victim of anti-Semitism" hoax and alerted the people of Georgia and the people of the world what they are up to.Continue reading Killing History, part 1


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"Hard-landing mishap." That's the euphemism the U.S. Marine Corps has chosen to describe the May 17 crash of one of their MV-22 Ospreys on Oahu. Video obtained by Honolulu news stations show the aircraft broke apart on impact and burned completely.
"One Marine was killed when an MV-22 Osprey from the 15th Marine Expeditionary Unit experienced a hard-landing mishap while conducting training aboard Marine Corps Training Area–Bellows at approximately 11:40 a.m., Hawaii time," states the official Marine Corps press release on the crash, sent out the same day as the crash. "Twenty-two Marines were aboard at the time, and all other 21 have been transported to local hospitals for assessment and treatment."
Of course, the Marines Corps' hesitation to use the word "crash" to describe the Osprey's complete, catastrophic destruction is understandable. "Mishaps" and crashes have plagued its entire life (the aircraft has been operational since 2007, and was under extensive testing for 16 years prior to that). Indeed, the aircraft's Wikipedia page lists seven crashes, many more "mishaps" and nearly 40 fatalities racked up by the plane during its testing and operational life.
The Osprey is a controversial cargo plane that can carry a couple dozen troops, but it also lands and takes off vertically, like the old, heavy helicopters it replaced. It accomplishes this by having its engines, which are mounted on the wing tips, tilt 45 degrees in flight. That means it's a tricky bird to fly–and especially land–under the best of conditions.
"Able to do only a few missions with any level of competence, the Osprey is actually overall inferior to the Vietnam-era CH-46 helicopter it replaced," the blog War is Boring reported on July 15, 2014. "A notoriously unforgiving aircraft, the Osprey is almost impossible to land in a brown-out situation, in which dust and dirt envelope the cockpit… Once on station, the Osprey has still more problems. It can't hover for very long so it can't loiter well. The V-22's prop-boxes—the transmission allowing the propellers to act as rotors—have great difficulty shedding heat. The only way to cool them is to fly around in airplane mode."
According to the Marine Corps news release on the Bellows crash, the cause of the crash is under investigation.
Photo of Marine Corps Osprey in 2008: US Navy/Specialist 3rd Class Patrick Gearhiser/Wikimedia Commons


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Fudgy, Chocolatey brownies are filled with peppermint patties. These Peppermint Patty Stuffed Brownies are easy, full of chocolate, minty and produces a large quantity!
Chocolate, Chocolate, Chocolate how I love thee. I can't seem to get enough of it. You see to me a brownie is supposed to be a dense, moist, chocolatey explosion in your mouth. I don't understand people who want a light fluffy brownie... have a piece of chocolate cake instead.
I can't believe Thanksgiving and Black Friday have come and gone!! December here we come! Christmas then New Years.. I hope things calm down in January but let's be honest they never do! I have yet to really start on my Christmas shopping.. let's hope I don't end up at the mall the week before Christmas 🙁
My cousin comes in from Australia on Friday WOOO-HOOO!! Party time!!!
This brownie is a party time in your mouth! Make it, eat it, enjoy it...your welcome!Print
Peppermint Patty Stuffed Brownies
- Prep Time: 15 mins
- Cook Time: 45 mins
- Total Time: 1 hour
- Yield: 12 1x
- Category: Dessert
- Method: Baking
- Cuisine: American
Homemade Chocolate Brownies are stuffed with Peppermint Patty's for a sweet minty treat! These Peppermint Patty Brownies Recipes will be the hit for your next party!
- 1 ¼ cup butter
- 1 cup milk chocolate chips
- 1 cup cocoa powder (sifted)
- 2 ½ cups sugar
- 5 eggs
- ½ tsp salt
- 1 ⅔ cups flour
- ½ cup mini chocolate chips
- 20 peppermint patties
- Preheat oven to 325F, line a 9X13 pan with foil and spray with non-stick cooking spray or butter the pan.
- In a double boiler or just a large bowl on top of a saucepan melt the butter and chocolate chips together. ( I cut the butter into small cubes before adding)
- Once it is completely melted take off of the saucepan (make sure to use a towel as the bowl will be hot! Silly me forgot and burnt my finger!)
- Whisk in cocoa powder. Let mixture sit for a few minutes to cool.
- Whisk in sugar. Mix in the eggs I did 3 and then 2 at a time. Add in vanilla.
- Using a spatula fold in the flour and chocolate chips.
- Pour half of the batter into prepared pan then line the peppermint patties and pour the rest of the batter over the patties. ( I like to pour the batter in 3 chunks, the front of the pan, the middle and the back of the pan, this way it's easier to spread it evenly over the peppermint patties)
- Bake for 40-45 minutes. Let cool completely before cutting. Store in an airtight container for 3 days.
Keywords: candy brownies, mint brownies, peppermint patty baking, chocolate mint brownies, chewy brownies, dense brownies, minty brownies recipe


