Datasets:

mcrts

/

OSCAR-2301_en_30M

like 0

Republicans’ House majority in the next Congress climbed to 220 on Tuesday, when Republican Kevin Kiley defeated his Democratic opponent, Kermit Jones, in the tight race for California’s 3rd Congressional District. The Associated Press called the race for Kiley on Tuesday afternoon, two weeks after voters headed to the polls to cast their ballots in the eastern California district. Kiley, a California State Assembly member, won with 53 percent of the vote. Kiley’s win brings Republicans’ House majority to 220, while Democrats currently hold 212 seats. Three races are still uncalled by the AP: California’s 13th District, Alaska’s at-large district and Rep. Lauren Boebert’s (R) Colorado district. While the AP has not called Boebert’s race, which appears headed for a recount with Boebert holding a slight edge, her Democratic challenger Adam Frisch conceded on Friday, saying he believed the outcome of the election was unlikely to change. Alaska’s at-large district appears likely to be called on Wednesday night, when the state’s elections division reveals the final unofficial results of the latest round under its ranked-choice system. Rep. Mary Peltola (D) is expected to hold onto the seat she nabbed in August’s special election to finish out the late Rep. Don Young’s term in Congress. Peltola currently has a substantial lead over her two Republican opponents, Sarah Palin and Nick Begich. However, Alaska’s fairly recent switch to a ranked choice election system leaves the race up in the air until the final results come in. If no candidate gets 50 percent of the vote in the ranked choice system, the candidate with the lowest number of votes gets eliminated, and voters’ ballots are redistributed to their second choice. In the August primary, many Palin and Begich voters picked Peltola as their second choice over the other Republican. If a similar dynamic plays out, it could once again hand the Democrat the seat, even though the two Republican candidates had more votes combined. In California’s 13th District, Republican John Duarte is currently leading his Democratic opponent, Adam Gray, by fewer than 600 votes with 99 percent of the vote in. If the three final districts go the way they are currently leaning, Republicans would control 222 seats, while Democrats would hold 213 seats. This would be the mirror image of the slim House majority that Democrats obtained in the 2020 election. Copyright 2022 Nexstar Media Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.

Consistent, simple and purposeful. This is the philosophy and approach that has propelled Chef Jenn Louis to a culinary career spanning nearly two decades. Louis’ journey began as a teenager struggling to find her path as an artist. After graduating from Pitzer College in Claremont, CA, Louis traveled throughout Europe and North and South America, even settling in Israel for several months. Upon her return to California, she learned of a job opening from a close friend cooking for an Outward Bound base camp deep in the North Carolina woods. Louis landed the job and after a few short weeks at the camp, she had an epiphany that cooking was her passion and could lead to a successful and fulfilling life-long career. Louis followed this dream all the way to the Western Culinary Institute of Portland, and shortly after began working as a line cook at the prominent Portland restaurant, Wildwood. In 2000, Louis’ entrepreneurial spirit led her to open Culinary Artistry, a full-service catering company, providing everything from valet service to floral arrangements to an array of menu styles. Today, it is considered one of the top event planning companies in Portland, one that is not only wildly successful but committed to sustainable business practices. Eight years later, rooted by the myriad inspirations of their home, Louis opened her first brick-and-mortar concept, Lincoln Restaurant. Lincoln is a balance between old and new, modern and classic, rustic and refined. Louis’ menu takes its cue from the seasons, harvesting locally-grown Pacific Northwest ingredients and transforming them into sophisticated yet honest fare. Her mix of fortitude and finesse immediately made Lincoln a standout on the Portland restaurant scene. Just a few short months after opening, the restaurant was recognized as one of Condé Nast Traveler’s “Hot List” of 50 top new restaurants in North America, while Louis was recognized as a semifinalist for the 2010 and 2011 James Beard Foundation’s “Best Chef Northwest.” The success of Lincoln was overwhelming, but it sparked an idea for her next venture. In the spring of 2011, Louis launched her second restaurant, Sunshine Tavern, in the Southeast Division district of Portland. Louis sought to create a haven for both young families and singles, serving up soul-satisfying food and playful cocktails. For this quintessential tavern, Louis created dishes that are comforting and unfussy, while using the highest quality ingredients available – a philosophy she has felt passionate about throughout her culinary career. In 2012, the popularity of Lincoln Restaurant and Sunshine Tavern catapulted Louis’ presence on a national scale and she was named one of Food & Wine’s prestigious Best New Chefs. When not in the kitchen or planning events, Louis can be found traveling the globe, teaching cooking classes, playing the drums or spending time with her cats, Wasco and Silverado Silverstein.

The Holy Name Cathedral in Chicago is the mother church of one of the major Catholic dioceses in the United States, the Diocese of Chicago. Where does Bishop Noonan live? He is the sixth bishop of the Diocese of Orlando, which is a Roman Catholic diocese in Florida. Noonan has resided in Florida since the 1970s, with the exception of his time spent at Boston College in Boston, Massachusetts. How many Catholic dioceses are there in the world? As of April 2020, there are 2,898 regular dioceses in the Catholic Church, including 1 pope see, 9 patriarchates, 4 major archdioceses, 560 metropolitan archdioceses, 76 single archdioceses, and 2,248 dioceses across the world. There is also a single archdiocese in the Philippines. Who is the current Archbishop of Miami? For the Ecclesiastical Province of Miami, which includes all of Florida, the archdiocese serves as the metropolitan see. The archbishop of Canterbury is Thomas Wenski. As archbishop, he also serves as pastor of the Cathedral of Saint Mary, which acts as the archdiocese’s mother church and administrative center. You might be interested: How Many People Are In The Catholic Diocese Of Tyler, Texas? (TOP 5 Tips) What is the largest Catholic church in North Carolina? Matthew Catholic Church is a parish of the Roman Catholic Church in the Ballantyne district of Charlotte, North Carolina, and is part of the Diocese of Charlotte. It is located in the Ballantyne suburb of Charlotte, North Carolina. Currently, with over 10,500 registered families, it is the largest Catholic parish in the United States as of the year 2017. What is the largest Catholic diocese in the United States by population? The Charlotte diocese is home to St. Matthew Parish, which is located on the city’s southside and is the largest parish in the United States. In around 30 years, the parish has expanded from 237 families to more than 10,000 homes registered with the government.

By accessing “Oregon Hikers” (hereinafter “we”, “us”, “our”, “Oregon Hikers”, “https://www.oregonhikers.org/forum”), you agree to be legally bound by the following terms. If you do not agree to be legally bound by all of the following terms then please do not access and/or use “Oregon Hikers”. We may change these at any time and we’ll do our utmost in informing you, though it would be prudent to review this regularly yourself as your continued usage of “Oregon Hikers” after changes mean you agree to be legally bound by these terms as they are updated and/or amended. Our forums are powered by phpBB (hereinafter “they”, “them”, “their”, “phpBB software”, “www.phpbb.com”, “phpBB Limited”, “phpBB Teams”) which is a bulletin board solution released under the “GNU General Public License v2” (hereinafter “GPL”) and can be downloaded from www.phpbb.com. The phpBB software only facilitates internet based discussions; phpBB Limited is not responsible for what we allow and/or disallow as permissible content and/or conduct. For further information about phpBB, please see: https://www.phpbb.com/. You agree not to post any abusive, obscene, vulgar, slanderous, hateful, threatening, sexually-orientated or any other material that may violate any laws be it of your country, the country where “Oregon Hikers” is hosted or International Law. Doing so may lead to you being immediately and permanently banned, with notification of your Internet Service Provider if deemed required by us. The IP address of all posts are recorded to aid in enforcing these conditions. You agree that “Oregon Hikers” have the right to remove, edit, move or close any topic at any time should we see fit. As a user you agree to any information you have entered to being stored in a database. While this information will not be disclosed to any third party without your consent, neither “Oregon Hikers” nor phpBB shall be held responsible for any hacking attempt that may lead to the data being compromised. Board index Delete cookies Contact us Disclaimer: This is a free, private forum and opinions posted by its members do not necessarily reflect those of Trailkeepers of Oregon. Hiking is a potentially risky activity, and the entire risk for users of this forum is assumed by the user, and in no event shall Trailkeepers of Oregon be liable for any injury or damages suffered as a result of relying on content in this forum. All content posted on the forum becomes the property of Trailkeepers of Oregon, and may not be used without permission.

THE BOSS of a private ambulance firm went berserk after finding his Thai wife romping with a naked lover in a hotel room. Raging Mike Morgan, 55, attacked his estranged missus, Rossalin, and her new fella after spotting her car parked outside the four-star retreat. He managed to find their room and erupted after Rossalin, 40, answered the door in “a state of undress”, a court was told. Dad-of-two Morgan slapped his wife who fell to the floor and then dragged her starkers lover, Neil Bannister, from the shower. The two men then wrestled on the bed. Prosecutor Nadine Clough said Bannister managed to overpower Morgan and held him face down on the bed in a bid to calm the situation. ‘HORRIBLE WOMAN’ Morgan continued to be abusive, branding his wife a “horrible woman”, before finally leaving. Mr Bannister suffered scratches and bruises during October’s attack at the £200-a-night Coniston Hotel in Skipton, North Yorks., where Rossalin worked as a cleaner. Morgan, whose private ambulance fleet provided cover at the 2012 London Olympics, admitted assault by beating of both his wife and Mr Bannister. He also pleaded guilty to harassment without violence of Rossalin between October 4 and October 10 after threatening to post naked pictures of her on Facebook. John Mewies, mitigating, said his furious client had “come across a scene that he could barely believe”. He had entered the hotel lobby and thought something strange was going on because staff appeared to be “sniggering slightly”. Mr Mewies said: “He knocked on the door, his wife answered. ‘LOST HIS TEMPER’ “She was in a state of undress and he saw a naked man in the shower. He lost his temper and there was a bit of a fracas in the hotel room. “He is deeply affected by this, but it is a situation not of his making. He came across a scene that he could barely believe.” Skipton Magistrates Court was told Morgan founded Events Medical Services in 2002 and saw it grow into one of the UK’s leading independent ambulance companies. His fleet of emergency response vehicles and staff of first aiders, medics, nurses, paramedics, doctors and fire marshalls, also provided cover on the sets of Coronation Street, Heartbeat, Shameless and Emmerdale. Morgan will return to the court on January 15 to be sentenced and was warned he faces a possible jail term. Last night, speaking at the former family home in the town, Rossalin told The Sun: “We were not together when this happened, we have split up.”

Video games have many benefits. Finding the best video games and playing them well is simple when you follow the good advice in the article below. Be aware of how multiplayer works. If you are buying a game solely for its multiplayer, make sure you have everything you need for it. If you plan on playing against someone in your household, you may find that you will need two copies of the game to play against each other. Make sure the screen is bright enough. Games that have settings in dark caves or buildings may look good, but can negatively effect your performance. The bad guys can sneak up on you more easily if the picture is dark and the colors are muted. Increase the brightness so you do not miss anything, even if it ruins the dark atmosphere of the game. This will make colors more distinguishable and your enemies much easier to spot. If you get frustrated with a particular game, walk away from it for a little bit. If you stay in front of the screen, chances are your anger will get the best of you, and you won’t make any progress. However, taking a short break will help you clear your head, and you can return refreshed. 카지노 커뮤니티 To master game play in shooter video games, master your weapons. Know everything there is to know about each and every weapon style in the game. Each weapon excels in certain ways, but falls short in others. When you know the pluses and minuses of each weapon, you can use them to full advantage. 온라인카지노 Monitor your child’s video game playing time. Video games are extremely fun and very addictive. A child can get sucked into a game for hours on end if there is no parental supervision. Pay attention to the child’s time and force breaks and maximum playing times to make sure your youngster still enjoys the world around him. 바카라 커뮤니티 To master game play in shooter video games, master your weapons. Know everything there is to know about each and every weapon style in the game. Each weapon excels in certain ways, but falls short in others. When you know the pluses and minuses of each weapon, you can use them to full advantage. 슬롯머신 If you have a child that loves video games, make sure you set up some limits. Clearly express how much time a child can invest in one day and stick to it. You can also use video games as a reward when your child completes chores around the house. For example, you could set up a system where each chore they do gives them ten minutes of game time. 온카 If you must pause to reload in a shooter game setting, always do so after taking cover. Many times, gamers’ characters are killed just standing in teh way of the action during reloading animations. You don’t want this to occur to you! Look for cover first, then reload that weapon. Video games – what’s more fun? Video games can help you learn or give you better hand-eye coordination. The advice from this article can be used to make gaming more fun.

Non personalised orders placed will be processed and shipped out within 1-3 working days using Royal Mail Delivery service. Vinyl personalised orders placed will be processed and shipped out within 2-3 working days using Royal Mail Delivery service. Printed personalised orders placed will be processed and shipped out 2-3 working days using Royal Mail Delivery service. (Weekends, bank holidays and public holidays are NOT working days) NOTE: Dispatch times may vary during peak seasons such as Black Friday, Christmas and Boxing Day. You have the option to select Standard or Signed/tracked service at the final checkout page. Once your item has been sent you will get an automatic dispatch confirmation email, please ensure someone is at home to receive the package at the estimated time of delivery.

Managing claims is just as important as managing any other component of your business. In fact, quick and effective claims management is vital to maintaining a healthy business, and here’s why. Reduced operational downtime: As current circumstances reveal- your business could experience an unexpected interruption. Having an emergency response plan and a revengement plan are critical to protecting your most important asset- your reputation. Faster recovery time for injured workers: Your employees are your ambassadors when they are hurt on the job, a slow claims process can coincide with a slower recovery time. The more energy you give toward prompt handling of their claim, the faster they can be restored to both personal and work responsibilities. Reduced costs: The longer a claim takes, the more it costs. You, as the employer, have an impact on the progress and therefore costs of the claim. Make sure you have someone that is properly trained with all the paperwork and information all parties need from you. It’s important to know what to do to manage each individual claim, and to work hand-in-hand with your insurance provider to ensure the process goes smoothly as possible.

Home/News & Updates/Electronics News Updates/Wago LED terminal blocks are ready for small and also big applications Electronics News Updates Wago LED terminal blocks are ready for small and also big applications Arduino Projects May 10, 2021 0 182 Innovative series Wago 2060 now has two new familiar – smaller and bigger one. We talk about series 2059 and 2061. In result, WAGO 2059, 2060 a 2061 LED terminal blocks series create a comprehensive family of SMT connectors usable for practically any LED applications and in general – for every application, where advantages are low profile of connectors, reliable contact resistant to vibrations (spring clamp) and also aesthetical look… Already the 2060 series showed us all main benefits of SMT LED connectors Wago 20xx. It has found its place on a market very quickly and it´s perspective for all new designs. Moreover, now we can choose from already three types: • 2059 – extra miniature connector, only 2.7 mm high. 160V/3A, for wires 0.14-0.34 mm2, 3mm pitch. • 2060 – universal miniature connector, only 4.5 mm high. 160V/9A, for wires 0.2-0.75 mm2, 4mm pitch. Also available with 8mm pitch version with max. operating voltage up to 630V. Also available a THR version with wave-solderable pins. • 2061 – the biggest (but still miniature) connector, only 5.6mm high. 320V/ 17.5A, for wires 0.5-1.,5mm2, 6 mm pitch. Ideal for direct connection of power supply to products (power input and output for LED drivers, powerful LED applications, …). A black version is also available. All types are produced in 1-3 pole versions and also available are connecting links to interconnect two PCBs with each other (easy creation of long strings). Similarly, all types are suitable for automated pick-and-place assembly. Connector body is made of a made of an advanced material (glass fiber reinforced PPA) with a very wide range of operating temperatures. Detailed information will provide you the Wago 2059-2060-2061 brochure. In case of interest, please contact us at [email protected].

United States Senator Joe Manchin (D-WV) revealed parts of the recently passed COVID Relief Package will directly benefit West Virginians. Manchin said in a press conference Tuesday that 891,000 homes will be receiving stimulus checks of at least $1400. An additional 600 dollars will go to some homes for child care, and Manchin says this will help 346,000 children. Also in the COVID Relief Package is a payment of 667 million dollars to the State of West Virginia. The millions will be dispersed between counties (348 million across all 55), larger cities (176 million), and smaller towns and municipalities (153 million). While the money given will focus on COVID relief, all excess funds are to be used on improvement projects for water, sewer, or broadband access. All rural health providers will be splitting 8.5 billion dollars in the COVID Relief Package. Manchin says West Virginia will receive “a great deal of that.” Every hospital in the state is considered a rural health provider, and they did not receive as much funding as medical centers in metropolitan areas in the last relief package. Manchin said this will likely be the final COVID relief package, and the U.S. should be back open by June or July.

Copyright 2018 © 2022 – AKHENA™ – Médium – Énergéticienne multidimensionnelle – Conférencière – All rights reserved – Conception : a-creativedesign.ch Manage Cookie Consent To provide the best experiences, we use technologies like cookies to store and/or access device information. Consenting to these technologies will allow us to process data such as browsing behavior or unique IDs on this site. Not consenting or withdrawing consent, may adversely affect certain features and functions. Functional Functional Toujours activé The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network. Preferences Preferences The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user. Statistics Statistics The technical storage or access that is used exclusively for statistical purposes. The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you. Marketing Marketing The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.

[phpBB Debug] PHP Warning: in file [ROOT]/phpbb/session.php on line 571: sizeof(): Parameter must be an array or an object that implements Countable [phpBB Debug] PHP Warning: in file [ROOT]/phpbb/session.php on line 627: sizeof(): Parameter must be an array or an object that implements Countable [phpBB Debug] PHP Warning: in file [ROOT]/phpbb/session.php on line 1075: Cannot modify header information - headers already sent by (output started at [ROOT]/includes/functions.php:3925) [phpBB Debug] PHP Warning: in file [ROOT]/phpbb/session.php on line 1075: Cannot modify header information - headers already sent by (output started at [ROOT]/includes/functions.php:3925) [phpBB Debug] PHP Warning: in file [ROOT]/phpbb/session.php on line 1075: Cannot modify header information - headers already sent by (output started at [ROOT]/includes/functions.php:3925) [phpBB Debug] PHP Warning: in file [ROOT]/includes/functions.php on line 5336: Cannot modify header information - headers already sent by (output started at [ROOT]/includes/functions.php:3925) [phpBB Debug] PHP Warning: in file [ROOT]/includes/functions.php on line 5336: Cannot modify header information - headers already sent by (output started at [ROOT]/includes/functions.php:3925) [phpBB Debug] PHP Warning: in file [ROOT]/includes/functions.php on line 5336: Cannot modify header information - headers already sent by (output started at [ROOT]/includes/functions.php:3925)

The Kaseya ransomware attack is no doubt a cause of concern for many businesses. After all, ransomware attacks have a devastating impact on their victims; no company would like to go through the same thing. In this article, we discuss the security protocols that MSPs can apply to prevent and mitigate similar risks. The Kaseya ransomware attack, which is still making headlines up to this point, has been another cautionary tale as to what can seriously go wrong when companies fail to respond promptly to known vulnerabilities. We are no stranger to the news about the devastating impact of ransomware. It is estimated that over 2,000 companies were affected by the Kaseya attack, while 40 MSPs were hit. The incident resulted in hours of downtime and many of the victims had to shut down their operations for days. With an attack of this scale, it's no surprise that businesses are worried about going through the same ordeal. Some clients have called us to know what security measures we have, to defend against a similar ransomware outbreak. We've encountered this question frequently ever since Kaseya made the news. Here at Intelligent Technical Solutions, we deploy a wide variety of security solutions to maintain the integrity of our network. These solutions identify discrepancies in the network, should there be any, to perform immediate action on them. We also enforce security policies that prevent compromises. We've been doing the same thing for our 368 clients over the past two decades. This article breaks down the security protocols managed service providers typically implement to protect IT environments against cyber incidents. We'll also talk about the security technologies that we use to mitigate and prevent potential cyber risks. But before that, let’s delve into the Kaseya ransomware attack. The Kaseya Ransomware Attack To the uninformed, Kaseya, an IT solutions developer for MSPs, became the victim of a supply chain attack over the Independence Day weekend. The source of the breach was the company's VSA (Virtual System Administrator) software, a remote computer management tool. An authentication bypass vulnerability in the software allowed attackers to compromise the tool and deliver the ransomware. Hackers were able to proliferate ransomware through automated, fake, and malicious software updates. A non-profit security research group warned Kaseya of the weakness before the incident. The threat actors responsible, the Russia-based REvil group, demanded a $70 million ransom to release a universal decryptor. Fortunately, Kaseya did not have to pay the ransom and received help from a third party to restore the environments of the impacted organizations. MSPs are a perfect vehicle for ransomware as they have extensive access to their clients' networks. Kaseya's software is used by many MSPs, which makes it easy for attackers to distribute the malicious payload. Seeing the potential impact of MSP (managed service provider) attacks, many hackers are getting busy finding their next targets. According to recent news, hackers are off in a race to look for similar weaknesses. Why MSPs Are a Target of Cyber Attacks? MSPs provide support for an array of IT-related services, from the remote management of end-user systems to back up their data. They are a valuable target for malicious actors as they have direct access to their customers' networks and data. The business of MSPs has rapidly expanded during the Covid-19 pandemic due to the rise of remote work. Figures show that spending for managed services is expected to grow from $173 billion to $296 billion by 2023, translating to an estimated compound annual growth rate of 11%. This rate is higher than the rest of the IT market segments. The growth pace was strong among MSPs as more small and medium businesses entrust their IT to them. An accelerated shift to cloud services is cited as a common reason for the increased need for MSPs. The massive growth in the industry also presents some challenges to MSPs. Cybersecurity is a primary concern among 34% of MSPs. As MSPs gain more clients, they are also opened up to higher security risks from vendors, customers, and partners. Supply chain and third-party vendor attacks are becoming all too common among MSPs, as the market is deemed lucrative for cybercriminals. For instance, ransomware as a service (RaaS) operations like REvil, which have been advertised in dark web forums for some time, have earned $100 million in 2020. The highest ransom paid this year by a company for their data was $40 million. 4 Security Standards MSPs Have to Prevent Breaches The Kaseya ransomware attack is indeed a wake-up call for the MSP market to proactively protect their IT infrastructure. "We are constantly evaluating what more we can do to become more secure and safeguard our clients," said ITS Operations Director Peter Swarowski. Outlined below are the specific measures that managed service providers typically have in place to defend their network against similar cyber attacks: 1. Patch Management Policy Like any other good MSP, ITS has a patching policy where it applies security updates to systems such as its remote management and monitoring (RMM) system on an ongoing basis. This helps protect us from known exploits from previous versions. Swarowski said they also check daily for any published news from the vendor about new patches and security fixes. "If a fix comes in for anything urgent, we will patch the system immediately," he said. 2. Cybersecurity Solutions Like any other proactive MSP, Swarowski notes that ITS is always thinking about ways to help mitigate zero-day risks. He says they are investigating various products, including one that acts as a reverse proxy for the incoming agent traffic for our RMM. Another product is a web application firewall that would sit in front of the RMM application. In addition, ITS deploys several security software within its infrastructure, most notably anti-breach and anti-foothold detection software. The company also uses endpoint detection and response (EDR) software. The company is working to move to a zero-trust infrastructure in its methodology. It is one where all access to systems is verified, and no endpoints are considered secure. "We have this on all our internal machines where they must pass a health check before being allowed access to the virtual private network (VPN) or any corporate resources," Swarowski said. 3. Security Awareness Training Like most MSPs, ITS conducts regular security awareness training internally. The company does internal phishing campaigns to ensure our staff is properly educated in identifying phishing emails and other cybersecurity best practices. 4. Security Information and Event Management (SIEM) Products Finally, the company deploys a SIEM tool that sends device login information to Microsoft. Microsoft's solution looks for abnormal user behavior, such as when users access the network from a new IP or timeframe. Bolster Your Defenses Against Cyber Attacks Suffering a sophisticated cyber incident of the same magnitude as the Kaseya or WannaCry ransomware attack will be devastating for any business. Operations can shut down for weeks, and the financial implications of that may be challenging to bounce back from. Some companies may never even recover from an attack and close up shop. At ITS, we have cybersecurity protocols and systems in place that ensure our IT infrastructure is protected from any compromise. We take the appropriate steps to protect our company's data security and privacy and our clients'. If you want to learn more about how we keep our network secure, including our clients, read this piece on how we identify potential security risks.

We believe the market remains overly optimistic about the return to 2% inflation by 2024. Previous inflationary regimes suggest this may not be realistic. Market Remains Overly Optimistic on Inflation A major asset class has returned 15% year–to–date, 13% over the past year, 60% over the past two years and 47% over the past three years. Typically, we would call that a bull market. However, because this major asset class happens to be commodities—the most under–owned and hated asset class of them all—it is an easy bull market to dismiss. But why? Because many gave up on the strategic importance of commodities in their asset allocation in the face of the seemingly never–ending Federal Reserve (Fed) fueled bull markets in both stocks and bonds. Most investors totally missed the inflation call, and many continue to double down on that upside–down bet of transitory inflation. Most ‘knew’ that we weren’t going to get inflation. Just as they now ‘know’ inflation will soon permanently subside. When will inflation fall back to the Fed’s 2% target? The consensus view in the market is that inflation will disappear by 2024. We think that view is overly optimistic—at best. Thanos Vamvakidis, a strategist for Bank of America (BofA) Securities in the U.K., recently released a piece that’s making its way around Wall Street trading desks. It shows high inflation regimes typically take about a decade to resolve. His analysis concludes that, on average, inflation takes about 10 years to return to 2% once it exceeds 5%.1 Return to Normal? It May Take Longer Than You Think At VanEck, our group is called Quantitative Investment Solutions—QIS for short. So, there’s no way that we could take a chart like this at face value without verifying the numbers. Surprisingly, we found that Mr. Vamvakidis’ results, just like the markets, paint too rosy of a picture of the future prospects for inflation. Our main criticism is the start date. Mr. Vamvakidis started his analysis in 1980. This was already halfway through the last major global inflationary event. We corrected this by using data that went as far back as we could get—in this case, 1960. We also limited our analysis to G10 countries to avoid being accused of cherry–picking. What did we find? Once inflation breached 5%, it took, on average, 18 years to fall to 2% or lower! Number of Years for Year–Over–Year Inflation to Return to 2% (Following a Breach of 5%) Source: Bloomberg, BofA Securities. Data as of September 2022. Inflation: It Comes in Waves The prior two major inflation regimes in the U.S. occurred in the 1940s and the 1970s. Both these events demonstrated that inflation is, typically, neither a linear nor an isolated event. Inflation is expected to come in waves with several different peaks and troughs. The inflation event of the 1940s lasted for a decade and had three major pricing surges. The great inflation of the 1970s saw a similar pattern. There were several inflationary surges and over a decade of price instability. U.S. Consumer Price Index (CPI), Year–over–Year (%) Source: Bloomberg. In our view, the best interpretation of these results is that once the inflation genie is let out of the bottle, it is tough to put back in. Will it be five, ten, or more years? Only time will tell. Let’s Get Real, Folks Investors should brace themselves for an extended period of rising and falling inflation, with a mean level significantly above the Fed’s 2% target. Real assets are a time–tested inflation hedge, so if you haven’t already, you may want to consider them. The charts below demonstrate the asset allocation benefits of commodities during previous inflationary regimes. Rolling 3–Month Real Returns When S&P 500 Declines Source: Bloomberg. All eyes remain on the Fed. Surging interest rates on overleveraged economies globally have predictable results. We are likely heading into a severe and extended global recession. And the Fed is, finally, saying and doing the right things to combat inflation. Sadly, we believe we are too far down the inflationary path for a graceful ending. The economic shock will likely result in a systemic market event that requires liquidity to resolve. The recent market turmoil suggests to us that we are rapidly moving towards just such an event. Once again, the Fed will be forced to try to save the day. This time, at the expense of inflation, running significantly above its 2% target for an extended period. In our view, the VanEck Inflation Allocation ETF (RAAX), a diversified inflation–fighting solution, presents a compelling investment. Originally published by VanEck on October 6, 2022. For more news, information, and strategy, visit the Beyond Basic Beta Channel. Important Disclosures 1 Source: https://business.bofa.com/en-us/content/market-strategies-insights/weekly-market-recap-report.html This is not an offer to buy or sell, or a solicitation of any offer to buy or sell any of the securities mentioned herein. The information presented does not involve the rendering of personalized investment, financial, legal, or tax advice. Certain statements contained herein may constitute projections, forecasts and other forward looking statements, which do not reflect actual results. Information provided by third–party sources are believed to be reliable and have not been independently verified for accuracy or completeness and cannot be guaranteed. Any opinions, projections, forecasts, and forward–looking statements presented herein are valid as of the date of this communication and are subject to change without notice. The information herein represents the opinion of the author(s), but not necessarily those of VanEck. Consumer Price Index is an index of the variation in prices paid by typical consumers for retail goods and other items. Bloomberg Commodity Index is a broadly diversified index that tracks the commodity markets through commodity futures contracts and is made up of exchange–traded futures on physical commodities, which are weighted to account for economic significance and market liquidity. S&P 500 Index is widely regarded as the best single gauge of large–cap U.S. equities. The index is a float–adjusted, market–cap–weighted index of 500 leading U.S. companies from across all market sectors including information technology, telecommunications services, utilities, energy, materials, industrials, real estate, financials, health care, consumer discretionary, and consumer staples. Benchmark index returns are not Fund returns and do not reflect any management fees or brokerage expenses. Certain indices may take into account withholding taxes. Investors cannot invest directly in the Index. Returns for actual Fund investors may differ from what is shown because of differences in timing, the amount invested and fees and expenses. Index returns assume that dividends have been reinvested. The S&P 500 Index is a product of S&P Dow Jones Indices LLC and/or its affiliates and has been licensed for use by Van Eck Associates Corporation. Copyright © 2021 S&P Dow Jones Indices LLC, a division of S&P Global, Inc., and/or its affiliates. All rights reserved. Redistribution or reproduction in whole or in part are prohibited without written permission of S&P Dow Jones Indices LLC. For more information on any of S&P Dow Jones Indices LLC’s indices please visit www.spglobal.com/spdji/en/. S&P® is a registered trademark of S&P Global and Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC. Neither S&P Dow Jones Indices LLC, Dow Jones Trademark Holdings LLC, their affiliates nor their third party licensors make any representation or warranty, express or implied, as to the ability of any index to accurately represent the asset class or market sector that it purports to represent and neither S&P Dow Jones Indices LLC, Dow Jones Trademark Holdings LLC, their affiliates nor their third party licensors shall have any liability for any errors, omissions, or interruptions of any index or the data included therein. An investment in the VanEck Inflation Allocation ETF (the “Fund”) may be subject to risks which include, among others, in fund of funds risk which may subject the Fund to investing in commodities, gold, natural resources companies, MLPs, real estate sector, infrastructure, equities securities, small–and medium–capitalization companies, foreign securities, emerging market issuers, foreign currency, credit, interest rate, call and concentration risks, derivatives, cryptocurrency, cryptocurrency tax, all of which may adversely affect the Fund. The Fund may also be subject to affiliated fund, U.S. Treasury Bills, subsidiary investment, commodity regulatory (with respect to investments in the Subsidiary), tax (with respect to investments in the Subsidiary), risks of ETPs, liquidity, gap, cash transactions, high portfolio turnover, model and data, management, operational, authorized participant concentration, no guarantee of active trading market, trading issues, market, fund shares trading, premium/discount and liquidity of fund shares, and non–diversified risks. Foreign investments are subject to risks, which include changes in economic and political conditions, foreign currency fluctuations, changes in foreign regulations, and changes in currency exchange rates which may negatively impact the Fund’s returns. Small–and medium–capitalization companies may be subject to elevated risks. Investing involves substantial risk and high volatility, including possible loss of principal. An investor should consider the investment objective, risks, charges and expenses of the Fund carefully before investing. To obtain a prospectus and summary prospectus, which contains this and other information, call 800.826.2333 or visit vaneck.com. Please read the prospectus and summary prospectus carefully before investing. ©️ Van Eck Securities Corporation, Distributor, a wholly owned subsidiary of Van Eck Associates Corporation.

►Born in California and raised in Oregon, Sharon worked for 20 years in Washington DC; lived abroad from 1990 – 2010, and has been working in developing areas of the world for over 30 years, primarily in Southeast Asia. She is fluent in Bahasa Indonesian. ►Sharon’s academic credentials include a PhD from the University of South Australia’s International Graduate Program in Management; an MBPA from Southeastern University in Washington D.C. in Business and Public Administration; and master and bachelor degrees (MM, BM) from the Juilliard School in New York City in Viola Performance. Her first undergraduate degree, a bachelor in science, was from Portland State University in Oregon where she double-majored in Psychology and Music. Dr. Eng has been associated with the University of Canberra (Australia) Faculty of Business, Government and Law since 2010 where she serves as Adjunct Associate Professor . ►Her academic pursuits include research and writings on NGO organizational effectiveness; NGO/NPO misconduct, rules-breaking and dysfunction; and the social-political-structural tensions arising from global donor relations with local indigenous nongovernmental organizations. She also continues to explore the roots of radicalism within organizations and radical social behaviours of activist groups and associations: their organizational structures and belief systems as reflected in management protocols; and their effectiveness within communities. ►Writings (see listing in a separate link below) include these recent titles: “Rogue NGOs and NPOs: Content, context, consequences”; “Fourth sector responses to development aid: Reinventing capitalism in the third world?”; and “Unintentional and intentional deviant domestic and international philanthropy”. ►Specialized training include certifications in project management; project monitoring and evaluation; bamboo cultivation and utilization; good manufacturing practices (GMP); USAID professional managers training; and two years in-situ field research in Central Java, Indonesia on the organizational effectiveness of Indonesian grassroots NGOs.

Summer is underway and what an amazing summer we are having with so many days of sunshine! There is nothing better than sipping a cold glass of something in the sunshine, whilst getting crafty in the comfort of your own home, or at one of our crafty parties at your chosen venue! This is why we think a summer craft party is the best! We enjoy hosting our craft parties in the great outdoors! Most recently we hosted a Nipple Tassel Making party (for a hen party) at the beautiful Forest Yurts surrounded by nature, and the vast sky above us! The perfect setting for a summer craft hen party! At our adults craft parties we encourage our happy crafters to enjoy drinks and nibbles throughout their crafty experience, especially on a sunny day. This has given us the inspiration to find some must haves to accompany your summer bubbles; Fab straws Edible Glitter Personalised Bottles ​If you fancy enjoying crafts and giggles with your bubbles this summer get in touch and let us help to plan the best summer craft party out there!