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I am sorry to again flog this nifty new idea that all money belongs in banks where it can be watched and controlled. I don't like the implications. After earning it, it is OUR money. Money is supposed to be a kind of civilizing "tool" that can serve it's 3 functions. We use it as a basic unit of account, a standard. It is also a currency - medium of exchange but finally a store of value. It is possible to define money so as to do each of these jobs more precisely or less rigorously. It is supposed to optimize all 3 but if its exchange function is promoted over its store of value function then perhaps those dependent upon it for "savings", are losers. Such is in fact the case. Savers are being savaged. There was a time when money was something external to human definition. It was not an agreed upon ideal but an archetypal "thing"-Real. That concept of money being Real is under attack. As only a number in an account it is a permission in a relationship, not a thing.
E-money is designed to accentuate the idea of "currency" and phase out the idea of "store of value".
Once you have determined who gets to create money and who has to use it then saving can be "managed" An entity that can limitlessly create new money does not need to worry about "saving". Our government has unfortunately worked itself into that condition. It has so much old debt that even being able to create new money out of new debt is not enough to pay all its responsibilities. Hence, a new solution: electronic money.
E-money has to be held in banks and is therefore vulnerable to negative interest rates. Negative interest rates are nothing more than a fee for holding currency. Money that is held or saved is taxed at a rate to encourage its expenditure. Earned money then CANNOT be saved, it must be invested which is subject to risk. When you receive money and negative interest rates are in effect, you have to buy something with your money. If not, it "decays". Taxes or transactional costs can be imposed on all electronic expenditures and this can encourage or discourage various activities. Money becomes a tool for governmental control.
When we conceptualize this NEW monetary system we see that the formerly prudent, are losers. What they have loaned or accumulated is gradually undermined by negative interest rates and positive inflation. Consider 12 years of -6% interest rates and +6% inflation. An income of $100,000 is only worth 1/4 as much. Savers are ruined. The point of all this is of course maintaining the power to create money. This benefits a small minority close to the source of the money creation and is a cost to everybody else. If you accept that the government can create whatever amount of money it needs for whatever reason (soldier in distant lands or provide everyone a basic income) then taxes are just an insult because they are not necessary. No one needs to pay taxes if the government can create whatever money it needs.
So we are actually moving to a new monetary system. We formerly had a gold system that was slowly changed from 1933-1971 to a "dollar" system based on Treasury debt. Now we owe too much so the system needs to change again. We could go back to a more honest gold system but that would undermine the current elites. It would also provide a LOT less money. If we reduce the amount of money--a lot less economic activity is possible. That could be considered a good thing for an over-stressed environment. Years of monetizing our natural world has actually made us poorer though we continue to consider turning forests into lumber and fish into cat food-economic improvement or a measured increase in GNP.
So I think that is the real issue. Our monetary system needs to help us value our natural patrimony of air, water, and soil accurately. We cannot let a drive for more money kill the natural environment. We can make up whatever symbols we want to of success but if the fundamental source of our wealth is destroyed then we will be lost as well.


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"When Ashi Hoseini, manager of mobile solutions for Scandinavian Airlines (SAS), began talking to IBM about creating apps that might help the airline's crews be more efficient, she got the kind of offer many techies can only dream about: An offer to fly to Cupertino and work directly with Apple developers at the company's headquarters," Chris O'Brien writes for VentureBeat. "A few days later, she and her team left with a new app SAS crews can use on iOS devices. (The app will be rolling out soon.)"
"IBM and Apple have created dedicated teams that work from the Apple campus, helping customers like SAS develop apps that meet their specific needs. While Apple has lots of developer outreach, teaching businesses to use enterprise apps is a far more complex proposition, because such apps likely have to plug into existing infrastructure and databases to work seamlessly," O'Brien writes. "In other words, these are not just two programmers building another photo sharing app."
"So far, the partnership between Apple and IBM has led to the creation of 100 enterprise apps," O'Brien writes. "If that doesn't sound like a huge number, remember that when these get rolled out at massive companies, they drive the need to buy large quantities of Apple gadgets and IBM data and consulting services."
Read more in the full article here.
MacDailyNews Take: The value and potential of the Apple+IBM partnership cannot be overstated.
IBM just gave Apple even more enterprise credibility – February 23, 2016
Apple Inc., the enterprise IT company – December 15, 2015
Tim Cook: Apple's enterprise business is already at $25 billion annually – September 29, 2015
Apple's surprising new passion: The enterprise – September 9, 2015
The Apple+Cisco deal may change the world – not just the enterprise – September 1, 2015
Apple aims to boost enterprise iPad and iPhone sales with new Cisco partnership – August 31, 2015
Apple and Cisco partner to deliver fast lane for iOS enterprise users – August 31, 2015
Apple+IBM: Enterprise apps go wearable on Apple Watch – May 24, 2015
Apple+IBM's MobileFirst strikes iPhone and iPad app partnership with China Telecom – April 2, 2015
Apple+IBM add 8 powerful new MobileFirst enterprise apps for iPad and iPhone – April 1, 2015
Apple+IBM partnership is more than a simple hardware distribution deal – February 28, 2015
UBS: Apple+IBM partnership set to expand – February 9, 2015
Apple+IBM: Apple spoils early, Big Blue's later? – February 2, 2015
Apple+IBM seize the mobile moment to energize enterprise software – December 29, 2014


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Gayle King wants a private plane for Christmas. We all have that one thing that is extravagant and over the moon that we include on our bucket list. (Mine is traveling around the world and buying that Villa in the Napa Valley) Ok that's two but you get my drift. Oprah's best friend Gayle King who may have her own Villas somewhere, says she would like to have her own private plane. We know she has flown with Oprah on private planes over the years, but I guess it's nothing like having your own.
Gayle King Wants A Private Plane For Chirstmas
by Lynne Haze
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You'll find inside answers to these questions:
- Where do I start?
- What is a healthy weight for me?
- What should I look for in a weight-loss program?
- And Much More Questions!!
This is a Short report about how you can tell the best program that it's best for you concerning loosing weight.


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Fed May Be More Cautious This Month
Federal Reserve officials could express more caution about the U.S. economy's recovery after their meeting this week, giving them additional reason to keep short-term interest rates close to zero for a while.
The three meetings of the Fed's policy-setting body so far this year have all ended with the U.S. central bank giving a gradually more upbeat view on the economy as it slowly emerged from the abyss. This time could be different.
Since the last Federal Open Market Committee meeting April 27-28, Europe's debt crisis has led to a decline in U.S. stocks prices and brought a renewed feeling of uncertainty in financial markets. Meanwhile, improvements in the U.S. jobs market have stalled and inflation has continued to slow down from already low levels, a strong sign of the big slack still left in the U.S. economy.
As a result, Fed officials may sound more cautious about the economy's prospects in the carefully worded statement that will be released at the end of the June 22-23 FOMC meeting. And they are almost certain to stick with their expectation that rates should stay at a record low for an "extended period," pointing to the likelihood that unemployment will remain high and inflation low for some time. That could mean no change in the benchmark Fed funds rate, currently in a range between zero and 0.25%, until next year.
"Europe will throw more caution in the FOMC," said Antulio Bomfim, a former Fed economist now with consultancy Macroeconomic Advisers in Washington. He said he expects U.S. central bank officials to spend lots of time talking about the potential impact of what is going on in Europe.
About 10 days after the last Fed meeting, European leaders May 9 cobbled together a 750-billion-euro financial backstop facility to calm market fears that more countries could be close to defaulting on their debt like Greece. The European Central Bank started buying government bonds of some member states and the Fed revived a U.S. dollar emergency lending program with the ECB.
The moves have restored some confidence in markets, helping U.S. stocks pare some losses. But the Dow Jones Industrial Average is still down more than 6% compared with the start of May, while the S&P 500 index has fallen nearly 7% since May 3.
Some fears over Europe persist, however. Last week, Spain's risk premium, as measured by the spread of government bonds to German bunds, hit the highest level since the euro was created after the Spanish government strongly denied press reports it would tap into the backstop facility.
In his latest take on the U.S. economy June 9, Fed Chairman Ben Bernanke said Europe's crisis should have only a modest impact on the U.S.–barring any major deterioration–and that he continues to expect a moderate recovery over here.
Signaling some cautious optimism, the Fed chief said it appeared as though U.S. consumer spending and business investment could make up for fading government stimulus in supporting the U.S. economy.
However, since Bernanke's testimony on the economy to Congress, there has already been a strong indication of how fragile the recovery remains without further fiscal support.
U.S. housing starts fell 10%, nearly double what economists expected, in May, the month after the government ended its home-buyer tax credit. Building permits, an indicator of new construction, also fell.
Even though house prices and mortgage rates remain low–helped by the Fed's $1.25 trillion of mortgage-backed securities, which ended in March–a weak jobs market is keeping buyers at bay.
Recently, there have been some worrying signs that labor market improvements may be stalling. In May, the private sector created only 41,000 jobs, far below the 188,000 expected and the average 114,000 created over the previous four months.
Meanwhile, the number of people filing new claims for jobless insurance unexpectedly rose in the week of June 12, to 472,000, while the previous week was revised upward. Some Fed officials are concerned that unemployment claims remain stuck above the high level of 450,000.
In another sign the economy remains weak following the worst downturn in decades, inflation has been slowing in recent months from already low levels. Consumer prices excluding more-volatile food and energy items rose just 0.9% in May from a year earlier, the smallest annual increase in almost 45 years.
Following the very tame inflation numbers and Europe's debt crisis, J.P. Morgan Chase and Wells Fargo economists last week pushed back their forecast for the Fed's first increase in short-term interest rates. Wells Fargo now expects it around April 2011, while J.P. Morgan sees it only at the end of next year.
A recent paper by the San Francisco Fed, based on projections for inflation and unemployment, suggests the central bank may not need to raise rates to curb growth or inflation until early 2012. Earlier in 2010, many analysts expected the Fed to begin raising rates at the end of the year.
For fear it could spark asset bubbles or higher inflation in the future, Kansas City Fed President Thomas Hoenig may continue to oppose saying in Wednesday's statement that rates are expected to remain near zero for an "extended period." But the majority of Fed officials will likely want to keep that in place.
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Yoga Classes
Each audio yoga class is recorded with love and shared in gratitude. Please accept any extra sounds just as you would in your favorite yoga studio.
Sunset Yoga
- General
- 20 min
- Level 1
- Balance
- Erin Sawyer
A gentle evening yoga practice to release tension and create a sense of calm before sleep. Enjoy!
Finding Joy through Intention Setting
- Hatha
- 60 min
- Level 1
- Awareness
- Francesca Michelle Gold
This is a level 1 beginners class which has the theme of finding joy by starting at a realistic place, where you're at! You'll begin by tuning in to what feels real...
Expansive Shoulder Flow
- Vinyasa
- 30 min
- Level 1+
- Calm
- Renee Allen
Enjoy fluid movement and expansive relief through the shoulders (and a bit in the hips) in this short, smooth and slow-paced 30+ minute Vinyasa Flow practice. (Strap is...
Chair yoga
- Hatha
- 45 min
- Level 1
- Calm
- Natalie Sampila
A chair practice for those at a desk all day or don't want to get on the ground. Focus on breath connection to movement and getting whole body stretch and strengthening...
Finding Hope in Challenging Times, Lighthearted Yoga to Feel Good
- Vinyasa
- 20 min
- Calm
- April Laliberte
This yoga class is for people that feel helpless in today's world. I'm here to tell you because of your hard work, the light is coming! This class will...


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This past week I had the pleasure of working with local Memphis designer, Kristen Keegan, of Good Egg Jewelry. She came to me offering a small promo to show off some of her men's jewelry she's making and what a treat that was! It's not often someone comes along asking to promote their brand, so this was great step in the right direction for me and I couldn't be more thankful for it. Not only does this give me the opportunity to work with someone and represent their image, but it also gives me my first project to work on as well!
I had so much fun doing a little photo shoot at City and State, a local coffee shop and boutique here in Memphis. My protege and manager, Braden Hixson, and I worked tirelessly to find some great angles to show off this cool lava rock bead bracelet Mrs. Keegan graciously gave me. You can already see this piece makes a great accessory for watches or it can be paired with a nice leather bracelet as well! The combos are endless but nonetheless, it's perfect pairing with upcoming fall outfits.
Fall is definitely my favorite time of the year here in the 901, so be sure to stick around because I'm gonna be working on some great outfits to showcase in the coming weeks- and hopefully I can get some good pics of Memphians showing off their #looks as well! Stay tuned folks!
-Carter Lane, The Millennia Man