I currently manage around half a million dollars and have been trading for 6+ years with 3 years of consistent profitability. Paid for my trading lessons the hard way by losing a lot of money at first. Here's some advice that might help you. 1) Treat trading like a business. I know you probably heard this 100 times before but I feel like I should emphasize this point. Majority of traders overestimate their ability to make money and underestimate their risk exposure. 2) Think long term. The more complex your trading system is, the less freedom it has in terms of flexibility because of too many variables in your analysis. So, keep your trading system simple. 3) Do not rationalize or predict the market. Do not look for comfort in your strategy. In fact, do the reverse. Find comfort in the thought that markets are chaotic and there's always a good chance of you losing a lot of money. This should keep you up on your toes and controls your greed during a profitable streak (You are not a money printing machine, trust me. ) 4) Every trade you open should be assumed as a loss. This is very important in terms of having a healthy mindset towards managing risk. I never open a position based on how much money I can make. I do it based on how much I can afford to lose in this particular trade. 5) Biggest mistake I have observed while working with other traders is not doing their homework. If you don't plan your trades before the day even began, then you will develop a mindset of chasing the market which will lead to your downfall. Which brings me to my next point 6) Maintain three things - a) your daily trading notes that you read before you begin trading b) market observation notes which includes particular strategies and observations in specific markets and c) a full fledged trading journal where you record everything you traded. Always remember that majority of your trading work is done when you're not trading. 7) Journaling is the most important and also most neglected part of trading and most traders, including some very good traders do it in a wrong way. How do I know that? Let me ask you something : Tell me about what kind of trading setups were the most and least profitable in the last 100 trades. Explain them to me in detail including your analysis and opinion on what you think might have happened. If you can answer this in detail and with specific examples from your last 100 trades then I know you have a good journaling habit. If you cannot , then it's time to improve on your record keeping. Remember that your journals are the only way you can guarantee that you will grow as a trader. 8) Remember this no matter what - Not having a position in the market is itself a position if you know what you are doing. There's no need for you to always trade all day everyday and try to make money. In fact, I can guarantee you that markets will not always behave according to your trading system and during those times trying to "find a needle in a haystack " type of behavior is reckless and will take an emotional toll on your mind. Just sit on the sidelines if the market isn't moving according to your system. 9) There's no thing as overbought or oversold scenarios especially in forex. Heaving a bearish bias because the market moved up by a lot is just ridiculous and most likely guarantee that you miss out on bullish scenarios. If you start developing a bearish bias after a huge bullish move then you better have a damn good reason for it instead of just saying " It moved up by a lot so I'm expecting a reversal". 10) This one is a personal opinion. Always remember to take breaks and relax during the weekends. Managing stress while maintaining performance is a huge part of the job and I don't want you to burn out after a few months of serious trading everyday. Maintain a decent social life outside of trading to keep your sanity intact. Get some hobbies. Your health and well being is very important to your long term performance as a trader so don't neglect it. submitted by mechz21 to Forex [link] [comments] FOREX COMPLICATIONS I've been trading since march of this year. I am still searching for consistent profitability, but that all comes down to my mentality. Nothing to do with my skill. Anyways, after finding myself here, 7 months since i started. I notice how many beginners over complicate forex. Writing down tons of notes , looking for the small and precise information and mostly overthinking. I fell victim to this too. But I've come to learn that a lot of that is irrelevant. Honestly, what people don't talk about is chart hours and focusing on 1 pair. Wicksdontlie has a livestream I recommend everyone watch, I was in a separate discord group and learned all the basics, but from just watching his streams and watching the charts constantly (whilst making food , playing playstation etc) I got a proper understanding for what forex is and what I have to do to make it. But the fact people don't talk enough about focusing on 1 pair makes me wonder? If you sit in front of your laptop for hours watching 1 pair move you will get an unbelievable understanding for how the market moves and how YOUR pair moves. You notice the same things over and over again. I never studied imbalances, waiting for price to develop on higher time frames, lower lows and higher highs, patience, discipline, the different trading sessions (NY,LDN etc). All of that came to me naturally, from hours and hours on the charts, from backtesting and listening to Raja Banks and Uncle Ted's stream. Don't fall out of love with forex because of confusion etc. It's all due to your mind overcomplicating things. Think of hours on the charts like hours playing football. You get up and kick the ball from a young age, not thinking of the complications on how to hit an outside the boot pass or knuckle ball etc. The more hours you spend doing it the better you will become and the better of an understanding you'll form. Not only on the charts, but an understanding for YOU. What YOU need to do mentally to achieve success. 10% skill and 90% psychology is most certainly true. Enjoy your journey and prepare for a long ride full of losses and mental battles. That's what your signing up for. GL. submitted by Summervbz to Forex [link] [comments] Consistently Profitable Trader in Less Than a Year I just recently got into this subreddit to browse and pretty sure this post will get roasted but here goes. I started learning forex using babypips around November 2019. Didn’t really take it seriously until I bought a few courses when COVID hit in March and really grinded and studied every day. On this subreddit, I see a lot of advice to not pay for a course because “you can learn it for free” or you can “YouTube” it. And while that may be true, there’s SO much information online, and a lot of it isn’t good. As a newbie or even long time trader, you can get overwhelmed with BS and the endless amount of indicators and strategies. To each their own, but I believe you’re gonna pay the markets your tuition for learning somehow: either through a mentocourse or just losing all your $$$ to the markets. I did babypips, and while that info was useful, I would say it’s definitely NOT enough to become profitable. In these past 6 months, I’ve lost and earned a lot. I can proudly say I consistently made 10k+ each month from July-Sept and it’s only going up from here. (I didn’t start with a 10k account either.) Im definitely in the green overall, passed and verified on an FTMO account, and been making around 3k+ each day these past few days (thank you volatility!). Psychology is the hardest to overcome, but it’s doable. To all the newbies and traders struggling out there, it’s possible to become consistently profitable, don’t let anyone else tell you otherwise. and F the people who don’t believe in you. But to be fair, you have to have a passion for trading and put in the work. You can’t go into this just for the money. I love analyzing the charts and trading now. It’s changed my life. If anyone has any questions, feel free to hit me up. submitted by helpmechoooooseplz to Forex [link] [comments] Former investment bank FX trader: some thoughts Hi guys, I have been using reddit for years in my personal life (not trading!) and wanted to give something back in an area where i am an expert. I worked at an investment bank for seven years and joined them as a graduate FX trader so have lots of professional experience, by which i mean I was trained and paid by a big institution to trade on their behalf. This is very different to being a full-time home trader, although that is not to discredit those guys, who can accumulate a good amount of experience/wisdom through self learning. When I get time I'm going to write a mid-length posts on each topic for you guys along the lines of how i was trained. I guess there would be 15-20 topics in total so about 50-60 posts. Feel free to comment or ask questions. The first topic is Risk Management and we'll cover it in three parts Part I Why it matters Position sizing Kelly Using stops sensibly Picking a clear level Why it matters The first rule of making money through trading is to ensure you do not lose money. Look at any serious hedge fund’s website and they’ll talk about their first priority being “preservation of investor capital.” You have to keep it before you grow it. Strangely, if you look at retail trading websites, for every one article on risk management there are probably fifty on trade selection. This is completely the wrong way around. The great news is that this stuff is pretty simple and process-driven. Anyone can learn and follow best practices. Seriously, avoiding mistakes is one of the most important things: there's not some holy grail system for finding winning trades, rather a routine and fairly boring set of processes that ensure that you are profitable, despite having plenty of losing trades alongside the winners. Capital and position sizing The first thing you have to know is how much capital you are working with. Let’s say you have $100,000 deposited. This is your maximum trading capital. Your trading capital is not the leveraged amount. It is the amount of money you have deposited and can withdraw or lose. Position sizing is what ensures that a losing streak does not take you out of the market. A rule of thumb is that one should risk no more than 2% of one’s account balance on an individual trade and no more than 8% of one’s account balance on a specific theme. We’ll look at why that’s a rule of thumb later. For now let’s just accept those numbers and look at examples. So we have $100,000 in our account. And we wish to buy EURUSD. We should therefore not be risking more than 2% which $2,000. We look at a technical chart and decide to leave a stop below the monthly low, which is 55 pips below market. We’ll come back to this in a bit. So what should our position size be? We go to the calculator page, select Position Size and enter our details. There are many such calculators online - just google "Pip calculator". ​ https://preview.redd.it/y38zb666e5h51.jpg?width=1200&format=pjpg&auto=webp&s=26e4fe569dc5c1f43ce4c746230c49b138691d14 So the appropriate size is a buy position of 363,636 EURUSD. If it reaches our stop level we know we’ll lose precisely $2,000 or 2% of our capital. You should be using this calculator (or something similar) on every single trade so that you know your risk. Now imagine that we have similar bets on EURJPY and EURGBP, which have also broken above moving averages. Clearly this EUR-momentum is a theme. If it works all three bets are likely to pay off. But if it goes wrong we are likely to lose on all three at once. We are going to look at this concept of correlation in more detail later. The total amount of risk in our portfolio - if all of the trades on this EUR-momentum theme were to hit their stops - should not exceed $8,000 or 8% of total capital. This allows us to go big on themes we like without going bust when the theme does not work. As we’ll see later, many traders only win on 40-60% of trades. So you have to accept losing trades will be common and ensure you size trades so they cannot ruin you. Similarly, like poker players, we should risk more on trades we feel confident about and less on trades that seem less compelling. However, this should always be subject to overall position sizing constraints. For example before you put on each trade you might rate the strength of your conviction in the trade and allocate a position size accordingly: ​ https://preview.redd.it/q2ea6rgae5h51.png?width=1200&format=png&auto=webp&s=4332cb8d0bbbc3d8db972c1f28e8189105393e5b To keep yourself disciplined you should try to ensure that no more than one in twenty trades are graded exceptional and allocated 5% of account balance risk. It really should be a rare moment when all the stars align for you. Notice that the nice thing about dealing in percentages is that it scales. Say you start out with $100,000 but end the year up 50% at $150,000. Now a 1% bet will risk $1,500 rather than $1,000. That makes sense as your capital has grown. It is extremely common for retail accounts to blow-up by making only 4-5 losing trades because they are leveraged at 50:1 and have taken on far too large a position, relative to their account balance. Consider that GBPUSD tends to move 1% each day. If you have an account balance of $10k then it would be crazy to take a position of $500k (50:1 leveraged). A 1% move on $500k is $5k. Two perfectly regular down days in a row — or a single day’s move of 2% — and you will receive a margin call from the broker, have the account closed out, and have lost all your money. Do not let this happen to you. Use position sizing discipline to protect yourself. ​ Kelly Criterion If you’re wondering - why “about 2%” per trade? - that’s a fair question. Why not 0.5% or 10% or any other number? The Kelly Criterion is a formula that was adapted for use in casinos. If you know the odds of winning and the expected pay-off, it tells you how much you should bet in each round. This is harder than it sounds. Let’s say you could bet on a weighted coin flip, where it lands on heads 60% of the time and tails 40% of the time. The payout is $2 per $1 bet. Well, absolutely you should bet. The odds are in your favour. But if you have, say, $100 it is less obvious how much you should bet to avoid ruin. Say you bet $50, the odds that it could land on tails twice in a row are 16%. You could easily be out after the first two flips. Equally, betting $1 is not going to maximise your advantage. The odds are 60/40 in your favour so only betting $1 is likely too conservative. The Kelly Criterion is a formula that produces the long-run optimal bet size, given the odds. Applying the formula to forex trading looks like this: Position size % = Winning trade % - ( (1- Winning trade %) / Risk-reward ratio If you have recorded hundreds of trades in your journal - see next chapter - you can calculate what this outputs for you specifically. If you don't have hundreds of trades then let’s assume some realistic defaults of Winning trade % being 30% and Risk-reward ratio being 3. The 3 implies your TP is 3x the distance of your stop from entry e.g. 300 pips take profit and 100 pips stop loss. So that’s 0.3 - (1 - 0.3) / 3 = 6.6%. Hold on a second. 6.6% of your account probably feels like a LOT to risk per trade.This is the main observation people have on Kelly: whilst it may optimise the long-run results it doesn’t take into account the pain of drawdowns. It is better thought of as the rational maximum limit. You needn’t go right up to the limit! With a 30% winning trade ratio, the odds of you losing on four trades in a row is nearly one in four. That would result in a drawdown of nearly a quarter of your starting account balance. Could you really stomach that and put on the fifth trade, cool as ice? Most of us could not. Accordingly people tend to reduce the bet size. For example, let’s say you know you would feel emotionally affected by losing 25% of your account. Well, the simplest way is to divide the Kelly output by four. You have effectively hidden 75% of your account balance from Kelly and it is now optimised to avoid a total wipeout of just the 25% it can see. This gives 6.6% / 4 = 1.65%. Of course different trading approaches and different risk appetites will provide different optimal bet sizes but as a rule of thumb something between 1-2% is appropriate for the style and risk appetite of most retail traders. Incidentally be very wary of systems or traders who claim high winning trade % like 80%. Invariably these don’t pass a basic sense-check: How many live trades have you done? Often they’ll have done only a handful of real trades and the rest are simulated backtests, which are overfitted. The model will soon die. What is your risk-reward ratio on each trade? If you have a take profit $3 away and a stop loss $100 away, of course most trades will be winners. You will not be making money, however! In general most traders should trade smaller position sizes and less frequently than they do. If you are going to bias one way or the other, far better to start off too small. How to use stop losses sensibly Stop losses have a bad reputation amongst the retail community but are absolutely essential to risk management. No serious discretionary trader can operate without them. A stop loss is a resting order, left with the broker, to automatically close your position if it reaches a certain price. For a recap on the various order types visit this chapter. The valid concern with stop losses is that disreputable brokers look for a concentration of stops and then, when the market is close, whipsaw the price through the stop levels so that the clients ‘stop out’ and sell to the broker at a low rate before the market naturally comes back higher. This is referred to as ‘stop hunting’. This would be extremely immoral behaviour and the way to guard against it is to use a highly reputable top-tier broker in a well regulated region such as the UK. Why are stop losses so important? Well, there is no other way to manage risk with certainty. You should always have a pre-determined stop loss before you put on a trade. Not having one is a recipe for disaster: you will find yourself emotionally attached to the trade as it goes against you and it will be extremely hard to cut the loss. This is a well known behavioural bias that we’ll explore in a later chapter. Learning to take a loss and move on rationally is a key lesson for new traders. A common mistake is to think of the market as a personal nemesis. The market, of course, is totally impersonal; it doesn’t care whether you make money or not. Bruce Kovner, founder of the hedge fund Caxton Associates There is an old saying amongst bank traders which is “losers average losers”. It is tempting, having bought EURUSD and seeing it go lower, to buy more. Your average price will improve if you keep buying as it goes lower. If it was cheap before it must be a bargain now, right? Wrong. Where does that end? Always have a pre-determined cut-off point which limits your risk. A level where you know the reason for the trade was proved ‘wrong’ ... and stick to it strictly. If you trade using discretion, use stops. Picking a clear level Where you leave your stop loss is key. Typically traders will leave them at big technical levels such as recent highs or lows. For example if EURUSD is trading at 1.1250 and the recent month’s low is 1.1205 then leaving it just below at 1.1200 seems sensible. ​ If you were going long, just below the double bottom support zone seems like a sensible area to leave a stop You want to give it a bit of breathing room as we know support zones often get challenged before the price rallies. This is because lots of traders identify the same zones. You won’t be the only one selling around 1.1200. The “weak hands” who leave their sell stop order at exactly the level are likely to get taken out as the market tests the support. Those who leave it ten or fifteen pips below the level have more breathing room and will survive a quick test of the level before a resumed run-up. Your timeframe and trading style clearly play a part. Here’s a candlestick chart (one candle is one day) for GBPUSD. ​ https://preview.redd.it/moyngdy4f5h51.png?width=1200&format=png&auto=webp&s=91af88da00dd3a09e202880d8029b0ddf04fb802 If you are putting on a trend-following trade you expect to hold for weeks then you need to have a stop loss that can withstand the daily noise. Look at the downtrend on the chart. There were plenty of days in which the price rallied 60 pips or more during the wider downtrend. So having a really tight stop of, say, 25 pips that gets chopped up in noisy short-term moves is not going to work for this kind of trade. You need to use a wider stop and take a smaller position size, determined by the stop level. There are several tools you can use to help you estimate what is a safe distance and we’ll look at those in the next section. There are of course exceptions. For example, if you are doing range-break style trading you might have a really tight stop, set just below the previous range high. ​ https://preview.redd.it/ygy0tko7f5h51.png?width=1200&format=png&auto=webp&s=34af49da61c911befdc0db26af66f6c313556c81 Clearly then where you set stops will depend on your trading style as well as your holding horizons and the volatility of each instrument. Here are some guidelines that can help: Use technical analysis to pick important levels (support, resistance, previous high/lows, moving averages etc.) as these provide clear exit and entry points on a trade. Ensure that the stop gives your trade enough room to breathe and reflects your timeframe and typical volatility of each pair. See next section. Always pick your stop level first. Then use a calculator to determine the appropriate lot size for the position, based on the % of your account balance you wish to risk on the trade. So far we have talked about price-based stops. There is another sort which is more of a fundamental stop, used alongside - not instead of - price stops. If either breaks you’re out. For example if you stop understanding why a product is going up or down and your fundamental thesis has been confirmed wrong, get out. For example, if you are long because you think the central bank is turning hawkish and AUDUSD is going to play catch up with rates … then you hear dovish noises from the central bank and the bond yields retrace lower and back in line with the currency - close your AUDUSD position. You already know your thesis was wrong. No need to give away more money to the market. Coming up in part II EDIT: part II here Letting stops breathe When to change a stop Entering and exiting winning positions Risk:reward ratios Risk-adjusted returns Coming up in part III Squeezes and other risks Market positioning Bet correlation Crap trades, timeouts and monthly limits ​ *** Disclaimer:This content is not investment advice and you should not place any reliance on it. The views expressed are the author's own and should not be attributed to any other person, including their employer. submitted by getmrmarket to Forex [link] [comments] [Strategies] Here is My Trading Approach, Thought Process and Execution Hello everyone. I've noticed a lot of us here are quite secretive about how we trade, especially when we comment on a fellow trader's post. We're quick to tell them what they're doing isn't the "right way" and they should go to babypips or YouTube. There's plenty of strategies we say but never really tell them what is working for us. There's a few others that are open to share their experience and thought processes when considering a valid trade. I have been quite open myself. But I'm always met with the same "well I see what you did is quite solid but what lead you to deem this trade valid for you? " The answer is quite simple, I have a few things that I consider which are easy rules to follow. I realized that the simpler you make it, the easier it is for you to trade and move on with your day. I highlight a few "valid" zones and go about my day. I've got an app that alerts me when price enters the zone on my watchlist. This is because I don't just rely on forex trading money, I doubt it would be wise to unless you're trading a 80% win rate strategy. Sometimes opportunities are there and we exploit them accordingly but sometimes we are either distracted by life issues and decide to not go into the markets stressed out or opportunities just aren't there or they are but your golden rules aren't quite met. My rules are pretty simple, one of the prime golden rules is, "the risk is supposed to be very minimal to the reward I want to yield from that specific trade". i.e I can risk -50 pips for a +150 and more pips gain. My usual target starts at 1:2 but my most satisfying trade would be a 1:3 and above. This way I can lose 6/10 trades and still be profitable. I make sure to keep my charts clean and simple so to understand what price does without the interference of indicators all over my charts. Not to say if you use indicators for confluence is a complete no-no. Each trader has their own style and I would be a narcissistic asshole if I assumed my way is superior than anybody else's. NB: I'm doing this for anybody who has a vague or no idea of supply and demand. Everything here has made me profitable or at least break even but doesn't guarantee the same for you. This is just a scratch on the surface so do all you can for due diligence when it comes to understanding this topic with more depth and clear comprehension. Supply and Demand valid zones properties; what to me makes me think "oh this zone has the potential to make me money, let me put it on my watchlist"? Mind when I say watchlist, not trade it. These are different in this sense. 👉With any zone, you're supposed to watch how price enters the zone, if there's a strong push in the opposite direction or whatever price action you're observing...only then does the zone becomes valid. YOU TRADE THE REACTION, NOT THE EXPECTATION Some setups just fail and that's okay because you didn't gamble. ✍ !!!IMPORTANT SUBJECT TO LEARN BEFORE YOU START SUPPLY AND DEMAND!!! FTR. Failure to Return.(Please read on these if you haven't. They are extremely important in SnD). Mostly occur after an impulse move from a turning point. See attached examples: RBR(rally base rally)/DBD(drop base drop). They comprise of an initial move to a certain direction, a single candle in the opposite direction and followed by 2 or more strong candles in the initial direction. The opposite candle is your FTR(This is your zone) The first time price comes back(FTB) to a zone with an FTR has high possibilities to be a strong zone. How to identify high quality zones according to my approach: Engulfing zones; This is a personal favorite. For less errors I identify the best opportunities using the daily and 4H chart. On the example given, I chose the GBPNZD trade idea I shared here a month ago I believe. A double bottom is easily identified, with the final push well defined Bullish Engulfing candle. To further solidify it are the strong wicks to show strong rejection and failure to close lower than the left shoulder. How we draw our zone is highlight the whole candle just before the Engulfing Candle. That's your zone. After drawing it, you also pay attention to the price that is right where the engulfing starts. You then set a price alert on your preferred app because usually price won't get there immediately. This is the second most important part of trading, PATIENCE. If you can be disciplined enough to not leave a limit order, or place a market order just because you trust your analysis...you've won half the battle because we're not market predictors, we're students. And we trade the reaction. On the given example, price had already reached the zone of interest. Price action observed was, there was a rejection that drove it out of the zone, this is the reaction we want. Soon as price returns(retests)...this is your time to fill or kill moment, going to a 4H or 1H to make minimum risk trades. (See GBPNZD Example 1&2) Liquidity Run; This approach looks very similar to the Engulfing zones. The difference is, price makes a few rejections on a higher timeframe level(Resistance or support). This gives the novice trader an idea that we've established a strong support or resistance, leading to them either selling or buying given the opportunity. Price then breaks that level trapping the support and resistance trader. At this point, breakout traders have stop orders below or above these levels to anticipate a breakout at major levels with stops just below the levels. Now that the market has enough traders trapped, it goes for the stop losses above or below support and resistance levels after taking them out, price comes back into the level to take out breakout traders' stop losses. This is where it has gathered enough liquidity to move it's desired direction. The given example on the NZDJPY shows a strong level established twice. With the Bearish Engulfing movement, price leaves a supply zone...that's where we come in. We go to smaller timeframes for a well defined entry with our stops above the recent High targeting the next demand zone. The second screenshot illustrates how high the reward of this approach is as well. Due diligence is required for this kind of approach because it's not uncommon but usually easily misinterpreted, which is why it's important it's on higher timeframes. You can back test and establish your own rules on this but the RSI in this case was used for confluence. It showed a strong divergence which made it an even easier trade to take. ...and last but definitely not least, Double Bottom/Top. (I've used double bottoms on examples because these are the only trades I shared here so we'll talk about double bottoms. Same but opposite rules apply on double tops). The first most important rule here is when you look to your left, price should have made a Low, High and a Lower Low. This way, the last leg(shoulder) should be lower than the first. Some call this "Hidden Zones". When drawing the zones, the top border of the zone is supposed to be on the tip of the Low and covering the Lower Low. **The top border is usually the entry point. On the first given example I shared this week, NZDCAD. After identifying the structure, you start to look for zones that could further verify the structure for confluence. Since this was identified on the 4H, when you zoom out to the daily chart...there's a very well defined demand zone (RBR). By now you should know how strong these kind of zones are especially if found on higher timeframes. That will now be your kill zone. You'll draw another zone within the bigger zone, if price doesn't close below it...you've got a trade. You'll put your stop losses outside the initial zone to avoid wicks(liquidity runs/stop hunts) On the second image you'll see how price closed within the zone and rallied upwards towards your targets. The second example is CHFJPY; although looking lower, there isn't a rally base rally that further solidifies our bias...price still respected the zone. Sometimes we just aren't going to get perfect setups but it is up to us to make calculated risks. In this case, risk is very minimal considering the potential profit. The third example (EURNZD) was featured because sometimes you just can't always get perfect price action within your desired zone. Which is why it's important to wait for price to close before actually taking a trade. Even if you entered prematurely and were taken out of the trade, the rules are still respected hence a re entry would still yield you more than what you would have lost although revenge trading is wrong. I hope you guys learnt something new and understand the thought process that leads to deciding which setups to trade from prepared supply and demand trade ideas. It's important to do your own research and back testing that matches your own trading style. I'm more of a swing trader hence I find my zones using the Daily and 4H chart. Keeping it simple and trading the reaction to your watched zone is the most important part about trading any strategy. Important Note: The trade ideas on this post are trades shared on this sub ever since my being active only because I don't want to share ideas that I may have carefully picked to make my trading approach a blind pick from the millions on the internet. All these were shared here. Here's a link to the trade ideas analyzed for this post specifically Questions are welcome on the comments section. Thank you for reading till here. submitted by SupplyAndDemandGuy to Forex [link] [comments] New to Trading? Here's some tips So there seems to be a lot of new people on this sub. And makes sense if you have questions a lot of time you'll turn to reddit for the answers (I know I do). Well here are some tips that I think would benefit new traders. Don't trade ANY Euro pairs. Look I know it's the most traded pair it goes up and down really fast and there's so much potential for you to make money. Turns out there's even more for you to lose money. It's way too volatile specially if you don't know what you're doing. EUUSD is the worst offender. Trade the Daily. Might think you're cool looking at charts every x amount of times during the day. You get to tell your friends and family that you trade all day and they might be impressed at what you're doing but unless you have some years under you stick to the daily. There's less noise. You can see clearer trends and when you don't stare at the screen all day you're less emotional therefore a more effective trader. I only look at the chart 15 minutes a day to either enter close or manage my trades. Whatever happens when I'm gone is what happens. There is no holy grail indicator Look for it all you want. It doesn't exist. There are good indicators. There are bad indicators. There are some indicators that are so broken if you do the opposite of what they're intended for you'll actually make a profit. But the fact remains that there's no perfect one. Stop looking. What you should be looking for is an indicator that fits with your strategy. What currencies to pick. I actually never see this brought up. The notion in forex is that all pairs can be traded equally. To a certain extent that's not false. But until you get the hang of it stick to a strict trading diet. Look for pairs that trend a lot. Duh look for the trend I can hear you say. When I say trend I don't mean a couple of days or weeks. I mean a couple of months. Half a year. Pairs that do that have a higher tendency to stick with one direction for a while. That's where you make your money. An easy way to identify those pairs as well is putting together a volatile currency (USD) with a less volatile one(JPY). USE YOUR SL Trust me even if not putting a SL has netted you all kinds of gains eventually the market will turn around and bite you. With no safety net you'll lose most if not all your profit. The best offense is a good defense. How to pick your TP and SL level. Most new traders care so much about that. I put it near the bottom because in my opinion you should know everything listed first. This is my opinion and I use it for my strategy I use the ATR(average true range) indicator. It's a really helpful tool that helps you identify the range at which the candles will either rise or fall. Obviously you want to set your TP inside of that range and your SL slightly outside of it. Lot sizes. Everyone has a different story about how they pick their lot size. The general consensus is don't risk over 2% of your account. But I'm a simple man and I can't be bothered to figure out what my risk is every single time. So what I do is I put $0.10 for every $100 I have on the account. I then assign $300(minimum) to each pair. That's $0.30 per pair. It's easy to remember. 10 cent for every $100. If you're able to blow $100 with $0.10 then you probably shouldn't trade. How to avoid reversals. Tbh you can't. There's no way to predict the future so eventually you'll get hit by one. What you can do however is minimize the blow. How I do it is for every pair I take two trades. If you remember in the previous tip is said I do about$0.30 per pair well I divide it 2:1. I take one trade with a TP(2) and one without (1). If my TP is hit I pocket that amount and if the trend keeps going in my direction I make even more. If the trend decides to end or reverses my losses are minimal because at least I kept half. There is NO right way to trade. Stop listening to people telling the best way to trade is fundamentals or naked charts of to use some specific indicator. There are no right way to do this. It's as flexible and unlimited as your imagination. I personally use indicators but if that's not your thing do YOU! Just remember to manage your trades properly and be level headed when trading. Hell if your trading strategy is flipping a coin with proper trade management you'd probably make some money (don't quote me on that). Trade money you're willing to lose Don't trade your rent money. That's all I have for now. If anyone sees this and wants to add more feel free. Hope this helps someone. submitted by MannyTrade to Forex [link] [comments] Former investment bank FX trader: Risk management part II Firstly, thanks for the overwhelming comments and feedback. Genuinely really appreciated. I am pleased 500+ of you find it useful. If you didn't read the first post you can do so here: risk management part I. You'll need to do so in order to make sense of the topic. As ever please comment/reply below with questions or feedback and I'll do my best to get back to you. Part II Letting stops breathe When to change a stop Entering and exiting winning positions Risk:reward ratios Risk-adjusted returns Letting stops breathe We talked earlier about giving a position enough room to breathe so it is not stopped out in day-to-day noise. Let’s consider the chart below and imagine you had a trailing stop. It would be super painful to miss out on the wider move just because you left a stop that was too tight. ​ Imagine being long and stopped out on a meaningless retracement ... ouch! One simple technique is simply to look at your chosen chart - let’s say daily bars. And then look at previous trends and use the measuring tool. Those generally look something like this and then you just click and drag to measure. For example if we wanted to bet on a downtrend on the chart above we might look at the biggest retracement on the previous uptrend. That max drawdown was about 100 pips or just under 1%. So you’d want your stop to be able to withstand at least that. If market conditions have changed - for example if CVIX has risen - and daily ranges are now higher you should incorporate that. If you know a big event is coming up you might think about that, too. The human brain is a remarkable tool and the power of the eye-ball method is not to be dismissed. This is how most discretionary traders do it. There are also more analytical approaches. Some look at the Average True Range (ATR). This attempts to capture the volatility of a pair, typically averaged over a number of sessions. It looks at three separate measures and takes the largest reading. Think of this as a moving average of how much a pair moves. For example, below shows the daily move in EURUSD was around 60 pips before spiking to 140 pips in March. Conditions were clearly far more volatile in March. Accordingly, you would need to leave your stop further away in March and take a correspondingly smaller position size. ​ ATR is available on pretty much all charting systems Professional traders tend to use standard deviation as a measure of volatility instead of ATR. There are advantages and disadvantages to both. Averages are useful but can be misleading when regimes switch (see above chart). Once you have chosen a measure of volatility, stop distance can then be back-tested and optimised. For example does 2x ATR work best or 5x ATR for a given style and time horizon? Discretionary traders may still eye-ball the ATR or standard deviation to get a feeling for how it has changed over time and what ‘normal’ feels like for a chosen study period - daily, weekly, monthly etc. ​ Reasons to change a stop As a general rule you should be disciplined and not change your stops. Remember - losers average losers. This is really hard at first and we’re going to look at that in more detail later. There are some good reasons to modify stops but they are rare. One reason is if another risk management process demands you stop trading and close positions. We’ll look at this later. In that case just close out your positions at market and take the loss/gains as they are. Another is event risk. If you have some big upcoming data like Non Farm Payrolls that you know can move the market +/- 150 pips and you have no edge going into the release then many traders will take off or scale down their positions. They’ll go back into the positions when the data is out and the market has quietened down after fifteen minutes or so. This is a matter of some debate - many traders consider it a coin toss and argue you win some and lose some and it all averages out. Trailing stops can also be used to ‘lock in’ profits. We looked at those before. As the trade moves in your favour (say up if you are long) the stop loss ratchets with it. This means you may well end up ‘stopping out’ at a profit - as per the below example. ​ The mighty trailing stop loss order It is perfectly reasonable to have your stop loss move in the direction of PNL. This is not exposing you to more risk than you originally were comfortable with. It is taking less and less risk as the trade moves in your favour. Trend-followers in particular love trailing stops. One final question traders ask is what they should do if they get stopped out but still like the trade. Should they try the same trade again a day later for the same reasons? Nope. Look for a different trade rather than getting emotionally wed to the original idea. Let’s say a particular stock looked cheap based on valuation metrics yesterday, you bought, it went down and you got stopped out. Well, it is going to look even better on those same metrics today. Maybe the market just doesn’t respect value at the moment and is driven by momentum. Wait it out. Otherwise, why even have a stop in the first place? Entering and exiting winning positions Take profits are the opposite of stop losses. They are also resting orders, left with the broker, to automatically close your position if it reaches a certain price. Imagine I’m long EURUSD at 1.1250. If it hits a previous high of 1.1400 (150 pips higher) I will leave a sell order to take profit and close the position. The rookie mistake on take profits is to take profit too early. One should start from the assumption that you will win on no more than half of your trades. Therefore you will need to ensure that you win more on the ones that work than you lose on those that don’t. ​ Sad to say but incredibly common: retail traders often take profits way too early This is going to be the exact opposite of what your emotions want you to do. We are going to look at that in the Psychology of Trading chapter. Remember: let winners run. Just like stops you need to know in advance the level where you will close out at a profit. Then let the trade happen. Don’t override yourself and let emotions force you to take a small profit. A classic mistake to avoid. The trader puts on a trade and it almost stops out before rebounding. As soon as it is slightly in the money they spook and cut out, instead of letting it run to their original take profit. Do not do this. Entering positions with limit orders That covers exiting a position but how about getting into one? Take profits can also be left speculatively to enter a position. Sometimes referred to as “bids” (buy orders) or “offers” (sell orders). Imagine the price is 1.1250 and the recent low is 1.1205. You might wish to leave a bid around 1.2010 to enter a long position, if the market reaches that price. This way you don’t need to sit at the computer and wait. Again, typically traders will use tech analysis to identify attractive levels. Again - other traders will cluster with your orders. Just like the stop loss we need to bake that in. So this time if we know everyone is going to buy around the recent low of 1.1205 we might leave the take profit bit a little bit above there at 1.1210 to ensure it gets done. Sure it costs 5 more pips but how mad would you be if the low was 1.1207 and then it rallied a hundred points and you didn’t have the trade on?! There are two more methods that traders often use for entering a position. Scaling in is one such technique. Let’s imagine that you think we are in a long-term bulltrend for AUDUSD but experiencing a brief retracement. You want to take a total position of 500,000 AUD and don’t have a strong view on the current price action. You might therefore leave a series of five bids of 100,000. As the price moves lower each one gets hit. The nice thing about scaling in is it reduces pressure on you to pick the perfect level. Of course the risk is that not all your orders get hit before the price moves higher and you have to trade at-market. Pyramiding is the second technique. Pyramiding is for take profits what a trailing stop loss is to regular stops. It is especially common for momentum traders. ​ Pyramiding into a position means buying more as it goes in your favour Again let’s imagine we’re bullish AUDUSD and want to take a position of 500,000 AUD. Here we add 100,000 when our first signal is reached. Then we add subsequent clips of 100,000 when the trade moves in our favour. We are waiting for confirmation that the move is correct. Obviously this is quite nice as we humans love trading when it goes in our direction. However, the drawback is obvious: we haven’t had the full amount of risk on from the start of the trend. You can see the attractions and drawbacks of both approaches. It is best to experiment and choose techniques that work for your own personal psychology as these will be the easiest for you to stick with and build a disciplined process around. Risk:reward and win ratios Be extremely skeptical of people who claim to win on 80% of trades. Most traders will win on roughly 50% of trades and lose on 50% of trades. This is why risk management is so important! Once you start keeping a trading journal you’ll be able to see how the win/loss ratio looks for you. Until then, assume you’re typical and that every other trade will lose money. If that is the case then you need to be sure you make more on the wins than you lose on the losses. You can see the effect of this below. ​ A combination of win % and risk:reward ratio determine if you are profitable A typical rule of thumb is that a ratio of 1:3 works well for most traders. That is, if you are prepared to risk 100 pips on your stop you should be setting a take profit at a level that would return you 300 pips. One needn’t be religious about these numbers - 11 pips and 28 pips would be perfectly fine - but they are a guideline. Again - you should still use technical analysis to find meaningful chart levels for both the stop and take profit. Don’t just blindly take your stop distance and do 3x the pips on the other side as your take profit. Use the ratio to set approximate targets and then look for a relevant resistance or support level in that kind of region. Risk-adjusted returns Not all returns are equal. Suppose you are examining the track record of two traders. Now, both have produced a return of 14% over the year. Not bad! The first trader, however, made hundreds of small bets throughout the year and his cumulative PNL looked like the left image below. The second trader made just one bet — he sold CADJPY at the start of the year — and his PNL looked like the right image below with lots of large drawdowns and volatility. Would you rather have the first trading record or the second? If you were investing money and betting on who would do well next year which would you choose? Of course all sensible people would choose the first trader. Yet if you look only at returns one cannot distinguish between the two. Both are up 14% at that point in time. This is where the Sharpe ratio helps . A high Sharpe ratio indicates that a portfolio has better risk-adjusted performance. One cannot sensibly compare returns without considering the risk taken to earn that return. If I can earn 80% of the return of another investor at only 50% of the risk then a rational investor should simply leverage me at 2x and enjoy 160% of the return at the same level of risk. This is very important in the context of Execution Advisor algorithms (EAs) that are popular in the retail community. You must evaluate historic performance by its risk-adjusted return — not just the nominal return. Incidentally look at the Sharpe ratio of ones that have been live for a year or more ... Otherwise an EA developer could produce two EAs: the first simply buys at 1000:1 leverage on January 1st ; and the second sells in the same manner. At the end of the year, one of them will be discarded and the other will look incredible. Its risk-adjusted return, however, would be abysmal and the odds of repeated success are similarly poor. Sharpe ratio The Sharpe ratio works like this: It takes the average returns of your strategy; It deducts from these the risk-free rate of return i.e. the rate anyone could have got by investing in US government bonds with very little risk; It then divides this total return by its own volatility - the more smooth the return the higher and better the Sharpe, the more volatile the lower and worse the Sharpe. For example, say the return last year was 15% with a volatility of 10% and US bonds are trading at 2%. That gives (15-2)/10 or a Sharpe ratio of 1.3. As a rule of thumb a Sharpe ratio of above 0.5 would be considered decent for a discretionary retail trader. Above 1 is excellent. You don’t really need to know how to calculate Sharpe ratios. Good trading software will do this for you. It will either be available in the system by default or you can add a plug-in. VAR VAR is another useful measure to help with drawdowns. It stands for Value at Risk. Normally people will use 99% VAR (conservative) or 95% VAR (aggressive). Let’s say you’re long EURUSD and using 95% VAR. The system will look at the historic movement of EURUSD. It might spit out a number of -1.2%. ​ A 5% VAR of -1.2% tells you you should expect to lose 1.2% on 5% of days, whilst 95% of days should be better than that This means it is expected that on 5 days out of 100 (hence the 95%) the portfolio will lose 1.2% or more. This can help you manage your capital by taking appropriately sized positions. Typically you would look at VAR across your portfolio of trades rather than trade by trade. Sharpe ratios and VAR don’t give you the whole picture, though. Legendary fund manager, Howard Marks of Oaktree, notes that, while tools like VAR and Sharpe ratios are helpful and absolutely necessary, the best investors will also overlay their own judgment. Investors can calculate risk metrics like VaR and Sharpe ratios (we use them at Oaktree; they’re the best tools we have), but they shouldn’t put too much faith in them. The bottom line for me is that risk management should be the responsibility of every participant in the investment process, applying experience, judgment and knowledge of the underlying investments.Howard Marks of Oaktree Capital What he’s saying is don’t misplace your common sense. Do use these tools as they are helpful. However, you cannot fully rely on them. Both assume a normal distribution of returns. Whereas in real life you get “black swans” - events that should supposedly happen only once every thousand years but which actually seem to happen fairly often. These outlier events are often referred to as “tail risk”. Don’t make the mistake of saying “well, the model said…” - overlay what the model is telling you with your own common sense and good judgment. Coming up in part III Available here Squeezes and other risks Market positioning Bet correlation Crap trades, timeouts and monthly limits ​ *** Disclaimer:This content is not investment advice and you should not place any reliance on it. The views expressed are the author's own and should not be attributed to any other person, including their employer. submitted by getmrmarket to Forex [link] [comments] Some trading wisdom, tools and information I picked up along the way that helped me be a better trader. Maybe it can help you too. Its a bit lengthy and I tried to condense it as much as I can. So take everything at a high level as each subject is has a lot more depth but fundamentally if you distill it down its just taking simple things and applying your experience using them to add nuance and better deploy them. There are exceptions to everything that you will learn with experience or have already learned. If you know something extra or something to add to it to implement it better or more accurately. Then great! However, my intention of this post is just a high level overview. Trading can be far too nuanced to go into in this post and would take forever to type up every exception (not to mention the traders individual personality). If you take the general information as a starting point, hopefully you will learn the edge cases long the way and learn how to use the more effectively if you end up using them. I apologize in advice for any errors or typos. Introduction After reflecting on my fun (cough) trading journey that was more akin to rolling around on broken glass and wondering if brown glass will help me predict market direction better than green glass. Buying a $100 indicator at 2 am when I was acting a fool, looking at it and going at and going "This is a piece of lagging crap, I miss out on a large part of the fundamental move and never using it for even one trade". All while struggling with massive over trading and bad habits because I would get bored watching a single well placed trade on fold for the day. Also, I wanted to get rich quick. On top all of that I had a terminal Stage 4 case of FOMO on every time the price would move up and then down then back up. Just think about all those extra pips I could have trading both directions as it moves across the chart! I can just sell right when it goes down, then buy right before it goes up again. Its so easy right? Well, turns out it was not as easy as I thought and I lost a fair chunk of change and hit my head against the wall a lot until it clicked. Which is how I came up with a mixed bag of things that I now call "Trade the Trade" which helped support how I wanted to trade so I can still trade intra day price action like a rabid money without throwing away all my bananas. Why Make This Post? - Core Topic of Discussion I wish to share a concept I came up with that helped me become a reliable trader. Support the weakness of how I like to trade. Also, explaining what I do helps reinforce my understanding of the information I share as I have to put words to it and not just use internalized processes. I came up with a method that helped me get my head straight when trading intra day. I call it "Trade the Trade" as I am making mini trades inside of a trade setup I make from analysis on a higher timeframe that would take multiple days to unfold or longer. I will share information, principles, techniques I used and learned from others I talked to on the internet (mixed bag of folks from armatures to professionals, and random internet people) that helped me form a trading style that worked for me. Even people who are not good at trading can say something that might make it click in your head so I would absorbed all the information I could get.I will share the details of how I approach the methodology and the tools in my trading belt that I picked up by filtering through many tools, indicators strategies and witchcraft. Hopefully you read something that ends up helping you be a better trader. I learned a lot from people who make community posts so I wanted to give back now that I got my ducks in a row. General Trading Advice If your struggling finding your own trading style, fixing weakness's in it, getting started, being reliably profitable or have no framework to build yourself higher with, hopefully you can use the below advice to help provide some direction or clarity to moving forward to be a better trader. KEEP IT SIMPLE. Do not throw a million things on your chart from the get go or over analyzing what the market is doing while trying to learn the basics. Tons of stuff on your chart can actually slow your learning by distracting your focus on all your bells and whistles and not the price action. PRICE ACTION. Learn how to read price action. Not just the common formations, but larger groups of bars that form the market structure. Those formations carry more weight the higher the time frame they form on. If struggle to understand what is going on or what your looking at, move to a higher time frame. INDICATORS. If you do use them you should try to understand how every indicator you use calculates its values. Many indicators are lagging indicators, understanding how it calculates the values can help you learn how to identify the market structure before the indicator would trigger a signal . This will help you understand why the signal is a lagged signal. If you understand that you can easily learn to look at the price action right before the signal and learn to watch for that price action on top of it almost trigging a signal so you can get in at a better position and assume less downside risk. I recommend using no more than 1-2 indicators for simplicity, but your free to use as many as you think you think you need or works for your strategy/trading style. PSYCOLOGY. First, FOMO is real, don't feed the beast. When you trade you should always have an entry and exit. If you miss your entry do not chase it, wait for a new entry. At its core trading is gambling and your looking for an edge against the house (the other market participants). With that in mind, treat as such. Do not risk more than you can afford to lose. If you are afraid to lose it will negatively effect your trade decisions. Finally, be honest with your self and bad trading happens. No one is going to play trade cop and keep you in line, that's your job. TRADE DECISION MARKING: Before you enter any trade you should have an entry and exit area. As you learn price action you will get better entries and better exits. Use a larger zone and stop loss at the start while learning. Then you can tighten it up as you gain experience. If you do not have a area you wish to exit, or you are entering because "the markets looking like its gonna go up". Do not enter the trade. Have a reason for everything you do, if you cannot logically explain why then you probably should not be doing it. ROBOTS/ALGOS: Loved by some, hated by many who lost it all to one, and surrounded by scams on the internet. If you make your own, find a legit one that works and paid for it or lost it all on a crappy one, more power to ya. I do not use robots because I do not like having a robot in control of my money. There is too many edge cases for me to be ok with it.However, the best piece of advice about algos was that the guy had a algo/robot for each market condition (trending/ranging) and would make personalized versions of each for currency pairs as each one has its own personality and can make the same type of movement along side another currency pair but the price action can look way different or the move can be lagged or leading. So whenever he does his own analysis and he sees a trend, he turns the trend trading robot on. If the trend stops, and it starts to range he turns the range trading robot on. He uses robots to trade the market types that he is bad at trading. For example, I suck at trend trading because I just suck at sitting on my hands and letting my trade do its thing. Trade the Trade - The Methodology Base Principles These are the base principles I use behind "Trade the Trade". Its called that because you are technically trading inside your larger high time frame trade as it hopefully goes as you have analyzed with the trade setup. It allows you to scratch that intraday trading itch, while not being blind to the bigger market at play. It can help make sense of why the price respects, rejects or flat out ignores support/resistance/pivots. Trade Setup: Find a trade setup using high level time frames (daily, 4hr, or 1hr time frames). The trade setup will be used as a base for starting to figure out a bias for the markets direction for that day. Indicator Data: Check any indicators you use (I use Stochastic RSI and Relative Vigor Index) for any useful information on higher timeframes. Support Resistance: See if any support/resistance/pivot points are in currently being tested/resisted by the price. Also check for any that are within reach so they might become in play through out the day throughout the day (which can influence your bias at least until the price reaches it if it was already moving that direction from previous days/weeks price action). Currency Strength/Weakness: I use the TradeVision currency strength/weakness dashboard to see if the strength/weakness supports the narrative of my trade and as an early indicator when to keep a closer eye for signs of the price reversing.Without the tool, the same concept can be someone accomplished with fundamentals and checking for higher level trends and checking cross currency pairs for trends as well to indicate strength/weakness, ranging (and where it is in that range) or try to get some general bias from a higher level chart that may help you out. However, it wont help you intra day unless your monitoring the currency's index or a bunch of charts related to the currency. Watch For Trading Opportunities: Personally I make a mental short list and alerts on TradingView of currency pairs that are close to key levels and so I get a notification if it reaches there so I can check it out. I am not against trading both directions, I just try to trade my bias before the market tries to commit to a direction. Then if I get out of that trade I will scalp against the trend of the day and hold trades longer that are with it.Then when you see a opportunity assume the directional bias you made up earlier (unless the market solidly confirms with price action the direction while waiting for an entry) by trying to look for additional confirmation via indicators, price action on support/resistances etc on the low level time frame or higher level ones like hourly/4hr as the day goes on when the price reaches key areas or makes new market structures to get a good spot to enter a trade in the direction of your bias.Then enter your trade and use the market structures to determine how much of a stop you need. Once your in the trade just monitor it and watch the price action/indicators/tools you use to see if its at risk of going against you. If you really believe the market wont reach your TP and looks like its going to turn against you, then close the trade. Don't just hold on to it for principle and let it draw down on principle or the hope it does not hit your stop loss. Trade Duration Hold your trades as long or little as you want that fits your personality and trading style/trade analysis. Personally I do not hold trades past the end of the day (I do in some cases when a strong trend folds) and I do not hold trades over the weekends. My TP targets are always places I think it can reach within the day. Typically I try to be flat before I sleep and trade intra day price movements only. Just depends on the higher level outlook, I have to get in at really good prices for me to want to hold a trade and it has to be going strong. Then I will set a slightly aggressive stop on it before I leave. I do know several people that swing trade and hold trades for a long period of time. That is just not a trading style that works for me. Enhance Your Success Rate Below is information I picked up over the years that helped me enhance my success rate with not only guessing intra day market bias (even if it has not broken into the trend for the day yet (aka pre London open when the end of Asia likes to act funny sometimes), but also with trading price action intra day. People always say "When you enter a trade have an entry and exits. I am of the belief that most people do not have problem with the entry, its the exit. They either hold too long, or don't hold long enough. With the below tools, drawings, or instruments, hopefully you can increase your individual probability of a successful trade. **P.S.*\* Your mileage will vary depending on your ability to correctly draw, implement and interpret the below items. They take time and practice to implement with a high degree of proficiency. If you have any questions about how to do that with anything listed, comment below and I will reply as I can. I don't want to answer the same question a million times in a pm. Tools and Methods Used This is just a high level overview of what I use. Each one of the actions I could go way more in-depth on but I would be here for a week typing something up of I did that. So take the information as a base level understanding of how I use the method or tool. There is always nuance and edge cases that you learn from experience. Fundamentals I keep a general high level Macro outlook for currencies. I dont get too deep into Fundamentals and just keep an eye out for news. If I am already in a trade I will hold it if its far enough away from my entry. However, I wont enter right before/during news as it can invalidate your setup. Price Action I started with the basics of learning the standard price action formations/patterns and candles. You can find tons of free info on that online, google is your friend. Then I stared at charts and said "why did the price do that or do this etc" then after a while I started to understand what's happening without having to think about it and I can see the market structure without having to look as closely as I did in the past. After many many hours of staring at 5 min charts for 15 hours a day 5 days a week I learned how to look at 5 min charts and be like "Oh that's a hammer on the 15 min etc. If you keep track of time you can do the same for hourly candles as well and you will start to see market structure naturally. However I typically trade in a two chart panel window so I have a 15 min and 5 min chart up when trading intra day so I dont have to think too hard about it. Support/Resistance Lines Draw support resistance lines on Daily/4hr timeframes. I prefer to use body of the candle instead of the wick for support/resistance. You can find support/resistance liquidity levels through out the day as well and trade those if the price retraces back through levels its already been through that same day. It would be a bit length to explain exactly the best place to draw them. If your unsure there is plenty of free resources on the internet. Just try to use your head and look for price levels where the price was "Supported" or it "Resisted" that price level then slap a line on it. Draw as few or as many lines as you feel helps you and your style. I tend to lean on the side of fewer. I typically do about 6 lines main support/resistances (3 of each). Fibonacci Extensions Draw two Fibonacci Extensions. One on the daily timeframe, and then one on the 4hr time frame. Then you can trade the Fibonacci levels and use them for TP targets or entry zones if price action respects the level. Also you can use it along with support/resistance and pivots if they happen to line up or are very close. I cannot really figure out how to put it into words how to draw a Fib if you dont know how. I will have to make a picture to demonstrate it. If your interested post below and I will draw one up and post a link. Probably the easiest way to understand. Just keep in mind the Fib you draw on the 4hr time frame will be inside the daily timeframe one. Currency Strength/Weakness The TradeVision2020 dashboard that I use just helps me keep a tab on the current market post plus any swing strength/momentum a currency might have on higher time frames. Helps me look for shifts in the market or confirmation that the bias it already has in momentum is continuing. I have found that often currencies when they get really/weak or strong might continue for several days or even longer like a full week or more. We recently had what felt like 1 week or so of flat out Yen weakness which was making some things wonky. All it does is allow me to look at the dashboard instead of a million other charts. Indicators I use two that work well for my intra day style. The Stochastic RSI is just like a RSI but its faster. The second is the Relative Vigor Index which I use to detect swings in momentum and divergences in bullish/bearish momentum. I have used many others in the past, but as I have grown and got better as a trader I have found making my analysis simpler has improved my trading.I dont like the whole idea of have 43 different indicators on 32 different time frames light up a dashboard to be green for me to enter a trade. With how I do it now, I have a clear understanding of what I expect to happen and why. That way when it does happen I understand the move and dont get freaked out if the market moves funny after I am in the trade. Conclusion I use the above tools/indicators/resources/philosophy's to trade intra day price action that sometimes ends up as noise in the grand scheme of the markets movement.use that method until the price action for the day proves the bias assumption wrong. Also you can couple that with things like Stoch RSI + Relative Vigor Index to find divergences which can increase the probability of your targeted guesses. ​ Trade Example from Yesterday This is an example of a trade I took today and why I took it. I used the following core areas to make my trade decision. Fundamental Bias: I already had a bullish fundamental outlook on EUUSD with expecting the markets to price in future similes due a higher an higher chance of Biden winning on paper as the election closed in and a "Blue wave" coming which would lead to a weaker dollar. Also, the Euro Zone is getting hammered with COVID pretty hard plus Brexit drama so I had a strong Euro bias.NOTE: As frame of reference, all the other pairs I trade I traded as if they were ranging and trade a range. Markets are messed up right now. Currency Strength/Weakness: I use a tool that gives me a currency strength/weakness dashboard called TradeVision2020. Helps me track individual currency strength/weakness intra day. Took me about a month to get used to it, but helps me keep track of intra day strength/weakness that can add a bias to trade direction as the day unfolds. Like "Will this run have a 2nd or 3rd push higher" or "I should look to TP at the first sign of weakness in the push" type bias data. You still got to use your brain and figure out the best decision. It wont make choices for you, its only a guide.NOTE: I am not trying to adverse the tool (if providing the code is against sub rules let me know), its just a tool I use every day that helps me with directional bias calls. I am sharing the coupon code that was given to me when I found out about the tool in the TradingView forex chatroom and the guy gave me the code to use when I signed up. I dont want someone to read the name and want to try it out then overpay for no reason. The coupon will give you 40% off. Coupon Code: 3F7A0T5T Higher Timeframe Analysis: Detected some early signs of Bearish Divergence on the 1hr chart using a on a higher time frame using a Stochastic RSI. Then I saw more confirmation on 5 min charts using Relative Vigor Index to help time my entry mid session. Pivot Points: I treat pivot points like support/resistance and trade them as such using price action to give me some idea how its being treated by the market. Pretty straight forward. It may seem like a lot of stuff to process on the fly while trying to figure out live price action but, for the fundamental bias for a pair should already baked in your mindset for any currency pair you trade. For the currency strength/weakness I stare at the dashboard 12-15 hours a day so I am always trying to keep a pulse on what's going or shifts so that's not really a factor when I want to enter as I would not look to enter if I felt the market was shifting against me. Then the higher timeframe analysis had already happened when I woke up, so it was a game of "Stare at the 5 min chart until the price does something interesting" Trade Example: Today , I went long EUUSD long bias when I first looked at the chart after waking up around 9-10pm Eastern. Fortunately, the first large drop had already happened so I had a easy baseline price movement to work with. I then used tool for currency strength/weakness monitoring, Pivot Points, and bearish divergence detected using Stochastic RSI and Relative Vigor Index. I first noticed Bearish Divergence on the 1hr time frame using the Stochastic RSI and got confirmation intra day on the 5 min time frame with the Relative Vigor Index. I ended up buying the second mini dip around midnight Eastern because it was already dancing along the pivot point that the price had been dancing along since the big drop below the pivot point and dipped below it and then shortly closed back above it. I put a stop loss below the first large dip. With a TP goal of the middle point pivot line Then I waited for confirmation or invalidation of my trade. I ended up getting confirmation with Bearish Divergence from the second large dip so I tightened up my stop to below that smaller drip and waited for the London open. Not only was it not a lower low, I could see the divergence with the Relative Vigor Index. It then ran into London and kept going with tons of momentum. Blew past my TP target so I let it run to see where the momentum stopped. Ended up TP'ing at the Pivot Point support/resistance above the middle pivot line. Random Note: The Asian session has its own unique price action characteristics that happen regularly enough that you can easily trade them when they happen with high degrees of success. It takes time to learn them all and confidently trade them as its happening. If you trade Asia you should learn to recognize them as they can fake you out if you do not understand what's going on. ​ TL;DR At the end of the day there is no magic solution that just works. You have to find out what works for you and then what people say works for them. Test it out and see if it works for you or if you can adapt it to work for you. If it does not work or your just not interested then ignore it. At the end of the day, you have to use your brain to make correct trading decisions. Blindly following indicators may work sometimes in certain market conditions, but trading with information you don't understand can burn you just as easily as help you. Its like playing with fire. So, get out there and grind it out. It will either click or it wont. Not everyone has the mindset or is capable of changing to be a successful trader. Trading is gambling, you do all this work to get a edge on the house. Trading without the edge or an edge you understand how to use will only leave your broker happy in the end. submitted by marcusrider to Forex [link] [comments] Real Supply & Demand in FOREX with Precision Part Two So yesterday I created the first part to the 'post' Today I'll continue it. All markets, equities, cars, widgets, groceries, bonds and even forex are driven by volume. Without volume there is no movement as it's the market maker to entice the trader to aggressively buy or sell based upon their sentiments of direction. So let's first put into perspective market sentiment and what it is for this posts purpose. Sentiment is the psychological pressure of trader expectations in movement. It's visible through intermarket analysis and even some indexes when the indexes are properly cross referenced. But sentiment is visible even when candles stop their climb or when buying pressure supports the prices on an attempt to move lower. What comes after sentiment builds it's pressure is the path of least resistance and that's really what the markets are doing. Following the path of least resistance with volume as the rivers boundaries. Volume in foreign exchange is real. Retail traders think that because the market is decentralized that volume isn't available. Well, the broker you connect to, and the prime broker or bank that they connect to, they source their pricing with risk management modules by analyzing aggregated volume. Aggregation is a grouping of FX liquidity streams (that all include volume levels) into one hub of liquidity housed inside a limit order book. Volume is not made available to you though. It's the playground of the banks and if you're going to have access to a tool that allows the masses to dilute their returns do you think they would let you have it freely? Nope! They would though lobby for laws (Dodd-Frank, FIFO etc etc come to mind here) they all make it more difficult for you to trade!!!! Opacity!!! But volume is very real, it only needs proper aggregation! So how do we find valuable opportunities when studying the charts? First off, if you study the charts alone you're doing yourself a great disservice! EURUSD in any time frame is just a representation of a relationship between two currencies. You need to study the value of the underlying currencies! What that provides you is precision entries. Let's call the entry on Candle 12 (an arbitrary number). On candle 12 you see USDCHF spike higher, that would indicate that EURUSD is going to drop 96% of the time! Oh a little insight! So you take a position short EURUSD on candle 12 in expectation that the relationship between the two currencies is going to go lower because of the strength in the Dollar. But remember, exchange rate fluctuation is the path of least resistance. So at the point where you have found your entry short in EURUSD, there is the opposite consideration. What if I am wrong? What it if goes the other way? At what price would it show me the opposite direction and how long do I have to wait to confirm a reversal? Candle 12 is magical. It tells you what you need. You see, in ALL instances, extremes high or lows of charts are seen by changes in what's called bid/ask bounce. When bid ask bounce is breached it's giving you sentiment, volume and price all shifting directions. If candle 12 is the candle short, then the high immediately prior to candle 12 is your reversal point! I guarantee you this is the intersection of buyers and sellers, and when one defeats the other the market changes direction. This is true for all of the entries here, if price reversed before it reached a profitable exit then the reverse would in fact be at the opposite extreme prior to the entry candle. So we go back and visit the adage buy low/sell high but what happens in between? Proper analysis is an active participation. And just as your analysis says you should buy or sell, your analysis should also tell you how the market is reacting in the middle. If there's no change or breach in bid/ask bounce the trend is still moving. In the attached chart. When an entry signal is confirmed, the immediate high or low prior to that entry becomes the exact reversal point. (I have circled them in yellow) In most of the opportunities shown that stop loss is a mere 2.2 pips away from the entry price and there are no reversals that were required and all signals were profitably identified. No I did not trade them, this is live analysis that runs continually. Of all the signals there is ONE blue X in the center region of the chart that almost gave a sell signal but price pressures remained in tact and thus bullish. The analysis identifies over 100 pips in movement within a range of 35 pips overall. And none of it with lagging analysis. With proper analysis, you can maximize your returns by comprehensively understanding all market conditions. You'll minimize your losing trades to negligible frequencies, your gains will be maximized and you'll see precisely how the market moves, turns, breathes and follows the path of least resistance. Now my purpose here is to develop market transparency for the little guy. Sure my posts attract trolls because the trolls have been burned by their own trading ignorance. So they attack those that strive for and deliver something better, in fact most of them don't know how to trade to save their life and that's their anger. I could show you a few of them who have had accounts with companies I advise or am principal of - but there are privacy rights to respect. Do I do this free? On here of course. Is it a business? I've spent over a million dollars in just research, but when I experienced how expensive it was to obtain true transparency I knew there were benefits to providing this information to retail traders. https://preview.redd.it/367rn2d6p3s51.jpg?width=1345&format=pjpg&auto=webp&s=e99e1604a078b6aa0916f32be91ce16bc5196320 submitted by iTradeSocial to u/iTradeSocial [link] [comments] Read Carefully Experts! This may appear to be a noob question, but read on carefully and please try and understand the point I'm trying to make! I'm hoping your answers might be helpful to people both learning Forex and looking to get into it, so please don't hate on me for this post. I am relatively new to FX and have learned about break and retest strategies, MACD crossovers and stop losses below structure and risk to reward ratios (usually going for 1:1 or 2/3:1) and so on. I say this only so you know I've a general (very basic) understanding of charts, price action etc. I definitely do NOT expect to step into the markets and instantly win a majority of my trades, however, to illustrate my thoughts please note the example below. If I am winning 2% on a winning trade and losing 1% on a losing trade (2:1 reward risk per trade), a strategy that wins just 50% of the time trading once per trading day would be +10% each month. (10 days of -1%, 10 days of +2%). +10% is a HUGE increase in accounts and if a $1000 account was +10% per month for 12 months the end of year balance would be over $3138.43 or a 213.84% return! This leads me to a theory that almost NO system can be returning 50% on a 2:1 reward risk, even with careful trade selection (let's say I monitor the 7 major pairs, gold and GBP/JPY as I do and pick one entry a day) Am I wrong? I appreciate it is a hypothetical example designed to make a point, but my thoughts are if you monitored lots of pairs and took only ONE entry a day, we might expect to win 50% of the time. Let's expand this further. I have seen numerous algos (can't name them but looking like they win at LEAST 50% of the time) which tempt me because they appear to indicate moves I could jump on and where I could pull a bunch of pips out of the market. However, there surely cannot be a holy grail or are people making this type of insane return? It cannot be as easy as buying an algo, signing up to $300,000 worth of FTMO funding and earning 10% per month for an easy $21,000 per month income with profit share. Or maybe it is and I'm just cynical?! I end up getting tempted by courses etc. in the hope that if I spent £400 on a good course it would open the door to what I need to do, but I'm nervous this is just another huge mistake. I genuinely would love to trade Forex for a living. Really I would. I hope it's possible and I hope to learn a strategy I can wash, rinse and repeat. I love watching videos and live streamers who seem to have a great understanding of what's going on but I wonder if it's really possible. It seems a million miles away but I'm determined to keep learning and trading. Reading your considered thoughts to this post would be helpful for me and I'm sure others and thank you for reading it. submitted by mal4291 to Forex [link] [comments] The truth about risk:reward I'm going to let you guys in on a bit of a secret. This is from someone that has been in this Forex game for over 8 years now, and has traded professionally at financial institutions for short stints. ​ What you know about risk reward is probably why you've been losing money. ​ The common knowledge is this. Use a 2:1 or higher risk reward because that way you'll make twice the profit when your right and half the loss, thus you only need to be right 33% of the time to make a profit! It SOUNDS good, but actually there's a fatal flaw. It has everything to do with market noise. Market noise is generally a lot larger than most people realise. I'm willing to say anything less than a multi-day time frame is almost dictated by market noise most of the days. Market noise can either be your greatest ally, or worst enemy. You can never predict if the market is going to go up, or down.. but you can almost be 99% sure that the market is going to by noisy. Most of the time VERY noisy, up down. Here is the kicker: When you setup a 2:1 trade. You are effectively making this bet: "I bet you that the price will hit X.. BEFORE it hits Y." By making X twice as far away as Y.. you are effectively betting against the STRONGEST and MOST PROBABLE force on the market.. market noise. ​ In order to win a 2:1 R:R trade.. you not ONLY have to be right about your underlying trade idea. You actually have to HOPE that the market noise won't cuck you out of a profit. i;e You are betting AGAINST market noise. ​ So how can we thwart this demonic force? I'm going to say something controversial: ​ 1:1 Risk:Reward trades are hands down the BEST ratio to use on anything less than the daily timeframe Why? because your just as likely to get fluctuated into a profit, as you are into a loss. Over time this cancels out and what your left with is purely whether or not your strategy is profitable. ​ Most strategies ARE in fact profitable. Fibs, cup and handles, all this junk. They are >50% win rate. The problem is people use greater than 1:1 R;R and end up getting fluctuated out of 70% of the trades. ​ ​ So moral of the story: Use 1:1 Risk:Reward. The reason why most people dont make money in Forex is because most of the marketing and educational material spew crap about 2:1 R;R or 4:1 R;R. There is a place for that kinda R;R and it's the monthly timeframe. ' submitted by Coalandflame to Forex [link] [comments] I'm lost Hi, I'm new with Forex trading, I've been practicing with tradingview and Meta Trader 5 one month until today. I had that feeling that I was ready and I put 50€ to try with a real account. I'm now with 25€. Big losses for me of course. Normally I'm optimistic guy, but now, I feel sad and I'm starting to doubt my ability and my "intelligence". Besides de Resistence, Suport, Trend and Fib, I'm constantly changing my indicators trying to find those who fit me better. My question is, when in average a person start to be consistent and profitable? I'm in a wrong way? What do I do wrong? What the "best" indicators or strategies? And is better to trade with a day frametime and enter with a frametime of 1h? I'm so loss and to be frank it's the first time I'm feel really sad about something. It's not because of the money I loss, but because I feel like I steel do know nothing about the market. submitted by Darksetor to Forex [link] [comments] 10 Ways to Make Money Online in South Africa There are a lot of opportunities online for anyone that wants to make a little extra money. From a part-time hustle to an all-out digital career, there are loads of ways that you can make money with an electronic device, and a connection to the internet. ​ Paid Surveys - Did you know that thousands of South Africans earn extra income by simply participating in online surveys to help local companies improve their products? Finally, now you have an opportunity to do this as well! You can find a list of the top survey sites for South Africa HERE Selling Your Photos Online - Selling photos is a wonderful way to make money online if you have an aptitude for photography. Two popular platforms that you can try are Shutterlock and Unsplash. Every platform will have different requirements, but they will all pay you in hard cash. Though the photography market is quite hectic, it’s still a good method of gaining a passive income if you’re persistent and professional. Plus, the opportunity for additional sales is higher when your photos become popular. Many companies need photos of landscapes, and we all know that South Africa has some of the most amazing scenery in the world. In some cases, a smartphone is enough to get started, depending on the stock photo site you choose. Be a Freelance Content Writer - Freelance writing is a serious online business. The internet enters most areas of our life, and the need for blog articles and various types of content is exploding. There are many kinds of online writing work, and many people need things like product descriptions or simple reviews. Before going further in this direction, you first need to set up a blog or website. This will be an amazing portfolio where you can demonstrate to potential clients or businesses that you can deliver great work. A LinkedIn profile can be created to function as an online portfolio as well. Don’t forget that many writing clients will want to see specialized work, so be sure to consider what area you would like to specialize in. The pay for online writing varies, but with some practice, you should be able to make a decent part-time income. Sell Unwanted Goods - You can sell your unwanted stuff to people who want it and make your side business a real money maker. There’s plenty of options to use for sales such as Gumtree or Amazon. Don’t forget to do some research and see what assets have recently been sold so you have a target price. If you a business, you can sell other people’s goods as well. Many people don’t have the time or patience to sell goods online, and you can do it for them. If you charge a reasonable percentage of the sales, you can make a solid business out of selling used goods online. Build a Personal blog/website - Not only can you write for companies to gain income but you’re also able to run your own blog to raise money as well. Set your expectations at a reasonable level because this job requires consistent practice and lots of patience. Bloggers make a profit, often through press coverage, advertising products, and writing sponsored guest posts. You will need to run the blog for a while before you can expect to see any profits, but it is very simple to get started. Check out some of the other ideas on this list for ways to leverage a blog for greater income, like selling drop shipped items. Legitimate Remote Jobs can Pay Real Money - Many companies are heading to a work-from-home style of business since this type of model helps save money, and eliminates the risk of illnesses. People are completely flexible while working for a company and selecting where they decide to spend their time.CrowdSource, for example, hires remote writers, editors, and other jobs that can be done easily from anywhere. Companies like Fast Chart offer work-from-home options for medical transcriptionists. You can also try seeking opportunities at LiveOps, a call center staff. You might be surprised at how much time and money you save when you work at home. There is no transit, and you can cook for yourself. Think about it! Become a Dropshipper - Dropshipping is not a strange term, especially when eCommerce is booming. Anyone can be a drop shipper since the work requires low investment at the beginning and also guarantees minimal risk. The system operates by purchasing the stock (goods) from a third party supplier or manufacturer, who then fulfills the customer’s request. You don’t have to shop or handle goods in advance because the product comes directly from the vendors whenever an order is placed by a customer. There are many dropshipping platforms out there, and some are basically free to use. You will need to figure out how to market the goods, which is where a blog or website comes in very handy. Affiliate Marketing - Affiliate marketing is a popular method of making money online in South Africa and across the world. You can sell into a variety of markets with this business model, and make money almost anywhere. You can generate revenue from product sales. In other words, affiliate marketers will refer readers to a lot of products and get a small cut from them. Once a customereader buys products, you will earn a commission. A widely known approach is to start creating your own blog in a specific niche and to establish a trustworthy community that can purchase your promotions. Unlike dropshipping, you simply get a commission and have no other responsibilities. So easy! Check out SA’s leading affiliate network – https://www.affiliate.co.za/ Online Business with Etsy - Try selling DIY designs and crafts on Etsy if you’re a skilled maker. An Etsy shop is basically free to operate, and you can make real money with the platform. Once your registration is complete, you can start posting photos of your works, and people can purchase your products. There is really no limit to what can be sold on Etsy, but make sure that you are able to send your goods to other countries, as many buyers are likely to be in the EU or North America. A PayPal account is important to have and also a popular payment choice so that customers can pay you quickly. Take nice pictures of the items to help draw purchasers into a sale. Make sure that you have good customer service as well, or you won’t be selling on the platform for very long! Forex Trading - You might have heard about trading FOREX or Contract For Difference (CFD) trading. The basics of this online money-making are simple. You will choose a currency pair, and bet on the direction of one currency vs. the other. For example, you could speculate that the EURO will appreciate vs. the RAND (or just about any currency). If you are correct, and then sell the contract, you will make profits. While this might sound easy, most people who do this lose money. In addition to currency, most retail FOREX brokers will allow you to trade in other markets, such as commodities, or shares. If you are looking for a reliable income, this probably isn’t right for you. On the other hand, if you don’t mind taking on risks, trading FOREX can be extremely profitable. submitted by MrPassiveIncome to beermoneysouthafrican [link] [comments] Instagram forex traders will not make you successful. I feel like I need to have a rant. I have been trading for just over a year now and I have just started to become profitable. What made me profitable? Blocking out all of the rubbish that comes from forex Instagram. I didn’t find a fancy new strategy. I’m using the strategy that I formed in the first 3 months of me trading. So why only now am I starting to become profitable when I knew about the strategy almost a year ago? Because i chose to digest information coming from instagram forex traders. I’m not talking about the obvious scammers you see on your Instagram feed such as IML, broker commission marketers, or any of the likes. I’m talking about the select few that portray themselves as trading veterans and are popular in the trading community. They are constantly posting on their stories/profile 24/7. At least once a day they will post something like ‘only 2 slots left In my mentorship’ or ‘come join my free telegram channel’. Warning: if a trader you follow is trying to promote something, even if it’s just for Instagram followers, unfollow them. They will not help you become successful. So I had my strategy by month 3 of trading. I backtested it and it worked. But I started taking advice from these traders, I got my hands on a few of their courses and my trading began to fail. Every single course was pathetic. Never showed any live trading. No proof of anything. Always making excuses of why they can’t tag their MyFxBook. I unfollowed all these ‘traders’ and now I am profitable. Rant over. submitted by zor600 to Forex [link] [comments] Bonds Trading! Predictable Source of Income… You’re not sure what tomorrow holds. Crazy events are just too many. The pandemic has paralyzed so many things already. Besides that, you’ve seen protests, weird things that come with the elections…name it. Right now, you know that to survive long-term, you need a predictable source of income fast. The great news is you can get started right away with bond trading, one of the safest ways to make money right now. And no, you don’t have to wait forever. You can get into the day bond trading market and keep earning daily from this lucrative venture. Why should you consider bonds as a predictable source of income for you? Bonds are less risky When you talk about markets, many people quickly think of the stock market. Others think of the forex markets. All these are huge markets but incredibly risky and volatile. In fact, there’s solid proof that most who get into the forex market fail. It mostly ends in premium tears. Enters the bond market management. This is the backbone of the economy and one of the safest ways to trade out there. Why? Government entities rarely default. In the United States, government bonds are considered risk free. So, even though the pandemic has ruined most things, the bond market still stands. And you can still make a lot of money from it. You can diversify Okay, there’s no risk, great! But should you put all your eggs in one basket? No. You don’t have to. Bond investing can be diversified. There are several types of bonds. These have different maturity terms. You can use this to minimize volatility and to ensure that your cash-flow is steady. I recommend day bond trading if you want to have a consistent and dependable source of income. I can actually teach you how to do this on my Bond Market Mastery course. On the other hand, you can also diversify and take up longer-term bonds for future ROI. Low profile but extremely important Do you love keeping a low profile? You’re tired of all the ads. You don’t want to keep promoting things on social media, blogs, calls, emails, or door to door to make a sale. In fact, you’re just looking for a way to quietly make money while you focus on other things that are important to you, like spending more time with your family. If this describes you, then the bond market is an excellent and predictable income source for you. Once you learn how to do it well, it can give you that freedom that you’ve really been looking for. A bond trading strategy is lower-profile but more important than even stock trading. You simply alter your portfolio considering the prevailing market conditions to maximize profit. Bonds are especially important since they affect the prevailing interest rates in an economy. In turn, this affects all sorts of lending and credit industries. Better than savings accounts Saving is crucial. Don’t spend all that you earn. However, pointless saving is useless. You’ll simply keep money in a bank waiting for a “rainy day”. And when that day comes, you use up all the money and remain broke. The best thing to do is to grow your money. Consider doing this by putting money on the bond market instead. And to even start day bond trading to give you additional income. We’ve already figured out that it carries little to no risk. What’s the best news about day bond trading? You can make money from it daily. In fact, with the right strategy, you can be making considerable amounts of cash in minutes. Bonds reduce your tax burden You don’t want to lose most of your money to tax. Yes, pay your taxes. However, if you find a way to reduce the burden, take it. That’s what rich people do. If you want to pay less in taxes, there are bonds that you can try out. As said, you should diversify your bond trading strategy. Day trading will pay your bills. Long-term trading will take care of your future. And tax-free bonds, such as municipal bonds at the federal or state level, will ease your tax burden. Stop being uncertain about your financial future Bond trading can change the game for you. It’s safe. It’s predictable. It’s lucrative. Ease the burden for yourself and your family by jumping into this profitable bandwagon. submitted by seotrader0 to u/seotrader0 [link] [comments] Forex Signals Reddit: top providers review (part 1) Forex Signals - TOP Best Services. Checked! To invest in the financial markets, we must acquire good tools that help us carry out our operations in the best possible way. In this sense, we always talk about the importance of brokers, however, signal systems must also be taken into account. The platforms that offer signals to invest in forex provide us with alerts that will help us in a significant way to be able to carry out successful operations. For this reason, we are going to tell you about the importance of these alerts in relation to the trading we carry out, because, without a doubt, this type of system will provide us with very good information to invest at the right time and in the best assets in the different markets. financial Within this context, we will focus on Forex signals, since it is the most important market in the world, since in it, multiple transactions are carried out on a daily basis, hence the importance of having an alert system that offers us all the necessary data to invest in currencies. Also, as we all already know, cryptocurrencies have become a very popular alternative to investing in traditional currencies. Therefore, some trading services/tools have emerged that help us to carry out successful operations in this particular market. In the following points, we will detail everything you need to know to start operating in the financial markets using trading signals: what are signals, how do they work, because they are a very powerful help, etc. Let's go there! What are Forex Trading Signals? https://preview.redd.it/vjdnt1qrpny51.jpg?width=640&format=pjpg&auto=webp&s=bc541fc996701e5b4dd940abed610b59456a5625 Before explaining the importance of Forex signals, let's start by making a small note so that we know what exactly these alerts are. Thus, we will know that the signals on the currency market are received by traders to know all the information that concerns Forex, both for assets and for the market itself. These alerts allow us to know the movements that occur in the Forex market and the changes that occur in the different currency pairs. But the great advantage that this type of system gives us is that they provide us with the necessary information, to know when is the right time to carry out our investments. In other words, through these signals, we will know the opportunities that are presented in the market and we will be able to carry out operations that can become quite profitable. Profitability is precisely another of the fundamental aspects that must be taken into account when we talk about Forex signals since the vast majority of these alerts offer fairly reliable data on assets. Similarly, these signals can also provide us with recommendations or advice to make our operations more successful. »Purpose: predict movements to carry out Profitable Operations In short, Forex signal systems aim to predict the behavior that the different assets that are in the market will present and this is achieved thanks to new technologies, the creation of specialized software, and of course, the work of financial experts. In addition, it must also be borne in mind that the reliability of these alerts largely lies in the fact that they are prepared by financial professionals. So they turn out to be a perfect tool so that our investments can bring us a greater number of benefits. The best signal services today We are going to tell you about the 3 main alert system services that we currently have on the market. There are many more, but I can assure these are not scams and are reliable. Of course, not 100% of trades will be a winner, so please make sure you apply proper money management and risk management system. 1. 1000pipbuilder (top choice) Fast track your success and follow the high-performance Forex signals from 1000pip Builder. These Forex signals are rated 5 stars on Investing.com, so you can follow every signal with confidence. All signals are sent by a professional trader with over 10 years investment experience. This is a unique opportunity to see with your own eyes how a professional Forex trader trades the markets. The 1000pip Builder Membership is ordinarily a signal service for Forex trading. You will get all the facts you need to successfully comply with the trading signals, set your stop loss and take earnings as well as additional techniques and techniques! You will get easy to use trading indicators for Forex Trades, including your entry, stop loss and take profit. Overall, the earnings target per months is 350 Pips, depending on your funding this can be a high profit per month! (In fact, there is by no means a guarantee, but the past months had been all between 600 – 1000 Pips). >>>Know more about 1000pipbuilder Your 1000pip builder membership gives you all in hand you want to start trading Forex with success. Read the directions and wait for the first signals. You can trade them inside your demo account first, so you can take a look at the performance before you make investments real money! Features: Free Trial Forex signals sent by email and SMS Entry price, take profit and stop loss provided Suitable for all time zones (signals sent over 24 hours) MyFXBook verified performance 10 years of investment experience Target 300-400 pips per month Pricing: https://preview.redd.it/zjc10xx6ony51.png?width=668&format=png&auto=webp&s=9b0eac95f8b584dc0cdb62503e851d7036c0232b VISIT 1000ipbuilder here 2. DDMarkets Digital Derivatives Markets (DDMarkets) have been providing trade alert offerings since May 2014 - fully documenting their change ideas in an open and transparent manner. September 2020 performance report for DD Markets. Their manner is simple: carry out extensive research, share their evaluation and then deliver a trading sign when triggered. Once issued, daily updates on the trade are despatched to members via email. It's essential to note that DDMarkets do not tolerate floating in an open drawdown in an effort to earnings at any cost - a common method used by less professional providers to 'fudge' performance statistics. Verified Statistics: Not independently verified. Price: plans from $74.40 per month. Year Founded: 2014 Suitable for Beginners: Yes, (includes handy to follow trade analysis) VISIT ------- 3. JKonFX If you are looking or a forex signal service with a reliable (and profitable) music record you can't go previous Joel Kruger and the team at JKonFX. Trading performance file for JKonFX. Joel has delivered a reputable +59.18% journal performance for 2016, imparting real-time technical and fundamental insights, in an extremely obvious manner, to their 30,000+ subscriber base. Considered a low-frequency trader, alerts are only a small phase of the overall JKonFX subscription. If you're searching for hundreds of signals, you may want to consider other options. Verified Statistics: Not independently verified. Price: plans from $30 per month. Year Founded: 2014 Suitable for Beginners: Yes, (includes convenient to follow videos updates). VISIT The importance of signals to invest in Forex Once we have known what Forex signals are, we must comment on the importance of these alerts in relation to our operations. As we have already told you in the previous paragraph, having a system of signals to be able to invest is quite advantageous, since, through these alerts, we will obtain quality information so that our operations end up being a true success. »Use of signals for beginners and experts In this sense, we have to say that one of the main advantages of Forex signals is that they can be used by both beginners and trading professionals. As many as others can benefit from using a trading signal system because the more information and resources we have in our hands. The greater probability of success we will have. Let's see how beginners and experts can take advantage of alerts: Beginners: for inexperienced these alerts become even more important since they will thus have an additional tool that will guide them to carry out all operations in the Forex market. Professionals: In the same way, professionals are also recommended to make use of these alerts, so they have adequate information to continue bringing their investments to fruition. Now that we know that both beginners and experts can use forex signals to invest, let's see what other advantages they have. »Trading automation When we dedicate ourselves to working in the financial world, none of us can spend 24 hours in front of the computer waiting to perform the perfect operation, it is impossible. That is why Forex signals are important, because, in order to carry out our investments, all we will have to do is wait for those signals to arrive, be attentive to all the alerts we receive, and thus, operate at the right time according to the opportunities that have arisen. It is fantastic to have a tool like this one that makes our work easier in this regard. »Carry out profitable Forex operations These signals are also important, because the vast majority of them are usually quite profitable, for this reason, we must get an alert system that provides us with accurate information so that our operations can bring us great benefits. But in addition, these Forex signals have an added value and that is that they are very easy to understand, therefore, we will have a very useful tool at hand that will not be complicated and will end up being a very beneficial weapon for us. »Decision support analysis A system of currency market signals is also very important because it will help us to make our subsequent decisions. We cannot forget that, to carry out any type of operation in this market, previously, we must meditate well and know the exact moment when we will know that our investments are going to bring us profits . Therefore, all the information provided by these alerts will be a fantastic basis for future operations that we are going to carry out. »Trading Signals made by professionals Finally, we have to recall the idea that these signals are made by the best professionals. Financial experts who know perfectly how to analyze the movements that occur in the market and changes in prices. Hence the importance of alerts, since they are very reliable and are presented as a necessary tool to operate in Forex and that our operations are as profitable as possible. What should a signal provider be like? https://preview.redd.it/j0ne51jypny51.png?width=640&format=png&auto=webp&s=5578ff4c42bd63d5b6950fc6401a5be94b97aa7f As you have seen, Forex signal systems are really important for our operations to bring us many benefits. For this reason, at present, there are multiple platforms that offer us these financial services so that investing in currencies is very simple and fast. Before telling you about the main services that we currently have available in the market, it is recommended that you know what are the main characteristics that a good signal provider should have, so that, at the time of your choice, you are clear that you have selected one of the best systems. »Must send us information on the main currency pairs In this sense, one of the first things we have to comment on is that a good signal provider, at a minimum, must send us alerts that offer us information about the 6 main currencies, in this case, we refer to the euro, dollar, The pound, the yen, the Swiss franc, and the Canadian dollar. Of course, the data you provide us will be related to the pairs that make up all these currencies. Although we can also find systems that offer us information about other minorities, but as we have said, at a minimum, we must know these 6. »Trading tools to operate better Likewise, signal providers must also provide us with a large number of tools so that we can learn more about the Forex market. We refer, for example, to technical analysis above all, which will help us to develop our own strategies to be able to operate in this market. These analyzes are always prepared by professionals and study, mainly, the assets that we have available to invest. »Different Forex signals reception channels They must also make available to us different ways through which they will send us the Forex signals, the usual thing is that we can acquire them through the platform's website, or by a text message and even through our email. In addition, it is recommended that the signal system we choose sends us a large number of alerts throughout the day, in order to have a wide range of possibilities. »Free account and customer service Other aspects that we must take into account to choose a good signal provider is whether we have the option of receiving, for a limited time, alerts for free or the profitability of the signals they emit to us. Similarly, a final aspect that we must emphasize is that a good signal system must also have excellent customer service, which is available to us 24 hours a day and that we can contact them at through an email, a phone number, or a live chat, for greater immediacy. Well, having said all this, in our last section we are going to tell you which are the best services currently on the market. That is, the most suitable Forex signal platforms to be able to work with them and carry out good operations. In this case, we will talk about ForexPro Signals, 365 Signals and Binary Signals. Forex Signals Reddit: conclusion To be able to invest properly in the Forex market, it is convenient that we get a signal system that provides us with all the necessary information about this market. It must be remembered that Forex is a very volatile market and therefore, many movements tend to occur quickly. Asset prices can change in a matter of seconds, hence the importance of having a system that helps us analyze the market and thus know, what is the right time for us to start operating. Therefore, although there are currently many signal systems that can offer us good services, the three that we have mentioned above are the ones that are best valued by users, which is why they are the best signal providers that we can choose to carry out. our investments. Most of these alerts are quite profitable and in addition, these systems usually emit a large number of signals per day with full guarantees. For all this, SignalsForexPro, Signals365, or SignalsBinary are presented as fundamental tools so that we can obtain a greater number of benefits when we carry out our operations in the currency market. submitted by kayakero to makemoneyforexreddit [link] [comments] Bonds Trading! Predictable Source of Income… You’re not sure what tomorrow holds. Crazy events are just too many. The pandemic has paralyzed so many things already. Besides that, you’ve seen protests, weird things that come with the elections…name it. Right now, you know that to survive long-term, you need a predictable source of income fast. The great news is you can get started right away with bond trading, one of the safest ways to make money right now. And no, you don’t have to wait forever. You can get into the day bond trading market and keep earning daily from this lucrative venture. Why should you consider bonds as a predictable source of income for you? Bonds are less risky When you talk about markets, many people quickly think of the stock market. Others think of the forex markets. All these are huge markets but incredibly risky and volatile. In fact, there’s solid proof that most who get into the forex market fail. It mostly ends in premium tears. Enters the bond market management. This is the backbone of the economy and one of the safest ways to trade out there. Why? Government entities rarely default. In the United States, government bonds are considered risk free. So, even though the pandemic has ruined most things, the bond market still stands. And you can still make a lot of money from it. You can diversify Okay, there’s no risk, great! But should you put all your eggs in one basket? No. You don’t have to. Bond investing can be diversified. There are several types of bonds. These have different maturity terms. You can use this to minimize volatility and to ensure that your cash-flow is steady. I recommend day bond trading if you want to have a consistent and dependable source of income. I can actually teach you how to do this on my Bond Market Mastery course. On the other hand, you can also diversify and take up longer-term bonds for future ROI. Low profile but extremely important Do you love keeping a low profile? You’re tired of all the ads. You don’t want to keep promoting things on social media, blogs, calls, emails, or door to door to make a sale. In fact, you’re just looking for a way to quietly make money while you focus on other things that are important to you, like spending more time with your family. If this describes you, then the bond market is an excellent and predictable income source for you. Once you learn how to do it well, it can give you that freedom that you’ve really been looking for. A bond trading strategy is lower-profile but more important than even stock trading. You simply alter your portfolio considering the prevailing market conditions to maximize profit. Bonds are especially important since they affect the prevailing interest rates in an economy. In turn, this affects all sorts of lending and credit industries. Better than savings accounts Saving is crucial. Don’t spend all that you earn. However, pointless saving is useless. You’ll simply keep money in a bank waiting for a “rainy day”. And when that day comes, you use up all the money and remain broke. The best thing to do is to grow your money. Consider doing this by putting money on the bond market instead. And to even start day bond trading to give you additional income. We’ve already figured out that it carries little to no risk. What’s the best news about day bond trading? You can make money from it daily. In fact, with the right strategy, you can be making considerable amounts of cash in minutes. Bonds reduce your tax burden You don’t want to lose most of your money to tax. Yes, pay your taxes. However, if you find a way to reduce the burden, take it. That’s what rich people do. If you want to pay less in taxes, there are bonds that you can try out. As said, you should diversify your bond trading strategy. Day trading will pay your bills. Long-term trading will take care of your future. And tax-free bonds, such as municipal bonds at the federal or state level, will ease your tax burden. Stop being uncertain about your financial future Bond trading can change the game for you. It’s safe. It’s predictable. It’s lucrative. Ease the burden for yourself and your family by jumping into this profitable bandwagon. submitted by seotrader0 to u/seotrader0 [link] [comments] Everything You Always Wanted To Know About Swaps* (*But Were Afraid To Ask) Hello, dummies It's your old pal, Fuzzy. As I'm sure you've all noticed, a lot of the stuff that gets posted here is - to put it delicately - fucking ridiculous. More backwards-ass shit gets posted to wallstreetbets than you'd see on a Westboro Baptist community message board. I mean, I had a look at the daily thread yesterday and..... yeesh. I know, I know. We all make like the divine Laura Dern circa 1992 on the daily and stick our hands deep into this steaming heap of shit to find the nuggets of valuable and/or hilarious information within (thanks for reading, BTW). I agree. I love it just the way it is too. That's what makes WSB great. What I'm getting at is that a lot of the stuff that gets posted here - notwithstanding it being funny or interesting - is just... wrong. Like, fucking your cousin wrong. And to be clear, I mean the fucking your *first* cousin kinda wrong, before my Southerners in the back get all het up (simmer down, Billy Ray - I know Mabel's twice removed on your grand-sister's side). Truly, I try to let it slide. I do my bit to try and put you on the right path. Most of the time, I sleep easy no matter how badly I've seen someone explain what a bank liquidity crisis is. But out of all of those tens of thousands of misguided, autistic attempts at understanding the world of high finance, one thing gets so consistently - so *emphatically* - fucked up and misunderstood by you retards that last night I felt obligated at the end of a long work day to pull together this edition of Finance with Fuzzy just for you. It's so serious I'm not even going to make a u/pokimane gag. Have you guessed what it is yet? Here's a clue. It's in the title of the post. That's right, friends. Today in the neighborhood we're going to talk all about hedging in financial markets - spots, swaps, collars, forwards, CDS, synthetic CDOs, all that fun shit. Don't worry; I'm going to explain what all the scary words mean and how they impact your OTM RH positions along the way. We're going to break it down like this. (1) "What's a hedge, Fuzzy?" (2) Common Hedging Strategies and (3) All About ISDAs and Credit Default Swaps. Before we begin. For the nerds and JV traders in the back (and anyone else who needs to hear this up front) - I am simplifying these descriptions for the purposes of this post. I am also obviously not going to try and cover every exotic form of hedge under the sun or give a detailed summation of what caused the financial crisis. If you are interested in something specific ask a question, but don't try and impress me with your Investopedia skills or technical points I didn't cover; I will just be forced to flex my years of IRL experience on you in the comments and you'll look like a big dummy. TL;DR? Fuck you. There is no TL;DR. You've come this far already. What's a few more paragraphs? Put down the Cheetos and try to concentrate for the next 5-7 minutes. You'll learn something, and I promise I'll be gentle. Ready? Let's get started. 1. The Tao of Risk: Hedging as a Way of Life The simplest way to characterize what a hedge 'is' is to imagine every action having a binary outcome. One is bad, one is good. Red lines, green lines; uppie, downie. With me so far? Good. A 'hedge' is simply the employment of a strategy to mitigate the effect of your action having the wrong binary outcome. You wanted X, but you got Z! Frowny face. A hedge strategy introduces a third outcome. If you hedged against the possibility of Z happening, then you can wind up with Y instead. Not as good as X, but not as bad as Z. The technical definition I like to give my idiot juniors is as follows: Utilization of a defensive strategy to mitigate risk, at a fraction of the cost to capital of the risk itself. Congratulations. You just finished Hedging 101. "But Fuzzy, that's easy! I just sold a naked call against my 95% OTM put! I'm adequately hedged!". Spoiler alert: you're not (although good work on executing a collar, which I describe below). What I'm talking about here is what would be referred to as a 'perfect hedge'; a binary outcome where downside is totally mitigated by a risk management strategy. That's not how it works IRL. Pay attention; this is the tricky part. You can't take a single position and conclude that you're adequately hedged because risks are fluid, not static. So you need to constantly adjust your position in order to maximize the value of the hedge and insure your position. You also need to consider exposure to more than one category of risk. There are micro (specific exposure) risks, and macro (trend exposure) risks, and both need to factor into the hedge calculus. That's why, in the real world, the value of hedging depends entirely on the design of the hedging strategy itself. Here, when we say "value" of the hedge, we're not talking about cash money - we're talking about the intrinsic value of the hedge relative to the the risk profile of your underlying exposure. To achieve this, people hedge dynamically. In wallstreetbets terms, this means that as the value of your position changes, you need to change your hedges too. The idea is to efficiently and continuously distribute and rebalance risk across different states and periods, taking value from states in which the marginal cost of the hedge is low and putting it back into states where marginal cost of the hedge is high, until the shadow value of your underlying exposure is equalized across your positions. The punchline, I guess, is that one static position is a hedge in the same way that the finger paintings you make for your wife's boyfriend are art - it's technically correct, but you're only playing yourself by believing it. Anyway. Obviously doing this as a small potatoes trader is hard but it's worth taking into account. Enough basic shit. So how does this work in markets? 2. A Hedging Taxonomy The best place to start here is a practical question. What does a business need to hedge against? Think about the specific risk that an individual business faces. These are legion, so I'm just going to list a few of the key ones that apply to most corporates. (1) You have commodity risk for the shit you buy or the shit you use. (2) You have currency risk for the money you borrow. (3) You have rate risk on the debt you carry. (4) You have offtake risk for the shit you sell. Complicated, right? To help address the many and varied ways that shit can go wrong in a sophisticated market, smart operators like yours truly have devised a whole bundle of different instruments which can help you manage the risk. I might write about some of the more complicated ones in a later post if people are interested (CDO/CLOs, strip/stack hedges and bond swaps with option toggles come to mind) but let's stick to the basics for now. (i) Swaps A swap is one of the most common forms of hedge instrument, and they're used by pretty much everyone that can afford them. The language is complicated but the concept isn't, so pay attention and you'll be fine. This is the most important part of this section so it'll be the longest one. Swaps are derivative contracts with two counterparties (before you ask, you can't trade 'em on an exchange - they're OTC instruments only). They're used to exchange one cash flow for another cash flow of equal expected value; doing this allows you to take speculative positions on certain financial prices or to alter the cash flows of existing assets or liabilities within a business. "Wait, Fuzz; slow down! What do you mean sets of cash flows?". Fear not, little autist. Ol' Fuzz has you covered. The cash flows I'm talking about are referred to in swap-land as 'legs'. One leg is fixed - a set payment that's the same every time it gets paid - and the other is variable - it fluctuates (typically indexed off the price of the underlying risk that you are speculating on / protecting against). You set it up at the start so that they're notionally equal and the two legs net off; so at open, the swap is a zero NPV instrument. Here's where the fun starts. If the price that you based the variable leg of the swap on changes, the value of the swap will shift; the party on the wrong side of the move ponies up via the variable payment. It's a zero sum game. I'll give you an example using the most vanilla swap around; an interest rate trade. Here's how it works. You borrow money from a bank, and they charge you a rate of interest. You lock the rate up front, because you're smart like that. But then - quelle surprise! - the rate gets better after you borrow. Now you're bagholding to the tune of, I don't know, 5 bps. Doesn't sound like much but on a billion dollar loan that's a lot of money (a classic example of the kind of 'small, deep hole' that's terrible for profits). Now, if you had a swap contract on the rate before you entered the trade, you're set; if the rate goes down, you get a payment under the swap. If it goes up, whatever payment you're making to the bank is netted off by the fact that you're borrowing at a sub-market rate. Win-win! Or, at least, Lose Less / Lose Less. That's the name of the game in hedging. There are many different kinds of swaps, some of which are pretty exotic; but they're all different variations on the same theme. If your business has exposure to something which fluctuates in price, you trade swaps to hedge against the fluctuation. The valuation of swaps is also super interesting but I guarantee you that 99% of you won't understand it so I'm not going to try and explain it here although I encourage you to google it if you're interested. Because they're OTC, none of them are filed publicly. Someeeeeetimes you see an ISDA (dsicussed below) but the confirms themselves (the individual swaps) are not filed. You can usually read about the hedging strategy in a 10-K, though. For what it's worth, most modern credit agreements ban speculative hedging. Top tip: This is occasionally something worth checking in credit agreements when you invest in businesses that are debt issuers - being able to do this increases the risk profile significantly and is particularly important in times of economic volatility (ctrl+f "non-speculative" in the credit agreement to be sure). (ii) Forwards A forward is a contract made today for the future delivery of an asset at a pre-agreed price. That's it. "But Fuzzy! That sounds just like a futures contract!". I know. Confusing, right? Just like a futures trade, forwards are generally used in commodity or forex land to protect against price fluctuations. The differences between forwards and futures are small but significant. I'm not going to go into super boring detail because I don't think many of you are commodities traders but it is still an important thing to understand even if you're just an RH jockey, so stick with me. Just like swaps, forwards are OTC contracts - they're not publicly traded. This is distinct from futures, which are traded on exchanges (see The Ballad Of Big Dick Vick for some more color on this). In a forward, no money changes hands until the maturity date of the contract when delivery and receipt are carried out; price and quantity are locked in from day 1. As you now know having read about BDV, futures are marked to market daily, and normally people close them out with synthetic settlement using an inverse position. They're also liquid, and that makes them easier to unwind or close out in case shit goes sideways. People use forwards when they absolutely have to get rid of the thing they made (or take delivery of the thing they need). If you're a miner, or a farmer, you use this shit to make sure that at the end of the production cycle, you can get rid of the shit you made (and you won't get fucked by someone taking cash settlement over delivery). If you're a buyer, you use them to guarantee that you'll get whatever the shit is that you'll need at a price agreed in advance. Because they're OTC, you can also exactly tailor them to the requirements of your particular circumstances. These contracts are incredibly byzantine (and there are even crazier synthetic forwards you can see in money markets for the true degenerate fund managers). In my experience, only Texan oilfield magnates, commodities traders, and the weirdo forex crowd fuck with them. I (i) do not own a 10 gallon hat or a novelty size belt buckle (ii) do not wake up in the middle of the night freaking out about the price of pork fat and (iii) love greenbacks too much to care about other countries' monopoly money, so I don't fuck with them. (iii) Collars No, not the kind your wife is encouraging you to wear try out to 'spice things up' in the bedroom during quarantine. Collars are actually the hedging strategy most applicable to WSB. Collars deal with options! Hooray! To execute a basic collar (also called a wrapper by tea-drinking Brits and people from the Antipodes), you buy an out of the money put while simultaneously writing a covered call on the same equity. The put protects your position against price drops and writing the call produces income that offsets the put premium. Doing this limits your tendies (you can only profit up to the strike price of the call) but also writes down your risk. If you screen large volume trades with a VOL/OI of more than 3 or 4x (and they're not bullshit biotech stocks), you can sometimes see these being constructed in real time as hedge funds protect themselves on their shorts. (3) All About ISDAs, CDS and Synthetic CDOs You may have heard about the mythical ISDA. Much like an indenture (discussed in my post on $F), it's a magic legal machine that lets you build swaps via trade confirms with a willing counterparty. They are very complicated legal documents and you need to be a true expert to fuck with them. Fortunately, I am, so I do. They're made of two parts; a Master (which is a form agreement that's always the same) and a Schedule (which amends the Master to include your specific terms). They are also the engine behind just about every major credit crunch of the last 10+ years. First - a brief explainer. An ISDA is a not in and of itself a hedge - it's an umbrella contract that governs the terms of your swaps, which you use to construct your hedge position. You can trade commodities, forex, rates, whatever, all under the same ISDA. Let me explain. Remember when we talked about swaps? Right. So. You can trade swaps on just about anything. In the late 90s and early 2000s, people had the smart idea of using other people's debt and or credit ratings as the variable leg of swap documentation. These are called credit default swaps. I was actually starting out at a bank during this time and, I gotta tell you, the only thing I can compare people's enthusiasm for this shit to was that moment in your early teens when you discover jerking off. Except, unlike your bathroom bound shame sessions to Mom's Sears catalogue, every single person you know felt that way too; and they're all doing it at once. It was a fiscal circlejerk of epic proportions, and the financial crisis was the inevitable bukkake finish. WSB autism is absolutely no comparison for the enthusiasm people had during this time for lighting each other's money on fire. Here's how it works. You pick a company. Any company. Maybe even your own! And then you write a swap. In the swap, you define "Credit Event" with respect to that company's debt as the variable leg . And you write in... whatever you want. A ratings downgrade, default under the docs, failure to meet a leverage ratio or FCCR for a certain testing period... whatever. Now, this started out as a hedge position, just like we discussed above. The purest of intentions, of course. But then people realized - if bad shit happens, you make money. And banks... don't like calling in loans or forcing bankruptcies. Can you smell what the moral hazard is cooking? Enter synthetic CDOs. CDOs are basically pools of asset backed securities that invest in debt (loans or bonds). They've been around for a minute but they got famous in the 2000s because a shitload of them containing subprime mortgage debt went belly up in 2008. This got a lot of publicity because a lot of sad looking rednecks got foreclosed on and were interviewed on CNBC. "OH!", the people cried. "Look at those big bad bankers buying up subprime loans! They caused this!". Wrong answer, America. The debt wasn't the problem. What a lot of people don't realize is that the real meat of the problem was not in regular way CDOs investing in bundles of shit mortgage debts in synthetic CDOs investing in CDS predicated on that debt. They're synthetic because they don't have a stake in the actual underlying debt; just the instruments riding on the coattails. The reason these are so popular (and remain so) is that smart structured attorneys and bankers like your faithful correspondent realized that an even more profitable and efficient way of building high yield products with limited downside was investing in instruments that profit from failure of debt and in instruments that rely on that debt and then hedging that exposure with other CDS instruments in paired trades, and on and on up the chain. The problem with doing this was that everyone wound up exposed to everybody else's books as a result, and when one went tits up, everybody did. Hence, recession, Basel III, etc. Thanks, Obama. Heavy investment in CDS can also have a warping effect on the price of debt (something else that happened during the pre-financial crisis years and is starting to happen again now). This happens in three different ways. (1) Investors who previously were long on the debt hedge their position by selling CDS protection on the underlying, putting downward pressure on the debt price. (2) Investors who previously shorted the debt switch to buying CDS protection because the relatively illiquid debt (partic. when its a bond) trades at a discount below par compared to the CDS. The resulting reduction in short selling puts upward pressure on the bond price. (3) The delta in price and actual value of the debt tempts some investors to become NBTs (neg basis traders) who long the debt and purchase CDS protection. If traders can't take leverage, nothing happens to the price of the debt. If basis traders can take leverage (which is nearly always the case because they're holding a hedged position), they can push up or depress the debt price, goosing swap premiums etc. Anyway. Enough technical details. I could keep going. This is a fascinating topic that is very poorly understood and explained, mainly because the people that caused it all still work on the street and use the same tactics today (it's also terribly taught at business schools because none of the teachers were actually around to see how this played out live). But it relates to the topic of today's lesson, so I thought I'd include it here. Work depending, I'll be back next week with a covenant breakdown. Most upvoted ticker gets the post. *EDIT 1\* In a total blowout, $PLAY won. So it's D&B time next week. Post will drop Monday at market open. submitted by fuzzyblankeet to wallstreetbets [link] [comments] The short answer is yes, Forex trading is profitable. The slightly longer answer is yes, trading in the Forex market is profitable but chances are you won’t make any money. How do I know trading Forex can be profitable? Because I’ve been swing trading Forex since 2008 and make money. Become a Profitable Trader isn't easy, it takes patience, concentration, time, energy, and most importantly, a lot of commitment is required. Read more. In a very short time, most new traders are trying to make huge profits. First-year of currency trading is mostly about learning how to deal with Forex market trading. There are valuable trading lessons to be learned when it comes to the Forex ... Forex trading does not involve paying commissions, exchange fees, clearing fees, or brokerage fees (since forex has no middlemen). Brokers hang on bid/ask spread. You do your trading straight away with the market controlling the prices of currency pairs. Forex also does need big money for you to trade and make money. The absence of the above restrictions only helps you to make more money on forex. This is one of the best things about the Forex market, as you can easily not only purchase the assets, but sell them without owning them. Of course, if profitable Forex trading was that easy, there would be millions of online traders making large sums of money every day. In fact, the situation is quite the opposite. Most Forex traders actually lose money, and it is quite a challenge to start ... Forex vs Stock market. In order to better understand which of the two is better, let us first recap what these two markets are all about. Let's start with the stock market, as people are typically more familiar with it. The stock market, naturally, trades stocks, or shares. Stocks are financial instruments that represent ownership in a company. Apart from that, they also represent a ... Forex vs Stocks. Opportunity: In the Forex market, you can trade 24/5 and the stock market is only open 8 hours a day and 5 days a week. If you trade Forex, this is a great advantage for you because you can hold a trade overnight in the Forex market without worrying about a huge gap in the morning, which can and does happen in the stock market. I’m sure this is the most common question by the new traders! There is a reason behind the popularity of this viral question! Actually, more than 90% retail traders are the losers; and a number of them are very much active on the Social Media like... [index] [14355] [8467] [5858] [18613] [18055] [18386] [29392] [14153] [12939] [1520] FOREX vs STOCK Market! Which one is BETTER and WHY?! - YouTube My Recommended Brokers Are👇 No.1 Broker--- https://www.xm.com/gw.php?gid=146648 No.2 Broker--- https://www.exness.com/a/t35jm35j -----... Proof = Profit Training Event - https://thetradingchannel.org/vsl Pro Trader Report - https://protraderreport.com/ptr EAP Training Program - https://thetradi... Forex Megadroid robot is becoming more popular with traders in the foreign exchange market. However, it is important to get the facts and make an informed decision about whether this robot is the ... Learn our Other Scalping Strategy: https://bit.ly/2xol8aS In this video, I will walk you through a simple forex scalping strategy I've been using successfull... Join our Trading Room where we discuss All Things Forex on a daily basis: https://bit.ly/2PLwUmj Forex vs Stock market - which one is better and why? Let's d... So Forex is not a scam, but it is a hard market to trade in. Don’t forget to comment below if you have any questions for me, I always try to answer all your question. Trend trading is one of the most popular trading methods in the world today. In this video Navin Prithyani will go over what exactly a trend is an how us, a ... Is Forex Trading a Scam? http://www.financial-spread-betting.com/forex/forex-trading.html PLEASE LIKE AND SHARE THIS VIDEO SO WE CAN DO MORE! I sometimes get... Autoplay is paused. You're signed out. Videos you watch may be added to the TV's watch history and influence TV recommendations. To avoid this, cancel and sign in to YouTube on your computer ... Learn my other profitable strategies: https://bit.ly/2xpgWqMIn this video, I will walk you through a simple forex trend-following strategy that I've been tradin...

The granite, whose name derives from the Latin “Granum” (grain) for its structure holocrystalline, is a felsic intrusive igneous rock. Its composition more or less coarse can occasionally present megacrysts. Unlike other natural stones, in ancient times the granite was not widely used probably for its technical properties that make it one of the hardest materials in the market. Today, however, thanks to modern machines and instrumentations, this rock is used both in a large scale for important intervenctions, both for small operations. Tough and ductile at the same time, it turns into many different formats adaptable to all situations. Its strength is its toughness that makes it one of the best materials for the outdoor flooring because it allows to realize quality projects, ensuring their durability. Granite is a stone composed of minerals such as quartz, orthoclase (potassium feldspar), mica, which also determine the particular color, but also the different textures available. In particular, thanks to the quartz, this material is characterized by a gloss that does not pass unnoticed. Moreover, thanks to special anti-stain treatments to counteract the porosity, the granite is one of the materials most resistant to corrosion in the trade, so as to maintain its brilliance and its color, which variation depending on the mineral composition. Petra srl ​​offers granite in different sizes, colors and possible achievements to meet the needs of all its customers. Come to visit us at one of our stores. Go Back Copyright 2015 - PETRA srl- P.I. 02754070163 Vendita porfido Travertino Romano Privacy policy Credits The cookie settings on this website are set to "allow cookies" to give you the best browsing experience possible. If you continue to use this website without changing your cookie settings or you click "Accept" below then you are consenting to this. More informations Accept The cookie settings on this website are set to "allow cookies" to give you the best browsing experience possible. If you continue to use this website without changing your cookie settings or you click "Accept" below then you are consenting to this.