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People were not aware of Garcinia Cambogia in the western world before 2012. It was featured on the show of Dr. Oz. After that, garcinia cambogia has become popular among the masses and is available in the form of weight loss pills on the market. Dieters try to choose the best rated garcinia cambogia weight loss pills to obtain the result they always wanted to.
Best rated garcinia cambogia is the priority of the people who are looking for effective weight loss products. If you have not used the garcinia cambogia supplement, then you may not know what is it and how it is going to help you. All your confusions will be solved here in the must know garcinia cambogia facts.
- What Is Garcinia Cambogia?
Everyone has seen the pumpkin, right? The garcinia cambogia exactly looks like it. This fruit is green in color, but when you rip it, you can see the yellow or red color. It has been used as a spice. The garcinia cambogia also used by Ayurvedic practitioners as a laxative for treating the patients with the digestive disorder.
Nowadays, the only benefit that grabs the attention of the dieters is the sliming quality of the garcinia cambogia.
- How Does Garcinia Cambogia Work?
The most active component of garcinia cambogia is HCA. All the benefits you are getting out the best rated garcinia cambogia are due to the HCA. It makes you lose weight by blocking an enzyme called Citrate Lyase. It converts the starch and sugar into lipids. In this way, HCA works to burn fat.
The amount of HCA in your weight loss pills should not be less than 50%. The lesser amount is considered ineffective.
- Safety Issue
Best rated garcinia cambogia has offered an advantage to the buyers. As it is certified by FDA and formulated by following the GMP rules. The garcinia cambogia weight loss pills are safe for everyone if you choose the pure one. Check the label of these weight loss products to be sure about the ingredients.
- Dosage
The minimum amount of HCA should be 50% or more for better efficacy. It is suggested to take best-rated garcinia cambogia three times in a day. Take it 30 minutes before your meals. The dose per meal should be around 500 to 1000 mg. The maximum dose per day should not exceed 3000 mg.


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The Parameters and Context of Online Voting: Social Implications
When analyzing the parameters and context of online voting, the third and probably the most important parameter to take into consideration is the social impact: the equation and balance of the advantages vs potential reservations.
On one side of the equation, we find the advantages provided by a more accessible online voting channel.The clearest are groups who are excluded from the electoral process if no means of distance voting is provided. This would include voters suffering from a disability or those temporarily hospitalized, whose transfer to a physical voting facility acts as an excluding factor. Also, eligible voters residing and working overseas, military or other frequently relocating personnel, whose transfer imposes multiple cost aspects (financial and administrative). Traditional channels of voting also preclude that all voters are literate which is not always the case. All these scenarios have been catered to in the recent past by online and electronic voting means.
On the other side of our equation is the technology that could prove to be a potential detractor for citizen participation in online elections. Voter detraction may derive from the lack of technological means needed to cast an e-ballot, the electorate's inability to use those existing or the unavailability of paper ballot voting. The lack of familiarization of the use of e-voting technology in certain social groups can be countered with relevant voter education or the deployment of user friendly technologies. It is much harder though to face the exclusion caused by the lack of technological means.
Nevertheless, the particularity of the democratic element as a functional condition for the delivery of the electoral process obliges those introducing its e-version (i.e. government agents) to make arrangements ensuring participation of all members of the electorate, by making the relevant technological means available to those who need it. Even if the introduction of online voting is based on the prospect of covering for the democratic deficit in contemporary societies, voter exclusion from the necessary technological means can create an even more important social inequality. As such, maintaining some form of paper ballot voting, until such a time when issues of voter exclusion resulting from the introduction of electronic voting are dealt with, is a necessary measure which can ensure equal access to the electoral process for all members of the electorate.
Any election is by nature a social event producing a result with multiple social implications. The validity of the electoral result itself is based on its social acceptance. Therefore the electoral process must be irreproachable excluding no one who wishes to participate, whatever the reason for exclusion may be.


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Emergency Plumbers Maidstone
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TD Robinson Heating And Plumbing Maidstone are Fast Emergency Plumbers Maidstone. We offer an 1 hour response time across Maidstone. last month over 91% of all emergencies in Maidstone where attended too on time and within an hour.
Recently had problems with my boiler and needed a local plumber in Maidstone quickly to repair my boiler. I spoke to Robinson Heating & Plumbing and they were very friendly and came and repaired my boiler within 2 hours. Very happy and warm now.Recommend anyone looking for a plumber in maidstone to use this company.–Lisa Chapman, Lenham, Maidstone
He is a true gentleman, the advice he gave me was really helpful. First class workmanship, he cleaned up after himself every day and i feel the money i paid was well spent. I would definitely recommend him. I 'm pleased to have found MY plumber for future projects. WELL DONE AGAIN.–Karen Tulk, Aylesford, Maidstone
fantastic job, took a little longer than expected but worth the wait we had the whole bathroom completed by Robinson Plumbing & Heating. I have recommend to a friend already.–Sandra Prosser, Maidstone
24 HR Emergency Plumbers Maidstone
At TD Robinson Heating And Plumbing Maidstone our 24 HR Emergency Plumbers Maidstone are here to help with one of our highly skilled Gas Safe Registered Engineers.
For all 24 Hour Emergency Plumbers Maidstone enquires Call us on 01622 410113 to speak to one of our qualified plumbers. Our local 24 Hour Emergency Plumbers Maidstone are on call 24/7 365 days a year with fully stocked sign written vans so that they can deal with your plumbing emergency repairs in Maidstone instantly rather doing the round around for parts!
Over 78% of all of our 24 HR emergency plumbing jobs in Maidstone came from existing customers last month and of those jobs over 69% were completed in UNDER 1 HOUR!
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FAST RESPONSE in an emergency is essential and TD Robinson Heating And Plumbing Maidstone will get to you within an hour at the latest, last month over 91% of all emergencies across Maidstone where attended too on time and within an hour.
Trust reputable, reliable emergency plumbers Maidstone. TD Robinson Heating And Plumbing Maidstone are here to help, Call us on 01622 410113 for an immediate response to your problem!
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Sunday, May 12, 2019
Tsitsipas vs Djokovic in Madrid final
Sunday, May 12, 2019 Dominic Thiem, Madrid Master Series, novak djokovic, rafael nadal, Stefanos Tsitsipas
Stefanos Tsitsipas notched a big upset of second-seeded Rafael Nadal on clay Saturday to reach the championship match of the Mutua Madrid Open.
The rising Greek star's 6-4, 2-6, 6-3 victory over Nadal was his 10th career win against a Top 10 player.
Tsitsipas, who had five aces, will face top-seeded Novak Djokovic in Sunday's final. Djokovic recorded a 7-6 (2), 7-6 (4) over fifth-seeded Austrian Dominic Thiem in the other semifinal.
Djokovic will be looking for his third title in Madrid. He defeated Nadal in 2011 and Andy Murray in 2016.
Tsitsipas will be looking for his second consecutive title as he won the Estoril Open in Portugal last week.
The 20-year-old controlled play against the "King of Clay" in his impressive victory in two hours, 34 minutes. Tsitsipas had lost all seven sets over his three previous meetings with Nadal.
"I'm really happy that I proved myself today," Tsitsipas said afterward. "I played one of my best games this year. I'm really happy that I'm fighting and I'm in the zone. It's really nice to be able to play this way.
"Today's victory is just an unbelievable feeling. I can't really explain it further."
Tsitsipas won the first set before Nadal turned things around in the second. Nadal got the home-country fans in Spain riled up and rode the momentum to a 6-2 win.
But Tsitsipas regained control in the third set. Nadal put up a valiant fight to remain in the match in the final game, but two errors sabotaged his attempt.
When a shot by Nadal sailed into the net to end his bid for a sixth Madrid Open title, Tsitsipas dropped his racket and seemed momentarily stunned at his accomplishment.
"I didn't have a good feeling today to do the things I wanted to do and that's all," Nadal said. "I was clear what I had to do today, but tonight I wasn't capable of doing it."
Djokovic finished his straight-set win over Thiem in two hours, 22 minutes. He saved seven of 10 break points.
He also had a first serve taken away after committing his second and third time violations of the match. Not much of a problem, however, as Djokovic responded on one of the occasions by hitting his second serve for an ace.
"It's also OK to take away the first serve from the player if he exceeds the time," Thiem said after the match. "I think that's completely fine. One time, he hit me with an ace with the second serve, unbelievable, so that was also not going all my own way."
Djokovic didn't allow himself to be bothered by the violations. He felt it was more important to keep his focus.
"It was also a physical match so I took a bit more time between the points, especially in the important moments," Djokovic said. "Nerves kick in. I know I bounce the ball a lot. And I didn't complain for most of those warnings that I got because I know I went over the allowed time."
Article from Reuters