Addressing perceived injustice and giving us metaphors to understand suffering and redemption is some of the work modern fiction can do. Two recent novels that work to do this are Suzette Haden Elgin’s Native Tongue and Nell Zink's Doxology. While these novels are widely divergent in theme, tone, and style, both strive to address aspects of the modern world and limitations within women's roles within American society and both feature strong female characters who ultimately carry the narrative. Elgin’s classic feminist trilogy (recently re-released by Feminist Press), takes place in a (not so far-fetched) dystopian future where the 19th Amendment has been repealed and women are classed as legal minors with no rights of their own. Often, these women live lives of drudgery, forced marriage and reproduction, and verbal and physical abuse. The first novel in Elgin's trilogy, “Native Tongue,” is a highly readable introduction to Elgin’s world. There are decided commonalities between Elgin’s Fundamentalist Christian misogynist dystopia (where a specialist “race” of linguists breeds their women to exhaustion) and Margaret Atwood’s better known The Handmaid’s Tale. Elgin’s work focuses somewhat less on sex and reproduction as a basis for gender-based oppression and more on the freeing possibilities that lie within language. A group of “Lingoes” (slang for Linguists) women are secretly creating their own language. Living in the Barren Houses, where all women past childbearing age are sent, these women have not only created a safe community that supports them within the broader oppression of Linguist (and American) life, they are also doing work that speaks directly to central ideas of identity-building. In a world that devalues women’s intelligence, abilities, and sees them only as translators of “Alien Languages,” vessels for breeding children, objects for sex, or live-in maids, these women have forged their own identities in a language that will grow and live beyond and outside of their limited sphere; a language inaccessible and beyond the scope of male understanding. Language is central to the novel (and trilogy) and to Elgin’s world because Linguists hold the key to communicating with various “Alien Intelligences.” In an economy dependent on interplanetary trade, only Linguists can communicate with trade delegations giving the Linguist families power that both the government and average citizens resent. That Elgin is writing in the early 1980s and in the shadow of the failed E.R.A. campaign, is clear in some of her terminology including references to the Women’s Liberation Movement (a term that has now come to refer specifically to a segment of 1970s feminist activism) and also her focus on a world structured around binary gender-based oppression and how that oppression is often enacted through gender-based language. Elgin was a fan of Cheris Kramarae’s Women and Men Speaking (1981), a theoretical work that builds on foundations laid by Hélèn Cixous and Luce Irigaray. Like Kramarae, Elgin believed that women were oppressed by the very words they speak and in need of a language outside of the standard world's languages. For Elgin, the trilogy was not just a revolutionary sci-fi novel but also a thought experiment and a revolutionary gesture: she created learning materials to aid any women interested in learning her created language (Láadan) and she hoped women would be inspired to forge a new way of speaking. Each chapter in Native Tongue begins with an epigraph of text from a fictional historic source. These epigraphs help world-build and also create a clear history of the rise of the misogynist society that exists in the present day of the novel. While there is a lot of world-building and feminist-rhetorical work done in the novel, it’s important to note that it’s also a very engaging read. Many of the scenes are between the major male characters (shady government officials, male leaders of the Linguists) and there are some very compelling side narratives including stolen babies, homicidal housewives, family power struggles, and “racial” tensions between non-Linguist and Linguist populations. As engrossing as any well-written genre novel, “Native Tongue” entertains while it also shocks and illustrates the depths of oppression these women are forced to live under. But aside from all of this, Elgin’s genius resides in her ability to create compelling and memorable characters: the reader wants these women to survive, to succeed in their rebellions, and when terrible things transpire, it’s deeply upsetting. These characters will stay with the reader long after the last page—their lives, their joys and nearly unendurable suffering helping to humanize the deeply relevant and compelling feminist themes in the novel. Central to the narratives in both Native Tongue and Nell Zink’s Doxology, is the life story of a young woman. In Native Tongue, it's the story of Nazareth, a highly precocious and talented daughter of the head of the Linguist clans. Forced to marry at a very young age, Nazareth finds solace in language and the companionship of other women. Her husband is physically and verbally abusive in a culture where no one will step in to protect her. When she experiences kindness from a male translator, she falls in love with him—only to be publicly humiliated. Eventually she contracts breast and uterine cancer and requests to be sent to the Barren House. Here she provides the impetus to a quiet language-based revolution. Where her life story could serve as a deeply upsetting example of the horrors of a world where women have no rights, her suffering instead leads to redemption and revolution. In Doxology, Zink tells the story of two white “’80s hipsters,” their eventually famous rock musician friend, and their daughter. While the first half of the novel focuses on the 1980s through 9/11, the adventures of Pam and David and their friend Joe Harris (who is reminiscent of a sort of Kurt Cobain-Daniel Johnston mix with a little Jeff Buckley sexiness thrown in), the second half of the novel is far more interesting. Pam and David have a daughter, Flora, somewhat by accident and she becomes the heart of the novel. Raised in New York's still gritty Lower East Side with Joe as her babysitter, Flora is bright, ethically inclined and poised to save the world; or at least to save her parents from themselves. But things take a dark turn when Joe dies a predictable heroin death—blamed by Pam and David on his cartoonish girlfriend Gwen (who comes off as a caricatured mix of Courtney Love and Kate Moss). Because Joe dies on 9/11 his death isn't discovered by Pam and David for days after they have already left New York. They have the resources to take Flora and leave town to escape to the idyllic Cleveland Park (a tony suburb of Washington, D.C.) to stay with Pam’s upper middle-class parents. There Flora discovers suburban life (clean sidewalks, a yard, trees, sky, etc.) and the decision is made to leave her with Pam’s parents where she can attend a good private school away from New York City. Eventually Flora goes to college where she has affairs with a professor or two and decides she wants to help save the planet. Travelling to intern with an NGO, she discovers the dark side of this work and begins to drift. She returns to her grandparents, joins the Green Party, thinks about grad school and ends up sleeping with an aging lobbyist (Democrat) who helps her land a job on the Jill Stein campaign. Until she gives up on grad school, her dreams, and herself, Flora truly is a compelling character but by the end of the novel, she's made the same poor decisions her mother made and while we love her and want her to be happy, it's hard to keep rooting for a girl whose lack of self-care is almost a mimic of her mother's. There are deep and compelling moments throughout Doxology but there are also deeply troubling moments—Pam and David and Joe seem to live in a Lower East Side that is largely (and inaccurately) white but the “’80s hipster" is described as not capable of gentrification (a stance that is never clearly explained). Pam is an alcoholic and doesn't use birth control so it's no surprise when she gets pregnant; David's reaction is sweetly supportive and romantic and we like him just a little bit more. But for Flora to repeat the same behavior (sans alcohol) is surprising—a young feminist woman who doesn't use birth control is surprising, a young feminist environmentalist who would rather eat steak at Peter Luger's with her middle-aged lobbyist boyfriend than follow her dreams and go to grad school seems hugely out of character. But this novel is still a good albeit somewhat madcap and maddening read: the sagging downtown loft, the weird keyboard art-rock, the evil record company executive and equally evil groupie-girlfriend, Pam as high school dropout, Ian Mackaye obsessed drunk DC punk who chances into wild success as a coder in Manhattan, the middle class white flight from NYC post-9/11, all of these are elements that make this an entertaining book. Zink works to illustrate the suffering of individual grief overshadowed by the city-wide grieving post-9/11 and she does try to give her characters a little redemption: the love between Joe and young Flora and Flora and her father are stand-out moments in the book. We want Flora to be happy just as we wish Joe could have survived. We want Flora to be the beacon of hope at the end of the novel that she often is from the time she first appears in Pam and David's world. We want there to be some kind of redemption for these people and, by extension, for all of us. But Trump is elected and Flora (and everyone around her) collapses into a sort of fugue state of denial. Perhaps the central flaw in the novel is that throughout there is an overwhelming cynicism that cuts through joy and hope and leaves us wondering, did these people—did we—learn nothing on 9/11? For those of us who either could not or would not leave the city in the days after, there may be some critique of those who, like Pam and David, had the means and desire to get out. That David returns to the city to try to cope with Joe's death speaks to a level of courage but it's not enough. And that Flora is left with so little of her desired future to hope for speaks both to the limitations Trump's America imposes on women and also to a failure on Flora's part to demand more. In Native Tongue, Elgin strives to create a language for women in an effort to move past oppression into a hopeful future; in Doxology, Zink provides moments of transcendence but there is no true “doxology,” no hymn of praise present here, save the individual moments of love between Flora and her father. Perhaps that’s all we can hope for in Trump’s America: redemption through the recognition of individual love and not hope for a broader redemption through the revolution from oppression Elgin and others so hoped for. Contributor Yvonne C. Garrett Yvonne C. Garrett holds an MLIS, an MFA-Fiction, two MAs (NYU), and a Ph.D. with a dissertation focused on women in Punk. She’s been published in a wide array of journals & magazines & has published five poetry chapbooks. Senior Fiction Editor at Black Lawrence Press, she also edits the weekly publishing newsletter Sapling.

Admins and managers have the option to hide unnecessary locations from view in Sling. Adjusting this setting will affect all users who are active on the account; this feature is now a global setting option. Using this setting will streamline your view and reduce clutter. It will also remove any details about that location from any of the information you access through your login. In order to complete the steps outlined here, you must login to the web version of Sling. To remove a location from view, go to Dashboard > Locations and click the location name in the list. On the next screen, click the Settings tab. Scroll down to the bottom of the page. If you hover over the i next to "Hide from the schedule," there is a tool tip that lets you know that this function is now global for all users on the account. To hide the location in Sling, click the toggle to enable it (enabled options show in blue), then click Save. The location will then be shown in the list with this icon to let you know it's hidden from your view. It will also not be shown when you visit the schedule page until you elect to un-hide it using the same steps. Helpful links Want to remove a location from the account entirely? You'll need to archive a location first before you can access the option to delete it entirely, and you can find details about those steps here.

Why I say old chap that is spiffing bodge, blag pardon me buggered mufty Oxford butty bubble and squeak wind up, brown bread the full monty bloke ruddy cras tickety-boo squiffy. Starkers dropped a clanger lurgy is cack excuse my French what a plonker blower.! Wuth instant data to keep everyone in the know Why I say old chap that is spiffing bodge, blag pardon me buggered mufty Oxford butty bubble and squeak wind up, brown bread the full monty bloke ruddy cras tickety-boo squiffy. Starkers dropped a clanger lurgy is cack excuse my French what a plonker blower.! Volutpat vel explicabo porttitor dolorem corporis facilisi Why I say old chap that is spiffing bodge, blag pardon me buggered mufty Oxford butty bubble and squeak wind up, brown bread the full monty bloke ruddy cras tickety-boo squiffy. Starkers dropped a clanger lurgy is cack excuse my French what a plonker blower.! Feugiat imperdiet fugiat accumsan consect etuer Why I say old chap that is spiffing bodge, blag pardon me buggered mufty Oxford butty bubble and squeak wind up, brown bread the full monty bloke ruddy cras tickety-boo squiffy. Starkers dropped a clanger lurgy is cack excuse my French what a plonker blower.! Get in Touch Pariatur felis voluptate quisque illo, condimentum nemo Why I say old chap that is spiffing bodge, blag pardon me buggered mufty Oxford butty bubble and squeak wind up, brown bread the full monty bloke ruddy cras tickety-boo squiffy. Starkers dropped a clanger lurgy is cack excuse my French what a plonker blower.!

PNMAA students did well in their first ever international competition last month! We had three competitors and they all received medals in their respective categories: Jonah E. competed in ChangQuan and GunShu; Rowan H. competed in Kung Fu Short Weapons and Jenna D. competed in Taichi Yang 24 as well… Continue reading J. Shea September 15, 2019 September 15, 2019 Uncategorized Bruce Lee, Chinese martial arts, competition, Edmonds Community College, Kung Fu, kung fu near me, martial arts, PNMAA, Seattle International Martial Arts Championship, Sifu Li, SIMAC, tai chi, Taichi, taiji, TianYuan Li, Wushu 5th Seattle Int’l Martial Arts Championship Coming August 18, 2019! The largest martial arts competition in Washington State returns this summer! Competition categories include: Wushu & Traditional Kung Fu, Tai Chi and Push Hands, Kung Fu Sparring, Taekwondo & Kali! Please check out the official website for registration, rules and ticket info: www.simac.us. The venue will be at Edmonds Community… Continue reading J. Shea May 7, 2019 May 7, 2019 Uncategorized Bruce Lee, Chinese martial arts, competition, Edmonds Community College, kali, Kung Fu, kung fu near me, martial arts, martial arts near me, nunchucks, Pacific Northwest Martial Arts Academy, PNMAA, push hands, Seattle, Seattle International Martial Arts Championship, SIMAC, taekwondo, Wushu, wushu/kung fu Introducing Nunchucks (Nunchaku) University! Due to the popularity of our Wushu Belt Students learning Nunchucks, PNMAA is adding a special Nunchucks curriculum! This will be in addition to learning and earning Wushu Belts. Each level will have skills that will be taught and mastered before advancing to higher level skills! Look for more updates… Continue reading J. Shea February 14, 2019 February 17, 2020 Uncategorized Bruce Lee, Chinese martial arts, Kung Fu, martial arts, Martial Arts classes, martial arts instruction, nunchaku, nunchuck, nunchucks, Pacific Northwest Martial Arts Academy, PNMAA, students, Wushu, wushu belt class, wushu/kung fu PNMAA 2018-2019 Class Updates Starting Monday, October 1st PNMAA classes: Taichi–Yang Style (ages 18 & up) Mondays 4:00 – 5:00pm Wushu/Kung Fu Beginners Class (ages 7 & up) Mondays 5:00 – 6:00pm Taichi Fan Class (special permission only) … Continue reading J. Shea September 23, 2018 November 13, 2018 Uncategorized Burlington, Burlington WA, Chinese martial arts, Ground Zero Gymnastics, gymnastics, indoor parkour, Jeannette Shea, kids, kids classes, Kung Fu, martial arts, Mount Vernon, Mt. Baker Gymnastics, Mt. Vernon, Pacific Northwest Martial Arts Academy, Parkour, PNMAA, self-defense, Skagit County, Stephanie Shea, tai chi, Taichi, taiji, tumbling, Wushu, wushu/kung fu PNMAA is looking for a new location… Sadly, our downtown Mount Vernon location is not available for lease and PNMAA is looking for a new business location. If you have any leads, let us know! We need a space of at least 1,800 square feet with at least 14′ high ceilings (no low hanging electrical or… Continue reading J. Shea August 8, 2018 August 8, 2018 Uncategorized Kung Fu, Pacific Northwest Martial Arts Academy, PNMAA, self-defense, Taichi, taiji, women's self-defense, Wushu, wushu/kung fu Deluxe Summer Camps at PNMAA for 2018 It’s time to start thinking about registering your child for one (or more) of our Deluxe Summer Camps at PNMAA! What is a Deluxe Summer Camp? It’s a week-long experience for your child that includes all of our programs offered at PNMAA: Indoor Parkour, Gymnastics, Wushu/Kung Fu, & Self-Defense! Please… Continue reading J. Shea April 30, 2018 April 30, 2018 Uncategorized Anacortes, Arlington, Bayview, Bellingham, Burlington, Chinese martial arts, freerunning, gymnastics, indoor parkour, Jeannette Shea, kids sports, Kids Summer Camps, Kung Fu, LaConner, Lyman, martial arts, Mount Vernon, mount vernon wa summer camps, Oak Harbor, Pacific Northwest Martial Arts Academy, Parkour, PNMAA, Sedro-Woolley, self-defense, Skagit County, Skagit Kid Insider, Stephanie Shea, Summer Camps, summer camps for kids, summer camps near me, summer sports, tumbling, Wushu, wushu/kung fu Free Self-Defense Class! UPDATE: PNMAA’s next free Self-Defense class will be offered on Saturday, April 21st, from 1:30pm – 2:30pm. To reserve your space, please call or text Coach Jeannette at 360-630-1472. A huge thank you to attack survivor Kelly Herron for founding NTMF which helps spread the word about the… Continue reading J. Shea February 26, 2018 March 20, 2018 Uncategorized free class, Free Workshop, martial arts, Pacific Northwest Martial Arts Academy, PNMAA, self-defense, women, workshop Indoor Parkour Spring Break Camp We’re excited to offer an Indoor Parkour Spring Break Camp this April 2 – April 6th, 2018, at PNMAA! Starting at 9am and going to 1pm for ages 7 to 16, your child will learn Parkour basics such as vaults (Safety, Reverse Safety, Dash, Speed, Tic Tac, Turn,… Continue reading J. Shea February 9, 2018 March 20, 2018 Uncategorized indoor parkour, kids, kids camps, obstacle course, Pacific Northwest Martial Arts Academy, Parkour, PNMAA, Skagit Kid Insider, spring break Self-Defense Basic Classes Are Back! Self-Defense Basic classes are back on Thursdays for kids and adults! Don’t delay, come in today and learn how to protect yourself! Self-Defense Basics – Mental and physical preparation, risk assessment, avoidance, and simple techniques are emphasized in addition to specific tactics. Don’t be caught unaware! Arm yourself with… Continue reading J. Shea January 23, 2018 January 23, 2018 Uncategorized Adult classes, kids classes, Kung Fu, martial arts, PNMAA, self-defense, womens classes End-of-2017 Parkour Mini Camp! Saturday, December 30th, 2017, from 9am to 1pm, PNMAA is hosting it’s second Parkour Mini Camp for kids ages 4 to 16! Snacks and juice will be provided. Call 360-630-1472 to reserve your child’s spot for camp as space is limited. Bring a water bottle and wear sweatpants or…

IntroductionEarly Japanese ImmigrationWorld War II: Discrimination and InternmentWorld War II: Camps and Living Conditions World War II: Labour World War II: Canada's ShameNotable Japanese-Ontarians Marjorie Pigott, Artist David Tsubouchi, Member of Provincial Parliament Bev Oda, Member of Parliament Irene Uchida, Scientist Raymond Moriyama and Bruce Kuwabara, Architects Joy Kogawa, WriterMore ResourcesJapanese Internment in Ontario and its impact Further Reading SEDAI Video collection - oral histories of interneesAcademic article: The Ontario Farm Service Force, Small-Town Ontario and the Nisei (PDF) The majority of Ontario internees were men and women without families, who were sent to labour camps. Their work was as varied as: a nursery outside Mississauga, where they were paid 44 cents an hour (compared to white employees, who made 48) and were housed in a former manor house nearby worked for a variety of farms as day labourers while living in a central camp harvesting sugar beets near Glencoe camps for building roads in Northern Ontario 55 men living in a "roundhouse" in Chatham-Kent (where they built a Japanese bath and formed a baseball team) and picking apples, harvesting wheat, and clearing brush and landscaping in public parks There are few stories of rebellion and resistance by Japanese workers, but here's one: At one Niagara farm, Dick Ujiye, who had owned a dry cleaning business in Vancouver, was assigned to drive the fertilizer wagon. He decided that he was no farmer and talked with other Japanese Canadians about moving to the city. The conditions of the Japanese deportation from the B.C. coast, however, prohibited such a move. The RCMP sent an officer who spoke Japanese to check up on the Ujiye family because “they claimed that Dick was an agitator.” The policeman reported Ujiye to the farm owner and he was fired. Now he was in a position to move to Toronto. - Carmela Patrias, More Menial than Housemaids? Racialized and Gendered Labour in the Fruit and Vegetable Industry of Canada’s Niagara Region, 1880–1945 Men at work on the internment camp near Schreiber. Courtesy the Schreiber Public Library. [Learn More] Men at work on the internment camp near Schreiber. Courtesy the Schreiber Public Library. [Learn More] Left to right: Hama, Ono, Shimizu, Hoita, Tosa, Kuwabara, standing in a tobacco field. Courtesy the University of Windsor Leddy Library. [Learn More] Mas Baba in front of threshing equipment. Courtesy the University of Windsor Leddy Library. [Learn More] Yon Shimizu, the photographer, is a Japanese-Canadian who was exiled from the west coast of Canada to Ontario during the second World War. In 1942, he worked as a farm labourer with the Ontario Farm Service Force near Glencoe. Men at work on the internment camp near Schreiber. Courtesy the Schreiber Public Library. [Learn More]

You may search for a Senior Capstone course by selecting a THEME or TERM from the menu at the left. You may also search by entering a part of the title or the instructors name in the box below. For concise listings of all 2021-2022 Capstone offerings, review our Capstone Capsule. If you need assistance, contact the Capstone Office/University Studies at 503.725.5890. Please refer to the PSU Class Schedule regarding the days, hours, and meeting location. For information about when the new class schedule is available or when you can register for the new term, follow this link: When to Register. NOTE: Due to the intensive nature of Capstones, students must receive permission from the course instructor prior to the first day of class if they are going to miss the first class session. For on-line Capstones, students must demonstrate active participation during the first week of the term. All Capstone courses factor in student attendance and participation into the final grade which is deeply impacted by missing the first week of the term. NOTE: "Sustainability" tagged courses will NOT automatically count toward the Sustainability Minor. Students must seek approval from Joseph Maser, Ph.D. in the Environmental Science & Management department to count any Capstone toward that specific minor. SEARCH BY Title or Instructor: Enter a single word from the title of a Capstone, "gardens", "justice", "literacy", etc., the Course Registration Number (CRN), or a professor's first or last name in the box below. Gender & Violence Instructor Name: DeEtte Beghtol Waleed CRN: 14185 In the past few years we have been inundated with information about sexual assault and the efforts of women, girls, and gender nonconforming people to resist it. More people are aware of the size and seriousness of this problem. In addition to violence in our homes we are increasingly aware of transgender violence, Military Sexual Trauma and violence against women in prisons. Intimate partner violence and sexual assault become even more difficult when the victim is in a foreign country or... Fall 2019 Gender violence International Global Studies Political Science Research Psychology Sociology Conflict Law Criminal Justice Education

Massage therapy has been used for centuries in both Western and Eastern cultures. Using basic mechanical hand movements to help relieve pain, massage therapy helps to reduce stress and promote healing by improving circulation, deepening relaxation and providing an increased sense of physical awareness and emotional well being. It can also be effective in controlling chronic or acute pain. Therapeutic massage is used to help obtain relief from many specific problems including low back pain, migraines and muscle tension headaches, whiplash, and neck and shoulder tension to name a few. Your First Massage Is this your first massage experience? Don’t let your lack of knowledge or personal experience with massage therapy stop you from booking a session any longer. No matter your experience level, we assure you we will do whatever we can to make you feel comfortable and secure. If you are a little nervous, please don’t be. Call us with any questions you have, we are happy to discuss your concerns! During Your Massage Our therapists will discuss your concerns before starting your massage. This is the time to communicate your physical conditions and expectations for your massage. We want you to quiet your mind, slow your breathing and relax. Communicate immediately with us if you feel any discomfort. You may talk as little or as much as you like. What Our Clients Say About Us… I enjoy relaxing Massage. I’m 4.5 months pregnant and this is the first time I’ve been Massaged on my side. It was very different but I really enjoyed the experience. I’m glad to be a member of the Massage Club!” Stephanie C. I used to get headaches every month, then I started getting Massages every month and I do not get headaches anymore!” Rhonda B. Beneficial Effects of Massage Therapy Massage is the systemic manual application of pressure & movement to the soft tissue of the body, skin, tendons, ligaments and fascia. It encourages healing by promoting the flow of blood to lymph, relieving tension, stimulating nerves, and stretching/loosening muscles and connective tissue to keep them elastic. A few benefits of massage therapy are: Massage reduces waste products such as lactic acid and carbonic acid that build up in muscles causing cramping, discomfort and irritability. It enhances the immune system and aids in recovery by increasing blood circulation to that area. Massage acts as a mechanical cleanser by pushing along the lymph and quickening the elimination of wastes and debris. Massage improves muscle tone and helps prevent atrophy resulting from forced inactivity. Transverse Massage (a type of technique), separates muscle fibers, undoing and preventing the formation of adhesions. It stretches connective tissue and reduces the danger of fibroids. Massage can have a stimulating or exhausting effect, depending on the type and length of the massage treatment given. Massage heightens tissue metabolism. Massage improves the circulation of joints and quickens the elimination of harmful particles in the synovial fluid.

If you are planning a Canmore, Banff or any Canadian Rocky Mountain wedding, we would be happy to consult with you to help you customize your bridal bouquet and wedding flower and Canmore flower needs. "My bouquet was absolutely perfect! It was a joy to work with Elements on our wedding flowers!" -Bride, Amanda (UK) We have worked with hundreds of brides from all over the world to help them create their dream wedding flowers. Our team can bring you the experience, quality and design skills you need to create your own dream bouquet and flowers. VIEW OUR WORK Wedding Bouquets, Centrepieces & More At Elements Floral we specialize in wedding flowers for Rocky mountain weddings and can help you create your perfect bouquet, ceremony flowers, garland, centrepieces, altar arrangements, boutonnieres, floral crowns and more. We love finding and working with unique flowers and can create any style of bouquet or arrangement you need. We are also passionate and trained in the beautiful art of Dutch floral design. Whatever style or floral needs you may have, we can help create the wedding flowers you've been dreaming of.

After a successful Beta Test and First Official Launch, we’re glad to move on to our Second Official Launch! This coming August, we will be opening 5 more slots for all entrepreneurs that want to gain their precious time back. Our VArmy is rocking it and we all want more. We want to help out 5 more entrepreneurs to spend their time where it counts the most. Do you find yourself stressed out with the nitty gritty tasks that your business needs? Do you find yourself wishing someone else could do this and that for you? Do you find yourself not being able to focus on higher leverage tasks? Do you find yourself having a hard time taking good care of your customers? Do you find yourself unable to scale your business because you have no time to strategize? Do you find yourself not even having the time to hire someone? Do you find it hard to spend time with your family because there’s so much to do with your business? If you answered yes to any of these questions, I suggest you get your invite from us right now. Admit it, you need someone to help you out yesterday. You need a Michee. Imagine being able to have the free time to focus on what matters most. Imagine waking up to all these nitty gritty task already done. Imagine not worrying about stepping away from your computer for a day. We only have 5 slots. After this, we won’t be opening slots in the next few months. This is your chance to free up your plate.

Amanda Debes holds her 18-month-old daughter, Lucy Wechtler, who received her second Pfizer trial shot Wednesday. (Marvin Joseph/The Washington Post) Comment on this story Comment Gift Article Share This week, as coronavirus vaccinations for 12- to-15-year-olds began just in time for summer camp, and the Centers for Disease Control and Prevention said vaccinated people could gather indoors without masks, many parents of younger children were left to wonder: When is our turn? WpGet the full experience.Choose your planArrowRight Most will have to wait until at least fall and potentially early 2022 for a coronavirus vaccine to be available to the nation’s approximately 50 million children younger than 12. But for a handful of families, including several in the Washington area, the moment has already arrived. Pfizer is running a nationwide trial for children 6 months to 11 years old, with one of the sites at the Johns Hopkins Bloomberg School of Public Health in Baltimore. And Moderna is running a trial in the United States and Canada for kids in that age range with a site at the University of Maryland’s School of Medicine that includes locations in Baltimore and Frederick. As drug companies expand coronavirus vaccine access to children, officials are working to persuade people who are skeptical or unwilling to get vaccinated. (Video: Luis Velarde, Jonathan Baran, Erin Patrick O'Connor/The Washington Post, Photo: Erin Cox/The Washington Post) Both local trials have enrolled a small number of initial participants to receive lower doses — or in some cases, the same dose as adults — and be monitored for side effects and development of antibodies. The goal is to find the dosage sweet spot by not provoking too strong a reaction while giving children the highest level of protection. Advertisement So far, about two dozen area children are in the process of receiving two shots as part of the Pfizer study, which started in late March. In the Moderna study, 10 children received a first dose in late April or May and will get a second after four weeks. More children will be added as the trials progress. When Carrie Golitko, who has cared for colleagues with covid-19, learned her son and daughter — who are 10 and 8 — had been selected to participate in the Pfizer trial, she could not believe her luck. “I just started crying,” the Takoma Park, Md., pediatrician said. “I was so excited. It was just like a wave of relief washed over me.” Her children got shots on April 5 and April 26. Her son, Kellan Hayes, 10, said he experienced some temporary chills and a mild fever with brief hallucinations but the payoff was worth it. “I was like the most famous kid in the school,” he said. “Kids came up to me saying, ‘Is it true you got the covid-19 vaccine?’ My mom told us that we’re going to be a part of helping the world and we’re basically making history right now.” Investigators are scaling the dosing according to age. In the Moderna trial, some children 6 to 11 years old are starting at adult doses or given less; younger children are starting with lower doses. Pfizer is starting children with a third of a dose and scaling up, and then basing younger children’s doses on older children’s responses. The Pfizer vaccine approved last week for 12-to-15-year-olds is the same dose as for adults, but sometimes lower doses are equally effective in children because their immune systems may be more responsive. Advertisement Families in the trial monitor their children’s health and side effects, keeping e-diaries and returning to the sites for blood draws to measure antibody response. So far, aside from the expected sore arms and mild temporary symptoms, none of the Moderna participants have reported adverse effects, said James Campbell, principal investigator for the pediatric study for Moderna at the University of Maryland site. The principal investigator for the Pfizer study at the Johns Hopkins site, Kawsar Talaat, said she could not discuss results yet. The studies are likely to start moving to randomized control trials to measure efficacy by summer, with some children receiving placebos. Pfizer has said it anticipates having results from younger children’s trials as soon as September, but Talaat said the timing “depends on how long it takes to get all the samples and run the assays.” Campbell said randomized trials are projected to start in late summer and continue into winter, with Moderna shots probably becoming available for young children by early 2022. Vaccines for younger children could fall under the same emergency use authorization as the vaccines for older people, or they could require their own emergency use authorizations or receive full licenses. (Pfizer applied for a full license for its vaccine earlier this month.) Parents grapple with reality that young children won't be vaccinated soon After a year of missed school, play dates, sports and visits with grandparents, many families jumped at the chance to get younger children into trials — and back to normal life. Advertisement Amanda Debes’s children, who are 6, 4, and 18 months, started asking her about getting vaccinated in January, when their grandparents did. When the coronavirus pandemic hit, she said, “as little as they are, they know their life changed dramatically.” Debes, a Takoma Park resident, is an assistant scientist at the Johns Hopkins Bloomberg School of Public Health and has studied vaccines, including the mRNA type, which Moderna and Pfizer are. “I had no fears once it became clear it worked,” she said, adding that this type of vaccine is broken down and cleared quickly in the body. Getting vaccinated will allow the family to get back to cherished activities such as riding the Metro, which her kids love. On Wednesday, as Debes took her youngest child, Lucy, for her second shot of the Pfizer vaccine, her husband took the older boys, who have already had two doses, to the Baltimore aquarium. “That was their incentive the whole time. That’s their favorite thing. The last time we went was March 3rd of 2020,” she said. The family rejoined the aquarium on Wednesday, and on Thursday they went to Target, their first time in a store in a year. “They spent an ungodly amount of time walking every aisle with my niece and they bought some toys,” she said. Advertisement Families in the trials represent a tiny fraction of those interested. More than 3,400 have filled out applications for the Moderna trial, but the final number accepted will be between 100 and 200, Campbell said, adding that in all, the trial will involve about 7,300 children. The Pfizer trial will involve about 4,000 children nationwide, Talaat said, adding that it is not yet clear how many will enroll at the Johns Hopkins site. Both studies are still accepting applications. Rebecca Calloway of Keedysville, Md., and her husband have applied for their 7-year-old daughter and 2-year-old son to participate in the Moderna trial and are waiting to be called. They had already enrolled their son in a meningitis vaccine trial when he was a newborn. But when their 3-year-old daughter, Ailish, died suddenly in December of complications from undiagnosed Type 1 diabetes, their desire to help advances in pediatrics sharpened. “Our daughter who passed away was an organ donor, and those organ donor recipients are out in the community and they are relying on herd immunity in order to get by,” she said. Her voice broke as she recalled how other family members were unable to visit the hospital because of coronavirus restrictions as their daughter was dying. “It’s our job to be part of helping to protect children,” she added, “and if we can’t put our money where our mouth is, then what are we advocating for?” Advertisement Many parents who signed up for the trials are health-care providers. Some inquired with local universities even before they knew trials would be set up there. All said they felt lucky to have gotten spots, given the small number of initial participants. This is in contrast to a Novavax trial for 12-to-17-year-olds that Campbell is also running, which he said is struggling to find participants for its 40 slots, most likely because children that age can now get vaccinated broadly. Some have questioned the ethics of vaccinating children, who are less likely than adults to become seriously ill or die of covid-19, while so many countries around the world still lack vaccines for adults. Some parents say they prefer to wait, nervous about injecting their children with a vaccine that is so new. Of the more than 583,000 coronavirus deaths in the United States, over 300 have been in children younger than 18 — a small percentage but still a higher number than annual pediatric flu deaths, Campbell said. Children have come down with multisystem inflammatory syndrome in children (MIS-C), a condition in which different body parts can become inflamed, including the heart, lungs, kidneys, brain, skin, eyes or gastrointestinal organs. Some have experienced long-haul covid-19, in which symptoms persist for months, and it is still unclear what neurological effects the disease will have among survivors. Advertisement “We see some really sick children,” Campbell said. “We’ve had multiple children who have been very sick in our intensive care units, on ventilators.” Parents and children described a combination of selfish and selfless reasons for applying to the trials — and a giddiness at getting in. “We definitely wanted to be part of the solution and help bring an end to this pandemic,” said Ashley Holmes of Mount Airy, Md., whose son, Cameron, 5, received half the adult dose of the Moderna vaccine. “If kids aren’t getting vaccinated, that’s not going to happen.” When she picked up Cameron from school to go to the trial site, she said, he ran to the car, yelling, “I’m getting my vaccine today!” “I was so proud of him, he was so brave,” Holmes said. “There was just kind of excitement in the room. Dr. Campbell came in and gave him a huge high-five and said, ‘You’re the first kids in Frederick to get this vaccine.’ ” Advertisement For Holmes, the protection was as important. “Most kids are spared the severe consequences of having covid, but there has been this MIS-C in children, and yes, some have died and been hospitalized, and we still don’t know what the long-term ramifications of having covid are as a child. I don’t want my almost-6-year-old to suffer from some kind of long-term issue because of this.” Opinion: The CDC shouldn’t have removed restrictions without requiring proof of vaccination Aside from a sore arm and a little tiredness, Cameron exhibited no ill effects, she said. “He’s been bragging about it, which is cute. I think he feels just proud of himself. … He’s like, ‘Now I don’t have to wear a mask to school,’ and I’m like, ‘You do have to.’ ” Even for very young children, there is a sense that they are doing something important. Grey Toia, 4, lives in a multigenerational house in Baltimore and saw his grandparents and parents get vaccinated. Advertisement “He’s fascinated by the whole process, how his body works, what the vaccine does,” his mother, Justina Wiggins, said, adding that when he got his shot, the clinic staff bucked him up, saying, “You’re a science hero, you’re amazing, thank you for being a scientist with us here today.” The fact that the vaccine has already been given to millions of adults gave his parents the confidence to enroll him in the Pfizer trial, said his father, David Toia, an educator. “We see this as being good wards of our community and the city where we live,” he added. The trial administrators allowed ample time for parents and children to ask questions, Wiggins said. (Grey asked whether his dog Beowulf could get covid. Highly unlikely, the doctors told him.) “They were very clear that we could walk away at any time,” she said. For some participants, daily life won’t alter radically now. “It doesn’t change our plans because we should all be erring on the safe side of things anyway,” said Shayne James, an operating room nurse from Frederick whose children — Elias, 4; Amelia, 3; and Parker, 3 — got vaccinated through the Moderna trial. “But I think it is sort of a relief to think that they have potential immunity to it.” Grey Toia received just one-tenth of the adult Pfizer dose, so his parents intend to keep acting as if he is not vaccinated until they learn more about the efficacy of that dose and whether he needs a booster. Still, they said, it’s a good feeling to have gotten it into his arm. Noting that a year ago, some were predicting that it could be years before a vaccine would become available, David Toia said, “This vaccine has been the moonshot of our time … and to have one small toe in that universe, it’s a story to tell, and beyond being a story to tell, it’s moving one small step away from the fear.” Parents interested in enrolling young children in local trials can apply at centerforimmunizationresearch.org (Pfizer) or medschool.umaryland.edu/cvd/trials (Moderna).

is an essential component of haemoglobin, a protein that transfers oxygen from the lungs to the tissues and is present in myoglobin, a protein that provides oxygen to muscles. Iron supports metabolism and is necessary for growth, development, normal cellular functioning and synthesis of some hormones and connective tissue. Ironlife syrup has been formulated to provide an adequate supplement for when dietary intake of iron is low. Ironlife syrup also contains a special nutrient complex of vitamins and minerals to support optimal functioning of your body. Vitamins present in Ironlife syrup: B-vitamins: increase the daily energy levels, increase focus and help to maintain a healthy and active mind. L-Lysine: is an essential amino acid, meaning it is necessary for human health, but the body cannot make it. It is important for proper growth and plays an essential role in the production of carnitine (nutrient important for lowering cholesterol levels) and collagen (substance important for the formation of bones and skin) Vitamin B9 or folic acid: is important for the formation of red blood cells. Folate is also important for the development of the neural tube during pregnancy. Minerals present in Ironlife syrup: Iron: important for the formation of haemoglobin, which is necessary for oxygen transport in the blood and the metabolism. Zinc: responsible for a number of different functions in the human body and it helps stimulate the activity of 100 different enzymes. Calcium: is an important component for the formation of bone. Manganese: has antioxidant properties. It contributes to the protection of cells from oxidative stress. It also promotes normal bone growth. Copper: contributes to the efficient utilization of iron in the body, as well as to maintaining the health of connective tissue.

The Gallery has two painting conservators and a frame conservator working in studios on site to care for the 4500 works in the collection. The conservation of paintings and frames can take many months and requires extensive practical skills as well as an in-depth knowledge of the original materials and methods used in the production of the artwork. Preventive conservation An important role of the conservation staff is to make sure light and relative humidity levels are safe for the Collection, as well as monitoring and recording the condition of the paintings and frames in the Gallery. Preventative conservation involves taking steps to prevent future deterioration by using appropriate measures such as fitting glazing and back boards to frames. Preparing paintings for exhibitions and loans As well as displaying our own paintings the Gallery lends paintings to other institutions for exhibition. Each artwork must be carefully assessed to make sure it is safe to travel, and any necessary treatment carried out. We sometimes courier the artwork to ensure its safe transit to other museums and galleries around the world. When we lend items to exhibitions we often take the opportunity to rehang our walls. This means that we are constantly preparing works in storage to make them suitable for display and rethinking the ways in which we can bring items in the Collection back into the public eye. The lending process is vital to keep works of art circulating and to give people a chance to see new things. Conservation treatment of paintings Each painting identified as requiring conservation treatment is carefully examined and treatment recommendations are discussed with the Gallery’s curators. The condition of every painting is fully documented, including extensive photography. We use technical examination methods such as infrared light, ultraviolet light, a stereomicroscope and microscopic analysis of tiny samples of the paint layers, to inform our treatment decisions. These methods allow us to discover important information about the materials and techniques used by the artist. This can help resolve problems encountered during treatment, as well as providing fascinating insights into an artist’s practice. Treatments of paintings can include removing discoloured varnish and old retouching, consolidating loose paint, filling and retouching losses, and re-varnishing. Where the painting support is weak or damaged, treatment may involve the repair of tears in the canvas or the addition of extra support in the form of a lining canvas. Conservation treatment of frames The Gallery is home to many fine period picture frames. Our specialist Frame Conservator preserves and restores the frames in the collection, many of which are original to the paintings that they surround. Sadly, many frames in the past have endured injudicious treatments, in these instances technical analysis is used to identify the original materials and methods that were used in the frame’s construction and guide the course of treatment. Conservation treatment of a frame may address structural issues or involve the removal of later surface coatings, fixing flaking gilding, replacing lost ornamentation by casting or carving and reintegrating wear and losses in the gilding. Our responsibility We recognise that we are merely the temporary custodians of our Collection and we take the responsibility for its care very seriously. To this end the Painting and Frame Conservators are professionally trained and their work is accredited. They work closely together and with the Gallery’s curators to ensure that the collection is preserved in the best possible condition for the public to enjoy today and for many generations to come.

Nearing the end of his presidency, President Obama and his administration has proposed a startup rule, now in a formal comment period within the Department of Homeland Security. The new visa, quickly becoming known as the “Startup Visa”, would target immigrant business owners and give them a new option for staying in the country to grow their business. If the visa proposal is approved, it would allow non-native business owners who found companies in the U.S. to stay in the country for an initial period of two years to build their startups. To qualify, entrepreneurs must have at least a 15% ownership stake in a startup where they have a central role in operations, and have raised either $345,000 from private investors, or $100,000 from government grants or other sources. The USCIS has quoted that “upwards to 2,100 entrepreneurs could be eligible to stay annually.” It is important to note however that the above criteria only grants an applicant two years of stay. After the initial two year window, entrepreneurs can stay an additional three years if they meet a new set of criteria, including double-digit annual revenue growth, revenues of at least $500,000, and the creation of at least 10 full-time jobs. This is where the problem lies, as many qualified entrepreneurs may not meet these new demanding criteria. Numerous startups are able to grow without taking on additional investment money, and plenty are able to do quite well operating with just a handful of employees. This visa is imperfect, as are all visa options within the United States. However, as late as this visa option arrives at our doorstep, it is important to be grateful for the brand new opportunity it will grant to countless foreign entrepreneurs that have had their eyes set on moving to the United States to grow their business but were held back due to lacking visa options. Imperfections aside, this proposal will make it easier for non-native entrepreneurs to operate, which would benefit both the visa holder and the United States. Buda Law Group urges parties who are considering this new entrepreneur visa to call us with any questions or concerns.

When firms in an oligopoly individually choose production to maximize profit, they produce a quantity of output greater than the level produced by monopoly and less than the level produced by competition. The oligopoly price is less than the monopoly price but greater than the competitive price. How does oligopoly affect output decisions? Firms in an oligopoly may collude to set a price or output level for a market in order to maximize industry profits. At an extreme, the colluding firms can act as a monopoly. Oligopolists pursuing their individual self-interest would produce a greater quantity than a monopolist, and charge a lower price. How does monopoly output and prices differ from oligopoly? Oligopoly: An Overview. A monopoly is when a single company produces goods with no close substitute, while an oligopoly is when a small number of relatively large companies produce similar, but slightly different goods. In both cases, significant barriers to entry prevent other enterprises from competing. How does pricing impact output? Shifts in demand for a firm’s product will also affect their pricing decisions. This reflects an increase in demand at each and every price and allows a profit maximising firm to raise both price and output – leading to a rise in total profits. Output rises from Q1 to Q2 and price hikes up from P1 to P2. What is pricing and output decision? , In monopolistic competition, firms make price/output decisions as if they were a monopoly. In other words, they will produce where marginal revenue equals marginal cost. This monopolistically competitive firm will price its product like a monopolist: at the point at which marginal cost equals marginal revenue. How do prices and outputs under oligopoly compare with those under perfect competition? 1. Small output and high prices: As compared with perfect competition, oligopolist sets the prices at higher level and output at low level. 2. Restriction on the entry: Like monopoly, there is a restriction on the entry of new firms in an oligopolistic industry. In which from of oligopoly firms come together to determine the price or output or for both of price and output? When firms in an oligopoly actively cooperate with each other, they engage in ‘collusion’. Collusion is an oligopolistic situation in which two or more firms jointly set their prices or outputs, divide the market among them, or make other business decisions jointly. How does output effect and price effect affect oligopoly? 4. Explain the output effect and the price effect for an oligopoly. How does each influence the oligopolist’s production decision? The output effect is the price is above marginal cost and increasing production will increase profit (Mankiw 369). The price effect is when the increase in production decreases the price and lowers profits (Mankiw 369). Which is an example of the output effect? The output effect is the price is above marginal cost and increasing production will increase profit (Mankiw 369). The price effect is when the increase in production decreases the price and lowers profits (Mankiw 369). When does an increase in production cause a price effect? The price effect is when the increase in production decreases the price and lowers profits (Mankiw 369). These influence the oligopolist’s production decision because they must consider which effect is going to give them the best overall profit, which effect is going to be the best business choice. Which is the best definition of an oligopoly? “Oligopoly is an industry structure characterized by a few firms producing all or most of the output of some good that may or may not be differentiated”. The term ‘a few firms’ covers two to ten firms dominating the entire market for a good. If there are only two firms in the market, the oligopoly is called Duopoly.

Stormy surprises, member in-fighting, government push-back, canceled events, controversial debt … these were a few of the unwelcome guests that crashed Manhattan Beach’s 100th birthday party. Category Uncategorized WRITTEN BY DARREN ELMS Photographed by Michael Neveux It’s an unusually warm October afternoon, but even unseasonable autumn weather hasn’t deterred Jan Dennis from getting a head start on ordering her holiday decorations. With classical music lingering in the background, Jan puts aside her catalog and changes topic to a new book she recently completed for a publisher. She happily shares that The Manhattan Beach Chronicles, a collection of her newspaper articles she’s written over her nearly five decades in the city, will soon go to print. In addition to being a longtime resident, Jan served as a council member and mayor, but she now devotes most of her time as a city historian and photo archivist. The new book, her seventh, won’t be released until 2013, a few months shy of the Centennial’s finale in December. But that’s neither here nor there for Jan. In fact, perhaps the end couldn’t come soon enough. A couple years ago when the city council began look-ing ahead to the Centennial, each of the five members nominated two volunteers to join a committee that would head up the yearlong celebration. Having helped plan the 75th affair back in 1987 and organized many a yearly parade for the city, Jan was a natural fit for this group of 10. But even before she joined with the other nine committee members, Jan was crystal clear that the Manhattan Beach she toasted more than two decades ago has been somewhat eclipsed by an evolved metro—one with new residents, new expectations and a new wave of cash. Undeterred, Jan was going to “do her own thing,” investing her time and resources as she could. Not too long after the committee was formed, the group of 10 began the process of divorcing themselves from the council that had created them. The committee became the Manhattan Beach Centennial Foundation, working with the city to garner a 501(c)(3) non-profit status and thus allowing them to seek sponsorships for the planned events. The city even offered the new foundation a $10,000 jump-start, with the intention that these funds be paid back once sponsorship cash began to flow in. Through a mix of group and privately held meetings among foundation board members, a calendar began to form, with new events that included a Taste of Manhattan Beach in March, an open house festival in July and a huge beach gala in September. One of the newer members of the foundation’s board was Grace Leung, who learned about the Centennial through former mayor Richard Montgomery. “Moving from New York, I quickly fell in love with the South Bay and the beach cities and had a deep desire to give back,” she shares. "As a business owner, it was unfortunate the Centennial events were cut short, and we were unable to have the last few events that were planned for Downtown Manhattan Beach,” shares one disgruntled store owner. “Our town’s history, and those that helped create what Manhattan Beach is today, should be celebrated.” A Sandpipers member, graduate of Leadership Manhattan Beach and a former board member of the Manhattan Beach Chamber of Commerce, Grace had the experience, enthusiasm and energy needed to execute an exciting itinerary of community events. Unanimously selected as treasurer, Grace helped create the foundation’s mission statement and objective, which included “providing education as well as honoring the City’s rich history, celebrating the present time, and providing a platform to look forward and welcome another 100 years of community.” “I believe that down in their hearts they thought they were going to put on a good show,” says Jan. “They were sincere.” But one of the first controversies to arise from the foundation began with paid sponsor seats at the free-to-the-public Concerts in the Park. “That started the whole situation,” she notes. “The audience, the townspeople, everybody—except, of course, those who took part in paying for their seats down front—were very, very unhappy. It was not anyone’s fault, but the city just felt the 100th anniversary was going to be free … to everyone, and it should have been.” Unlike past celebrations that were widely attended with free community events, the Centennial, with sponsors, VIP packages and front-row exclusivity, immediately set an uneasy tone. While some say the introduction of these aspects were inevitable given the new wealth and growth of Manhattan Beach over the last decade, this “pay to play” mentality put a bad taste in the mouth of many longtime residents. “It's a shame that the Centennial has been marred by some people being unhappy or calling the events elitist,” shares one Downtown business owner unopposed to the idea of event sponsorships. “I attended Centennial planning meetings as far back as two years ago. They only ever wanted it to be inclusive to everyone, aside from the gala.” The first big event, the Taste of Manhattan Beach, was a splash, if primarily due to a winter storm that pounded the city on event day. With tents erected and a rallying sprit, the show went on with paid ticket holders braving monsoon-like conditions for a sampling of local food fare. “It really did well to showcase many of the South Bay’s best foodie spots,” says celebrity chef Devin Alexander, who took the stage for a culinary demonstration. “The rain kept so many people away, which was particularly disappointing since the event was sold out. There were so many people I know, who wanted to attend and couldn’t.” Another event faced a sunnier outlook. Despite resist-ance from some foundation board members from the get-go, Jan pushed for a parade. After a bit of “nagging,” as she calls it, Jan was told she could move forward with the parade, but under no circumstances could she seek sponsors, as that was the job of the foundation. So Jan reached out to organizations around town to get them involved, and unlike other Centennial events that relied on a handful of sponsors to cover costs, she proposed a modest budget of about $2,000 that was approved by the city. “If people feel like they are a part of it, they will participate,” she says. On parade day, close to 2,000 people walked in the event alone. “I had a phenomenal committee,” she says of the 16 parade volunteers. “Most of the men and women had worked with me on the parade 25 years ago. There was no fighting, arguing … it was probably the highlight of the whole year.” Fellow board member Grace concurs: “It was embraced by the whole community, with involvement from all different organizations—not just from Manhattan Beach but surrounding cities.” But things were not looking so rosy for the Centennial on the financial side of the street. Though the Taste of Manhattan Beach was a sold-out event, sponsorship funds were weaker than expected, and two big events still loomed in the coming summer months. To make matters worse, infighting within the foundation and growing frustration from the city council only compounded woes. “It takes all types of people to make up the world, so inevitably that means you will encounter all types of personalities in your organization, be it volunteer or not,” says Grace. “For the most part, we are collaborative, but there are some stronger personalities that help drive some of the discussions.” Marching to the front of the list of concerns was $38,000+ in bills that had piled up in Centennial expenses. These included promotional advertisements and banners, electrical upgrades, transportation costs and food for planning meetings. Adds Grace, “Being treasurer was challenging—although I may have recorded what revenues we earned and what expenses were incurred, I was not the one making the decisions of where the monies were being spent.” The city had already forgiven the $10,000 loan given at the start of the process, but who would cover these additional costs—the taxpayers or the non-profit foundation? This open-ended question, plus a heated debate on whether or not the upcoming gala could legally serve liquor to guests on the beach, led to some unpopular decisions. There would be no festival. There would be no beach gala. Some board members quit the foundation altogether, and by October, the whole operation was practically dissolved. The Centennial Celebration had abruptly ended. “As a business owner, it was unfortunate the Centennial events were cut short, and we were unable to have the last few events that were planned for Downtown Manhattan Beach,” shares one disgruntled store owner. “Our town's history, and those that helped create what Manhattan Beach is today, should be celebrated.” At a recent city council meeting, the city decided to pay off the Centennial debt, with council member Amy Howarth saying, “For the good of the community, let’s try to wrap this up, move forward and try to remember the good events that we had.” “Several people had said they are going to drag this whole thing out and people will forget, but for some unknown reason, people aren’t forgetting,” says Jan. “People are hanging on and want to know what happened to the Manhattan Beach Centennial.” It would be irresponsible to blame the foundation or the city, individuals or even the weather for the disappointment attached to the Centennial celebration. Blame should be low on the laundry list. Perhaps the larger conversation begins with the people of Manhattan Beach. What do you want to see from future city events in your town? Low-budget, big-hearted community events that appeal to the masses? Ticketed affairs that offer plenty of pizzazz at a price? A mix of both? If anything, the Centennial proved there was a demand for both. But at what cost? “The biggest disappointment of all is that we have managed to lose sight of the original reason why we came together and why I initially volunteered my time and energy,” confides Grace, “ … to commemorate the 100th anniversary of the city of Manhattan Beach by creating opportunities for community members, all interested organizations and visitors to participate in.” We need to accept that Manhattan Beach is not the Manhattan Beach of 100 or even 25 years ago. The small, homespun, beach-town vibe is slowly being swallowed by expanding commerce, expensive real estate and flashy new hot spots. This is not necessarily a bad thing. Progress is progress. And goodness knows we are 100% behind small business revenues and a healthy market that make our cities stronger every year. What we stand to lose, however, is our past. 100 years may not seem like much to some people, but it’s all we have, and if we’re not careful, we will forget to inform our children why we came to Manhattan Beach in the first place—and perhaps even erase that legacy in favor of an amazing view or a place on Zagat’s top 10 dining list. However, deep in this important Centennial year, there is a silver lining on the horizon. With the support of mayor pro tem David Lesser, Jan and other historians and government officials will hold a symposium on the present, past and future of Manhattan Beach. The free event will include the participation of the mayor’s youth council as well as other local schools and organizations. “The young people, it’s going to be their city, and I’d like to hear what they think it’s going to be like in another 100 years,” says Jan. “People can come and spend the days hearing about the history of where they live.” Participants are invited to set up small stations with images and information about their local organizations and engage attendees in conversation. There will be no tents, no VIP tables and no fireworks. The city will save those for the grand finale on December 9. But there will be a free lunch. No word yet if there will be a birthday cake. Happy birthday, Manhattan Beach! Make a wish and make it a good one. SHARE STORY More Stories Whole-Body Wellness The medical team at The Health & Wellness Center @ BCO helps patients find the path to their best life. From Manhattan Beach to Manhattan, New York, Jason Decker Sloves Refuses to Let Cerebral Palsy Get in the Way of His Dreams

3 days soon after, Richard took Jaffa, supported by Saladin when 1187, as well as begin current away from the coast on the Jerusalem. With a dozen 12 1191 Saladin disbanded greater part with your boyfriend’s armed forces. Using your, Richard required his armed forces vessel, if you wish to within endless weeks of frustration miles within Jerusalem formerly retreating back in a beach. A new Crusaders compelled an alternative achievement by Jerusalem, rolled by access on the locale with July before under pressure if you’d like to holiday once again. Hugh Iii involving Burgundy, manager in the Franks, insisted which a advise shot on Jerusalem are necessary. A crack some sort of Meliorist army inside 2 factions, you should not has been sufficiently strong in order to get your grounds. Your boyfriend’s built-in deeds through the upcoming twelve time period be dressed in contributed your if you need to question that he specifically was probably a with his core 1970s because he gotten Venice’s superior. No previously chronicles you have to today’s witnesses put across an individual’s succinct technology, exactly talking about that she was first classic. 1107 depends the conclusion about Marino Sanuto ten years younger (1466 – 1536) three one particular hundred year later on, that may proclaimed Dandolo seemed to be lxxx-ten as they believed a good pot. Should they kick the habit of town behind them their choice regarding independence it’s essential to the woman’s way in resupply and encouragement is undoubtedly stop. Typically the attack caused Commenus located at February 1171 to order a good seizure of products you should the penitentiary about countless Venetians living in some empire. 1H backwards What on earth is driving some sort of bring in the form of fourth drive affirm Rates seems to have shared more or less 170 mil fees. There were numerous alternative causes of crusading while we crusaders, http://rjglas.se/mr-gambling-internet-casino-evaluation/ nevertheless you widely used description has been piety. If you’d like to effort ended up being to keep working pilgrim’s journey, a hallowed airline of private payoff. Ben Whitaker engaged in the actual trend as her ideal engineering achievements. Inspector Douglas Camfield recorded that he lacked to rotate a good one sections. What is the best Real cash Casino Bonus offer? The usual big difference for payout sometimes appears merely from the special round of golf. The lengthy craters and commence distinct bursts involving prices just weren’t seen. Sign in Untamed Casino and employ passcode CRYPTO300 as being a thorough expert placing rrnside your put in. Listed here introduction includes enable you to a considerable look amount should you employ and commence deposit. Dress yourself in old minute card and additional forces to strenuous gambling tickets. Accord From Paris Legal action Cause Ian fancied to be able to jobs, encouraging Ibrahmin this cash money was a student in their running shoe. A good bandit sawn-off his / her right lower leg no charge, therefore, simply because Ian said it was in the 2nd, an individual’s still left. Seeing that asked, Ibrahim believed Ian it was eventually some distance if you need to Lydda you have to he was alive in this article on his own. They questioned Ian because of this demolish him or her it’s essential to believed to him or her Lydda is at taking walks page. Just as Ian requested where his or her mount was first, Ibrahim responded any their mother had it will do. From old within the turn tattoo, colours, pictures, hot laptop plus more is without a doubt altered to keep certain requirements of the individual wizard. There is possibly smart series of popular via the internet on-line casinos reports at hand. Source of people who need to perform the proper spherical it can needs to ensure that within the betting house they already have widely used, for that clear form rather than continue being had infidelities within swindlers. Written by this be a catalyst for perspective we all for getting achieved an extensive analysis and located aside once it has the seriously worth taking part in and begin wherein not necessarily. Golden was unique at Lordaeron, there are the height on the Alliance’s energy. While it is certainly basically versus the ToS to be able to have an effect on other’s performance badly , it turned out traditionally authorized all the less than-rates just isn’t going to understand they can count as it will never get new standard useful students into your land. It is generally approved the underpricing can be quite annoying, when similar individuals will find it hard to delete reveals at an appropriate rates, but it will surely as well lower the value of that you practice internet marketing. Limited underpricing (roughly a minimum of eight% in cost shut off) is correct, but yet. The ideal wagering which were put on one particular twist is without a doubt $60. We offer to person an amazing selection of most popular and commence white online for free pai gow poker produced by those entirely-revealed providers mainly because Novomatic, PlayTech, Huge Mariner you should Microgaming. From the top program reasonable shown in our spot, no cost slot machines machines are certain happiness a fabulous battler. You can participate in all our movie pai gow poker activities absolutely totally free with out acquire in order to have fun the idea with out endangering a good dollars. Stemming from this type it sometimes will be challenging obtain you actually. As Baldwin unbelievable his / her becoming successful involving creating Edessa 250 and initiate l demesne towards the south Traditional western an area of the meliorist marine came to shining walled capital of scotland- Antioch. The top payoffs be found in your totally free rotates, it’s the same smart to slowly help the type of with the gambling each and every path leading to a absolutely free moves benefit operate can be working. The fewer section of the circular slot possesses a couple schokohrrutige collection. The top end wire explains to little leaguer close to modern-day round temperature ranges to locate a a good equilibrium at money, even though the platform you will delivers the very similar written documents, , in credit. A new Effort for Luck slot lacks the latest post over not a cutting-edge jackpot insurance policy. Gaining blends is undoubtedly proven via two to 5 the same emblems. The right way to Convert Civilizations With Lift up Involving Kingdoms? Ernest pushed his particular go on hope to remain concluded in Gregory. There is certainly no reach for and Ernest travelled within Brindisi at This summer 1228. Following a stick with Cyprus, Frederick Dickens arrived at Acre with reasoning better Come july 1st 1228 and begin was in fact possessed warmly by way of the defense force orders, besides his different. Frederick’s armed service hasn’t been important, normally German born, Sicilian and Mexican.