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Breast Cancer Definition:
Like every other kind of cancer, breast cancer occurs when the cells that make up the breast or surrounding tissues begin to grow in an uncontrolled manner. The uncontrolled multiplication of cells eventually leads to a tumor or lump that you may be able to feel when you examine your breasts. Other times, the tumor cannot be felt but it would be visible on an x-ray.
Breast cancer may be broadly classified as malignant or benign. A tumor is malignant if it is has spread to other areas outside the point where the tumor started. These tumors are usually deadly as they could disturb normal body functions when they spread to vital organs. Benign tumors, on the other hand, are restricted to the point of origination. Benign tumors pose less threat and they are easier to manage.
What do breast cancer lumps feel like?
Women are generally encouraged to self-examine their breasts at least once a month although the latest guideline by the American Cancer Society (ACS) discourages this practice. The general consensus appears to be that self-examination of the breasts could help detect breast cancer early. But what exactly do breast cancer lumps feel like?
First-off, you should know that not every lump you find in your breast should set your alarm bells ringing. Many women have lumps in their breast but they do not have cancer. Studies have shown that about 80% of the lumps found in women's breast turn out benign. So, it might be of help to know how to differentiate between lumps you should worry about and those you may not worry about. However, it is imperative to reinstate the importance of talking to your doctor once you know any change in your breast. There is no self-examination skill that would be more effective than contacting a professional.
Some properties of cancerous lumps
- Cancerous lumps are generally irregular in shape
- They are often painless at the early stage
- They usually feel soft to firm to the touch
- They often exhibit little to no movement
- They get bigger with time
Again, you should know that all these properties are not diagnostic. It is easy to confuse cancerous tumors with benign lumps or cysts in the breast. Another benign condition known as 'Fibroadenoma' could also cause lumps to form in the breast tissues. What is most important is that you should see your physician for a comprehensive examination immediately you notice any change in your breasts.
- https://www.cancer.org/cancer/breast-cancer/screening-tests-and-early-detection/american-cancer-society-recommendations-for-the-early-detection-of-breast-cancer.html
- https://www.healthline.com/health/what-does-breast-cancer-feel-like#1
- http://blog.dana-farber.org/insight/2015/10/what-does-a-breast-cancer-lump-feel-like/


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Tony was a candidate for the Tonbridge Judd ward in the 2019 local elections.
"I have lived and worked in the Tonbridge area for nearly twenty years and with recent retirement I am seeking to contribute in a meaningful way to this beautiful town of ours. During my time here I have been engaged in charitable work including fund raising for a variety of local charities and I am a long standing member of the Woodland Walk Association. My background is in corporate management, having been a director in global companies for many years. I am keen to use my experience to the benefit of the community residents, including making the tough decisions for the best possible future for our youth, elderly and working individuals in the ward. In short, I care about people and their quality of life in general and going forward I hope I can contribute to the lives of those living in the Judd neighbourhood in particular."


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1 cm
If the Christmas card is worth doing at all it is Jan (Miss Janetta La Trobe) ; Fir (Clara A.
worth doing well, and if it is to be done well the Lavington); Helga (Josephine Hicks); Jay (Rev.
work will have to be entrusted to artists who are O. J. Jones); Penelope (Mrs. Walton); Toby
not artists in name only. If some serious step is (Ethel W. Whenman) ; Turtium (Emma L.
not taken soon the Christmas and New Year's card Cowlman).
will join the late unlamented Valentine.
Class B. Pictorial Art.
In the September Number of The Studio B II. A Page from an Architectural
there appeared a coloured reproduction of one Sketch-Book.
of Mr. G. S. Elgood's water-colour drawings,
, ■ , i j -i j First Prize (Two Guineas) : Teddie (Miss A. M.
which was erroneously described as representing v ' v
d" ,z, jt» * -a ^ i c v Williams, Walcot, Shaa Road, East Acton,
Pensnurst^ Kent. Jbor the sake of accuracy it ' '
should be stated that the drawing in question London, W.).
is a view of Compton Wynyates, the beautiful Second Prize {One Guinea) : Phil (Jasper P.
Warwickshire seat of the Marquis of Northampton. Salwey, c/o Ravencroft, Son, & Morris, Reading).
Hon. Mention : Peter (Peter Brown); Sea
WARDS IN "THE STUDIO" Quu (Mrs. F. E. Forbes); Alpha (H. P. Hing);
PRIZE COMPETITIONS. Architrave (C. P. Wilkinson); Bux (Bernard A.
Porter); Horseshoe (Percy J. Westwood); Kitty
Class a. Decorative Art. (Mile. N. Deschamps); Pencil (C. M. Walshaw) j
Old Series.
A LIV. Design for the
Front and Back of a
Banquet Menu.
First Prize {Three
Guineas): Curlew (Lennox
G. Bird, io Gatestone
Road, Upper Norwood,
Lon don, S.E.).
Second Prize {Two
Guineas): Pa?i (F. H. Ball,
85 Scotland Road, Carlisle).
Hon. Mention : Doric
(G. W. Mason); Mac (G.
Macintosh); Alex (A. Scott
New Series.
A III. Design for an
Emiiroidered Fall for
a Church Lectern.
First Prize {Two
Guineas) : King (Oswald
Eaton Prest, 47 Haver-
stock Hill, London, N.W.).
Second Prize {One
Guinea) : IV. Max (Albert
Boucher, 20 rue de
Bruxelles, Paris).
LIon. Mention: Ma-
rone (Mary C. Buzzard) ;
Auspal (James Tarney);
Alicia (Alice H. Watts); first prize (comp. a hi) "king"/-.,