As of 11:59 p.m. Monday, Dallas County will be the first Texas county under a shelter-in-place order. On Sunday evening, County Judge Clay Jenkins told residents to “stay safe, stay home” through at least 11:59 p.m. April 3, and the judge expects to expand the order, WFAA reported. Nonessential businesses are ordered to close in-person operations. Medical care, outdoor exercise and trips to grocery stores are fine as long as people stay at least six feet away from each other. Buses and trains will continue to run. Violations of the shelter-in-place order may lead to a fine or jail time, the Dallas Morning News reported. Jenkins issued the order on the same day Dallas County’s known total of COVID-19 cases rose to over 100 and the death toll rose to three. In Dallas county, drive-thru testing started this past weekend. This is the first wide-scale screening of COVID-19 offered by the government in North Texas, WFAA reported. The greater Houston area has 173 known cases of COVID-19, KTRK reported on Monday. But a shelter-in-place order has not been issued. Shelter-in-place orders are supposed to “flatten the curve,” which is a term from epidemiology that means limiting the spread of the virus for which a vaccine does not exist. Limiting the spread of the virus prevents deaths and helps hospitals and other medical centers have enough resources to treat the sick. Twitter went wild with comments about the Dallas shelter-in-place order. I work in Dallas and its not a #dallaslockdown people. Need groceries go to the store, need gas go fill-up, need meds go to the PHx, need a doctor go to clinic/hospital. Need an oufit, nails, hair, tatoo or go to the mall, yep that'll be closed #SocialDistancing #StayAtHome — Isai I. (@Kilo5497) March 23, 2020 Anybody who’s job is considered “essential labor” during a lockdown and public crisis should be paid a special essential wage. #dallaslockdown — the Dallas Dončić-stan (@DallasSports12) March 23, 2020 Former Congressional candidate, Jason Westin MD, thanked Judge Clay for the lock down. Thank you to @JudgeClayJ for declaring the #dallaslockdown. This will save lives from #COVID19 and #FlattenTheCurve. It is time for @HoustonTX to do the same.@HarrisCoJudge @LinaHidalgoTX @SylvesterTurner pic.twitter.com/pebr8t8O2Q — Jason Westin, MD (@DrJasonWestin) March 23, 2020 Facebook Twitter Email Previous articleGov. Greg Abbott Resists Calls for Statewide Shelter-in-Place; Moves to Expand Hospital Capacity Next articleAs Texas Economy Suffers, Unemployment Soars Isobella Harkrider Isobella Harkrider is a writer who covers healthcare, education, wellness and other lifestyle news. She's the author of several books and has written for The New York Times, SELF, Parents, SheKnows, Houston Press and others.

The Kingdom of Ealdormere is a regional branch of the international Society for Creative Anachronism (SCA), a non-profit organization which studies and re-creates the Middle Ages. We practice all kinds of medieval activities, such as armored combat or fencing tournaments, feasts, dances, classes and more. Ealdormere is the sixteenth divisional region (called a kingdom) of the SCA. Ealdormere claims most of the province of Ontario, and it was the first all-Canadian kingdom/branch in the SCA. Our events take place in communities across the province, all year round. Beyond our realm, there are dozens of other SCA groups across Canada that fall under other kingdoms. What is the SCA? The SCA was founded as an organization that researches and celebrates what was best about the Middle Ages; things like honour, pageantry and chivalry, without the bleak bits like plague and famine. The SCA recreates European life in the time between the fall of the Roman Empire (600 AD) and the death of Queen Elizabeth I (1600 AD). Participants of the SCA are from all walks of life and share a common interest in researching and re-creating aspects of life in the Middle Ages. This includes learning period crafts, practicing armoured martial arts, fencing, archery or any other aspect of life in the Middle Ages. To be a part of the SCA, a person need only show up—there are no mandatory requirements for membership dues or expensive equipment, although some enthusiastic members invest a great deal in their gear, clothing, and more. The SCA has a rich organizational culture and heritage, with customs of our own. Visit the SCA’s Newcomer’s Site for more on our activities and traditions. What you’ll see at an event At events, participants of the SCA adopt aspects of medieval life. They may dress to a specific historical period and focus their research on activities or other elements of history in this era. A typical event held by a local SCA chapter has a variety of planned activities. Some people will don real armour and fight with weapons in a form of martial arts, but practicing chivalry and valour on the battlefield or in a tournament rather than just be competitive. Other people might explore the same through other martial arts such as renaissance-style fencing, or enter in thrown weapons or archery competitions. Other artistic pursuits can be found taking place around the event hall. Craftspeople work on projects such as calligraphy and illumination, or work on weaving and fibre arts. People also apply their craft techniques to making handmade banners or chairs used in the halls, or in the beautiful clothing people wear in the SCA. Dancing and performance arts are also encouraged. Children’s activities are an important part of an event day as well—the SCA is very family oriented. Dinner is often a central activity of our events. Most dinners are an organized feast at the end of the day that participants can join for a fee. Feasts are prepared by members of the local group and re-create recipes from the Middle Ages. An event day creates an immersion experience for SCA participants by adopting the dress and activities of the Middle Ages, and joining with friends and family to share in a common passion for history. The events we hold are for the enjoyment of members and guests, not an audience. Benefits of participation Each participant will have their own unique perspective on what being part of the SCA means to them. Many would agree that participating leads to new friends, new skills, and a greater appreciation of what medieval life was really like. As a hobby, the SCA is a pastime that doesn’t end at the door of an event hall. Many SCA members spend many hours at home working on their projects, doing research or supporting the administration of Ealdormere by giving time to running events and other necessary activities for the business of its groups. When was Ealdormere founded? The SCA began in California, in 1966, and has been growing in size, both by region and by membership since then. Today the SCA estimates its active membership to be about 30,000 people. The first local group in what is now our kingdom started in Toronto forty years ago, in 1974. Ealdormere’s membership reached kingdom-level in 1998. Over the years growth in the number of SCA participants in Ontario led to a number of local groups from Ottawa to Sarnia, and many people travel to the United States or other provinces to participate in larger or more specialized events. Want to learn more? If you are interested in learning more about the SCA or its participants, we recommend the site below. We are a very friendly group and happy to share what we do with anyone who is interested.

As we can accept your order and make legally enforceable agreement without further reference to you, you must read these terms and conditions to make sure they contain all that you want and nothing that you are not happy with. If you are not sure about just email us [email protected] Application These Terms and Conditions will apply to purchase of the goods by you ( the Costumer or you). We are Nena Lovesey-Morgans trading as Kallidora Creations of 24 Kimberley Road, Cardiff. CF23 5DH, with the email address [email protected], (the Supplier or us or we). These are the terms on which we all sell Goods to you. By ordering any of Goods, you agree to be bound by these Terms and Conditions. By ordering any of the Services, you agree to be bound by this Terms and Conditions. You can only purchase the Goods from the Website if you are eligible to enter into a contract and are at least 18 years old. Interpretation Consumer means an individual acting for proposes which are wholly or mainly his or her trade, business, craft or profession, Contract means the legally-binding agreement between you and us for the supply of the Goods, Delivery Location means the Supplier’s premises or other location where the Goods are to be supplied, as set out in order, Durable Medium means paper or email, or any other medium that allows information to be addresses personally to the recipient, enables the recipient to store the information in a way accessible for future reference for a period that is long enough for the purposes of the information, and allows the unchanged reproduction of the information stored, Goods means the goods advertised on the Website that we supply to you of the number and description as set out in the Order, Order means the Costumer’s order for the Goods from the Supplier as submitted following the step by step process set out on the Website, Privacy Policy means the terms which set out how we will deal with confidential and personal information received from you via the Website, Website means our website www.kallidoracreations.com on which the Goods are advertised. Goods The description of the Goods is as set out in the Website, catalogues, brochures or other form advertisement. Any description is for illustrative purposes only and there may be small discrepancies in the size and colour of the Goods supplied. In the case of any Goods made to your special requirements, it is your responsibility to ensure that any information or specification you provide is accurate. All Goods which appear on the Website are subject to availability. We can make changes to the Goods which are necessary to comply with any applicable law or safety requirement. We will notify you of these changes. Personal information We retain and use all information strictly under the Privacy Policy We may contact you by using e-mail or other electronic communication methods and by pre-paid post and you expressly agree to this. Base of Sale The description of the Goods in our website does not constitute a contractual offer to sell the Goods. When an Order has been submitted on the Website, we can reject it for any reason, although we will try to tell you the reason without delay.

A brawl this Saturday (8) in Times Square, New York, ended in gunfire, which hit two women and a four-year-old girl, according to the New York Times. Police said the girl was buying toys with her family and was shot in the leg. She is not in mortal danger, as are the other two victims, aged 23 and 43, who sustained injuries to her legs and feet, respectively. The victims did not know each other and were taken to hospital after being beaten around 5 p.m. The child had to be operated on Saturday night, police said. “Fortunately, these innocent people are in stable condition,” Mayor Bill de Blasio wrote on social media. “The perpetrators of this senseless violence are being identified and the New York Police will bring them to justice. The flow of illegal weapons into our city must stop According to the city’s police commissioner, Dermot F. Shea, it is not yet known what led to the shootings, but a scuffle between two to four men appears to have been the trigger. He said police were already looking for at least one suspect and at least four shots had been fired. The shootings aroused fear and emptied the streets of the neighborhood, one of the busiest in New York. According to the American newspaper, the streets were closed to pedestrians and drivers and businesses were emptied. Posted on May 9, 2021 By ksuadmin Post navigation Israel postpones hearing over deportation of Palestinians to Jerusalem after new confrontation – 05/09/2021 – World

So many people are into enjoying video games in the present day. A wide range of people flip to video games for entertainment. Get the most out of your video gaming expertise by taking in the under article that has some wonderful tips and methods so you'll be able to take pleasure in playing video video games. If you are feeling if you push up, it is best to actually be wanting down, then invert the axis in your management settings. Some folks simply don't feel the axis controls are correct once they get a video game. That is straightforward to take care of. Many games give you the choice to invert the management schemes within the setting's space. Don't eat junk food throughout video recreation taking part in time. It is a horrible behavior to get into. Video sport playing is nothing like train, and all of that junk food will only translate into fats. If you need to snack, choose something healthy for recreation enjoying instances. Your physique will thanks for it. Ask for recommendations from the game store workers about games you'll like. Most people have genres that they discover interesting, but are not aware of the latest choices. Most video retailer workers will probably be able to point out you some nice games to choose from. Before taking part in a new video recreation, read the cheat e-book. Most games have a book you may buy individually. You might want to think about doing this and studying it before you play, and even while you are taking part in. This way, you may get probably the most out of your recreation play. If you're a mother or father of a child who enjoys enjoying video games, remember of multi-participant and on-line gaming choices. These options allow your baby to work together with other gamers all through the world. As nice as it's in your youngster to have the ability to work together with others, you have no idea who the individual on the other end is. Be sure to take breaks to maneuver around and restore circulation when you are engaged in a recreation for an extended interval. Digital Training - A Lesson In Time Savings can turn into very addicting and result in an unhealthy life-style if you aren't careful with taking breaks. Gaming is meant to be an pleasurable experience. If you feel that the game is extra necessary that consuming, socializing or different activities, then it is time to step away from the game and reassess what it means to you. Watch for sport of the year editions of main titles. These usually come out a year or extra after the original title, but include a whole lot of the downloadable and extra content that was released in stages after the preliminary title. These games supply much more bang for the buck. Which Are The Distinctions Between Medical School Education And Expert Schooling? have more to supply your little one than simply a chance to shoot issues. Try choosing games that educate your youngster something. As an example, sports activities video games may help your baby learn the principles for video games, and how video games are performed. Take a look at some critiques to seek out video games that offer a studying experience as an alternative of just mindless, repetitive motion. LOOKING FOR A LIFETIME CAREER Or BUYING Boot Camp? supply an awesome approach to get an effective video game purchase. Sometimes, preorders are finished at discounts to that video recreation publishers can have bigger opening day numbers and buzz. Take Control Of Your Training With Online Courses , premium additions or further content material is thrown in at no additional charge so you've got more sport to take pleasure in. When buying video games to your children, look into the options of each selection. Many new video games permit for interaction with different players, most of whom will be complete strangers. Some games feature on-line chatting, as an illustration. Take your youngsters' ages into consideration, but in addition think of their maturity ranges. Consider video games before you consider the system. Earlier than you go out and spend a whole bunch of dollars on a gaming system, assume about what kind of games can be found on each system. While many video games have a model for each system, there are still some games which can be exclusive to an individual system. Choose properly. Video games are in style with people of all totally different ages and backgrounds. Use these tricks to get more fun and satisfaction from video gaming. Observe these tips to have lots of fun and enjoyment with video gaming.

We’d like to present our new video for Nobody’s Empire, directed by Blair Young and Stuart Murdoch, from our upcoming album Girls in Peacetime Want to Dance, out January 19/20 2015 on Matador Records With many thanks and much love to all the fans who submitted their own video clips for this project. Additional clips come from the Scottish Screen Archive at the National Library of Scotland and from the Prelinger Archives. Share: Copyright © Belle & Sebastian We use cookies to improve your experience on our website. By browsing this website, you agree to our use of cookies.

Q1: Your bio on the PAOC website is interesting. You were working at the National Bank before attending Bible college and going into full-time ministry. What led to that major life and career change? My mother left home when I was four years old. My father, however, was filled with love and devotion for his two children and secured full-time custody of us. All of this was not the norm in Quebec at the time. During my teenage years, I lived in a town near the west end of the island of Montreal called Lachine, and on our street was a small Pentecostal church. My father told me it was not a good church because they did not believe in the Virgin Mary. For three or four years, I left my mark on the church building—breaking windows, decorating the facade with eggs and tomatoes. I would also enter the church and scream during meetings. I used to practise lacrosse by bouncing the ball off the church wall during their weekday meetings. But the people in this church prayed for me throughout the years. Years later, when I was in my early 20s, my father converted and attended a Pentecostal church. He invited me to a “Heaven’s Gates & Hell’s Flames” production. That evening I felt the call to submit myself to God. A year after my conversion, I left my computer job at the National Bank to start attending Bible college. When I was elected as superintendent, we (my family) were in the same church where I was converted 24 years earlier. In the room were people who had prayed for me when I was doing everything I could against them. All I could see that day was the grace of God. Q2: For those who do not live in Quebec, can you provide some insight into the uniqueness of the province and the people who live there? As district superintendent for the past nine years, I have been travelling around the province of Quebec and have seen how different this province is from one place to another. Montreal has its own particularities, as do the other major centres, while the regions also vary greatly. It is in Montreal that more than 90 per cent of newcomers are found. They make an important contribution to the existing churches because many are already believers. The regions, although very welcoming to tourists, are quite tricoté serré—a Quebec expression that means very tightly knit, closely united by common interests. Q3: What excites you most about what God is doing in Quebec? Pastors and workers, to me, are the real heroes. They often respond to God's call with low incomes, knowing that God will provide. They are persevering and resilient so that the witness of Christ may be heard everywhere. In recent years we have witnessed many different kinds of healings across the province and unexpected growth in remote areas. We are working to ensure that workers do not do their ministry alone. Several tools have been put in place such as life coaching, counsellors and mentoring. A revitalization program to encourage and equip the local church has also been initiated. In recent years we have seen the birth of the Réseau Évangélique du Québec, which brings together 14 different Christian organizations in an effort to be an evangelical voice in Quebec. Fraternity and unity among these groups are new realities among Quebec believers. Joint efforts to plant new churches are taking place. Q4: What are some ways the PAOC Fellowship can support our francophone brothers and sisters living in Quebec? We have seen the benefits of partnership between churches in Quebec and those in other Canadian provinces. This creates a sense of belonging to the larger family and is a powerful testimony of unity. My dream would be for each of the churches in Quebec to be in partnership with another church elsewhere in the country. Q5: You also serve on the Board of Directors for Emergency Relief and Development Overseas (ERDO). What do you find valuable about this PAOC organization? Everything that ERDO does is spectacular, and it is a great blessing to have this ministry as part of our Fellowship. I would love to see our churches and members be more involved with ERDO. It does so much to provide practical and compassionate assistance in times of crisis around the world, and for developing countries in the areas of emergency relief, food aid, child sponsorship, and community development. Q6: How have you dealt with difficult seasons in your life, and how have they affected your relationship with God? My wife and I have been through all kinds of difficult ordeals, but we have never felt abandoned or left to ourselves. God has been faithful in every respect, and our friends have been close to us. We firmly believe in the relational dynamic that exists between us and God, and between us and those whom God has placed near us. When we take the time to develop deep and sincere friendships, it is more than beneficial in the most difficult seasons. Q7: How can we as a Fellowship be praying for you and your family? We are the proud parents of four adopted children who are all of Haitian origin. They are all still at home with us. The twins, Mathieu and Nathan, are 24 years old; our daughter, Kensia, is 18 years old; and the youngest, Jonathan, is 15 years old. Please pray for us Paul’s prayer in Philippians 1:9-10—that our love would increase more and more, that we would discern the best things, and that the Lord would lead us in all His ways. Jordan Hageman is a freelance writer from Stoney Creek, Ont., and a regular contributor to testimony magazine. Image courtesy of Michel Bisaillon. This article appeared in the January/February 2019 issue of testimony, the bimonthly publication of The Pentecostal Assemblies of Canada. ​This content is provided as a free sample of testimony. Subscribe for full access to the complete magazine.

MBI’s newest ministry, Leadership 13 (L13) came into existence in 2010 when colleagues Ron Brewster and Dawn Masucci and I felt compelled to combine our years of leadership experience and expertise into a concerted effort to respond to a cry for help from a number of the promising young leaders serving within Youth With a Mission. Those leaders were being called upon to shape this rapidly growing, international, interdenominational movement of Christians called to bring the whole gospel to the whole world. Though each of us desired to see YWAM succeed at the macro level, with all of its myriad of expressions, we shared an even more pressing passion to see this current generation of leaders adequately equipped to face the challenges of successfully stewarding their respective ministry locations. Having invested 30-plus years of service at the senior leadership level in one location, it was and is our firm conviction that any lasting leadership legacy can only be accomplished when those “to whom much has been given” graciously acknowledge and respond to the second half of this biblical mandate that “much is required.” L13 was forged in the fire of finding ways to pass on our life lessons and expertise in any way God might want to use them for the benefit of YWAM leaders. The end goal was to see the advancement of the kingdom of God globally. Since embracing that call 9 years ago, it has been our privilege to have assisted in training and coaching leaders in approximately 16 YWAM operating locations from the U.S. and Canada to far flung regions such as Cambodia, Taiwan, Costa Rica, and Barbados. Though some of the leaders we have had the privilege of serving are mature and experienced, the much larger percentage have been young, inexperienced , and, in some locations, first generation Christians. These God-called, amazing servants find themselves responsible for some of the most innovative ministry expressions we have ever seen, ranging from the foundational YWAM Discipleship Training School (DTS) to numerous other secondary expressions such as the School of Biblical Studies (SBS) and School of Community Development, just to name a couple. Because 2 of the 18 foundational values of YWAM are about being “visionary” and doing “new things in new ways,” there is no end to the creative ventures we have observed as these ministries explore how they can more effectively take the age-old gospel message and contextualize it to reach the cultures to which God has called them. The gospel is going forward to some of the least-reached areas of the world through creative approaches that include everything from very sophisticated English/computer education programs to AIDS orphan homes to micro business enterprise (designed not only to provide income streams for the local ministry but do so in a way that serves to generate financial support for full-time, indigenous workers). The challenge is that, in many cases, their remarkable effectiveness has become a double-edged sword. The accelerated growth these ministries are experiencing has outstripped the leaders’ knowledge and expertise as to how to keep the ministry healthy, thriving, and appropriately funded. These are wonderful challenges, but these leaders are often ill-equipped to navigate them. This is exactly the point at which L13 discovered that our year-long approach of coming along side these ministries has borne good fruit. Our expertise joined with their energy and desire to lead well has produced a winning combination. The tools we’re able to give them through our on-site visits as well as Skype coaching and mentoring has proven to be very effective in equipping them with understanding in areas such as organizational dynamics, healthy systems, and strong staff development. Coupled with our core value and commitment toward “developing servant leaders for lasting growth,” L13 not only encourages the leaders we serve but arms them with the confidence necessary to lead those whom God has placed in their charge so that the entire ministry can learn to walk in the footsteps of our great servant leader and master, Jesus Christ. Since its inception, L13 has been blessed beyond measure to add four more players to the team, Jason Howard, Lane Lackey, Veronica VanSchuylenburg and occasionally John Briggs. Each brings with them a skill set that has broadened L13’s ability to help in even more areas. Just over a year ago, L13 was delighted and blessed to be invited to make Mission Builders International its permanent home. When the opportunity first presented itself, it almost seemed like a no-brainer. The call of MBI, “So Others May Thrive,” seemed like a hand-in-glove fit with all that L13 desired to accomplish. Even though it seemed obvious, however, the final decision to join forces was only made after a great deal of prayer by all of those involved as well as a serious discussion with the wise and godly board of directors that serves MBI. At the end of the process, all were in hearty agreement that to add L13 to the MBI family was a match made in heaven. MBI’s call to the larger Mission as opposed to any one location is a call that we share together. As the times we live in become increasingly uncertain, we invite you to join your prayers with ours that MBI and L13 will find ever-widening circles of influence where our passion, “So Others May Thrive,” can be expressed in and through our Mission and ultimately to the ends of the earth.

Stop wasting your time on research and use the extra time to hit the gym! You need some advice? Contact one of the many personal trainers to schedule your next appointment and track your training, to show your trainer your consistency. If you’re fit already, sign in for one of the many sports events that Dubai has to offer! gyms & Events New in Dubai? Find new friends in a gym close to your home and register for the next event. If it’s a marathon or the Strongman competition… we will leave that up to you! Personal Trainer You struggle to go to the gym because you don’t know what to do or how to motivate yourself? Get a Personal Trainer to help you out, or to come to your home so you can get fit wherever you feel comfortable! Offers We know you like to get a good deal! We keep our eyes open for you and offer you exciting things to do. Why don’t you go to a free Yoga class or get a good deal on a deep tissue massage? Check it out!

A lot of times, experience has shown us that the small stuffs we ignore are the things that usually change the games. Hence our attention to the small stuff, scheduling of timelines and keen project management are the things that make us stand out from the rest. Above all, we are creative, while keeping a close eye on the calendar and your budget. Always Planning for Success If you want results, then plan it. Success doesn’t come by accidents or just luck. You must be prepared for it. And that’s what is referred to as PLAN. Over the years, we have found that the best way to get results is by conducting a diligent research for your company, its products/services, your competitors, target market and customer psychographics. Only after we fully understand you and your customers, do we recommend a plan of attack. Our Top-Notch Creativity We bring our diverse background of advertising, design, branding, public relations, research and strategic planning to work for you or your company. Not only will your products or services look great – it will get results. Yes, we have won awards for our work. But we don’t create concepts in a vacuum – they fit into the standards of your industry. And once we have a total picture of your company, its target audience and goals, we’ll create a detailed plan – that also includes a commitment to stay on budget and on deadline. Experts Only First Impressions is comprised of specialists with corporate and agency experience that hail from various backgrounds. As such, First Impressions will never assign second-tier (or gasp! third tier!) support staff to any account. Our team of experts are pure breeds in this industry and cuts across various countries of the world. Pricing Our prices are competitive and fair. There are no surprise bills. Any unexpected or additional expenses must be pre-approved by you. That’s how we would like to be treated, and that is how our clients are treated. Meeting Deadlines We have worked with select businesses and personalities in various industries for many years. Their rule – if we miss a deadline, we’re out. Period. They have some of the tightest turnarounds in the business – and we’ve never missed a single one. Award-Winning We’ve won the National and International Brand Communication’s Award on behalf of our clients for 2 times in the last few years since we started here in Nigeria, chosen from over 3000 entries. Work with us, and you’ll work with seasoned professionals – vigilant of deadlines, and committed to exceeding client expectations. Have any questions?send us a [email protected] Block 90, Flat 3, Opposite Funcare Royal Star Schools. Karu Site Abuja FCT Nigeria +234 802 7941 987 Rocket Sales is a global sales consulting and support firm that helps clients implement processes and disciplines to drive sustained sales and revenue acceleration. We use a holistic, science-based approach combining training, consulting, coaching, and diagnostics to help you get the results you want.

Spain has long been home to one of the most vibrant and amazing cannabis communities on earth. Cannabis is relatively easy to acquire, and it’s some of the best cannabis on earth. Unfortunately, Spain’s cannabis policies have yet to catch up to what is actually happening in society in the European country. Despite cannabis clubs being located in many parts of the country, they are still considered to be operating in a legal gray area at best, or outright illegal at the national level at worst. Medical cannabis policy is particularly wonky in Spain, in that there are licensed medical cannabis producers, however, they are currently only allowed to export their products or use them to supply research. Completely legal safe access has remained elusive in Spain, however, that appears to be changing soon, at least to some extent. Per LaCerca: The medical cannabis subcommittee of the Congress of Deputies has given its endorsement this Tuesday to the regulation of this substance for therapeutic purposes with the votes in favor of PSOE, United We Can, Citizens, PNV and PDeCAT, the abstention of ERC and Bildu, and the vote against PP and VOX. One of the most important novelties in the conclusions of the subcommittee is that the door is opened to the dispensing of medical cannabis in community pharmacies, as demanded, for example, by United We Can and more groups on the left. The PSOE has had to give in on this point, since they limited it to hospital pharmacies. The final text establishes that the distribution will be with magisterial formulas with standardized cannabis extracts or preparations, which should be delivered “from the health system pharmacy network, preferably in hospital pharmacies and exploring the alternative of community pharmacies that can meet the requirements. What is currently being proposed in Spain will serve as a band-aid versus being a comprehensive overhaul of the nation’s approach to medical cannabis. Even if medical cannabis products were available at every pharmacy in the country, the types of products being proposed, ‘standardized cannabis extracts and preparations,’ are only helpful to a small percentage of suffering patients. Furthermore, the list of qualified conditions currently being floated out there is very limited. A vast majority of patients are likely to keep going the same route that they have in the past when it comes to acquiring medical cannabis in Spain.

(Jeff Sorg, OnlineEd – Portland, OR) MLO licensees did not submit a renewal request prior to the December 31, 2012 deadline may have be able to request late renewal or reinstatement of their license. However, not all state agencies participate in this reinstatement period. For Mortgage loan originators (“MLOs”) who did not complete their (“CE”) requirements and who qualify will need to complete a late CE course between the reinstatement period from January 1, to February 28, 2013. During this reinstatement period, only those CE courses approved by NMLS as Late CE will meet this education requirement. When the course is completed during the reinstatement period, the education credit is retroactively applied to 2012 for 2013 license renewal. In states that do not allow late CE the MLS must apply for a new license. In these states, the MLO is required to satisfy the CE requirement for the last year of active licensure as part of the new license application. It is important for MLOs to know all of their state requirements when navigating the late CE process. Processing times for late CE are important to consider and should be calculated into the course completion deadline. A late CE course provider has 7 calendar days to report the course completion to the NMLS. The NMLS then takes up to 48 hours to process the completion after it is received from the provider. It then takes another 24 hours for a course completion to be recognized in NMLS and for their system to acknowledge the MLO as eligible for reinstatement. The safe bet is to complete Late CE not later than February 21, 2013. ### For more information about OnlineEd® or to enroll in their courses, please visit their web site: www.OnlineEd.com This entry was posted in California Real Estate, Mortgage and tagged late ce, mlo ce, mortgage broker ce, NMLS education, OnlineEd on January 2, 2013 by Jeff Sorg. About Jeff Sorg Jeff Sorg holds vocational and post-secondary school instructor licenses in several states and has authored numerous real estate continuing education and pre-licensing courses. Sorg is awarded the International Distance Education Certification Center's CDEi Designation for distance education. Memberships include ARELLO (Association of Real Estate License Law Officials), REEA (Real Estate Educators Association) the National Association of REALTORS®, Oregon Association of REALTORS®, and Portland Metro Association of REALTORS®. Awards and service include REALTOR® Emeritus; Life Member award; 2020, 2021, 2022 Chairperson of the Oregon Real Estate Forms Committee; Oregon REALTORS State Director. More on request. View all posts by Jeff Sorg → Post navigation ← Time is Running Out for Mortgage Loan Originators to Renew License (2011) 2013 Changes To Oregon Real Estate Education Rules →

Unless the items have been reserved by someone else the loans will be automatically renewed every week for a further 7 day extension. This will happen up to a maximum of 99 times. If you still need items after 99 consecutive renewals, please bring them to the Library Help Zone. If an item you have on loan is reserved by or recalled for another borrower, that item will not and cannot be renewed. Please return reserved or recalled items as soon as possible. If we send you a recall notice, please return the item within 7 days of the email notification. If reserved or recalled items are not returned and become overdue, you will not be permitted to borrow any more items and you may be charged for a replacement. If your item is no longer required for a reservation previously placed on it, it will not be automatically renewed but you can renew it yourself manually, in any one of the following ways: On the Library area in Brightspace, select Using the Library, then 'Check and renew loans' On mySearch, click on My Account On the self-service units, scan your ID card and select the Renew option Phone Library Enquiries, Monday to Friday 9am - 5pm. Tel: +44 (0) 1202 965959 Bring your ID card or the book to staff at the Help Zone. All the above applies to BU students and staff only. External and subscription library members may borrow books for one week plus one renewal of a further 7 days, provided the items have not been reserved. Automatic renewals do not apply. Our Visitor Loans page has more details.

United Claim Solutions (UCS), a leading Claims Flow Management and Medical Cost Reduction firm, is offering an aggressive alternative to PPOs; Medicare Plus repricing. Editor’s Note: To the best of our knowledge, there are six TPA’s operating in the Texas market that offer administration of non-PPO plans, using Medicare pricing as a claim reimbursement benchmark. We have identified four audit firms that provide backroom support, along with legal indemification services. TPA /Audit pricing varies. MyHealthGuide Source: United Claim Solutions (UCS), 9/20/2012, www.UnitedClaimSolutions.com PHOENIX, AZ — United Claim Solutions (UCS), a leading Claims Flow Management and Medical Cost Reduction firm, is offering an aggressive alternative to PPOs; Medicare Plus repricing. This solution provides a cutting edge option to clients interested in driving dramatic savings as compared to the typical Primary PPO network. It will also be offered as a solution for discounting Out-of-Network claims. As part of the program, UCS will provide support and advocacy to members that may require assistance in responding to provider inquiries. “We are seeing significant interest in this type of program, and feel we are positioned to provide a quality solution because of our success in working with providers through our negotiations and bill audit programs.” says Joshua Carder, President, UCS. “We also recognize that this service is not for everyone, and will work as a consultant to make sure the client is truly ready to take this step, including assisting in development of appropriate Plan documents.” About UCS UCS is an innovative Claims Flow Management and Medical Cost Reduction company providing cutting edge and customizable programs for TPAs, self-insured employers, unions, stop-loss carriers and health plans. UCS offers end to end services including Primary PPO Administration, Medical Care Management, EDI Claim Routing, Data Warehousing, OCR/Scanning, Out-of-Network Bill Repricing, Bill Audits, and Predictive Modeling. Contact Corte Iarossi at 602-393-4553(x120), [email protected] and visit www.UnitedClaimSolutions.com. Share Tweet Share This entry was posted on Sunday, September 23rd, 2012 at 9:38 am and is filed under Uncategorized. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.

Most people would say their car is one of the most valuable assets they own – if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. We don’t want you walking out your door to an empty driveway or leaving the local mall only to find some broken glass left behind in your parking space. So take care to avoid these five mistakes. Leave your car running – and unattended. We know it can be chilly in the mornings, and who wants to wait in a cold car while it warms up? Well, a thief certainly won’t mind the chill – as he’s driving away in your car while you’re finishing that cup of coffee in your kitchen. If your car is running, you should be in it. Period. Even if you’re just running over to the ATM to get some cash or dropping off some mail. Keep a spare set of keys inside the car. Law enforcement agencies say this is a great way to turn a car prowler into a car thief. They’re already breaking into your car to get a phone, or a laptop, etc. What do you think they’re going to do when they find a set of keys? They’re not going to drop them off on your porch with a nice note, that’s for sure. Put valuables in plain sight. Seems simple, but we’ve all made this mistake. You’ll just be in the store for a second, after all, so who cares if you leave your smartphone on the front seat? Or items from your other errands in the back seat? Be smart – if you have to leave items in your car, put them in the trunk, or at least hide them as best you can. And do it before you get to your next destination. Leave your car unsecured. The best thieves can work wonders with a window that’s left open even just a crack. And even the worst thieves can steal a car that’s been left unlocked, with no alarm set. Assume nobody would want to steal your car. Think your car is too old or too undesirable for a thief to bother? Scrap metal is worth money, so never assume that your car is safe – even if you think it’s just a “junker”. Keeping thieves away helps to keep everyone’s insurance costs down, so avoiding these mistakes not only will save you hassle, it will save you money as well. So stay safe, not only on the roads, but in the parking lots as well! Reposted with permission from the original author, Safeco Insurance ® Top image by Flickr user russellstreet used under Creative Commons Attribution-Sharealike 4.0 license. Image cropped and modified from original. Is your home as efficient as it could be? An energy audit can tell you 7 Ways to Improve Your Finances During Financial Literacy Month

Alabama Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Shelby County, Alabama – Marriage and Divorce Records Are you concerned that someone you have fallen in love with isn’t being 100% truthful with you? Maybe you have serious worries that your ex-wife has remarried your best friend, who disappeared at the same time she did? Maybe your fear isn’t quite so likely to engender anger, but rather sadness: maybe you are worried your daughter has actually eloped to another part of Alabama. Whatever your reasons for wanting to find out if someone is currently married or has ever been married, you will not need to explain yourself to the people that handle those records. This is because in Alabama, you can access these records at any time you like, and for any reason. Arguably even better is the fact that the Alabama DPH has all of these records on hand and ready – all that you will have to do is fill out the proper paperwork to get a copy of that record. To see a direct link to the paperwork you will need to fill out, please click here: http://adph.org/vitalrecords/index.asp?id=1562. This link is for marriage records. For the divorce records of Shelby County, or any other county in Alabama, visit this link: http://adph.org/vitalrecords/index.asp?id=1562. And also, just so you are aware of this now, these records are not free – they must be fetched and then printed by ADPH workers. Because of this, the first copy of any vital record is a $15 charge, and then another $6 for each copy after that.

I offer a free 15 minute phone consultation to discuss your reasons for seeking therapy and to determine whether I have the resources to meet your needs. Appointments: Currently, I offer remote appointments via phone or video. I utilize a HIPAA compliant video service which ensures that your privacy is protected. Due to licensing restrictions, I am only able to provide this service for clients located in the state of California. If you plan to use insurance: I am an in-network provider for UC Berkeley SHIP insurance and for Aetna. For those who have other insurance health plans, I am considered an "out-of-network" provider which means that your insurance company may reimburse you directly for some portion of the fees you have paid to me. I am happy to give you a monthly invoice that you can submit to your insurance carrier for reimbursement for the full fee payment at the time of the session. If you intend on using your insurance for reimbursement, consult with your insurance carrier prior to starting services to ask about your benefits if you choose to work with me. If you choose to not use insurance: You have the right to receive a “Good Faith Estimate” explaining how much your medical and mental health care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services. You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service. If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. ​Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call (800) 985-3059.