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Envoy: State-Sponsored Terrorism Blocks Path for Technical, Scientific Development
- October, 09, 2013 - 11:19
- Politics news
TEHRAN (Tasnim) – State-sponsored terrorism can jeopardize developing nations' progress in technical and scientific fields as it targets their elite individuals in those fields, Iran's permanent representative to the UN said on Tuesday.
Addressing a meeting of the UN General Assembly Legal Committee, Iran's Ambassador to the UN Mohammad Khazaie said state-sponsored terrorism endangers peace, security, and blocks the path for technical and scientific development of the developing countries through killing those countries elites.
"The Islamic Republic of Iran has been a victim of terrorist acts for more than three decades, including state-sponsored terrorism," Khazaie added.
"We, as citizens of a country that has always been targeted by this notorious phenomenon, are quite aware of the aftermaths of the terrorist acts for the victims and the society."
Khazaie said that the state-sponsored terrorism has already led to "martyrdom of a number of our country's scientists" and that it was a sample of the challenges with which the world is entangled today.
He expressed regret that the vicious phenomenon is dealt with selectively by some world powers, which divide acts of terrorism into good and bad ones.
He warned that such dual approaches could harm the spirit of trust and cooperation in the international arena and argued that the only way to launch a global movement against terrorism is for the global community to adopt a unanimous approach against the phenomenon
Khazaei urged the international community to throw its weight behind Tehran's call for the idea of the World against Violence and Extremism (WAVE).
He added, "As the president of my country reiterated, today aggression and extremism have penetrated beyond the physical barriers of the countries, and they have unfortunately damaged the spiritual and psychological dimensions of human societies."


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Eat Drink Bangor & Yoyo Wallet
Get discounts on food and drink with the new yoyo app from Eat Drink Bangor
Download the Yoyo app today to start earning loyalty & rewards. With Yoyo you can;
- Pay faster - Pay using yoyo for super quick transactions and access to all the best discounts across our outlets, you'll also get digital receipts straight on your app.
- Earn always - Get points on every purchase you make across the university food and drink outlets*. Every £1 is worth 100 points!
- Reward yourself - Exchange your points for a reward of your choice. We have plenty to choose from whether you would like a bagel at Cegin or some nachos at Bar Uno.
To get the FREE app simply follow these three steps;
- Download the app
- Create an account and set your education/workplace as Bangor University
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Download here;
Refer a friend T&C's
When you refer a friend to use Yoyo we'll reward you both with a free hot drink voucher. To receive the voucher you will need to send the refer a friend link to your peers from the Yoyo app through your email or text. Your referred friend will then need to click on the link and follow the instructions to set up a new account with Yoyo. Once your referred friend makes their 1st transaction using Yoyo you'll both receive a free hot drink voucher.


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Kawai CA99 Digital Piano
By Kawai
Instant Online Finance - get a decision in minutes - and goods delivered within 24-48 hours
View the finance options below to calculate your monthly and total payments for your purchase.
Simply select finance at the checkout, then choose your preferred option and complete your application form.
Finance Terms & Conditions
Applicants are required to be at least 18 years old, employed and UK resident for the last 3 years to qualify.
Home delivery orders, paid with finance, can only be shipped to the address used in the finance application.
Customers using our Click & Collect service will be required to present 2 forms of ID when collecting orders at store.
Click here for full details.
Kawai's flagship Concert Artist piano just got better.
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The Kawai CA99 digital piano offers one of the greatest grand piano experiences, all within a new upright body. And thanks to the new Grand Feel III wooden-key keyboard action, the CA99 feels firmer, faster, and more authentic than ever.
As the crown jewel of Kawai's Concert Artist range, the CA99 now has a new and improved sound system. Boasting the popular TwinDrive Spruce soundboard system, the CA99 now uses speaker diffuser panels to create a naturally immersive experience. Digital pianos have never sounded this good.
To ensure you get the best possible experience, Kawai has collaborated with Onkyo to produce specialist filtering, amplification, and speaker components. This premium technology faithfully reproduces the unique harmonic characteristics of the Shigeru SK-EX concert grand piano which is at the soul of the CA99.
- Brand new Grand Feel III wooden-key keyboard action
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- Built-in Burgmüller, Czerny, Beyer, Chopin etudes and Alfred lesson song
- Convenient WAV/MP3/MIDI file record and playback via USB memory
- Attractive cabinet designs available in wood grain and ebony polish finishes


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Seymour Duncan APH-2b Alnico II Pro Slash Bridge Humbucker Electric Guitar Bridge Pickup
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The Seymour Duncan APH-2b Alnico II Pro Slash Humbucker honors guitar hero Slash with his first signature pickup. The Seymour Duncan APH-2b bridge pi...Click To Read More About This Product
A warm, moderate-output humbucker pickup designed to produce Slash's unique recorded guitar tone.
The Seymour Duncan APH-2b Alnico II Pro Slash Humbucker honors guitar hero Slash with his first signature pickup. The Seymour Duncan APH-2b bridge pickup's tone will be familiar to anyone who has heard Slash's recorded tone.
Like the standard APH-1 Alnico II Pro, which Slash has used for years, the Seymour Duncan Slash pickup uses an AlnicoII magnet. However, the Alnico II Pro Slash humbucker is wound with just enough boosted output to push a stock Les Paul guitar toward the sweet sustain and rude crunch that characterizes Slash's sound. In addition, Seymour Duncan enhances the APH-2b bridge pickup with some of the same appointments found on the Duncan pickups seen in Slash's '86 recording axe: a single-conductor cable, a long-legged bottom plate, and a wooden spacer. For true fans, or for players who want to capture Slash's recorded tone, the APH-2b pickup is a critical part of the tone chain. This is the same pickup found in the newest Gibson Slash model Les Paul guitar.
Though he has dozens of amazing guitars, since 1986 Slash has used pretty much one very special Les Paul for all recording. The Alnico II Pro Slash pickup was designed to give Slash's other Les Paul guitars (what he calls his "live guitars") the exact tone of his legendary recording guitar.
With the ubiquitous top hat and shades, mop of black curls obscuring his face, and a blazing electric guitar tone blasting through a wall of amps, Slash epitomizes the very reasons we first air-strummed a low-slung tennis racquet in the privacy of our bedroom. For over 3 decades he has relied on Seymour Duncan pickups for his guitar tone.
Warm, moderate-output humbucker. Recommended for jazz, blues, and classic rock.
Complete setup:
The Slash aficionado will use a pair of these pickups to capture that unmistakable tone. This pickup matches well with the SFX-11 Twin Tube Blue all-tube overdrive-distortion stompbox (sold separately) for singing leads and authoritative chording.
While designed for use in a Les Paul, this pickup works well in any well-balanced humbucker-equipped guitar. Also works great with hollow and semi-hollow body guitars.
The Alnico II Pro Slash is hand built in Seymour Duncan's Santa Barbara, California workshop and includes all mounting hardware. Recommended for the bridge position.
Capture Slash's recorded tone when you order an APH-2 humbucker today.


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The Write Romantics have a secret. I've said it now, it's out there. Don't get too excited, it's nothing that involves weird rituals or complicated handshakes, and certainly nothing involving dalliances with celebrities you could sell to the Sun newspaper. More's the pity. That said some of us do have Pinterest boards that might make Aidan Turner want to take out a restraining order…
Our real 'secret', though, is the private Facebook group we use. It's like a virtual watercooler around which the ten of us meet to gossip, complain, share and celebrate our writing lives and beyond. It helps stave off the loneliness that can come with being a writer and it's also a brilliant source of information.
Just recently, Alys, who teaches creative writing, as well as creating fantastic fantasy and steampunk novels, asked us to tell her our methods for organising writing ideas, so that she could share these with her students. Suffice it to say that, as a pantster, I learnt a lot and I promised to share the responses here. I hope you enjoy it and we'd love you to comment if you have your own methods. Let's face it, I for one still have a lot to learn.
Jo x
I'm a notebook and photos kind of person. I had a pinterest board for my steampunk book that I used while I was writing, but mainly for fab pictures of clothes, hats and steamcars!
Helen R
I make notes on my iPhone and then email to myself… I have a file in Hotmail with lots of ideas now! I don't think I have time to write them all though. Once upon a time it was a notepad but now phone is easier as I always have it with me. When I start a new book I have a new file and stash away photos, drafts, character notes etc
I have a whiteboard for particular stories and stickies on the computer. I also use three separate pages of 'notes' on my iPad for names, titles and emotions. Although don't let this give you entirely the wrong impression, I also usually have a whole heap paper in my 'office'.
Helen P
I use Pinterest boards for every book, notebooks and I have a notice board for each book where I pin my pictures and ideas. I also use a whiteboard to keep track of characters and plot strands. Evernote on my phone is great too, when I'm awake at 4 am but can't be bothered getting out of bed to write it down! Oh, and post-its. Lots of them.
I have a little black book and notes on the pc, but I am a disorganised pantster so would not want to give anyone my advice. I tried Pinterest once, but then I forgot to go on there for ages and now I can't remember the password… Are you sensing a theme here?
I email stuff to myself and store it in a file called 'inspiration' and I have a notebook with me all the time and one by the bed to jot nocturnal notes in.
I have nice hardback notebooks, plus little one for my bedside table and even smaller one for my handbag which I always forget to take, but that's the theory. I've got a computer file labelled ideas but never remember it's there, so the notebooks work best for me. I also keep a file of cuttings from newspapers etc which might trigger ideas and a Pinterest board to store images.
I have a special notebook where I write each new idea. It might be a title, or just a sentence, but each idea has its own page. As the idea develops in my mind, I then open a file on my computer for it and add photos, info etc and build it that way.
I use a secret Pinterest board for each book. I jot ideas that pop into my head on my phone then I write up rough story ideas on the computer. When it's time to pull it all together and start plotting and going into motivation, theme etc, I use a notebook. I also have a pinboard with a timeline worked out for a couple of characters and a complete list of all the Kearton Bay characters' birthdays and the ages they'll be in each book.
I use a mix of post it notes and other little notes hiding in a drawer and a file on my mac which has ideas for titles and ideas for concepts.
We hope you enjoyed hearing how we capture our writing ideas, now over to you.


text: Since joining the Red Sox 13 years ago, David Ortiz has become the face of the franchise, leading the team to three World Series championships while becoming just the 27th member of baseball's exclusive 500 home run club. In his final season, Ortiz has become increasingly popular among baseball card collectors. A wide-range of Ortiz … Continue reading David Ortiz and The Most Memorable "Big Papi" Baseball Cards


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At its space in the East Village, the Theater for the New City houses four individual theaters: the Joyce and Seward Johnson Theater, the Cino Theater, the Community Space Theater and the Cabaret Theater. It produces 30 to 40 premieres of new American plays per year; at least 10 of these are by emerging and young playwrights.
Programs for Seniors
TNC distributes free tickets to a core group of more than 25 community organizations, including senior citizens centers. The program encourages thousands of disabled and elderly New Yorkers to attend TNC theater productions.
The education program is designed for at-risk students as well as those with limited proficiency in English. It is composed of an after-school program in the lower east side and it has served P.S. 20, JHS 64, the Regents Family Shelter and the Catherine Street Shelter. The Afterschool Program also serves youth in their early teens.


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Find a PACE Program in your Community
From as far north as Humboldt County to San Diego County at the southern end of the state, California has 19 PACE providers helping elderly individuals maintain their independence, dignity, and quality of life. Nationally, there are 131 PACE programs operating 260 PACE centers in 31 states serving over 54,000 participants.
Find a PACE Provider in Your Community


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MapBox, the start-up behind the map function in Foursquare and car-service Uber, announced Wednesday it closed a $10 million financing round from Denver-based venture firm the Foundry Group.
The Washington- and San Francisco-based start-up customizes interactive maps for Web sites and apps. In addition to supporting smartphone technologies like Uber, MapBox's platform is used by media outlets to visualize data for readers — for instance, Financial Times used it to create a map illustrating regional conflict in Syria. NPR, USA Today, and Slate have done similar projects on the platform.
This round of funding will be used to add more people to MapBox's 35-member team, particularly engineers, according to chief executive Eric Gundersen.
"We're only going to win if we have the fastest mapping technology," Gundersen said.
The Foundry Group has invested in several data-centric start-ups including FitBit, which relies on special wrist gear and other wearable monitors to track fitness. "While the digital mapping and satellite imagery industry has long been dominated by large companies, governments, and a proprietary data mindset, the open-source and open-data movements have made inroads into the mapping world," Foundry Group managing director Ryan McIntyre wrote in a blog post announcing the financing.
This is MapBox's first round of early-stage financing. Until now the start-up has relied on $649,000 in grants from the Knight Foundation. Last year, MapBox won a Knight Foundation news challenge by proposing to improve OpenStreet Map, an online world-map any user can contribute to, by making it easier to add building locations, street names and points of interest.


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Zichai Company adheres to the service concept "user's interests first", takes "solve the problem and re-start genset first, analyses the reason later" as its service principle, timely and accurate solve quality problem, to ensure user win the maximum economic benefits.
• Pre-sale, in-sale, after-sales full professional services;
• Experience specialist staff, who will be on site quickly and reliably when needed;
• 24/7 on line service.
▪ Company will send technician to guide the installation and commissioning of the equipment and train the operators and maintainers.
▪ Company help the customers to establish the regulations and operation rules to ensure secure production and in-time maintenance.
▪ Customer can send staff to Company to learn the working principles and operational and maintenance techniques.
▪ Spare parts are supplied in time and accurately. And the quality warranties are the same with those of the assembled machines.


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Yoga and Mindfulness
This past weekend I took what turned out to be the most raucous yoga class I've ever experienced.
Five minutes before the scheduled start time, more men than women were lined up outside the yoga studio, stretching and looking very serious. This should have been my first clue that we were in for a serious workout – well, that and the fact that the class was termed Power Yoga. Then I spotted the instructor (who I'll call Mike) and had a pretty good idea of what we were in for. He's also a personal trainer at the gym and is quite talkative, energetic, and given to bursting into song. All good, just not your stereotypical serene yoga instructor.
Mindfulness note: Notice, don't judge. Let go of assumptions.
After the previous class finished about 25 people streamed into the classroom, jockeying for position on the floor and arranging various props (blocks, rugs, towels) around our mats, looking in some cases as if we were building mini fortresses. Mike cranked up some extremely loud rap music, donned a headset, and immediately began to compete in volume with the music, leading us in numerous sun salutes. I thought, "I've never been yelled at in a yoga class before!"
Mindfulness note: And you're mentally yelling back.
Okay, okay. I was here for physical and mental well-being. Acceptance of the situation as it was sounded healthier than being frustrated. All the same, as we proceeded through numerous pushups, downward dogs, and warrior poses, I intermittently muttered to myself, "Oh, come on!", but somehow I could also laugh a little at my reactions.
Mindfulness note: We are not our thoughts. Let the thoughts float by like a cloud passing across the sky.
Still, about 45 minutes into the class and still wanting some peace and quiet, I vowed that I would never again darken the door of one of Mike's classes At this point Mike passed by me as I was hanging upside down in a triangle pose, and he turned upside down as well, smiled, and waved at me. This caught me off-guard and I found myself smiling in return.
Mindfulness note: Behold the power of a kind gesture.
One hour down, 15 minutes to go. I noticed pools of water on the floor by the man next to me. He must have spilled his water bottle, I thought – then it became evident that the puddles were actually perspiration. Looking around, this seemed to be a common theme. Considering the class's popularity and the presence of many body builders, it occurred to me what a valuable service Mike was providing, attracting many people who might never attend a yoga class unless such a boisterous instructor and/or music were involved.
Mindfulness note: Let go of expectations of what an experience "should" be.
However, I then noticed (as we executed a challenging series of "abominable" abdominal exercises) that Mike was simultaneously checking his cell phone as he barked out instructions. I pointedly looked in his direction as I continued to work out, to indicate "I see you", just in case he looked up, but he stayed focused on his phone.
Mindfulness note: Who am I to judge? Give people the benefit of the doubt. He might be expecting an important call or e-mail and still wanted to fulfill his commitment to teach the class.
Winding down, with ten minutes to go, we were instructed to assume the dreaded pigeon pose, involving one leg folded in half under one's torso and the other leg stretched out behind. My mind protested, "Don't you know this is terribly distorted and will wreck my knee? I cannot do this!", only to realize, "Oh, I am — no pain", due in no small part to the arduous, heat-producing, and muscle-lengthening moves we'd just completed. Mike had a method to his apparent madness.
Mindfulness note: We don't always have to "fix" our discomfort. Sometimes it's part of the plan. Be grateful for the lesson.
With about five minutes left in the class, I found myself transitioning into mild tearfulness. Perhaps I'd surrendered to the class format, Mike's style, and the present moment in general. Or perhaps I'm giving myself too much credit. At any rate, the thought "Do all things in love" had come to mind, and it seemed as if this would be the healthy way to approach this and all situations. After the class ended and I'd put away my blocks and rug, I made it a point to thank Mike for the class, at which he smiled, touched my shoulder, and said, "Glad you came". So, maybe I'll be back, with more accurate expectations (and perhaps ear plugs).