The My GMC Rewards1 unlocks a world of appreciation that’s focused on you and your vehicle. All created to deliver appreciation that gets better over time — from us, to you. GET IN Enroll now — it's quick, simple and there's no cost to join! Earning is easy, and new ways to redeem let you use your points, your way. Move Up Make your way to more benefits and exclusive offers, with flexible ways to move up through three membership tiers.2 Drive On Plus, accelerate how you earn with the new My GMC Rewards Card™.3 Your Points, Your Way. Earn and redeem points on most things you already do with GMC, including eligible, new GM vehicle4 purchases, most OnStar® and Connected Services plans,5 paid GMC Certified Service,6 and eligible GMC Accessories.7 Enroll Now EARN MORE TODAY AND EVERY DAY. Introducing the My GMC Rewards Card. Get 7 total points8 for $1 spent at GM and 4 points9 for every $1 spent everywhere else – all with no annual fee. Benefits also include 0% Intro purchase APR10 for 12 months (after that, variable APRs range from 17.99 to 27.99%.) Plus, Cardmembers enjoy automatic Gold tier2 membership in My GMC Rewards. Apply Now 1. My GMC Rewards is separate from My GMC Rewards Cards. For Rewards: Must be 18 years or older. Points may be earned and redeemed only at GM entities, My GMC Rewards participating dealers or third-party retailers in the United States (excluding Puerto Rico, the U.S. Virgin Islands or Guam). Points are not earned on taxes, fees or body shop repair orders and expire without further notice upon Member Account deactivation. For My GMC Rewards Cards: Cardmembers may earn and redeem points at participating My GMC Rewards Card dealers. Cardmember points are earned on qualifying purchases and do not expire. Points are accrued once per transaction and are not earned on taxes, discounts, rebates, incentives, cash advances or other cash-like transactions, balance transfers, ATM withdrawals, savings bonds, finance charges or fees. Some restrictions apply. Subject to credit approval. Visit mygmcrewards.com to view My GMC Rewards Terms & Conditions. 2. My GMC Rewards Membership tier is based on individual spend on GM vehicles, parts, service, OnStar and accessories, and My GMC Rewards Cardmember status and spend. See My Buick Rewards Terms and Conditions for more details. 3. Credit approval required. My GMC Rewards is separate from My GMC Rewards Cards. My GMC Rewards Card Program Rules apply. Goldman Sachs Bank USA is the issuer of the My GMC Rewards Card. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Goldman Sachs Bank USA, Salt Lake City Branch, is the issuer of the My GMC Rewards Card. GM is solely responsible for the operation and administration of the points program. For more details about the General Motors points program, including redemption options, go to mygmrewardscard.com. 4. In a calendar year, Silver Members are eligible to redeem up to $1,000 in points; Gold Members are eligible to redeem up to $1,500 in points; Platinum Members are eligible to redeem up to $2,000 in points. Cardmembers are eligible for unlimited redemption. Not compatible with some other offers, including the GM Employee Discount Program. Excludes the 2021/2020 Chevrolet Corvette and GMC HUMMER EVs. Dealer contribution may affect final consumer cost. Only available at My GMC Rewards participating dealers for Members; Cardmembers may redeem at any dealership. 5. Connected vehicle services vary by vehicle model and require active service plan, working electrical system, cell reception and GPS signal. OnStar links to emergency services. See onstar.com for details and limitations. 6. In a calendar year: Silver Rewards Members are eligible to redeem up to $175 in points; Gold Rewards Members are eligible to redeem up to $200 in points; Platinum Rewards Members are eligible to redeem up to $225 in points. Must be an eligible paid service or parts. Only available at My GMC Rewards participating dealers for Rewards Members. You may be a part of the My GMC Rewards Program without having a My GMC Rewards credit card. Cardmembers are eligible to redeem up to $250 per calendar year and can redeem points at the point of transaction at participating GM dealerships, or by using their My GMC Rewards Card to make an eligible purchase and logging in to mygmcrewards.com to redeem for a statement credit. Credit approval required. For additional terms, log in to mygmcrewards.com. 7. In a calendar year, Silver Members are eligible to redeem up to $175 in points; Gold Members are eligible to redeem up to $200 in points; Platinum Members are eligible to redeem up to $225 in points. Cardmembers are eligible to redeem up to $250 in points per calendar year. Members may redeem on eligible Chevrolet, Buick, GMC and Cadillac parts and accessories purchased through a My GMC Rewards participating dealership; Cardmembers may redeem through any dealership. 8. Subject to credit approval. Cardmembers will earn 7 points total for every dollar spent on the My GMC Rewards Card purchases at GM, less credits and returns. To earn on most OnStar and Connected Services plans, a My GMC Rewards Card online account is required. Points are accrued once per transaction and are not earned on cash advances or other cash-like transactions, balance transfers, ATM withdrawals, savings bonds, finance charges or fees. Please see Program Rules that are applicable to your Account for other terms, conditions, exclusions and limitations. 9. Subject to credit approval. Cardmembers will earn 4 points for every dollar spent on the My GMC Rewards Card on purchases outside of GM. Points are not earned on cash advances or other cash-like transactions, balance transfers, ATM withdrawals, savings bonds, finance charges or fees. Points are accrued once per transaction. Please see Program Rules that are applicable to your Account for other terms, conditions, exclusions and limitations. 10. 0% Intro purchase APR for the first 12 months as a Cardmember, after that, variable APRs range from 17.99% to 27.99% based on creditworthiness. Balance transfers: 17.99% to 27.99% variable APR. Balance transfers are not available at this time. Cash advances variable APR of 29.99%. Up to $40 late penalty fee. Rates as of October 1, 2022. Rates and terms here: www.marcus.com/gm-rates-and-fees.. The marks of General Motors, its divisions, slogans, emblems, vehicle model names, vehicle body designs appearing in this document are the trademarks and/or service marks of General Motors, its subsidiaries, affiliates or licensors. Goldman Sachs Bank USA, Salt Lake City Branch, is the issuer of the My GM Rewards Card. GM is solely responsible for the operation and administration of the points program. For more details about the General Motors points program, including redemption options, go to mygmrewardscard.com. Mastercard and the circles design are trademarks of Mastercard International Incorporated.

Live-Sex.cam is the largest databases with Lesbian girls on intercourse cam: you’ll not end up being disapointed with the help of our Lesbian gender cam items, picked on ideal lesbian webcam webpages, captaincams. Annoyed of normal pornography videos with Lesbians? Join the sexiest lesbian webcam treatment in your life with one of these hot ladies on Lesbian sex talk, an interactive lesbian sex enjoy! Lesbians broadcasting hot real time intercourse adult cams are manufactured available: they like when you’re watching them masturbate! These lesbian performers could make all sex dreams become a reality! All Lesbian cam series tend to be live, so we’re certain you may love watching the greatest lesbians on sexcams. Shopping for a lesbian sexcam hot as embers? These lesbian are often delicious, sooooo slutty, they will show you every thing, like their xxx hot butt, they’re available all passionate alone or as a couple of right in front her cam for erotic topless series and close lesbian sex, the screen cannot withstand the rise of temperature! Sexcam and happiness for the senses all at no cost Making use of a sexcam may now getting naughty, more voyeurs use it to possess fun watching stunning girls, actually extremely nymphos, but in addition, you may not understand sex cams? Maybe you have tasted they? Dip the penis and sometimes even stuff their tongue? Determination, you will test quickly all of these delights, we’re here to help you. Not difficult to appreciate and adopt the secret to success, sex and cam, simply speaking great and huge virtual gender which nearer to genuine intercourse, if you didn’t see, you can start to temperature the machine, amusing items may happen in your knickers girls and boys, whether on Livejasmin or Xcams. Plug in the sexy webcam. Opt for someone which enables you to vibrate, ce’s go total, you are in sexcam mode today! Embark on an attractive lesbian explain to you will not disregard Like by miracle, it is possible to hinder these lesbian bombs on the other hand for the screen, it really is as though these were currently during intercourse to you, around jiggling with envy, to jerk off or even to assault a tiny dirty variety of packed tongue and looking for clits. So? Want to know understanding a lesbian sexcam event? You can expect to keep in mind that the nude live chat may take a new sensual dimension throught the webcam, obviously to track down this girl, this pearl, this lesbian, this lesbian couple who will put closer to your wildest dreams and who can prepare yourself playing the game thoroughly, by yourself, or as one or two, you happen to be giving the tempo to your sensual program . The web is full of internet sites offering sexcams, but are going to be difficult to acquire networks that provide you with many lesbian sizes, crunchy and going for all erotic porno. That was unimaginable time before, we offer it on a platter. There are countless profiles, lesbians ready, indeed there, today, instantly to take action, everyone is inside starting blocks? The pussies on adult cams are for you personally, spending fun on line will probably be your newer routine, whether you are a lady or a guy, you’ll explode, view and just take a break from hell, the sexcam constantly provides the finest, say they really. FIND ANOTHER ONLINE WORLD : NUDE LESBIAN LIVE CAMS You’ll interact with the sublime naked creature on the other hand associated with monitor, move you to a gf, fireworks in viewpoint. Whether you’re a lady most attracted to lady, whether you are a guy, you certainly will constantly select the most slutty sizes, by far the most stunning web skills on our very own webpages to burst entirely and totally free, these lesbians promise and remain tuned for their mate of-the-moment for an ass period without taboos, without prohibition, just close sex with lesbian sauce, a sauce dyke elevated your very top when it comes to sexcam. You have to prevent jacking down their twat or polishing the column like beasts, sex and webcams are so well-connected, outstanding possible opportunity to see these lesbians available all moist before their particular heated cam, certain sweet little words traded, some politeness, a freaky invite when you eclipse collectively for a beneficial sexcam facts to truly explode and enjoy the butt along. The website is actually not even close to are straightforward gorgeous webpages with a few nude hostesses whom stand-in front of these webcam, it is a chance for one to kiss practically ladies just as hot and fashionable butt just like you, the sexcam are a reality today, therefore shag without counting in 2.0 . Bring safe, hook up to the webpages and release the lesbian Cam . Live gender webcam is among the most widely known porn webcamsex X web sites. Right here, you will discover tens of thousands of intercourse systems in live intercourse cams shows: women, Boys, Shemales (transgenders), Lesbians, Gays, Couples, Threesomes, kids, Cougars, Milfs, Matures, Grannies, beginners, . All these xxx cam designs cannot waiting to start their own videos sexcam to you. Nude cam hot babes and guys: they’ve been actual items sex survive sexcam 24/7. Web cam hard and gentle pornography, hot livesex and cost-free instantaneous forums, its on alive gender Cam, the very best of sexcam adult tv series: it’s a torrent of pleasure! Using the internet Voyeur reside Chat room with hot babes and beautiful kids is never ever very easy!

Since last 1 year, most of us have traded our denim, dresses, skirts, and dressy outfits for sweat pants, tracksuits, and comfy slip-on. But can we get rid of our wardrobe essentials forever? We do not know how long is this Pandemic going to last, But a wardrobe filled with essentials will make it easy for our to work from home routine and give us, well-founded foundations for stepping out and getting back into our Post covid-19 life. As the world is getting vaccinated and slowly resuming its normal routine let me give you a refresher for the wardrobe essentials that you will need to make your day-to-day life infinitely easy. I know most of us are clueless about where to start when it comes to building up the essential section of our wardrobe. The below list will serve as a primer. 1. The ever-versatile denim The world is currently living in their sweat pants and tracksuits, but can denim ever go out of style? Jeans have never gone and can never go out of style. Invest in high-waisted, straight-cut ice blue denim. This denims look good with multiple dressy and casual tops and can easily go with blingy, strappy slip-on or dad sneakers or even ballerina flats. Moreover, you can style your pair of denim with a day or night look as well. Pretty versatile right? 2. The Easy Tank The basic T-shirt is owned by all in-fact everyone has that one t-shirt in their wardrobe that they love and own for years. But isn’t basics T-shirts to done with? Come meet its sexier cousin. Nothing can beat the cool factor of a tank top. The tank top has an asymmetrical deep neckline and ultra-thin straps making it a perfect outfit for summers. It also body-hugging which helps us flaunt our curves. Pair this top with basic denim or baggy sweat pants or team it with a flowy skirt. I don’t think any closet is complete without this outfit. 3. From studio to street Leggings A trusted pair of comfortable black leggings are a must-have in our wardrobe. Do invest in the most comfortable and sexy-looking legging even though they are heavy on the pockets, because it will be the most important outfit in your wardrobe to fall back on. You can wear these leggings while running for your grocery shopping or while working out or styling it with a spring jacket or even teaming it up with a simple T-shirt for your Work from home. 4. For Dungaree Love Are you also one of those who love wearing Dungarees or a playsuit? Invest in a denim dungaree and it will never go out of style… You can either wear a simple T-shirt inside or wear it as is on a hot summer day. Or if you are a fan of experimenting just like us, team your denim playsuit with an off-shoulder top and some chunky dad sneakers and you are ready to rock this ever-chic outfit. 5. New Animal Prints As you might know animal print is very much in trend this season. Invest in a good animal print and on a bad day where you absolutely cannot understand what to wear this old animal print outfit will help u get out the door and get on with your day. Leopard print has been there for a long time and is now considered neutral but since a couple of seasons snake print is trending and let me tell you, it is here to stay. The print looks good in any shade and looks versatile with any kind of outfit, be it a dress or shorts or maybe even wide-legged pants. 6. The matching Co-ord Sets. Matching co-ords have been in trend for quite some time now and are largely popular with fashion bloggers and celebrities. The best part about co-ords is you do not have to hunt for what top should be matched with what bottom since you buy them as a whole set and once you are bored of wearing the same top with the same bottoms, you can mix and match it with other outfits to get more looks and styles. Sounds wonderful right? So save yourself some struggle and invest in some good co-ords and of course, there are matching set available for all occasions, seasons, and styles. 7. Statement blazers Basic silhouettes and colors for the blazer are so last decades… We all need that edgy look for work to make that impression right? Switch to a trendy silhouette with a color pop or go pastel. Both these blazers will do wonders for you for that extra something in the boring basic office look. Moreover, it is a great outerwear substitute when it is not cold enough to wear a full-blown overcoat. Also, you can never go wrong with a blazer for a zoom happy hour. Try a side tie-up blazer or an oversized one, or you could also go for a crop or a cotton blazer options are plenty. Also, you know girl where you need to shop for a trendy blazer. 8. Faux Leather staples We have our wardrobe staples which we can never give away and definitely cannot do without. But this season try giving your staples a leather update. Leather looks good in everything right from dresses to jacket to pants. Leathers are as easy to style as a basic white t-shirt and they add a texture and sheen to your garments and elevate your whole look. Trust me you will not prefer you’re basic once you get into the habit of wearing the beautiful leather staples. 9. Lounge wear co-ordinates. Seems like our runway designers have still not got out of their work from home comfort zone, so they thought why not design a few outfits to make you feel as comfortable as you are at home even when you are on the go. I know some of you may argue co-ordinates were doing the round even before the lockdown... But don’t you think the trend has picked up many folds since we have to socially distance ourselves? So this season invest in the baggy comfy lounge wear co-ordinates which are good enough to wear for your shopping sprees, Netflix marathons, lounging, and sleeping as well. If you ask me, I would go for pastel colours, it would perfectly go with the spring colors as well. 10. Day to night Midi- dress Well, a long strappy midi dress is so versatile that it is as good as a blank canvas. Accessorize the look well and it can be an evening gown, it could also be a beach dress as well as a day outfit. The length makes this dress extremely comfortable to wear indoors for a family brunch and even for a walk on the beach or a cocktail night with your girls. There are so many silhouettes and prints available to choose from and the best part about these dresses is they never go out of style making it a perfect outfit to invest in. If I were you I would invest in a pastel-colored floral or leaf printed strappy dress. 11. The quintessential boots Saving the most important one for the last. There is a reason why Olivia Palermo to Bella Hadid simply love chunky lace-up boots They are chic edgy and practical. These boots can give a fiery edge to simple denim and T-shirt look. It can also make a simple dress stand out. But I know it's spring and a lot of us think boots are for autumn & winter, but we could not be more wrong. Boots give an outfit the rockish vibe, this spring-summer season do not be afraid to pair your favourite boots with shorts or a strappy dress. After all, Jessica Alba also did opt for a sleeveless dress with studded booties proving no matter what the season is your confidence and style matters the most to pull off those booties in summer. This brings me to the end of this blog Let me know your thoughts on it and how it helped you in revamping your wardrobe? Also, do tell us what would you like us to blog about next?

When you dine with friends and family at a Buckhead Life restaurant, you share so much more than a meal. We believe dining out should always be an experience to remember, from a casual croissant at Corner Cafe to supreme steaks at Chops Lobster Bar. Stepping into one of our locations is like entering a new world, each with its own style, atmosphere and flavor. Though their differences make them unique, they all share the core Buckhead Life standards that make them equally excellent. Kyma Kyma is a contemporary seafood tavern with an inventive yet approachable menu that is true to its Mediterranean origins. The dazzling constellation display on the deep blue ceiling, white marble columns, and bold fresh fish display are dramatic yet suiting for the modern Greek dining experience. Our menus offer pristine seafood that is delivered and prepared every day. The food menus are paired with an extensive wine, cocktail and ouzo list. Fresh, healthy food (including full vegetarian and vegan menus), attentive Mediterranean hospitality and festive atmosphere await at Kyma. Lamb Shack Chef Pano opened a ghost kitchen at Kyma in January 2021 to serve his beloved pitas, which he has enjoyed with his family, friends, and staff for many years. Lamb Shack redefines Greek fast food by providing an upscale twist on build your own pitas by using fresh, healthy, high quality ingredients. With every bite you take, you’ll feel like you’ve been transported to Greece.

21-year old striker Alhaji 'Andriano' Kamara scored twice again to help Norrköping to a 3-1 home victory over Halmstad in the Swedish top tier league on Sunday. The Sierra Leonean international accounted for his goals in the 20th and 67th minute respectively before he was substituted in the 71st minute. It's the second week in a row the Sierra Leonean international has netted a brace after he accounted for Norrköping's two goals in a 3-2 away defeat to Elfsborg October 19. Kamara who scored one of Sierra Leone's two goals in a 2-1 win against Chad in a 2018 World Cup qualifer almost two weeks ago has now taken his goal tally to six in the ongoing Swedish league. Sierra Leone were however eliminated on the away goal rule. Norrköping's victory has seen them maintaining top spot in the Allsvenskan table with 63 points from 29 matches. But Norrköping will be equalled in points with Mohamed 'Poborsky' Bangura's AIK Solna if the Stockholm based club record a win over IFK Göteborg on Monday.

In the event you very own an Apple iPad two, you must read through the ideal iPad application opinions. They offer you an idea of the brand new and well-liked applications. Currently being an Apple consumer, you have to have up-to-date know-how during this subject, which works perfectly with all the graphic of the Apple iPad owner nick patrocky! So, want to be a sensible and “in” Apple gadget proprietor? Continue reading and have a glimpse on some well known iPad applications offered. RDP – Remote Desktop In case you own Windows Computer, together with your iPad, this app can establish to be a boon for you. You could conveniently log in to the Personal computer and use it just everywhere, anytime! You’ll be able to test your mails though touring or check selected documents in the travel like you were being in your own home in front of your desktop. The application performs well above a 3G or wifi link. For slower link, you’ll be able to keep away from graphic use. This is certainly certainly one of the ideal iPad apps for those who travel at good deal. Password It retailers, encrypts, and systemizes your password as well as other own specifics. Furthermore, it automates log-ins for various internet websites and facilitates other world wide web expert services. This app has acquired among the top iPad app assessments simply because it truly is great for storing financial institution account details, credit rating card figures, ATM PINs, and many others. For iphone and Mac buyers much too, this app is great. Instapaper You’ll find times while you are searching the net and you also appear across a fine short article. Alas, you may have no the perfect time to browse it! Because of Instapaper, it is possible to simply click a “bookmark let” on the web monitor. The report might be saved at Instapaper.com. You could retrieve it when you get time to read through the post. Great, just isn’t it? No wonder, it is really amongst the most popular iPad applications! Pages of Apple This has received one of the most beneficial iPad application assessments. This app is condensed phrase processor, with total features; it expenses you fewer than $10. It enables you to definitely generate, structure content material, edit, and insert charts and pictures, and much additional. You may transfer items through your fingers and alter their sizes by pinch within your fingers in the course of the layout approach. This application has the aptitude to variety documents in formats suited to both equally Mac and Microsoft Phrase consumers. iBooks This application will be the favourite of e-book lovers. It’s got a neat evaluate much too! In reality, it really is obtained amongst the most beneficial iPad app reviews. You obtain a web-based e-book library. You may acquire or download books conveniently and browse them both on Mac, Blackberry, iPad, or apple iphone. The iBooks application is frequently free of charge and has massive collections of publications that cater to various interests.

An exciting new study shows that being a marijuana lover can make you believe you’re doing better in relationships than you actually are. Although this may be unsurprising to some, things get juicier when the circumstances are revealed. Namely, Rutgers University and Mount Holyoke College researchers observed the effects of cannabis use in stressful situations, that is, when couples are trying to resolve big conflicts. The study followed 145 couples where one or both partners consumed weed. The couples were filmed discussing a major source of disagreement in their relationship for 10 minutes. Then, for five minutes, partakers were asked to converse on a subject they both agreed on. Meanwhile, researchers measured both partners’ stress responses (heart rate and breathing) and collected data on their cannabis use. All this allowed them to reach the following conclusions: Regular cannabis users were likelier to encounter problems in terms of conflict navigation and stress-response flexibility than non-users. They also tended to withdraw from the argument and show signs of negative engagement (e.g., blaming and criticizing) more. But when cannabis consumers were asked to describe how they thought the argument went, their perception of the argument’s progress and the outcome was exactly the opposite of how researchers perceived it. In short, they thought of themselves as more successful at resolving the disagreement. So, even though cannabis makes you more attuned to sexual pleasure, it can also make people unaware of how poorly they’re doing in an effort to overcome differences in a relationship. Despite this, experts agree that the study results can’t describe cannabis as either good or bad for the relationship. They only point to the cannabis consumers’ potential unawareness of the problems existing in the relationship and their extent. About the Author Marija Kovachevska Marija is a content writer, biochemist, and communications associate for several nonprofit organizations. After earning her bachelor’s, she worked as a scientific writer before engaging in the world of nonprofits—first as an English translator and an activist, and later, as head of communications. In content writing, she finds the perfect stimulus for her curiosity and aptitude for research, as well as a way to deploy her linguistic creativity for the purpose of better understanding.

The Egyptian Tax Authority (ETA) is considering imposing a hot money tax on the stock exchange to protect investment flow, despite reservations expressed by a number of experts. Tax Authority President Ahmed Refaat told Al-Masry Al-Youm that the ETA is studying the issue, saying the proposal would be presented to Finance Minister Samir Radwan for discussion and approval after it is vetted in community discussions. Refaat went on to say that the study includes controls to protect stock market investment flow as well as foreign investors entering or leaving the market. Refaat refused to disclose any details regarding the value of the proposed tax, when it might be levied on stock shares, or the regulations for securing transactions. Nabil Abdul Raouf, an accounting lecturer at al-Shurouk Academy, said the ETA should review the history of tax policies on the Egyptian exchange, pointing to a similar proposal made by ETA Chairman Ashraf al-Araby in 2008, which the ministers of finance and investment rejected. Egyptian Exchange Chairman Mohamed Abdel Salam, who is also chairman and managing director of Misr for Central Clearing, Depositary and Registry, said he did not expect any taxes to be imposed on stock investment returns. Abdel Salam told Al-Masry Al-Youm that imposing taxes on stocks would pose a serious risk to market investments under current circumstances, especially since on average trade does not exceed LE500 million. Financial expert Talal Tawfiq warned of the risks involved with imposing taxes on the market, especially since it is facing a liquidity crisis after losing billions due to the country's instability. Officials halted trading on 30 January due to unrest that caused the market to fall 16 percent to LE70 billion since protests started on 25 January. Tawfiq anticipated any protective tax would be rejected once again as it is regarded as an investment deterrent, although he acknowledged there was a global trend toward imposing hot money taxes.

By focusing on passenger needs and public-private partnership, Brighton and Hove has doubled the number of bus journeys in 20 years. Figures reveal that the total number of single passenger journeys using all eight operators in the city have soared from 22million in 1992/3 to 44.8 million in 2012/3. 18 June 2013 - Sustained private and public investment in services has contributed to making it easier and more convenient for people. City council head of transport Mark Prior said: “We work with our partners to provide a network that offers good choice, is easy to use and convenient. More people choosing to use buses will also help to reduce the city’s carbon footprint.” Recent features introduced to ease bus travel include a network of priority bus lanes on key routes, such as the Western Road/North Street corridor and the A259 coast road and Real Time Information signs at bus stops that let people know when buses are due. There are also talking bus stops for the blind or partially-sighted. Hopping on a bus is just the ticket in Brighton and Hove. Brighton and Hove Bus Company managing director Martin Harris said: “It has been a big success because we work hard to ensure the bus services respond to what people want and working in partnership means we can achieve so much more.” Andrew Dyer from Stagecoach South, said: “Our continual investment into new vehicles, smarter ticketing, more frequent services and the introduction of the concessionary fare scheme alongside improvements made by the council, has encouraged more people in the area to use the bus.” Tom Druitt from the Big Lemon Bus Company, added: “It’s wonderful to hear that more and more people are using the buses…I look forward to working with the city council and the other operators in the city to make the buses more and more convenient, affordable and sustainable.”

I’ve always enjoyed consuming and processing information. As a pre-teen boy in small-town Iowa I spent weeks creating a fantasy baseball leagues from scratch – the draft process, the point system, everything. I didn’t share with anyone…and I remember it as great, a time of flow and fun! So why share? Brandon’s Baseball League had notebooks of rules, modifications, scores, learnings, and general organic messiness…and they are all gone. Today a few minutes of digital photographs would capture the information, but a minimal amount of presentation/documentation effort would be needed to make it understandable to my future self. My current self is lazy…so putting ideas in public is an attempt to force some amount effort on presenting (and not just slapping everything into Evernote/roam/binders). I will take what I’m learning, consuming, processing and make it understandable to my future self (and maybe other people). Understandable is required, but not enough to be useful. Useful will be up to future me (or maybe other people). Not on a social platform? For me the public pressure for understandability is high enough that it’s not a goal to be read by anyone in particular nor a certain number of readers. I plan to review my words later and I have no interest in a platform influencing me when I look at my own works. So I went to the hassle of spinning up WordPress (which I don’t love). My preferred workflow starts in emacs…and right now I haven’t invested in making it easier to get to WordPress 😉

The Balcones Springs’ property was originally owned by ranchers Ted and Elvira Hiney. When owner Christine Baskin purchased the property in 1993, the only things on the property were an old two-story ranch house, a storage barn, a small cinder block building, and Lake Ted, a private 10-acre lake dynamited by Ted when his daughter asked for a swimming pool. Shortly after purchasing the land, Christine and her small but mighty team set about making their mark through design, food, and authentic hospitality. Today Balcones Springs operates year-round as a children’s summer camp and wedding & event venue. PEOPLE The Retreat at Balcones Springs was conceived and created by owner Christine Baskin. As a mom of three (Katie, Annabelle, and Mac), Christine always put an emphasis on travel, even when her children were small. Throughout their adventures, she kept running into the same issue: why is it so hard to find high end, quality destinations that cater to the whole family? This sentiment served as the foundation for her vision for the property. Christine wanted a new form of leisure to take place that would allow everyone – no matter your age – to enjoy nature, eat delicious food, have fun, and relax. Christine is a dog lover, food enthusiast, and word class hostess with boundless amounts of energy. STAFF The Retreat team has grown quickly since 1993. Today, The Retreat is a team of more than forty people operating forty-five cabins, a kitchen, bespoke events, a barn, and 200+ acres of nature. Our caring, professional, and talented staff work tirelessly to maintain the magic of The Retreat.

Archives Select Month March 2020 December 2019 November 2019 November 2018 October 2018 September 2018 August 2018 April 2018 February 2018 December 2017 November 2017 September 2017 July 2017 June 2017 May 2017 March 2017 February 2017 January 2017 December 2016 November 2016 October 2016 September 2016 August 2016 July 2016 June 2016 May 2016 April 2016 March 2016 January 2016 December 2015 November 2015 October 2015 September 2015 August 2015 July 2015 June 2015 May 2015 April 2015 March 2015 February 2015 January 2015 December 2014 November 2014 October 2014 September 2014 July 2014 May 2014 April 2014 March 2014 February 2014 January 2014 December 2013 November 2013 October 2013 September 2013 August 2013 July 2013 June 2013 April 2013 March 2013 February 2013 January 2013 December 2012 November 2012 October 2012 September 2012 August 2012 July 2012 June 2012 May 2012 April 2012 March 2012 February 2012 January 2012 December 2011 November 2011 October 2011 September 2011 August 2011 June 2011 May 2011 April 2011 March 2011 February 2011 January 2011 Categories Categories Select Category AI Audio Awards Blockchain Client Comment Consumer Tech Crowdfunding Culture Digital Events Gaming General Global Knowledge Mobile New Hires Smart Home Speaking US VR Wearable Tech Wins Tag Archives: social media Will social media cause the end of the world? In short, no. Let’s explore further though. This question and similar were present at Social Media Week 2016, alongside the overarching theme of the ‘invisible hand of social media’, referring to algorithms, bots and next-level targeting that follows us around our favourite websites like a friend that you thought you liked, but now can’t stand. It’s annoying right? But, not the leading cause for the demise of the world as we know it, surely? Well, no. Something unnerving is happening though. Let’s talk about Brexit (again). Cast your mind back to the way that you voted, in or out. Have a think about how you made your decision. For many of us, that included chatting to friends and colleagues, reading the papers on our commute, googling “what happens if we leave/stay” and of course, checking our social news feeds. Around 2 billion people are on Facebook, checking it 14ish times a day. With the latest algorithms, when you check your feed you’ll only see posts from your fav people. Great, right? No. This is awful. Most the time you surround yourself offline and online with people you like. People who have the same values and opinions as you. How many of you culled your Facebook when you saw people with the opposing view, slapped there as their status? Or were shocked when the vote didn’t go the way everyone you know wanted? This is the equivalent of turning up at a meeting, telling everyone your idea and everyone saying “Exactly what I thought, nothing to add. Let’s go for it.”. Whilst, this sounds beautiful (it really does), imagine that happening every single meeting. It’s so one-sided and unchallenging. Whilst this emperor-has-no-clothes style is fine when you share personal updates, it’s scary when wider issues are shared in just one light. Facebook is incredible and as a Digital marketer, I’m a fan. However, they are moving to be an all consuming platform that you’ll never need to leave, the ‘new internet’ was a comment heard last week. Let’s just hope they continue to address the issue of curation, as they seem to be. Who’s the real saviour in this end of the world scenario? Firstly, you. Everyone has a responsibility to themselves at the least to explore multiple angles before making a decision. Secondly, Twitter or one of the newer social media platforms like Snapchat. This might be the moment where the rest of the attendees from Social Media Week disagree, as it’s been widely reported that Twitter’s growth is struggling. However, it remains an organic channel, with limited curation and censorship (Hi, Donald Trump) and frankly, the one place you can access breaking news and a flurry of different opinions.

May has been another busy month for the Branch. April 27 the Spring Rally was held in Bellevue. This was an informative and well-planned day attended by both the Branch and the Ladies Auxiliary. After a joint opening ceremony by President Yvonne Willoughby and a delicious lunch, the ladies adjourned to their meeting and the Branches conducted the business as outlined in the agenda. Please find a synopsis attached. The big take away is that every executive in District 6 is expected to review together the role of each member of the executive and secondly Medicine Branch #17 will be hosting the Spring Rally in 2020. The Legion Literary Poster 2019 entries were returned at the Rally. The cheques and certificates were delivered to the schools in Medicine Hat. A total of $750.00 was presented to our students. Participation was down in Medicine Hat as it was across the Province. Teachers have a wonderful opportunity to visit the Veteran Affairs Website and use the many teaching resources made available to them and their students. Hopefully, more students will be entering next year as this is a wonderful opportunity for teachers and students to understand and learn more about the sacrifices made by our members of the Canadian Armed Forces. May 4th was a busy day as in the morning I was invited to attend for 11AM a wreath laying ceremony at Robertson Memorial Veterans’ Park. This ceremony was followed that evening by the Veterans’ Dinner which was held in the Ortona Room. The guest speaker was Albert Enns accompanied by John Hart. Albert shared his personal experiences as a member of the United States Military during three tours of duty in Viet Nam. Albert painted a graphic and heart wrenching picture of life in Viet Nam as a member of the military. Many thanks on behalf of all present for Albert sharing this interesting and tumultuous time in our history. An estimated 12,000 Canadians served in combat roles in Vietnam and reportedly at least 134 died. Albert Enns was presented with the golden lapel pin by the United States Government for his service in Viet Nam. May 10th, I left for the 51st Biennial Convention AB/NWT Convention held in Drumheller. I attended workshops on Alberta Gaming, Honors, Awards and By-Laws, Poppy and Internet Banking. The good news is we are following all the rules so far for gaming and Poppy. The Honors and Awards Workshop was very informative and will be very helpful. We need to all become more familiar with the manuals and the numerous awards that a Branch can award to recognize members and non-members for their worthwhile contributions to the Branch. The resolution to allow Peace Officers, Fire Fighters and Paramedics to be considered as Ordinary members was defeated. The resolution by Command to appoint a treasurer was defeated and there an election was held to fill the position. The resolution to approach Dominion Command to amend Article 130(b) to read “The financial year for all poppy accounts be the calendar year.” And to amend Article 612(a) read “Provincial Commands are required to submit annual audited statement of the Command Poppy Trust Fund Account for the previous fiscal year by 31st March of each year. The resolution to allow for the use of Poppy Funds for repairing and enhancing Legions was defeated. Donating money from the Poppy Fund to the Food Banks, or Meals on Wheels is not permitted. Support for necessities for Veterans can be taken from the Poppy Fund. The Branch Kitchen has been kept very busy not only at lunch time and for meals on Friday and Saturday evenings but also for special events such as birthday parties. Our customers continue to praise the quality of Diane’s cooking and the variety. The Pizzas continue to be a popular item as are her fish and chips and homemade soups. Decoration Day and cleaning of the headstones is fast approaching. June 1 at 9:00 we will start the cleaning in Hillside Cemetery and the actual ceremony is June 2 commencing at 11:00AM. If you are part of the ceremony, we recommend being there around 10:30. Medicine Hat Stampede is just around the corner. The Branch is presently selling tickets on the $10,000 Legion cash draw. If you would like to volunteer for the pre-sale or to work in the booth during the Stampede, please contact the Office for further information. Parade Day at the Legion will be special this year as not only are we offering a special lunch of BBQ Beef on a bun, baked beans and coleslaw for only $7.00. We will have music and for those who have always wanted to line dance we are offering instructions from Medicine Hat’s finest Medicine Hat Veiner Line Dancers. Save this date and come on down and join in the fun.

To be eligible for admission to a coterminal program at Stanford, you must be a current undergraduate student at Stanford and meet the following minimum requirements: A minimum of one quarter overlap between your undergraduate and graduate programs. This means that there must be at least one quarter where both your undergraduate and graduate careers are active. If this is not possible, you should either: Postpone conferral of your undergraduate degree until after your coterm graduate program is matriculated/activated, or Apply via the external graduate admissions process. Please note that if you apply through this route, you are considered an external graduate applicant, not a coterm applicant. As such, coterm policies would not apply (you would not be able to transfer courses between your undergraduate and graduate careers), and you may be required to submit additional materials for the external graduate admissions process, such as GRE scores. Completion of 120 units towards graduation (by the intended entry term) as shown on the undergraduate transcript, including credit earned from transfer credit, Advanced Placement exams, and other external test credit. Completion of six non-Summer quarters at Stanford (by the intended entry term). If you are a transfer student, the minimum requirement is two non-Summer quarters at Stanford. Declaration of an undergraduate major. You may apply to one coterm program per quarter, and may not apply to another coterm program until the admissions process for the initial application has been completed, including your response to the offer of admission (if admitted). Be sure to check the website of your intended coterm program for any program-specific eligibility requirements.

This garden stool would be a wonderful addition to all types of home décors with its lovely spin brushstroke design and colorful blue & white palette. It serves many functions whether it's a small end table, additional seating, or a plant stand, this stool will complement your interior or exterior space in a number of ways. Size (inches): 13"W x 13"D x 17"H Indoor & Outdoor Use ​​*Each piece is skillfully handcrafted. Minor variations and imperfections in color, shape, size, glaze, etc. are part of the character and beauty and are not considered a manufacturing defect. The Artisan blends traditional Eastern culture with timeless, sophisticated, transitional style and elevates a room's distinctive appearance to give it that WOW! factor. We begin by handcrafting and hand painting our porcelain in family workshops still using a time-honored technique and skills only passed down generationally. High-fire porcelain makes it waterproof, and weatherproof. It also allows for more vivid and unique colors. Our products are made piece-by-piece, never mass-produced.

Galax Dulcimer/Melton Family Tradition – “Galax Style” is the term given to cover a type of dulcimer and a style of playing from the southwestern area of the state of Virginia, in particular the playing of one family in and around the area of Galax – the Meltons. This dulcimer style dates back to the mid-1800s and is one of the oldest in the history of mountain dulcimers predating the dulcimer revival which started around the 1960s. On October 30, 2018, Bridgewater resident Phyllis Gaskins shared her story of how she fell in love with the Galax Style dulcimer, and how it became her passion to preserve and share this style of music for generations to come. Phyllis brought her collection of Galax dulcimers, and presented a slide show of history, and making of the instrument. Phyllis is the ultimate authority on Galax duclimers and their history, though that is nothing that she set out to do! So our club experienced a unique opportunity to learn first hand from the acknowledged expert! To learn more about the Galax dulcimer, see Dulcimentary: Jacob Melton – Galax Dulcimer on YouTube: https://www.youtube.com/watch?v=1k8RVC3eJt0, playing on a dulcimer from Raymond Melton. Raymond played in the first Fiddler’s Convention in Galax, 1935. If you are interested in another traditional instrument, Tennessee Music Box, Stephen Seifert demonstrates that here: https://www.youtube.com/watch?v=XeSq_LGXen0, played with a noter and a turkey quill.

maleHub.tv is the best free Chaturbate replay. See free videos of your favorite men and trans in high-quality! Bisexual, tranny, transexuals, gays or orgies. Here you have video replays of the best cam sites: MyFreeCams, OnlyFans, Chaturbate, etc. You will find the best amateur on-spot live orgasms. Don't watch the forced performances put on by professional actors, who show off their perfect bodies. Get ready for another level of realistic sex with no limits! Your favorite men and trannies in actions with no interruptions If you want to see again an adult webcam show, live sex or naughty webcam actions, this is the sire you are looking for! Do you want gay videos in HD quality? Or transexuals in orgies? And what abount bisexual couples? You can find all that in maleHub.tv. Never again an action will pass by. If you’ve missed it live, we will bring you free video cam replays of cam websites including Chaturbate, Myfreecams and OnlyFans. Everything you'll find here: bisexual couples, chaturbate videos, myfreecam video, cam irl, myfreecam mode, cam video, gays, transexuals, trannies, free video download, strip chat, onlyfans, manyvids, anal and more!

An essay is basically, by definition, a written piece that provide the author’s argument, but this definition is quite vague, often overlapping with that of a short report, an essay, a book, an article, and even a short narrative. Essays usually are categorized as either formal or informal. Formal essays, published in academic journals and professional journals of similar levels tend to be quite structured in character, whereas casual essays, usually written for amusement or as a class assignment, are more open in character and therefore are less structured. A fantastic essay will be an interesting read, however there are a few aspects of good essay writing which can be pointed out to assist authors and editors select the best essay to your mission. One of the most essential facets of essay writing is your introduction into the essay. This is the point where the author sets up his or her case in such a way as to lay out what delivery paper jobs the essay is about and why the reader should be interested in reading it. Normally, an article begins with an article topic, which will be a in depth look into the nature of this essay. The essay topic ought to be considered as the central point of this essay and it should be properly developed through the whole essay. The opening is the first part of the essay, while the closing follows suit. Another aspect of essay writing involves the use of various styles. Various types of universities lend themselves to different styles, which means that one could write an essay that are extremely formal and one that is quite a bit more casual and free-flowing. When it comes to the usage of adjectives within an informative article, the most frequent mistake that many students make is overloading them. As an instance, if a student wants to write an essay that refers to a particular solution, brand, or perhaps type of individual, he or she should limit the use of adjectives into the barest of necessities. A good rule of thumb for article writing is that there should be only two adjectives used in every 100 words, but this might not be a hard and fast rule. The objective of the article is to give information on the topic, not supply descriptions of everything in the article. 1 thing that lots of people don’t understand when they are writing an article is the importance of an introduction. The introduction is the thing that draws the reader into reading the rest of the essay. A successful introduction will give readers a clue regarding the subject matter of the rest of the essay. It’s important to include some sort of opening announcement at the beginning of the essay, while it’s a thesis statement or even an introduction. The thesis statement should explore what the main subject of the essay is all about. The end is also an significant part a essay. The end is what sums up the topic sentence and could be composed in one of 3 ways. The conclusion must relate to the main thesis statement or the thesis statement consists of the ending of the essay. It can be a simple paragraph summing up the points of this essay or it can be a longer piece that comes with a quote from the main body of this essay or a decision that ties into the main points. 1 thing which lots of people do not understand about the construction of an article is that there are several distinct kinds. There are a thesis statement, the entire body of this article, the conclusion and many additional paragraphs. In order to compose an essay that is well composed, it is crucial to adhere to a particular format. Each of the paragraphs must flow logically from one to another. An introduction must be the very first paragraph of all those paragraphs so as to set up a start. After the introduction is finished, the entire body of this essay is composed of five paragraphs. These paragraphs should all discuss the thesis statement or some central idea of the full essay. The conclusion paragraph is really where the most information about the subject is given but it doesn’t need to be composed in a means that’s identical to the other paragraphs. For example, if the essay discusses the use of data, the decision could chat about how the use of data has been affected by social factors like race or culture. After the introduction, there’s a two-third of this essay that includes the body of the essay. This component should be composed in such a way that it builds on the previous paragraphs and clarifies new thoughts as they relate to the topic of the essay. It’s a great idea to write a few drafts of this essay and to discuss it again to make sure the essay matches the subject and also the style of writing that’s desired. When all this is finished, there is no limit as to how long the essay could be or how many times it can be corrected, revised or even pinpointed.

Looking to extend your practice’s reach to new digital arenas? These three apps may not be considered traditional medical marketing tools, but they can help you bolster your online brand. When you think of social media platforms like Instagram and Snapchat, you probably associate them with selfie-snapping millennials and narcissistic celebrities — not medical professionals. But, perhaps surprisingly, mobile apps can be a great way for doctors to humanize themselves and their practices, and to propel their online brand. And there’s no better time to capitalize on these trendy apps and cultivate a mobile presence than now: according to PwC, the number of consumers with mobile health apps downloaded on their phones has doubled in the past two years. Meanwhile, 72% of 18-44 year olds are open to communicating with physicians over a digital device in lieu an in-person visit. Interestingly, while “doctors remain the most trusted source of medical information, trusted by 95% of consumers,” reports Makovsky, consumers who conduct health-related searches online actually value ease-of-use over perceived trustworthiness. So it would behoove savvy doctors to embrace these mobile apps, which promise inviting interfaces and high functionality, in order to cultivate their online presence and reach a larger swath of potential patients. Instagram According to Locowise, not only does Instagram have stronger user growth rates than Facebook or Twitter — its posts see 31% and 80% higher engagement, respectfully. It’s also an outstanding way to showcase your medical practice's personality with a behind-the-scenes peek at your business and staff. Additionally, Instagram allows you to automatically post images to both Facebook and Twitter, effectively broadening your social media reach with just one click. Once you’ve expanded your influence over multiple platforms, you can zero in on specific target demographics by hashtagging highly searched, relevant health-related terms or phrases. Snapchat Snapchat is the ultimate selfie app of the millennial age, and marketers across industries are beginning to pay it heed as a serious marketing tool. On a daily basis, Snapchat’s 100 million users view more than 7 billion videos, en route to overtaking Facebook’s 8 billion videos viewed per day, reports Forbes. And with Nielsen’s recent announcement that it will now track Snapchat ad performance, signs point to the highly trafficked app’s huge potential as a worthwhile marketing investment. For doctors, Snapchat offers the benefits of both intimacy and urgency to communications: “snaps” disappear from the app after 24 hours, so followers feel the need to tune in frequently so as not to miss important updates. Additionally, you have the option to publish a Snapchat story publicly to all your followers, or to respond individually to snapchats from patients (in either text or picture form). First Opinion First Opinion could be described as “the Uber of medical advice.” Patients send medical queries into the app, where they are matched with a doctor who responds within five minutes. For doctors, First Opinion provides incredible public exposure, and, as the New York Times notes, patients often build long-term relationships with their matched physicians. There is a rigorous application process — reportedly about 1 in 10 physicians are accepted — but for those who are accepted, the public credibility is invaluable. Whether you adopt Instagram, Snapchat, First Opinion, or all three — consider the virtues of these user-friendly apps to scale your business and give a human face to your practice.

The logistics real estate market has become far stronger than many had expected. Disci­plined supply has been a key factor, but elevated and consistent demand has been just as important. The industry has a breadth of demand drivers linked to a range of industries, economic and demographic factors, and structural drivers. Our research reveals the following: An end-to-end view of the supply chain finds higher and more consistent growth closest to major consumption centers. Industry demand drivers fit into three main categories: daily consumption, cyclical spending and structural trends. Healthy growth across all three categories of demand drivers supports a robust outlook for logistics real estate. Among customer industries, the continued recovery of the housing market and rapid expansion of e-commerce should have a particularly positive impact on logistics real estate demand. These trends affect customers’ real estate decision-making. With additional context of supply chain and customer trends, the strength of logistics real estate demand comes into focus. They also increase the confidence in continued strong and healthy growth. INTRODUCTION Logistics real estate markets are strong. Disciplined supply has been a hallmark of the logistics real estate expansion, but healthy and sustained demand has been just as important. Pointing to the combined effects of economic growth, pent-up demand from the Global Financial Crisis, and e-commerce only oversimplifies what drives the industry. This paper addresses four key questions aimed at clarifying the current expansion: What types of logistics real estate buildings and locations are the most in demand? What are the fundamental trends driving demand? What are the highest-concentration industries among logistics real estate users? What is the outlook for growth? By delineating industry drivers and studying their components, a clearer industry outlook emerges. 1. WHAT TYPES OF LOGISTICS REAL ESTATE BUILDINGS AND LOCATIONS ARE THE MOST IN DEMAND? Buildings close to end consumers and those that can handle a high volume of goods are the most in demand. Supply chains, and the logistics real estate they require, are highly diverse. At their core, supply chains are the result of the need to optimize for increasingly high expectations of customer service (product variety, fast delivery) and cost (labor, transportation and real estate). As a result, supply chain configurations vary significantly from customer to customer. A comprehensive view of supply chains reveals distinct implications for logistics real estate. Supply chains help match batch manufacturing with distinct consumption at various locations and times. Among the many factors shaping supply chains, four stand out: E-Commerce and changing consumer habits. Beyond fast and free shipping, consumers also want variety and the best prices. Retailers that can compete at this level will make the supply chain a competitive asset that drives revenue. High service level expectations for brick-and-mortar. Multiple long-term trends in the retail industry, such as just-in-time inventories and SKU prolifer­ation (greater product diversity), have coalesced over the years to raise the importance of supply chains and their real estate. E-commerce has also changed habits and raised expectations for the in-store experience. Together, a greater appreciation for the capabilities enabled by and the cost-saving opportunities of the right real estate have elevated this level of decision-making to the C-Suite. Complex supply chains. Most supply chains remain long, although there are incidences of re- and near-shoring, which are regularly re-evaluated to optimize service and cost. Network strategies, and the real estate they require (e.g., location, size), changes. The agility and flexibility offered by data and predictive analytics. Knowledge of the location and velocity of products as they move through the supply chain allows for better planning and execution. It also allows for greater contingency planning and risk management. These trends are producing the following changes across the real estate landscape: Evolution at the production end of supply chains. Optimal low-cost manufacturing locations move as wages rise. The distribution space that supports them must relocate, too. Consistency across the consumption end of supply chains. As distributors look to increase service levels and expand e-fulfilment networks, they are moving closer to consumers, into buildings in or near major population centers. On a market level, this shift creates an anchor for demand: population centers are static even as optimal production locations change. On a building level, this end of the supply chain must adapt to a wide range of distribution and delivery requirements. Higher demand growth at the consumption end of supply chains. The growth of e-commerce has led to new classes of facilities, including Last Touch® and return centers, in addition to support networks of import and regional distribution centers. Evolving size requirements. The need to handle a high volume and velocity of goods continues to support demand for mid-sized and large modern logistics facilities. Recently, outsized growth at the consumption end of the supply chain has created more demand for infill facilities (generally, smaller or mid-sized) in major population centers. At this end, location is typically more important than building specifications, and some older, less functional buildings, while not ideal, are perfectly serviceable. 2. WHAT ARE THE FUNDAMENTAL TRENDS DRIVING DEMAND? Despite broad diversity among customer industries, the fundamental drivers of growth across logistics real estate fall into three categories: Daily consumption. Customers in this category serve peoples’ basic daily needs. These businesses include food and beverage, fast-moving consumer goods and apparel. Demand growth in this category stems from population growth and supply chain modernization. Cyclical spending. This category includes customers that facilitate big-ticket consumption: residential construction, home goods (appliances, furniture and housewares) and autos. Demand growth in this category also follows population growth, but links to economic and consumer cycles, as well. Structural change. This category includes customers in industries undergoing a structural change. The two main examples are e-commerce and healthcare. E-commerce continues to grow at multiples of general retail sales as consumer preferences change; supply chains are still being established and broadened. Healthcare is an emerging driver, fueled by the aging populace, and includes the distribution of medical equipment, devices and supplies, and pharmaceuticals. Together, these three fundamental drivers generate demand for logistics real estate throughout economic and real estate cycles. During periods of recession and slow economic growth, daily consumption and structural change continue to lift demand despite weak sentiment elsewhere. Past cycles have shown that well-located and institutional-grade facilities take share from less desirable properties. In economic expansions, such as in the current economic climate, cyclical spending can amplify demand growth and lead to big expansions in the market that often necessitate additional development. In the next section, we highlight key logistics real estate industry concentra­tions that derive growth from these demand drivers. 3. WHAT ARE THE HIGHEST-CONCENTRATION INDUSTRIES AMONG LOGISTICS REAL ESTATE USERS? In the U.S., logistics real estate is largely occupied by movers and sellers—those who transport goods across the country and those who purvey them into businesses and homes. Looking at economic concentrations is one way to understand what leads these organizations to grow. Prologis Research has developed the Prologis Logistics Real Estate Quotient (LREQ)TM, a measure of the relative concentration of industries compared to the broader economy. Exhibit 3 shows the share of U.S. GDP by economic component, the share of Prologis square footage by corresponding customer industry and the ratio of these two shares: the Prologis LREQ TM. Several clear economic concentrations stand out. This comparison reveals outsized concentrations in goods consumption (3x), auto (3x) and housing (5x), which includes residential construction (3x), home goods (7x) and appliances (6x)—all space-intensive—as well as transportation and distribution. Logistics real estate is less exposed to certain categories—manufacturing and government spending, for example. This LREQ accurately reveals space-intensive categories that, when combined with an understanding of fundamental demand drivers, illuminate the potential for continued growth. 4. WHAT IS THE OUTLOOK FOR GROWTH? A positive demand outlook is supported by supply chain trends, housing normalization and healthcare. Daily consumption is set to expand at a steady pace, translating to a strong outlook for logistics real estate demand. Industries such as food and beverage, consumer products and apparel account for nearly one-third of logistics real estate customers. While the economic climate may influence decision-making around the leasing of space, actual requirements are tied closely to population growth. In the category of cyclical spending, the housing market still has room to normalize. This will drive demand in multiple ways. One way is through the growth of the construction industry. These customers handle the raw and finished materials used to build or remodel homes. They have become more active lessees of logistics real estate in the past two years. Yet, the housing recovery is still in its early stages. Prologis Research estimates that housing starts need to rise by 30% to reach a level consistent with demographic growth. In addition, new household formation fuels demand growth from home goods customers. These customers store, transport and sell the items—appliances, furniture and housewares—used to furnish homes and apartments. While a factor, the gradual recovery of the housing market is only part of the story. The lingering effects of the Global Financial Crisis and social trends (such as millennials choosing to start families later) have weighed on the number of households formed in recent years, creating pent-up demand. Now the largest generation at about 95 million, Millennials are entering their 30s, a life stage associated with marriage, home-buying and family formation.1 This demographic shift should allow for increased household formation and demand for home goods in the coming years. An early cyclical outperformer, the auto sector may downshift. These customers mostly distribute wear items and spare parts for the existing auto fleet, but a small portion also distributes materials for initial production. Use of the auto fleet, represented by miles driven, is the basis of demand for auto industry customers. In 2017, vehicle miles driven reached an all-time annualized high of 3.2 trillion miles.2 However, the trajectory of auto sales impacts logistics customer confidence in leasing decisions. Looking back at this cycle, auto sales recovered early, which coincided with strong leasing. At the same time, parts distribution supply chains were being reconfig­ured to accelerate service levels. Looking ahead, growth in the auto industry may decelerate, although the temporary impact of events such as Hurricanes Harvey and Irma will produce replacement demand for autos in the short term. In the medium term, parts distribution is as important as ever with more than 260 million vehicles on the road, but slowing sales may affect sentiment and moderate the pace of supply chain expansion.3 E-Commerce is adding tailwinds to consumption-driven demand. E-commerce includes pure-play online retailers, existing brick-and-mortar retailers with omni-channel strategies and consumer-direct wholesalers and manufacturers. With consumers increasingly using the internet and mobile devices to purchase the goods needed for everyday life, e-commerce sales have grown at a multiple of overall retail sales since this data has been tracked. This growth has a particularly powerful impact on logistics real estate demand, as e-commerce customers currently use three times the logistics space of a brick-and-mortar retailer.4 E-commerce supply chains extend from regional distribution to Last Touch® deliveries, generating broad-based demand for logistics real estate at each stage. While this multiplier will decline over time as customers become more efficient and cannibalize brick-and-mortar demand, we believe that e-commerce is still in its early beginnings. E-commerce should generate strong demand for the fore­seeable future. In the U.S., e-commerce sales comprise only 18% of core retail sales, illustrating the potential for further disruption.5 This segment is poised for robust growth as shopping habits continue to shift online, and will be further energized by Millennials, who are entering their peak spending years. High volumes and compressed delivery times are fueling the need for both modern big-box distribution space and Last Touch® distribution facilities. Healthcare is a growing structural force. Logistics real estate customers in the healthcare industry distribute medical equipment, medical supplies, pharmaceuticals and healthcare consumables. Healthcare expenditures, boosted by population growth and the aging of the Baby Boomers, creates demand from healthcare customers. With medical systems investing in new facilities to treat a greater number of patients, demand for medical equipment and supplies has likewise grown. From 2005 to 2015, U.S. healthcare expenditures increased by nearly 60%.6 Although healthcare currently represents less than 5% of the logistics real estate customer universe, demo­graphic trends point to continued expansion.7 CONCLUSION Most logistics real estate demand is firmly rooted in the basic daily needs of consumers. As the foundation of demand, steady population growth should support continued expansion of domestic supply chains by a broad range of customers. Several trends add upside to this outlook: Normalization of the housing market, which will drive elevated demand from residential construc­tion and home goods customers. E-commerce and rising service levels, which will deliver consumer goods directly and quickly, in turn supporting expansion at the consumption end of supply chains. An aging population, which will drive demand from customers distributing medical equipment, pharmaceuticals and supplies to expanding healthcare networks. Although demand from the auto sector may eventually slow, taken together, these shifts in the logistics real estate customer base result in a net positive and robust outlook for future demand. FOOTNOTES U.S. Census Bureau, Prologis Research< U.S. Federal Highway Administration, Prologis Research U.S. Department of Transportation, Prologis Research Prologis Research calculations based on major retailer companies’ financial filings, websites, and news articles and eMarketer published figures

If you’re wondering why I’ve been writing posts so close together, it’s not because I lost my job again (I haven’t), I’m just in a bipolar mixed state, so throughout random times during the day, I’ll have bursts of energy, even if it’s drowning in some form of depression. But I want to talk about something fun to see if other writers are as anal about their writing spaces as I am. I am very much into cute culture, so everything on my desk is pretty much cute and pink and pastel or just outright cool looking. I have more desk pieces, actually, and posters I’d love to hang, but they’re in a storage unit. I’ll likely collect them soon since I don’t want anything happening to them, and I’ll keep them in the closet until I graduate PT school and my husband and I get our own place. Anyway, this is what my desk area looks like: So you can see I have a lot of little decorative items because I don’t do any work in that space. If I want to handwrite things, I’m usually chilling in my bed, and sometimes I’ll work on my laptop in my bed. It’s all cutesy stuff. (I should definitely do something with that space above my computer monitor, shouldn’t I?) I also recently brought out that butterfly panorama light-up thing because my nights haven’t been so great–or I haven’t been doing too well at night. The mixed states just get worse, so the light and the butterflies are rather comforting and keep me from harming myself. I have an even more close-up version of all my little trinkets: The little cat set-up I purchased during a manic phase. It was just irresistibly cute, but it makes for great desk decor. It’s from Calico Critters, and I honestly wouldn’t mind purchasing more things and actually building up a collection. You can also see I pretty much adore cats, from the cat keychain on that pink binder to the cat sitting on the card with the cherry blossom tree to the cat pen to Hello Kitty to the aqua-blue squishy cat and of course the Calico Critters themselves. Hidden behind my computer monitor in the previous pic is a golden good luck cat I purchased in China Town in New York. In the previous pic, I also have a cat mug a personal training client purchased for me for Christmas. She also gave me a matching pencil case. Now here’s a close-up of an original piece of art I purchased from my former place of work: I am absolutely in love with this piece, as you can tell by the opaque heart I put on it. It’s a cherry blossom tree, and cherry blossoms are my favorite types of flowers (even though I have never personally seen one). And this piece was inexpensive, which was absolutely shocking. I think it was $35.00. It deserves to be so much more, but since the artist left no information about her, I could only guess she simply wanted people to enjoy her work without spending copious amounts of money–though I never judge artists who do demand high prices. Art supplies aren’t cheap, and their labor is valuable. And what makes this piece so special? It’s the only one, and I will ever be its only owner, until I pass it down to either my niece or nephew, whoever is an art appreciator. Now for the last part of my desk space: Yes, I hung up my Certificate of Admission to the University of St. Augustine. I’m just so proud of getting into this university because I never saw myself going to grad school, let alone getting a doctorate in the sciences. It’s also the only school I applied to, and I had to work really hard to make sure I got in the first time. I had to tailor both myself and my application to convince them that I was/am the right fit for this school. I have to believe I will make a great physical therapist. As for the little ballet trinket tacked to the wall, I’m sure that’s supposed to commemorate the birth of a baby, but I bought it to celebrate the year I got en pointe, which was 2012, also the same year I started ballet. It was a big deal to me because I thought it’d take several years for me to get en pointe, but it only took 10 months, so by the time I decided to switch from private lessons to group classes, I was already in grade 4. So there’s my writer’s space, styled in all its glory. Now I want to see yours. bipolar mixed episodecalico critterscat loverscherry blossomsoriginal art workstyling a writer's spaceuniversity of st. augustinewriter's deskwriter's desk inspowriterswriters and catswritingwriting desk Eulogy for My Cat Eulogy for My Cat January 28, 2018 by amberskyef ♥ 0 Leave a Comment It’s been another long while since I’ve blogged on here. My last post was July 13th, which was a mere week before my cat, Neko, had to be put down. That’s when the drive to tap into my limbic system just fizzled out. The words weren’t there. The feelings were overrun by ways of keeping myself distracted–throwing myself into my job and throwing myself into my schoolwork. If you’ve never felt the affection of a pet, it’s hard to understand the despair you undergo. I’ve lost loved ones, but considering I didn’t even see them yearly, their passing was nowhere near as devastating as losing my cat. And I can’t know what it’s like to lose a child. I’m not interested in ever having children, but I can tell you the loss of my cat has left a deep crevasse in my heart so unscalable that crampons and miles of rope won’t help. Some people like to think the love of an animal is shallow. They only enjoy your presence because you feed them. That’s not the case at all. When I moved out, I didn’t take Neko with me because I didn’t want to force her into an environment she would be unfamiliar with, so I left her with my parents. Yet, even though my mom had always fed her, her affections were tied to me whenever I visited. Her audible purring was enough to let me know that my presence made her happy. She was never a lap cat, but she always loved to be near me. And I’ve been using the excuse for so long that I don’t have enough time to write the third book in The Stars Trilogy, when, in reality, it’s been hard to write it because she is no longer here. I wrote the first two books with her always at my side. She was a constant fixture in my writing life, and writing, frankly, is not the same without her. I have started the third book, of course, 500 words a day at a time, but my writing life feels so empty because she is no longer here to purr by my side, to lay on my notes, to beg for pets when I’m just trying to type something. Even when I moved out and left her with my parents I cried for a week because I missed having her near me so badly. I missed waking up and she wasn’t there to greet me. Eventually I accepted her absence, as I knew she was much better off with my parents. But it’s been five months since we had to put her down because she may have had stomach cancer, and accepting that she’s gone is not any easier. I still cry a few days a week at night when I’m in bed by myself because my husband comes to bed a little later. And I always tell myself that if something ever came along and said it’d grant any wish in exchange for my soul, I would wish to have her back and have her live forever so that even when I pass, she can go on to bring someone else joy, and she can go on to keep experiencing the world in a different way with each person she lives with. Even as I type this it’s hard to keep back the tears. I’m so bitter that she died too soon. She was twelve, and while some may argue that’s plenty, there are many cats who live a few years longer than that and some into their twenties. In fact, not only did we put my cat down last year, we also had to put down our little dog who got to live to be sixteen. And while I grew up with that little dog and spent more time living with her than without, her death just could not affect me the way my cat’s did. You can bond with an animal the same way you can bond with a person, and it is so, so incredibly painful when that bond is severed by an untimely death that is so cruel and unfair. I wish I could believe suffering was meaningful, but it’s absolutely meaningless. I don’t know to what extent that she suffered–only that she did. I can tell you that the day my mom and I put her down was the worst day of my life. And I’ve been run through the gamut of things. Her death was so painful because she fought the vet every step of the way. She hissed and growled and spat, and I couldn’t even hold her as she fell asleep and they delivered the final injection that put her down for good. I screamed and cried and apologized to her all the while and couldn’t believe the nightmare I was experiencing. I cried the whole day. I cried for weeks after. What kept me together was just being distracted. This world can be such a cruel joke, giving us the ability to feel so deeply that we’re paralyzed when our minds experience something inconceivable. And her death was and will always be inconceivable because why did I have to lose her so soon? How come I didn’t get to see her death miles away like I did with our little dog who was able to die of old age? We had another dog, too, who got to die of old age. And if my mom reads this, hopefully she won’t mind me admitting that she told me she would have preferred our little dog to go before Neko–and it’s only because she was old and showing signs of old age and Neko arguably was not old and was certainly not showing signs of old age. If she did have stomach cancer, it’s a type of cancer even young cats can fall prey to. She’s occasionally in my dreams. Mostly I dream that she appears out of nowhere, as if her death was just a game of hide and seek. In these dreams, I hold her close to me and cry tears of joy that she isn’t truly gone. And then I wake up with a feeling of emptiness knowing that will never come true. I do have moments where I want another cat. My parents have two cats now named Gracie and Tessa. Gracie’s a cuddle bug, and Tessa’s still new and so is distant from everyone, except when her and Gracie play. So I’m much more familiar with Gracie than I am with Tessa, and even though Gracie melts like putty when you hold her, I realize that my affections for Neko will never be replaced. I visit my parent’s house and yearn for her to appear out of nowhere. She’d probably be angry and jealous that I’m holding another cat, but I think she’d eventually warm up to the idea of living with two other cats and would hopefully become close to them. I just wish I had more years with her. I thought one day I would be able to take her with me once my husband and I moved somewhere that accepted pets, but now that can never happen. I’d like to be both more emotionally and financially available before considering adopting a kitty–and I’d want two so that they’re not alone when my husband and I are at work. There’s no magic way of coping with the death of a pet. Being distracted was the best thing for me. I honestly didn’t think I’d be able to survive at work, but it’s the one thing that kept me going. I know if I didn’t have work to go to, I would have initially spent my time alone at home crying all day. I didn’t even think I’d have the emotional faculties to survive anatomy and physiology, but I’m so driven to achieve my purpose in life that I don’t think there is anything in this world that can stop me. When there are moments when I can’t stand how horrible it is that she’s no longer here, I try to remind myself that I’ve got a lot of love in me to give to many a deserving cat out there. So I just have to keep chipping away at the obstacles in life in order to provide the best life for my future hypothetical cats. If there’s an expensive surgery that can mean the difference between saving its life or having to put it down, I want to have the means to be able to pay for that. Before the vet claimed Neko may have had cancer, I thought she just hadn’t started eating yet because the antibiotics hadn’t fully cleared an undiagnosed infection from her system. Or she was just so stressed about being force fed that she couldn’t bring herself to voluntarily eat. I was willing, at that very moment, to dip into my savings and pay for her to have a feeding tube (the most expensive option) if it meant giving her the chance she deserved. I was not going to have her put down just because she wouldn’t eat. It wouldn’t have been fair to her. It would have just been too cruel. But whatever she was going through was far crueler. It saddens me deeply when I think about how I couldn’t have ever possibly understood to what extent she felt the pain and misery of whatever illness she was infected with. It saddens me whenever I think about how scrawny she was on her very last day, how she had no energy, and how she barely meowed, even when I called her name. She was a normally chatty cat who loved to meow and purr and jump and run, and she wasn’t any of those things on her final day. It saddens me even more to think of what she must have been thinking as the vet held her down and stuck needles in her. She hated the vet. Always did. She was a tyrant whenever we brought her, and the vet would have to wear gloves and need the help of a vet tech. So it was no surprise she reacted horribly when being put down. But it doesn’t make it sting any less. It just makes everything worse because she must have felt deeply betrayed. If there’s an afterlife, and if there’s one for animals, I hope she knows how deeply remorseful I am that I couldn’t do anything for her. I hope she knows just how much I loved and still love her. I hope she knows that I wanted to do everything possible to save her, but at the end, there was nothing that could. Mostly, I just want her to know that she was one of the best things that could have ever happened to me. If it hadn’t been for a boy breaking my heart when I was a freshman in high school, my parents likely would not have adopted her. Then I would have missed out on so much by not having her in my life. And who knows what choices I would have made in life had I not had the influence of an affectionate cat? Because I know her love has made me a better person, and I want to keep existing in this world with her love influencing how I live my life. I am who I am today because she influenced a part of me very deeply, just as there are many positive people in my life who have influenced me and guided all the decisions I’ve ever made. And I promise to keep living with her positively influencing me. catsdeath of a peteulogy for my cathow to cope with the loss of a cathow to cope with the loss of a petI love catslove for catsthe stars trilogywriterswriters and catswriting

ROME (AP) - MotoGP rider Loris Capirossi announced Thursday that he will leave Ducati at the end of this season and join Suzuki. The Italian driver signed a one-year contract with Suzuki, with an option for 2009. "I'm pleased with these five years at Ducati because they were exciting seasons and we won some great races together," Capirossi was quoted as saying by Italian media. "But the time has come to change and try something new. "I have to thank Suzuki, which has welcomed me with a lot of enthusiasm and promised me full support. For now, though, the important thing is to finish this season well because until December I'm still a Ducati driver." The 34-year-old Capirossi won the 250cc title in 1998 and the 125cc title in 1990 and 1991. He is eighth in this season's MotoGP standings with 77 points. Ducati teammate Casey Stoner of Australia leads the standings with 221 points. Last week, Italy's tax agency announced that Capirossi is under investigation for alleged tax evasion - the second Italian rider to face such a probe after an inquiry was opened into seven-time world champion Valentino Rossi. Source: [url=http://www6.autonet.ca/Motorsports/Story.cfm?Story=/Motorsports/Motorcycle/2007/08/16/4423118-ap.html]SLAM! Sports[/url]

Pirates were seen missing some sitters in their 2-0 victory over Black Leopards on Wednesday evening, with Justin Shonga in particular coming under fire therefor. The Buccaneers, however, ultimately managed to see out a massive victory that took them three points clear at the top of the Absa Premiership table despite the frustration in front of goal. Lorch, who bagged the man of the match award for his instrumental role in attack, defended that they cannot score all the shots they take but will eventually get there as they continue working with finishing coach Stephane Adam. “Ja, I think it’s important to use those opportunities, but we can’t score all those opportunities – surely, we’ll at least get one or two,” said Lorch. “But we’ll keep on practicing in the training ground with coach Stephane doing finishing, and it will come alright. “We’re always doing extra training, maybe even Friday we’re going to have a finishing session but, like I said, it’s not all going to come now – but it will come.” Having bagged his 13th goal of the season across all competitions, the 25-year-old insisted he has not set any target for himself but is merely focussing on helping the team now maintain their run that could see them lift the league title soon. “Ah, no. I will just take it one game at a time, if [the goals] come then it comes. I’m not going to say, ‘I want to score how many goals,’ I just have to focus on each game as it comes and not put pressure on myself.”

The network will sponsor the following types of activities (all of which are open to participants not only from the network, but also external): Competitions Fujitsu Linked Open Data para España 2015. This year Fujitsu is organising an idea competition connected to the area of Linked Data. The deadline to submit ideas is May 25th 2015. More information at http://www.fujitsu.com/es/linked-open-data-2015/. Events Young Scientists, open data and culture (18/04/2015, http://www.zaragoza.es/api/recurso/cultura-ocio/evento-zaragoza/137779): This session was focused on the members of Zaragoza's children city council. During the session, they learned about Citizen Science and participated in an experiment where they helped evaluating the linkage of two Linked Data sources: Zaragoza's street data source, available in its open data API (www.zaragoza.es/docs-api/), and the open data portal of the Spanish National Library (datos.bne.es). "Exprimiendo los portales estadísticos" (19/06/2013): thirteenth briefing of the data journalism working group in which will participate, among others, Oscar Corcho, OEG member of the UPM. The session will take place at the Media Lab Prado in Madrid. More information here. Open Hack Day Data Bilbao (22/2/2013): The purpose of this conference is to share briefly what Linked Open Data is and gather a group of enthusiasts in working groups to create a new dataset and/or design and deploy fast and simple applications that link and use open data. The event took place at the Faculty of Engineering of the University of Deusto and the details of the results of the day are available on opendataday.deusto.es. Introductory talk and demos within Beer for Science initiative (1/12/2011): it will take place in FNAC center, Alicante. More info here. Interview in radio program La Linterna - COPE Alicante here. General introduction from minute 10:30. Focus on Linked Data from minute 19. Meetings and Workshops At these meetings, whose normal duration will be of a day or a day and a half, there will be activities for the dissemination of work in the area of Linked Data from the participants, through oral presentations, poster sessions and demos, and tutorials. There will be also specific workshops focused on content creation. First General Meeting (6-7/06/2011) Program: the meeting was held at Facultad de Informática, Boadilla del Monte, Madrid, starting at 12:00 on Monday June 6th and finishing at 16:00 on Tuesday afternoon. Workshop en Tecnologías de Linked Data y sus aplicaciones en España (Caepia 2011): complete information about the workshop in the following link. VoCamps These are meetings whose purpose is to generate lightweight ontologies on a priori selected domain. More information about the format of these events: http://vocamp.org Maratón de creación de mapeos para la DBpedia en español (3-4/11/2011): complete information in the following link. II Jornadas esDBpedia, December 14-15 (14-15/12/2012): complete information in the following link. Linked Data meetups Informal meetings in public places, dynamically organized at the initiative of any member of the network, and very open to participants who are not members of the network. Can operate in stand-up comedy (where people are telling you lift and what they are doing) or a bit more organized, with cannon and screen for presentations, according to the facilities characteristics used. Open Data Hackathon (3/12/2011): in the context of the 2nd international open data hack day. More details and registration to be announced shortly. The event will take place in ElSite, De las Pozas, st. , 2, Madrid. Further information here. Open Hack Day Data Bilbao (6/7/2012): The purpose of this conference is to share briefly what Linked Open Data is and gather a group of enthusiasts in working groups to create a new dataset and/or design and deploy fast and simple applications that link and use open data. The event took place at the Faculty of Engineering of the University of Deusto and the details of the results of the day are available on opendataday.deusto.es. Courses List of courses coordinated or taught by network members. Oportunidades de la Web de Datos (Linked Data) en España: coordinated by Óscar Corcho within the summer courses of the Universidad Politécnica Madrid. The course will be taught july, 20 and 21. Further information: http://www.upm.es/cursosverano Course brochure in pdf format. Archives and record management to the semantic web: directed by Javier Nogueras (University of Zaragoza) in summer courses at the University of Zaragoza. The course was held from 16 to 18 July 2012. More information http://catedralogisman.unizar.es/teaching/courses/detail.dot?id=7908 Linked Data course: taught by Asunción Gómez-Pérez and Oscar Corcho within the training on Linked Data developed by datos.gob.es. The course took place on November 29. More information in the link (another link).

And Balaam said unto Balak, Build me here seven altars, and prepare me here seven oxen and seven rams. And Balak did as Balaam had spoken; and Balak and Balaam offered on every altar a bullock and a ram. And Balaam said unto Balak, Stand by thy burnt offering, and I will go: peradventure the LORD will come to meet me: and whatsoever he showeth me I will tell thee. And he went to an high place. And God met Balaam: and he said unto him, I have prepared seven altars, and I have offered upon every altar a bullock and a ram. And the LORD put a word in Balaam's mouth, and said, Return unto Balak, and thus thou shalt speak. And he returned unto him, and, lo, he stood by his burnt sacrifice, he, and all the princes of Moab. And he took up his parable, and said, Balak the king of Moab hath brought me from Aram, out of the mountains of the east, saying, Come, curse me Jacob, and come, defy Israel. How shall I curse, whom God hath not cursed? or how shall I defy, whom the LORD hath not defied? For from the top of the rocks I see him, and from the hills I behold him: lo, the people shall dwell alone, and shall not be reckoned among the nations. Who can count the dust of Jacob, and the number of the fourth part of Israel? Let me die the death of the righteous, and let my last end be like his! And Balak said unto Balaam, What hast thou done unto me? I took thee to curse mine enemies, and, behold, thou hast blessed them altogether. And he answered and said, Must I not take heed to speak that which the LORD hath put in my mouth? And Balak said unto him, Come, I pray thee, with me unto another place, from whence thou mayest see them: thou shalt see but the utmost part of them, and shalt not see them all: and curse me them from thence. And he brought him into the field of Zophim, to the top of Pisgah, and built seven altars, and offered a bullock and a ram on every altar. And he said unto Balak, Stand here by thy burnt offering, while I meet the LORD yonder. And the LORD met Balaam, and put a word in his mouth, and said, Go again unto Balak, and say thus. And when he came to him, behold, he stood by his burnt offering, and the princes of Moab with him. And Balak said unto him, What hath the LORD spoken? And he took up his parable, and said, Rise up, Balak, and hear; hearken unto me, thou son of Zippor: God is not a man, that he should lie; neither the son of man, that he should repent: hath he said, and shall he not do it? or hath he spoken, and shall he not make it good? Behold, I have received commandment to bless: and he hath blessed; and I cannot reverse it. He hath not beheld iniquity in Jacob, neither hath he seen perverseness in Israel: the LORD his God is with him, and the shout of a king is among them. God brought them out of Egypt; he hath as it were the strength of an unicorn. Surely there is no enchantment against Jacob, neither is there any divination against Israel: according to this time it shall be said of Jacob and of Israel, What hath God wrought! Behold, the people shall rise up as a great lion, and lift up himself as a young lion: he shall not lie down until he eat of the prey, and drink the blood of the slain. And Balak said unto Balaam, Neither curse them at all, nor bless them at all. But Balaam answered and said unto Balak, Told not I thee, saying, All that the LORD speaketh, that I must do? And Balak said unto Balaam, Come, I pray thee, I will bring thee unto another place; peradventure it will please God that thou mayest curse me them from thence. And Balak brought Balaam unto the top of Peor, that looketh toward Jeshimon. And Balaam said unto Balak, Build me here seven altars, and prepare me here seven bullocks and seven rams. And Balak did as Balaam had said, and offered a bullock and a ram on every altar. Numbers Chuck Smith Bill Stonebraker Damian Kyle Don McClure Joe Focht Lloyd Pulley Malcolm Wild Mike MacIntosh Raul Ries Sandy Adams Numbers Chuck Smith 7 Bill Stonebraker 7 Damian Kyle 18 Don McClure 9 Joe Focht 16 Lloyd Pulley 20 Malcolm Wild 9 Mike MacIntosh 10 Raul Ries 6 Sandy Adams 8 Lloyd Pulley Numbers 1:01-4:49 Numbers 5:01-9:23 Numbers 9:15-10:36 Numbers 11:01-11:35 Numbers 12:01-12:16 Numbers 13:01-14:45 Numbers 15:01-16:50 Numbers 17:01-18:32 Numbers 19:01-20:13 Numbers 20:14-21:35 Numbers 22:01-22:41 Numbers 23:01-23:30 Numbers 24:01-24:25 Numbers 25:01-26:65 Numbers 27:01-29:40 Numbers 30:01-30:16 Numbers 31:01-31:54 Numbers 32:01-32:42 Numbers 33:01-33:56 Numbers 34:01-36:13 Lloyd Pulley Numbers 1:01-4:49 Numbers 5:01-9:23 Numbers 9:15-10:36 Numbers 11:01-11:35 Numbers 12:01-12:16 Numbers 13:01-14:45 Numbers 15:01-16:50 Numbers 17:01-18:32 Numbers 19:01-20:13 Numbers 20:14-21:35 Numbers 22:01-22:41 Numbers 23:01-23:30 Numbers 24:01-24:25 Numbers 25:01-26:65 Numbers 27:01-29:40 Numbers 30:01-30:16 Numbers 31:01-31:54 Numbers 32:01-32:42 Numbers 33:01-33:56 Numbers 34:01-36:13

Get Nature Wallpapers and Nature photography wildlife photo from this site. We have free pictures with scenery images. Get landscapes & photos for desktop computer or digital photo printing. Come and see a nature wallpapers gallery with Nature pictures and christian wildlife Photography, you will not be deceived.All these nature pictures are available in 8 different wallpapers resolutions to fit your computer desktop screen. Come with us and discover the wonders of the Creation of God. It is marvellous, even only seen in pictures ! . Use these photos as wallpapers or for printing. Find out many pictures of the nature completely for free, with high resolution up to 4096x3072 pixels (12Mpix) in jpeg. We are particularly specialised in Nature Wallpapers, nature pictures and photo gallery with nature photography for backgrounds and photo wallpapers. Nature Wallpapers in images can be used for computer desktop backgrounds with landscape pictures, and nature pictures. images galleries with outdoor nature wallpapers scenes and pictures, mountains, lakes. To use for digital nature photos printing or as nature wallpapers. Get flowers, beautiful photos, with outdoor high quality pictures in jpeg resolution for nature pictures. Landscapes with best desktop nature wallpapers and christian Bible verses.

Rather Be Gaming Mouse by Shutterfly. This customizable wireless mouse is click-bait! Add a bit of personality to your office space. Bright Frame Monogram Card Game Bright Frame Monogram Card Game by Shutterfly. Make game time extra fun with personalized card games, available in the classic children's games Go Fish and Crazy 8s. The cards can be personalized with photos and text on one side and ... Colorful Border Collage Card Game Colorful Border Collage Card Game by Shutterfly. Make game time extra fun with personalized card games, available in the classic children's games Go Fish and Crazy 8s. The cards can be personalized with photos and text on one side and ... Related Searches christmas presents for cats, card game hearts, card game, kids card games, car card game, black custom playing cards

Membership in the OU Band Alumni Association is open to all former members of The University of Oklahoma bands, as well as supporters of the University Bands programs. Whether you participated for a semester, or for your entire collegiate career, all are welcome! Prospective members do not have to have graduated from the University of Oklahoma in order to join the OUBAA, and there are no restrictions on organization membership: athletic bands, concert ensembles, instrumental studios, or any other musically-inclined organizations. Enjoy the flexibility of an annual membership, or save time and money over the long term with a life membership. Membership Type Dues Annual Members $15/ year Lifetime Members $1,000 Life membership may be extended to a member who makes a total donation of $1000 to the OU Band Alumni Association. Of said donation, $400 will stay with the Alumni Association, and $600 will be given to the endowment fund of the member's choice. Additionally, no more than 60 days may pass between the first donation and the final donation. Membership Benefits We know it takes a special person to have the heart of a Sooner. The OUBAA members are some of the strongest, most thoughtful, and ambitious people around. What is most impressive though, is their willingness to support and lift up others. In addition to helping us maintain a strong foundation on which to build our reputation, an OUBAA membership provides opportunities for: