title: The importance of diversification and my thoughts on the woodford debacle

text:
This post may contain affiliate links which means that if you click through to a product or service and then buy it, I receive a small commission. There is no additional charge to you.
Please be aware that the value of any form of stock market investment can go up and down over time, and your initial investment is at risk. You may want to consider advice from a qualified financial adviser before investing.
Those of you who read The Times may have seen a rather large photo of me in last Saturday’s edition. I was a case study, talking about being invested in the Woodford Equity Income Fund, which is currently suspended. The headline for my case study reads:
‘There’s no point realising a loss. I’m not worried’
‘I’m not worried’ sits in contrast to the majority of case studies which have featured in the wider press over the last week who are furious at the suspension, which is why I was featured.
Sure, the inability to access my money – they are saying the fund could be closed until Christmas – doesn’t sit particularly well with me; it’s my money after all. The fact too that I am still being charged fund management fees grates…
I definitely have concerns that when the fund reopens, there will be a rush of redemptions which could further impact the fund. That could be a significant issue.
There are a lot of investors who invested in the fund because of the marketing of it’s launch or what they’d read about Woodford’s previous track record, rather than any affiliation with his investing choices and recently, his thoughts on how Brexit was impacting the value of UK stocks. The media hype about this unusual suspension will undoubtedly mean that many of them bail out at a loss when it reopens. The old problem of fear of further falls and herd mentality in investing decision making… [sigh]
HOWEVER, the bulk of the interview I gave focused on WHY I am not up in arms as much as the next person and why I am OK with sitting tight on my paper loss at the moment, subject to keeping up with what’s going on.
And it all comes down to the way in which I diversify my portfolio. Which is what I want to talk about today.
A quick recap of what’s gone on during the past week for anyone who isn’t on top of it. The Woodford Equity Income Fund has been temporarily suspended. This means investors can not withdraw their money until the fund is reopened. It was caused by an increased number of redemption requests due to under-performance. In order to fulfil redemption requests, the fund manager has to sell assets if there is not enough cash available. As the fund holds significant investments in mid and small cap as well as unquoted stocks which are less liquid (harder to sell), this is problematic. The fund suspension has been implemented to allow Neil Woodford, the fund manager, to reduce the fund’s exposure to these asset classes.
So what do we mean by diversification when we are talking about investing? Well put simply, it’s about not having all your eggs in one basket.
There are various different asset classes available to an investor who wants to hold an asset with a view to generating either capital growth, ongoing income or both:
- Cash or cash equivalents
Most financial experts agree that the most effective investment strategies involve diversifying investments across categories.
The reason why? It reduces risk.
Note that diversification in itself doesn’t protect you against losses but by having a broad mix of assets in your overall portfolio, any loss in one area of your investment mix can be offset by gains elsewhere.
You’ll find examples of people who invest in only specific niches who have hit the jackpot and are uber rich. But for the average person, diversification helps us sleep peacefully at night!
Classes within classes
Within the broad asset classes above, there are sub-set of these. If we think about exposure to equities, you can invest in:
- Shares of specific companies
- Funds (which hold investments in lots of companies) which focus on particular geographies
- Funds which focus on a particular size of companies; smaller being more risky
- Funds which focus on particular industries eg technology
You can even get funds which focus on particular size of companies in particular geographies… eg UK small cap companies.
With property, you could invest in residential property or commercial property directly. You don’t even need to own the property itself; you can invest in indirect property funds that focus on the shares of firms within the property and building sector.
You see where I am going here…. The options are broad.
So why is diversification important?
Selecting a diversified mix of investments means you are not exposing yourself too significantly to volatility – the ups and downs – in any one area.
The bulk of my share portfolio is invested in multi-asset, globally diversified funds.
Multi-asset means they hold a mix of shares, bonds and cash. Globally diversified means – well, you can’t get any more diverse than the world can you?
I haven’t always invested this way; I started my investing journey years ago investing in individual shares. At the time, I was happy with a higher level of risk for the potential for higher returns.
In 2009 I bought a tiny mining stock which rose 2000% in 2 days. The greedy part of me didn’t cash it all out; I wanted more growth. That very same stock still sits in my broker account worth 90% less than I paid for it. A reminder to me of the risks of investing in individual stocks.
As I have got older, I have opted for less risk.
Also, my personal experience of investing in both passive funds (those that aim to track the performance of the underlying market) and active funds (which aim to outperform the market but for which you pay a higher fee), confirms to me what a lot of the evidence available points to: active investing doesn’t outperform!
The rest of my share portfolio – under 20% – is invested in funds which have a narrower focus. None of these investments individually represents more than about 3% of my total portfolio.
I think of my core portfolio as a planet with 10-12 much smaller moons as satellites. These moons might come and go as my interest in a particular sector eg tech, come and go, but the core multi-asset, globally diversified planet is a constant.
Pete Matthew explains this concept brilliantly in one of the episodes of his podcast – Meaningful Money. Do give it a listen!
So, back to Woodford. I am invested in the Woodford Equity Income Fund; it’s one of my satellites allowing me exposure to the UK. This particular satellite is worth about 2.5% of my portfolio by cost. It’s also my only fund in the red. Which means that 97.5% of my portfolio is up.
Factor in that we also have rental property which further diversifies our investments and you can see the real story behind my case study in The Times.
If the very worst came to fruition and I lost my whole investment in the fund (this is always a risk with investing but very unlikely here unless every single company in which the fund is invested goes bankrupt!), the relative impact TO ME is minimised because of the weight of this particular investment in my overall portfolio.
My plea to investors
The investment platforms did a great job of marketing Neil Woodford as a ‘star’ fund manager when the fund was opened and ongoing. Indeed, Hargreaves Lansdown has come in for a lot of criticism for continuing to promote the fund on its Wealth 50 list right up until its suspension.
There are evidently significant numbers of people who invested in the fund based on this.
But I am shocked by the case studies of Woodford investors who have a large proportion if not all of their portfolio in this fund. Whilst it is of no comfort to these people, this debacle has highlighted the importance of diversifying the funds in your portfolio. Yes, even if you are invested in a fund which itself invests in multiple companies.
My second plea is around what’s going to happen when it re-opens. There will undoubtedly be those who rush to offload their investment; those who are fearful of further falls. This, in my opinion media-induced, herd mentality does mean further risk for the fund as more money is required to fulfill redemptions, necessitating further sales. Do reflect on your rationale for investing with Woodford in the first place and whether you are aligned with his investing strategy before you act. Do not act purely on emotion.
I think I shall have to do a further article on behavioural finance and why emotions shouldn’t play a part in your investing plan. One for another time…
I’ve talked about passive and active investing in this article. There are some who say that active investing has no place at all, that it is cheaper and no less rewarding to just track the market. The performance of the Woodford Equity Income Fund here IS a case in point.
Anyway, as a follow up, I will shortly do another article on active vs passive investing, explaining the differences.


tier: cub

shelf: education

title: Where to do your idc to become a padi instructor

text:
You are a passionate diver, and ready to share your passion for scuba diving, the PADI IDC course in Bali will give you all the fundamental bases to become a diving instructor
You will need to be a PADI Divemaster, the first professional level to supervise divers, it is a prerequisite for the training, however the PADI 5* IDC center will be able to offer you this training before the IDC.
Why choose PADI?
PADI is a worldwide reference in scuba diving and will bring you a variety of opportunities. Being a PADI Instructor is a full-fledged job with responsibilities, students to train and a better salary than divemaster / dive guide offering you a worldwide career evolution with the possibility of becoming a PADI Course Director, Cruise Director or dive center manager.
Choosing a dive center to become a PADI instructor requires some research.
Why get trained in Bali?
Known to be in the coral triangle, coming to Bali to train is a good compromise to learn the job and dive on the best dive sites in Bali thanks to its exceptional underwater life during specialties.
During your course, you will enjoy a cheap life whether it is for food or accommodation, and enjoy the tropical weather around 30°C all the year.
Choosing the PADI 5* IDC Dive Resort, BALI BREIZH DIVERS and its IDC BALI ASIA section is your best bet for your PADI IDC with its 100% PADI exam pass rate.
Its training in small groups of 6 students maximum allows you the availability of the Course Director having an experience of more than 14 years in PADI teaching.
With its good reputation, the Bali Breizh Divers center will bring you its professionalism and its availability to train you as a PADI instructor as well as the follow-up once the training is finished.
You are sure to be in the right center to get certified PADI OPEN WATER SCUBA INSTRUCTOR.


shelf: home-craft

title: Blackberry pie

text:
I use coconut oil in this pie crust. Coconut oil makes a truly lovely, flavorful, flaky crust. Go get some blackberries and make this pie and crust. You will love it!
Summertime means lots of fresh blackberries at out. Blackberries do EXCEPTIONALLY well on our property. Over the more than 30 years we have lived here we have engaged in an unending battle with these prolific brambles to keep them at bay. Our driveway lane, barn, flower beds and back fields are constantly reseeding themselves with these thorny beastly vines. Birds and bees love them!
Harvesting the vines is very difficult unless you have a handy path way (we mostly harvest the ones we can access easily on our driveway). Blackberry vines are made with excellent defenses. Those thorny, sharp pointy spikes come off easily into skin, clothes and shoes, even going through shoe bottoms!
Blackberries Painfully remind us they don’t give up their fruits easily. And…they grow really, really fast! Blackberries can cover a large lot in no time at all. If we don’t tend the fields, in a timely manner, the berries just take over. And fences? Forget keeping them clear of this bramble fruit. Think hedgerows!
Along the way we have developed our own methods of harvesting blackberries without too many battle scars. Nimble fingers and tough shoes bottoms! Also just take a few scratches and thorns in stride. Consider them battle scars worth the spoils.
OR plant THORNLESS blackberries. We never will here but we envy you if you can!
NOW FOR THE LOVE…Blackberries are a super fruit containing a HUGE amount of nutrients, anti-oxidants and Vitamin C.
Go here to discover all the great nutritional and health benefits of this fruit. We love to eat them. They taste delicious fresh off the vine and in all sorts of yummy treats, try my blackberry coconut oil crumble bars!
Blackberry Pie Recipe Notes:
This Blackberry pie recipe is nice and easy. The filling is not too sweet or runny. We love it! This pie has the best pie crust ever! This coconut oil crust is flaky, delicious and SO easy to work with. I have incorporated the crust recipe into this blackberry pie recipe for your convenience.
About this Coconut Oil Pie Crust:
HEAVENLY. That’s it. It’s really really good, very easy to make and for many people the very BEST part of whatever pie I attach it too. NOT kidding! It’s a beautiful flaky crust. Highly recommend it and the recipe is incorporated right into your recipe card.
Also…This pie is NOT prone to over browning. However, if you check the pie after the first ten minutes and find the crust browning, pie crust shields can be made from tinfoil by crimping sections of tinfoil around the outer edge of the pie while baking.
Your Printable Recipe Card:
a Delicious Blackberry pie with a flavorful flaky coconut oil crust the whole family will enjoy.
- 1 egg white plus 1 tsp. water
- 1/2 Cup plus 1 Tablespoon Sugar
- 4 Cups Blackberries
- 6 teaspoons butter cut into pieces.
- 1/4 tsp. salt
- 4 to 6 Tablespoons water
- 3 Cups flour
- 1/2 Cup coconut oil-melted at room temperature
Wash the fresh blackberries and pick out stems and debris. Drain them and let them dry. Set aside.
Preheat Oven to 425 °F.
Whisk together the 3 cups of flour and salt.
Add the melted coconut oil and stir until pea sized crumbles form.
Add 3 Tablespoons water and mix into the flour mixture. Add more water until a dough forms that clears the sides of your bowl and forms into two equal sized dough balls that hold together.
Roll one dough ball between two parchment sheets until large enough to form a circle about two inches larger than your 9 inch pie plate.
Peel off the top parchment paper.
Invert the rolled dough into your pie plate and peel off the second parchment paper.
Gently arrange the pie dough in the bottom plate. Trim the dough to 1/2 Inch overhang past the pie plate.
Combine your drained and dried blackberries with 1/2 Cup sugar and 1/2 Cup flour.
Spoon the mixture onto your dough lined pie plate. Drop 6 butter pats over the blackberry filling. Set aside.
Roll out the second pie dough ball as described for the first dough ball.
Gently invert the rolled pie top over the blackberry filling and arrange it so an even amount of dough overhangs the bottom crust.
Crimp the dough together with a fork or flute the pie edge as shown.
Pierce the pie top with a knife in any pattern you desire.
Whisk the egg white with 1 tsp. water.
Brush over the pie top.
Sprinkle the tablespoon of sugar lightly over the egg washed pie top.
Bake 10 minutes at 425 °F.
REDUCE heat to 350 °F and bake 25 minutes.
Pie is done when the filling bubbles out of the piercings in pie top and the crust is golden brown.
Cool completely before serving to ensure the filling is set up.
This pie crust is NOT prone to over browning. However, if you check the pie after the first ten minutes and find the crust browning, pie crust shields can be made from tinfoil by crimping sections of tinfoil around the outer edge of the pie while baking.
As an Amazon Associate and member of other affiliate programs, I earn from qualifying purchases.
Colander Set - 2 Collapsible Colanders (Strainers) Set By Comfify - Includes 2 Folding Strainers Sizes 8" - 2 Quart and 9.5" - 3 Quart Red and Grey
Prepworks by Progressive Ultimate 19-Piece Measuring Cup and Spoon Set
Talisman Designs Adjustable Pie Crust Shield, BPA-free Silicone, Red, Fits 8.5" - 11.5" Rimmed Dish
Pyrex Glass Bakeware Pie Plate 9" x 1.2" Pack of 2
1 sliceAmount Per Serving Calories 368Total Fat 0gSaturated Fat 0gTrans Fat 0gUnsaturated Fat 0gCholesterol 0mgSodium 0mgCarbohydrates 0gFiber 0gSugar 0gProtein 0g
Pin Blackberry Pie Recipe:
Find the crust recipe here: coconut oil pie crust.


shelf: history-culture

text:
The Marilyn Monroe long gown to close the Dolce & Gabbana show, Milano
Amazing leg show for the finale of the Dolce&Gabbana Fall/Winter 2010 show,…
Emmanuelle Alt shooting the Dolce & Gabbana show with Stefane Feugère’s camera,…
Domenico Dolce, Nadia Auermann, Eva Herzigova, Stefano Gabbana, Scarlett Johansson, Lauren Hutton…
Another picture of the Dolce&Gabbana Fall/Winter 2010 show, Milan. Photo Olivier Zahm
Claudia Schiffer in a fabulous Dolce & Gabbana dress at the Amfar…
A new painting by Chuck Close in his Long Beach Studio, New…
A clear and unpretentious gianfranco Ferre show, Milano. Photo Olivier Zahm
Frida Giannini, backstage of the gucci show, Milano. Photo Olivier Zahm
Tomoo Gokita “PEEKABOO” exhibition opening and after party at Tokyo Opera City...
Nigora in Los Angeles
See Yasmine Eslami’s new S/S 2018 swimwear campaign
BIRKENSTOCK BOX x Rick Owens Launch Party at Rick Owens, Los Angeles
Sofie in the Dutch fields
Our dear friend and multidisciplinary artist Harry Nuriev has opened his first...
The Los-Angeles based artist, Jess Valice opened her second solo show this...
Purple presents “Core” Music Video from Stefan Wesolowski’s new album “Song of...
Wolfgang Tillmans new show “Rien ne nous y préparait − Tout nous...
“Warhol/Cutrone” show opened last weekend at Galerie Gmurzynska in Zurich
Sam Quealy and Micky Francis Birthday Party at Maxim’s, Paris
“Once Upon a Time in London” new group show opened last night...
Summer Party at Hotel Grand Amour
The Los-Angeles based artist, Jess Valice opened her second solo show this weekend, “Home is Not a Place” at Almine Rech Turenne in Paris
“Giorgio Armani Privé 2005-2025, Twenty Years of Haute Couture” exhibition currently on view at Armani/Silos, Milan
Giovanni Di Stefano in Cuba
Purple presents “Core” Music Video from Stefan Wesolowski’s new album “Song of the Night Mists” by


tier: polar

shelf: civic-law

title: FOR IMMEDIATE RELEASE

text:
FOR IMMEDIATE RELEASE
(New Haven, CT) – Patrick J. Griffin, New Haven State’s Attorney, today announced that Trevor Outlaw, 35, formerly of Meriden, was found guilty by a jury on February 23, 2022, of Murder, in violation of Connecticut General Statutes § 53a-54a, Carrying a Pistol Without a Permit, in violation of Connecticut General Statutes § 29-35(a), and Criminal Possession of a Firearm, in violation of Connecticut General Statutes § 53a-217. The jury trial in Superior Court in New Haven was presided over by the Honorable Elpedio N. Vitale.
Outlaw’s conviction stems from the shooting death of a rival gang member, Giovanni Rodriguez, 24, which occurred in the early-morning hours of June 21, 2020, in the parking lot of the Comfort Inn & Suites hotel located at 900 East Main Street, Meriden. Prosecutors introduced evidence that Outlaw and an accomplice were alerted to Rodriguez’s presence at the hotel by an associate. Evidence established that Outlaw, the passenger in a slow-rolling car, opened fire on Rodriguez with a .380 caliber semi-automatic handgun as Rodriguez removed items from his car in the hotel parking lot. Mortally wounded by the gunfire, Rodriguez attempted to flee on foot, ultimately collapsing near the hotel entrance door. Prosecutors alleged an on-going conflict between the two rival gangs provided the motive for the killing.
Outlaw is a multiple-convicted felon, with previous convictions for assault, robbery, burglary, larceny, failure to appear, and possession of narcotics with intent to sell. Sentencing is scheduled before Judge Vitale on May 26, 2022.
State’s Attorney Griffin singled out for praise the extensive investigative efforts of the Meriden Police Department that led to Outlaw’s conviction, stating: “The attention to detail exhibited by the investigators in this case contributed greatly to the successful outcome in court.” State’s Attorney Griffin thanked the Connecticut Department of Public Safety Division of Scientific Services lab personnel and the Federal Bureau of Investigation (FBI) for their contributions to the successful prosecution, and commended the work of Senior Assistant State’s Attorneys Seth Garbarsky and Jason Germain, who prosecuted the case.
Jury Convicts Meriden Gang Member of Murder and Other Crimes Stemming from Gang-Related Killing


shelf: science-engineering

title: Jpk cellwizard stage

text:
Bruker's CellWizard™ Stage delivers pioneering, multi-compartment AFM imaging and nanomechanical analysis capabilities for life science applications, greatly extending the range, speed, and versatility of experiments possible, and pushing the boundaries of performance on the nanoscale. It facilitates automated large-scale mapping, high resolution imaging, and nanomechanical analysis in each chamber, and is ideal for the in vitro investigation of challenging biological samples.
The CellWizard Stage embodies state-of-the-art precision engineering. Using artificial intelligence (AI), it identifies sample features of interest and navigates autonomously from well to well, performing systematic, reproducible, and highly accurate measurements in each compartment. This next-generation AFM accessory delivers automated, multiscale, and multiparametric analyses. The ability to investigate biological samples in vitro, over a large scan range, and in a multi-compartment environment, allows a more comprehensive analysis and a deeper understanding of complex biological mechanisms, such as cellular communication and immune response.
The CellWizard Stage is compatible with the Bruker BioAFM atomic force microscope platform and can be seamlessly integrated into advanced optical microscopes.
CellWizard Stage encompasses state-of-the-art automation features and advanced machine-learning capabilities that significantly improve the accuracy and effectivity of repetitive workflows by alleviating user error and optimizing productivity.
The AI-guided optical segmentation tool uses optical images to identify sample features of interest and automatically creates MultiScan lists within or surrounding them.
Optical snapshots or scheduled rinsing steps can be added to the planned list, and the instrument will then run measurements autonomously, with the CellWizard Stage safely changing between compartments as specified.
The AI image segmentation can use either the pre-trained models provided or user-trained custom models tailored to individual applications.
Explore a wide spectrum of easy-to-use features and options, such as:
CellWizard Stage can be seamlessly combined with advanced optical techniques, such as confocal and super-resolution microscopy, for enhanced analysis capabilities and precise, correlated, multiparametric measurements.
It is compatible with the Bruker BioAFM family of instruments and its extensive range of modes, add-ons, and accessories, e.g.:
The CellWizard Stage delivers the flexibility necessary for interdisciplinary research facilities and collaborative scientific environments.
Optical systems/accessories, electrochemistry solutions, electrical sample characterization, environmental control options, software modules, temperature control, acoustic and vibration isolation solutions and more. Bruker provides you with the right accessories to control your sample conditions and to perform successful experiments.
Our webinars cover best practices, introduce new products, provide quick solutions to tricky questions, and offer ideas for new applications, modes, or techniques.
The CellWizard Stage is a milestone development - it introduces AI-guided approaches in AFM, significantly enhancing the speed and accuracy of stage dynamics, and providing multi-throughput measurements from precise, repeatable spatial locations. AFM is now more applicable than ever, collecting large-scale, high-resolution data sets, across a range of 3D cell samples (cells, tissues, spheroids and organoids) essential for cell and molecular biology analysis. The multiwell format allows us to incorporate biological variables and the full array of BioAFM measurements in a single experiment format.
Prof. Lewis Francis, Biomedical Sciences, Swansea University, UK


shelf: software-docs

text:
New Dynamic Connection Dialog Box Properties
This topic describes how you can use the New Dynamic Connection dialog box to create a dynamic connection. Server displays the dialog box when an admin user selects the New Dynamic Connection link in the Administration > Connection > Dynamic Connections page in the Server Console.
Specifies the catalog in which you would like to create a dynamic connection. Type the catalog with the full resource path in the text box, for example, /SampleReports/SampleReports.cat
, or select the Browse button to select a catalog in the Select Catalog dialog box.
Data Source Name
Specifies the data source in which you would like to create a dynamic connection in the catalog from the drop-down list.
Specifies a connection to connect to the data source from the drop-down list.
Displays the properties of the database connection. You can select it to expand or collapse the property table.
Add Database User Mapping
Adds a new database user mapping. Select to create a new line at the end of the table.
Deletes the selected database user mappings.
Database user mapping table
check boxes are used to specify whether to select the database user mapping. Select the check box on the column header to select all database user mappings. After you select the database user mappings, you can then delete them if you do not want them.
Specifies the security identifier (SID). A SID can be a group, role, or user in the Logi Report Server security system. You can select a value from the drop-down list or type the value in the text box. The x in the text box is used to clear the input text. You can define at most one database user mapping for an SID within a dynamic connection. - Organization Name
Double-click in the text box and then select an organization from the drop-down list. You can first specify the organization and then the SID. The column is available to system admin when the Organization feature is enabled. - Database User
Specifies the database user name. Null means using the default database user name. - Database Password
Specifies the database password. Passwords are masked. - Control
- Test Connection
Tests whether the connection configuration works using the database user name and password.
- Test Connection
Creates the dynamic connection and exits the dialog box.
Cancels the creation of a dynamic connection and closes the dialog box.
Displays the help document about this feature.


shelf: health

title: Salmonella infections tied brightfarms brand sunny crunch salad

text:
(RxWiki News) Health officials are investigating a Salmonella outbreak that appears to be linked to salad greens.
The Centers for Disease Control and Prevention (CDC) announced that, as of publication time, 11 people had been infected with Salmonella in this outbreak. Most confirmed that they had bought or eaten BrightFarms brand Sunny Crunch salad.
The cases were identified in Wisconsin, Illinois and Michigan. None of those infected had died, and two had been hospitalized.
BrightFarms brand Sunny Crunch salad has been recalled due to this outbreak. The affected products are packaged in clear plastic clamshell containers. They were distributed to at least five states, the CDC noted: Illinois, Indiana, Iowa, Michigan and Wisconsin.
Because of this apparent outbreak, the CDC was advising people not to eat or serve BrightFarms brand Sunny Crunch salad. If you have purchased this product, the CDC advised throwing it away or returning it to the store.
The strain of Salmonella identified in this outbreak is Salmonella Typhimurium. Symptoms of Salmonella include fever, diarrhea and stomach cramps. Symptoms usually develop within six hours to six days after exposure to Salmonella bacteria, the CDC noted.
While most people recover from Salmonella without treatment in four to seven days, the very young, the elderly and those with compromised immune systems could face severe risks from infection.
Because most people recover without treatment, the true number of those who have become sick in this outbreak is likely higher than reported, the CDC said. That means the outbreak could be happening in other states that have yet to be identified.
The CDC said it was working to find out whether other products might also be contaminated with Salmonella.
If you have purchased any of the affected products, wash any containers, utensils and surfaces that touched the salad with hot, soapy water.
If you believe you are experiencing severe Salmonella symptoms, contact your health care provider.


shelf: finance

title: Find your perfect holiday destination in 5 easy ways

text:
We all need holidays in order to escape the stressful work routine and relax with our loved ones. However, finding a perfect holiday destination also becomes a struggle when we don’t want to compromise on the quality of the vacay. It is very easy to find a perfect destination for yourself if you follow the tips given below.
Set the budget realistically
It is advisable to set a budget prior to the holidays so that you don’t have to face the problem of running low on the Budget. The money you allocate for your vacation time should not be too little or too much. Once you have decided on how much you can afford to spend, it would be easier for you to choose a destination for spending quality time. For instance, if your budget is too high, you can consider to discover Australia. In order to get inflammation regarding spending holidays in Australia.
Ask yourself why you want to travel
People have a different outlook of travelling to different destinations and they generally travel because they want to achieve their aims. For instance, some people choose travel destinations based on how much their kids can enjoy there and some people need to have a tour full of adventure and enthusiasm. Depending on their purpose of vacation, the perfect destination point can be chosen that will keep them satisfied and help them pursue serenity.
Decide on what you want to experience
Different destinations give different experiences to tourists and it totally depends on what kind of experience they want to have. If you want to spend brighter and glorious sunshine under the shades of palm trees, a place with wonderful beaches and optimum temperature will be suitable. Similarly, if you want to be among the wildlife, Australia is a best destination for you. Even if you are travelling for wildlife, never forget to keep an eye on the weather. If you are travelling to Australia, you should know the best time to travel to Australia.
Meet the trip advisor
There are many such companies and agents working in different parts of the world to help people reach their dream land for spending their leisure time. If you are not sure as to where you should go and how much you can expect to spend, meeting an advisor can help you in a number of ways.
If you want to spend your vacation this year in a different way, you will have to think out of the box. There are many underrated places in different regions of the world where travellers usually don’t flock to. You can go and see those places and make completely different memories.
Sometimes, thinking out of the box turna out to be cheaper and gives you immense pleasure. Try some unique ways to enjoy your vacation this year.


title: Msc financial business performance

text:
Programme details | |
Degree: | Master of Science (MSc) |
Delivery modes: | on-campus |
University website: | Financial & Business Performance |
Build your pathway to becoming an expert in financial performance management.
The MSc in Financial & Business Performance is designed for individuals eager to master management control and finance tools to drive business performance. This specialized program equips you with both the technical and interpersonal skills needed to become a key player in strategic and operational management with a focus on responsibility and ethics.
This new program is founded on the belief that finance and management control are essential partners in strategic decision making to support sustainable business growth.
Develop the essential skills to excel as a financial manager and become a strategic business partner.
Participate in group projects, corporate and academic challenges, and two internships, applying emlyon’s learning by doing methodology.
Leverage the Career Center's workshops, webinars, and personalized coaching to refine your career path and prepare for roles such as auditor, organizational consultant, administrative and financial manager, or management controller.
The MSc in Financial & Business Performance at emlyon business school is built on three core pillars: Finance, Strategy, and Technology, applied to data analysis. Through this program, you will learn to gather, analyze, and interpret financial and operational data to provide strategic recommendations and ensure performance tracking.
In addition to technical expertise, the program emphasizes interpersonal skills, including critical thinking, problem-solving, communication, and collaboration—vital for management and consulting roles in management control.
As a student of the Master of Science in Financial & Business Performance, you will benefit from a dedicated career track which will include workshops, expert panels, fairs, events, company visits, etc.
The Careers Services Department provides all students with continual support in identifying career goals and developing action plans. Program-specific careers services include:


title: Our Most Popular Services

text:
Our Most Popular Services
Full Car Interior Cleaning
Has the stains and pet hair in your vehicle gotten out of control? Want to make it feel and look new again? With this service, you will get a thorough cleaning of your vehicle from top to bottom.
With our most requested service, we will take your family's suburban or weekend cruiser and clean everything to the best condition possible (seats, floor mats, door panels, headliner, etc...)
With the dozens of vehicles we have serviced, we've cleaned everything from pet hair to food & beverage stains. There's nothing we can't handle.
Wash & Wax
A Wash & Wax is a quick and simple way to see a big difference in your car's appearance and shine. By going the extra mile of a simple wash we remove contaminants that cause damage to your car's paint and shine.
Not only does this service make your car look shiny again, but it will also bring back the slickness and smooth finish your car should have.
The Houston humidity and heat can harm your vehicle's finish. And a great benefit of this service is that it comes with a layer of protection to protect against harsh weather.
Paint Correction is the best way to maximize the shine on your vehicle's paint. This process reveals a shine like never before. We do this by using a machine polisher to remove 80%+ of the swirls and scratches in the paint.
This service gives your vehicle a high level of gloss that will make it stand out!
Paint correction takes time and energy to perfect. We're not going to give your car a "quick buff: and call it good. You will receive the best results we can deliver based on your needs.
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Strawbery Banke Receives Grant to Restore Historic House
Strawbery Banke Museum in Portsmouth has received a $125,000 grant to restore one of its historic houses, the museum announced Friday.
The grant comes from the New Hampshire Land and Community Heritage Investment Program (LCHIP), which is awarding $4.1 million in matching grants to 32 different projects across the state.
The money from the grant will go toward the restoration of the museum's Penhallow House, which was built around 1750, the museum said. The plan is to fully restore the house as part of Strawbery Banke’s Heritage House Program, eventually becoming a first-of-its-kind exhibit featuring 20th-century African American history.
"Kenneth Richardson was an active member of Portsmouth’s black community during the 1950s," the museum's announcement read. "His story will enable the museum to interpret American history in a more inclusive, accurate way."
“The work of the Land and Community Heritage Investment Program is critical to preserving and understanding the history of the state,” Strawbery Banke CEO Lawrence J. Yerdon said. “Strawbery Banke Museum has benefitted enormously over the years from the LCHIP program both from the practical standpoint of funding for projects that ensure the future of the historic buildings but also as inspiration and validation to other donors who are considering project support. We thank LCHIP again for the invaluable role they play to the museum, to Portsmouth, and across New Hampshire.”
LCHIP funds support projects in nine of the state’s ten counties, the release said, adding that grant recipients are required to raise a minimum of one dollar for each dollar provided by LCHIP. This year’s awards of $4.1 million will be matched by nearly $18 million that the project proponents will raise from other public and private sources, infusing a total of over $22 million into the state’s economy in direct project activity, according to the announcement.
Penhallow House is a stop on the Portsmouth Black Heritage Trail.


title: Probate attorneys

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In Santa Barbara, California, probate is the process through which a Court determines if a will is valid or not.
As part of this process, the Santa Barbara, California probate court will determine the validity of the will, inventory the decedent's assets and debts, and then, finally, distribute the estate according to the will, assuming it is found to be valid.
Wills typically name the person who is to serve as executor of the estate. If no executor is named, the Santa Barbara, California court will appoint an executor. This is typically the person who stands to gain the most if the will is found to be valid.
The executor is the person responsible for initiating the probate proceedings. The person who would inherit the most from the will is appointed, because they have the greatest incentive to move the process along as quickly as possible, so they can get their inheritance.
Duties of the Executor in Santa Barbara, California
The executor has many duties concerning the will. First of all, they have to actually initiate the probate proceedings with the court, and this procedure has to be completed before the will takes effect.
Executors must also alert anyone with an interest in the will of the death of the decedent. Persons with an interest in the outcome of probate are those who are named in the will, or anyone who would likely inherit if the will is invalidated (close relatives, for the most part).
Because people who stand to inherit from the testator may be scattered around the country, or even the world, contacting them is sometimes difficult. One of the responsibilities of the executor is to collect a list of everyone who is entitled to inherit from the decedent, so attempts to contact them can be made. They additionally have to account for all the testator's debts and assets.
Finally, executors have to actually put forth the effort to establish that a will is valid. As the sole legal representative of the estate, this is their job, and is required for them to inherit, giving them an incentive.
How Can A Santa Barbara, California Lawyer Help?
Because of the difficulties inherent in the probate process, it is a good idea to hire an efficient Santa Barbara, California probate lawyer, particularly for the executors of estates.


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Best Ideas of What causes a brand new alternator to go bad?
Every vehicle has a battery that helps to crank the engine up while powering the ignition and fuel pump at startup; after that, it is the alternator that starts to spin and provide power to your vehicle. What causes a brand new alternator to go bad? This is the reason why you can often jump-start your car if the battery fails, allowing you to drive your vehicle to the nearest auto parts store to get a brand-new one. With your motor running and the alternator giving out power, your vehicle’s battery does not have to do much work. Here are a few reasons why your new alternator could have gone wrong:
What causes a brand new alternator to go bad? One of the most common issues with your alternator that could go wrong is undercharging. Nevertheless, an undercharging alternator can often be caught in the early stages, giving you some time to rectify the problem before it gets to the point of no return. If you notice that your car’s headlights appear to be dim when the engine is idle and tend to get brighter when you rev it, it means that your alternator is not putting out enough power.
Overcharging is not an issue with your alternator itself but rather an issue with the voltage regulator, often built into the alternator. An overcharging alternator can end up killing your battery while boiling all the fluid out of it.
No charge at all
What causes a brand new alternator to go bad? No charge may look like an undercharge, but even reviving the motor will not do anything if your alternator has no charge. It would help if you got in touch with a professional from Express Auto Care as quickly as possible since all modern cars can only run for a short while before the battery dies completely.
This category of alternator failure mainly involves wearing out and squealing bearings or seizing up in some extreme cases. Besides not correctly charging the battery, this can also result in overheating your vehicle. Like all other rotating machines, the bearings in the alternator have a limited life and are eventually going to go bad.
What causes a brand new alternator to go bad? You can choose to minimize the chances of your bearing going bad prematurely but keep the tensioner and the drive belt in proper working condition. Nothing will kill your bearings quicker than a tight belt; however, a loose belt is not suitable for them either. If your vehicle has a spring-loaded tensioner, you need to get it professionally inspected after 50,000 miles when you get your belt changed.
Maintaining and Troubleshooting What Causes a Brand New Alternator to Go Bad
If you drive an old car with a manual tensioner, you need to ensure that it is tight enough to match the specifications found on your driver’s manual.
If you notice that your battery fluid is leaking or can smell something acidic, it may result from your alternator overcharging. You can quickly check this by measuring the total voltage of the battery with your vehicle running. This voltage should not go anywhere above 15 volts, even with your engine revving. What causes a brand new alternator to go bad? Start by checking all the wires connected to your regulator and alternator to ensure they are correctly connected and do not have any damage.
Alternator Troubleshooting and Potential Repairs: Understanding Voltage Regulators, Serpentine Belt Issues, and Charge Failures
If your vehicle uses a voltage regulator, either built into the alternator or separately, it is not expensive or difficult to change. If you have a car that uses an ECU to regulate the voltage, you may have to get in touch with a professional from Express Auto Care to get it looked after.
What causes a brand new alternator to go bad? An alternator that does not put out a minimum of 13.8 volts needs a repair or even a replacement. Nevertheless, low output combined with a squealing noise suggests that you may have a slipping serpentine belt that needs to be put back in place. If your belt seems to be in good condition, then a low output can be caused by your insulation breaking down or even worn brushes; either way, your unit needs to be taken out and torn apart for a thorough inspection.
Finally, if your alternator has no charge at all, there can be several issues. It is possible that your driver belt has come off the pulley or broken, or the tensioner has gone bad.
Understanding Alternators: Charging System Components and Maintenance Tips
What causes a brand new alternator to go bad? Alternators put out an alternating current which goes through a voltage rectifier that converts it to direct current since that’s what your battery needs to charge. A faulty voltage regulator can end up stopping an alternator from charging. A no-charge situation can mean an internal break in the windings, burned-out slip rings, or bad brushes. If the external wiring looks normal, the chances are that you have an issue inside the alternator itself.
The only thing that an average vehicle owner can do to keep their alternator functioning properly is to keep it clean and dry.
What causes a brand new alternator to go bad? Dirt and dust can get inside your vehicle’s alternator and cause wear on the brushes over time. If you feel like there is an issue with your alternator, it would be best to let professionals take a look.
Need a professional mechanic? Contact Express Auto Care today!
What causes a brand new alternator to go bad? Are you looking for a professional mechanic who can help you fix your alternator in Irving, Texas? If yes, then you are at the right place. Our team of skilled mechanics can rectify all types of problems with your alternator, providing you with a thorough diagnostic and a diligent repair in no time.


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New filters and template previews for Content Library
You can now filter by Media Type and Asset Availability, and view captions and tags for templates — making it faster to find and manage your content.
Users can now edit expired campaigns to extend their end date and continue using them for new posts. They can also create ongoing campaigns with no end date to track evergreen content over time.
Publish Facebook Stories directly from Hootsuite
You can now create and publish Facebook Stories right in Hootsuite — saving time and keeping your workflow seamless with no more platform hopping required.
Access security logs when you need them with Social Archive
Need to know who logged in, when, and from where? Use Social Archive to access activity logs daily on demand via SFTP for security audits and compliance requirements.
Publish Facebook Reels from Hootsuite
You can now publish Facebook Reels directly from Hootsuite to save time and boost your reach with short-form video content on Facebook.
Find Amplify content faster with topic filters
New topic filters across Amplify views help admins, publishers, and contributors quickly find and manage content.
Customize Amplify digest emails by team
Admins can now send separate Amplify digest emails for each team, making it easier to deliver the right content to the right groups.
Automatically send organic posts to Amplify
Now content admins can select one or more of your social accounts to automatically save organic posts as drafts in Amplify.
Strengthen security with mandatory multi-factor authentication (MFA)
Organizations can now require multi-factor authentication (MFA) for all users, ensuring a higher level of protection and meeting enterprise security standards.
See the sentiment behind TikTok data
Hootsuite Listening powered by Talkwalker now applies sentiment labels to TikTok Insights data, helping you understand tone and perception — not just reach.
Social ads insights are now in your Social Performance Score
Check your Social Performance Score for actionable tips to drive engagement by auto-boosting your top-performing content and creating new ad campaigns based on posts with high engagement.
Filter content in Plan by author
Easily filter posts by author in Plan to help simplify your view, manage posts more efficiently, and save time searching.
Individual routing queue update
The max number of concurrent conversations is now calculated from the new conversation queue only — making routing more efficient and resolving previous limitations.
Content library improvements
The Templates tab is now the default view in the Content Library, with new sorting options: newest, oldest, most used, or least used. These updates make it easier to find content quickly and build posts faster.
Improved expired post management in Amplify
Content Admins can now sort expired posts by expiration date — either from oldest to newest or newest to oldest — for easier management.
Build an AI knowledge center
Power AI automations like Smart Replies with accurate, on-brand information by adding your approved FAQ, policies, and key responses to the knowledge center.
More flexibility for LinkedIn images
You can now post images with any aspect ratio to your LinkedIn Page — no more minimum or maximum size restrictions! (1.91:1 is still recommended, but not required.)
Instagram Business people tagging
You can now tag people (in addition to products) in your Instagram Business posts to increase your reach and engagement. Please note that some limitations apply due to API constraints.
Boost inbox efficiency with Smart Replies
Reduce response time and boost efficiency with AI-powered suggested replies for comments, mentions, and DMs with Smart Replies in Advanced Inbox.
Unlimited images for Facebook Pages
You can now attach unlimited images when publishing posts to your Facebook Page — up from the previous limit of 15. Post away!
Additional LinkedIn Insights coverage in Hootsuite Listening
Now you can monitor LinkedIn mentions and quote posts — all integrated into your existing LinkedIn Insights monitoring.
New Tags filter in Planner
You can now filter content by Tags, improving discoverability and making it easier to locate specific posts. This is especially useful for managing large volumes of content, helping you to stay organized and find what you need more efficiently.
Easily add your assets from CELUM to your posts
Browse, view, and share your CELUM assets — including videos — directly from Hootsuite.
Connect SharePoint to Hootsuite through the App Directory
Browse, sort, and attach images and videos from SharePoint directly in Hootsuite.
Instagram DM automation
Set up automated DMs so that when a user comments a specific keyword on your Instagram post, they automatically receive a DM. Set up varied responses and delay comment replies for an authentic and personalized response every time.
Facebook Stories Insights in Hootsuite Listening
Now you can monitor Facebook Stories for a fuller picture of how audiences engage with your brand — including key post-level metrics — all integrated into your existing Facebook Insights monitoring, right in Hootsuite Listening powered by Talkwalker.
AI Query builder in Listening quick search
Turn keywords into precise queries effortlessly — no technical expertise required. AI Query builder is an intuitive, AI-powered interface that does all the hard work for you, so you can access actionable insights faster.
New audiences for LinkedIn Ads
Hootsuite now lets you select saved or matched audiences for your LinkedIn ads and expand your reach to similar accounts, making your campaigns more precise and effective.
Repost LinkedIn content with a comment
Amplify admins can now allow advocates to add a comment when re-sharing LinkedIn posts through Amplify — giving them the opportunity to share their thoughts when amplifying content.
Revamped Content Library
Your Content Library just got an upgrade! With improved search, organization, and accessibility, managing your social assets has never been easier.
Threads replies now in Inbox 2.0
You can now manage and monitor Threads replies directly in Inbox 2.0 — view comments, reply, and repost thread comments, making it easier to engage without switching platforms. Please note, some limitations apply due to API constraints.
Introducing AI settings in Advanced Inbox
The new Inbox Intelligence subsection in Settings is the home for several Inbox automation tools including our Generative AI Chatbot, providing a more streamlined experience.
Enhanced Flexible Approvals
Flexible Approvals now lets you request post approvals from multiple users and teams. You can tag reviewers, assign approval responsibilities to teams, and trigger notifications for a smoother approval process.
Threads in Analytics
Threads metrics are now available in Reports, providing deeper insights into your Threads performance. Future updates will include metrics in Post Performance and Best Time to Publish, ensuring full coverage of your Threads strategy.
Instagram Views metrics
Analytics now includes two new Instagram Views metrics, aligning with Meta’s latest Views API for more accurate performance tracking.
TikTok insights in Hootsuite Listening
Hootsuite Listening now tracks TikTok brand mentions, sentiment, and trending hashtags — giving you the full picture to refine your TikTok strategy.
Airtable and Asana apps integration
Import content directly from Airtable and Asana — no more manual setup! Easily pull in details, organize, and share for a seamless post-creation workflow.
Improved Streams interaction history
Streams' interaction history now syncs with Inbox 2.0. Review your past conversations to help make future communication more personalized and authentic.
Smarter chatbot interactions
Enjoy a smoother chatbot experience with improved typing indicators and message flow. Now, set a custom welcome message for a more branded touch and enable proactive greetings to engage customers as soon as they open web chat.
Updates to your Social Performance Score
See how your images impact performance and get recommendations to improve. Now with monthly insights, multi-account views, and the option to boost top posts. Plus, SPS is now available in six languages!
9:16 Videos as Instagram Reels in Amplify
Amplify now supports 9:16 video uploads, allowing you to share vertical videos directly to Instagram as Reels. This update makes it easier to create and share engaging content for your Instagram audience.
Simplified report templates
Create clearer, more streamlined reports in Analytics with new templates designed to engage your stakeholders.
Boost Instagram Stories in Create
You can now boost Instagram Stories in the same place as you create them, making it easier than ever to expand reach and maximize engagement.
Inbox 2.0: new filter for unassigned conversations
We’ve added a new filter in Inbox 2.0, allowing users to easily view conversations that are not assigned to a team. This improves workflows by providing better visibility into unassigned conversations that need attention.
Inbox 2.0: native edits now visible
Inbox 2.0 now shows when a comment or message has been edited natively on Facebook and LinkedIn, giving users better insight into updates and improving the customer experience. Edits for other social networks will be supported in a future release.
Bluesky integration is live!
We’re excited to announce that Bluesky is now integrated into both Hootsuite Listening and Talkwalker, giving users access to deeper insights from this rapidly growing social platform. With over 30 million users and counting, you can now explore Bluesky public posts, audience replies, and engagement metrics like Likes, Shares, and Quotes.
Inbox 2.0: More context for approvals
We’ve improved the Inbox 2.0 approval process to make it faster and easier for approvers. Now, when reviewing a message, approvers can see the full conversation history, notes, and sentiment directly in the approval pane, eliminating the need to navigate elsewhere for more context.
Social Performance Score is now available in six languages!
We’re excited to announce that translations for Social Performance Score (SPS) are now available in English, French, German, Italian, Spanish, and Portuguese for all Hootsuite customers.
Developer Portal gets a fresh update
The Developer Portal has a new design for a more intuitive experience. Developers can now update payment details, explore improved app categories, and upload assets securely.
Hootsupport's new look
Enjoy a cleaner, more intuitive experience with a refreshed design, making logging in, searching, and navigating to organizations or members easier than ever.


title: Otoplasty Dubai Al Barsha

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Otoplasty Dubai Al Barsha
Ear surgery, also known as Otoplasty, is a cosmetic procedure that improves the size, shape, structure, and overall appearance of the ears as desired.
Ears are a prominent feature of our appearance and beauty as they are set so close to the face and get their fair share of attention. However, not everyone has neatly shaped and proportionate ears. Some people have abnormal ear structure, large ears that stick out far from their head, or uneven, disproportionate, large, misshapen ears. The cause usually is a birth deformity, but an injury to the ears may also cause it. Due to such reasons, people feel very conscious about their appearance, lose confidence, and struggle with self-esteem issues. Otoplasty Dubai or Ear Surgery is the perfect solution if you are struggling with ear-appearance related issues.
What Is Otoplasty?
Otoplasty or Ear surgery is a procedure for correcting the deformities and defects of the ear. It creates a more natural shape while bringing balance and proportion to the ears and face.
Who Is An Ideal Candidate For Otoplasty?
Dr. Abizer Kapadia, a Board Certified Plastic Surgeon, has provided guidelines as to who can receive otoplasty:
What To Expect At The Consultation With Dr. Abizer Kapadia?
Dr. Abizer Kapadia gives the utmost importance to the consultation as it is the step where you understand the procedure, all the aspects of it, and analyze your comfort level with the doctor and his/her staff. During the consultation, Dr. Abizer Kapadia will guide you through the whole process with all the details and will discuss how to prepare for the surgery, its recovery process, helping you make an informed decision. Dr. Abizer will also discuss and understand your reasons for getting surgery and help you have realistic goals and expectations from the surgery.
During the consultation, you should prepare yourself for a physical examination and discuss your medical history, previous surgeries, drug allergies, medical conditions, and other such topics concerning your health. Dr. Abizer also urges his patients to ask questions and queries to resolve any doubts they may have regarding the surgery, procedure, risks involved, and results as his utmost priority lies in the safety and satisfaction of his patients.
Before / After Images
How To Prepare For Otoplasty?
How Otoplasty Treatment Is Performed?
What Are The Risks Associated With Otoplasty?
All these risks are very uncommon and will not occur in one patient. Dr. Abizer takes utmost care to avoid the occurrence of any risks and complications during the surgery.
How Is Recovery After Otoplasty?
Otoplasty in Al Wasl Road Dubai gives permanent and generally satisfactory results. The patient should have realistic expectations from the surgery as the perfect symmetry is very difficult to achieve. It is important to do regular follow-ups to monitor the recovery and results.


title: ~ Says businesses would never survive ~

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~ Says businesses would never survive ~
PHILIPSBURG, Sint Maarten — According to Independent Member of Parliament Christophe Emmanuel, any discussion about a raise in Turn-Over-Tax (Tot) combined with the implementation of a VAT (Value Added Tax) is unconscionable and does not realistically consider the private sector and consumers of St. Maarten. Implementation of either, he stressed, would also effect the public sector as the ripple effects will affect government’s bottom line negatively.
Emmanuel said government should instead finally tackle its waste and creatively develop ways to generate funds without further burdening the population. If the government is unable to think creatively, he said, the country is filled with educated creative thinkers, “host an economic forum and get your best together to find solutions,” he said.
The MP said he does not understand why looking at such things as gasoline excise taxes (which he has proposed) and/or increased tourism taxes are such taboo subjects.
Especially with new or increased tourism fees you get some people spreading gloom that the tourists will stop coming. Travelers the world over are very accustomed to tourism fees being increased and applied, especially now in the pandemic era. We boast of the high season yet we are afraid to actually do something to make the high season actually benefit the regular person. Instead, we talk about burdening them with destructive taxes,” Emmanuel said.
He said any discussion about increasing TOT shows disconnect with what is happening on the ground. Small businesses, he pointed out, have such small profit margins or are in such debt, many are staying in business out of pride or under less-than-ideal situations.
“Even if profit tax is reduced, what happens to the sole proprietor that doesn’t pay profit tax? An increase in TOT will bury them. A reduction in profit tax isn’t enough to balance what will be lost by an increase in TOT. The trouble with turnover tax is that you pay tax even if your company is losing money. It’s a terrible tax in a country where small and medium enterprises are the back bone and failure to go after the million-dollar tax dodgers seems to systematic and habitual,” the MP said.
Emmanuel said the talk of a VAT is again being whispered in the halls of government. As he has stated previously, the burden of the VAT falls disproportionately on the poor since the poor are likely to spend more of their income than the relatively well-to-do person.
“It has also been proven that revenue from value-added taxes are frequently lower than expected because they are difficult and costly to administer and collect. The fact that a VAT is also administered along every stage of the supply chain (it has to be calculated at every stage), means that again prices will raise beyond control,” Emmanuel said.
The disclosed that in due time he will present some revenue generating ideas once they are worked out but once again called for the staging of a serious economic summit/forum.


title: No more video contest

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At every turn, Tricoci University always wants to support its community. This comes in its dedication to improving the lives of every student who enters the campus. In 2015, Tricoci University also decided to participate in The NO MORE Project to continue their move forward. Here’s how The NO MORE Project influenced Tricoci University.
The Beginning of the “NO MORE” Video Contest
What created the “NO MORE” video contest at Tricoci University? In early 2015, Mario Tricoci, Tricoci University’s founder, and Ross Bravo, the former CEO, attended the “Chicago Says NO MORE” event. This event moved them, making them realize just how much of a problem domestic violence and sexual assault still are in Chicago and beyond.
Tricoci University has a largely female student base, which is just one of the reasons Mario Tricoci and Ross Bravo realized they should step up more. Both men and women are impacted by domestic violence and sexual assault, but women tend to be at higher risk. This led to Tricoci University making the decision to stand behind The NO MORE Project.
The Idea Behind The NO MORE Project
What is The NO MORE Project? The idea behind this project is that together, people can help eliminate instances of domestic violence and sexual assault. Essentially, the project puts forth the idea that until everyone is safe, no one is safe. That’s why it’s so important to step in and make sure domestic violence is stopped.
Whether from domestic violence survivors telling their stories, allies standing up and asserting that they will help people who report violence, or community leaders guiding people to resources, The NO MORE Project helps bring people together. That’s why Tricoci University decided to boost The NO MORE Project in its own way.
Tricoci University’s PSA Videos
The first Tricoci University NO MORE PSA video was a group effort with a variety of Tricoci University students and staff members coming together to express support for the NO MORE cause. However, the college realized that it wasn’t enough to create a single video—there needed to be more voices talking about more problems.
That’s why Tricoci University put out a call for all existing campuses at the time to create their own NO MORE videos. This call was to have every campus show what saying “no more” means to them. This way, every campus was able to talk about their own experience with the beliefs and desires behind The NO MORE Project. You can find these videos below.
“NO MORE” is more than just the name of a charity; it’s a way of life. When you live according to the ideas behind The NO MORE Project, you are working towards a society that is free of domestic violence and sexual assault. Tricoci University has made the decision to stand alongside the people who unfortunately experience these tragic and unimaginable situations. If you’re interested in joining a beauty school that’s made a public commitment to these values, schedule a tour at Tricoci University today.


title: Croque madame

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Saturday morning we woke up hungry and as usual didn’t know what to eat. Fighting off the urge to settle on a bowl of cereal I did a quick scan of the kitchen and decided. A Croque Madame would do nicely.
There are several variations of Croque Madame but the general idea is that you basically make a Croque Monsieur, add bechamel sauce, broil in the oven, and add a pan-fried sunny-side up egg on top. The way I make it varies a little every time I make it depending on what ingredients I have and what mood I’m in. It’s always good no matter how I end up making it. The picture above is one I made a while ago.
I don’t really have an exact recipe but for the bechamel sauce for 4 Croque Madames I put about 2 tbsp of butter in a small sauce pan on medium heat. I then add a quarter cup of flour and stir it together until it forms a paste and keep stirring of and on for a couple of minutes until it browns a little. I then add a cup of milk, salt to taste, some pepper, and a small pinch of nutmeg. Stir often until it begins to thicken, then turn the heat to low and continue stirring often until it is thick enough to stick to a spoon. Take it off the heat when done.
For the sandwiches I use whatever bread I have but prefer to use slices of a crusty French country bread, two slices per sandwich. You can cut one large slice in two if the slices are large as these are pretty filling. I heat a pan on medium-low, spread some butter on one side of the slices and toast them in the pan, not hard, toasted. The toasted sides will be the outside of the sandwich. When done take the bread out of the pan and spread some Dijon mustard on the untoasted side. Add a slice of natural ham, a slice of swiss cheese, and close the sandwich. Put the sandwich on an oven tray and repeat with as many sandwiches as you want to make. When the sandwiches are all on the tray spread bechamel sauce over each one letting it run down the sides, then place the tray in the oven on low broil.
Put a little butter in the frying pan you used to toast the bread and fry one sunny side up egg per sandwich. When the sandwiches are done remove from the oven, place each sandwich on a plate, and place a sunny side up egg on top. Done!
It sounds like a lot of work but once you have done it three or four times it takes less time to do as you get the groove down. I guess that you could also prepare the sandwiches the evening before, take them out in the morning, then just make the bechamel, spread over the sandwiches, pop them in the oven, and fry the eggs.


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September 1985, SEAL Delivery Vehicle (SDV) Team Two, Little Creek, Virginia:
“Amphibious assault was a tactic employed during wartime hundreds maybe even thousands of years before the existence of ballistic submarines, SEAL Delivery Vehicles (SDV) and the Dry Deck Shelter (DDS). Homer described several waterborne assaults in his epic poems The Odyssey and The Iliad. Persian King Xerces (486-465 BCE) lost hundreds of ships to a freak coastal storm in his failed attempt to attack at the heart of Greece, Athens. Not to mention the beat down his massive army received from the warriors of Sparta at the Thermopylae. The Vikings reign of terror on Great Britain through their almost mystical use of waterborne attacks pushed the English to develop a more effective coastal defense and navy.
Modern use of the amphibious assault has had no less an effect on its intended targets than the ancient attackers did. From thousands of Allied soldiers landing on the beaches of northwest France to the sinking of several British flag ships in the port of Alexandria, Egypt by the Italians during World War II, the silent but deadly option still strikes fear into the hearts of mortal men,” Master Chief said.
During high school this type of lecture or monologue would have probably put most in the room to sleep. No one was asleep, but that didn’t stop the class clown from chiming in.
“So Master Chief, yah read much?” Swamp Thing asked. He looked at the rest of us, his face screwed up. We laughed.
Eight of us huddled around an SDV sitting on its trailer, outside one of the garage bays used for maintaining the SDVs. The late summer sun was blazing bright in the Virginia sky. We tried to use the SDV for shade. It wasn’t working out too well. We felt like chickens in a roaster. The trailer was metal so it burned exposed flesh when touched. The concrete grinder felt like you were lying on a pizza stone. Plus we were waiting. Waiting for one of the Advance Operator Training (AOT) cadre to tell us what was going on. The waiting made everything more irritating.
The SDV was broken. During a dive the day before one of us new guys ran it into a wall smashing up the front end. All the SDV’s vitals are located in its nose. We were told it was down hard. Some of us wondered, as did the Cadre, if the wreckage was intentional. The pilot only smiled and the navigator simply shrugged his shoulders. We were all pretty tired of diving anyway so no tears were shed for the SDV.
We’d been baking in the sun for about an hour when Master Chief came over to chat with us. Someone in our group was complaining about being shafted by the detailer… he wanted to be a real SEAL not an SDVer. Master Chief had a few things to teach us about Frogmen.


title: Comelec bohol in a state of readiness

text:
Provincial Election Supervisor Atty. Jerome Brillantes declared that the Commission on Elections (COMELEC) together with all government and private entities under the poll body’s control and supervision are now in a “state of readiness” for the May 9, 2016 local and national elections.
This was the confident pronouncements of Brillantes during the final command conference held at the Bohol Cultural Center yesterday, May 3, 2016 with all the stakeholders in attendance.
The 1,546 Vote Counting Machines (VCM’s) and their accessories are now under tight watch by the police in a 2Go warehouse in Barangay Taloto, Tagbilaran City while the official ballots are in the possession of the municipal treasurers.
The VCM’s popularly known as PCOS machines during the 2010 and 2013 elections are scheduled to be delivered on Thursday, May 5, 2016 to the voting centers for the Final Testing and Sealing (FTS) the next day, May 6, 2016.
The process involves the testing of each machine with 10 ballots to see if these will work properly before these are sealed one last time before election day and stored in a secured area in the voting center.
Meanwhile, the Bohol Provincial Police Office (BPPO) Operations Branch headed by Police Superintendent Lorenzo Batuan reported to the COMELEC the arrival of more than 500 additional police officers from the Regional Public Safety Batallion.
The additional policemen will augment the existing police forces assigned in the eight municipalities placed under the COMELEC Election Watch List Areas (EWAS).
The three power distributors in the province, Bohol Light Utilities Inc.(BLCI) serving Tagbilaran City, Bohol Electric Cooperative 1 and ll assured the COMELEC that all their distribution lines have undergone preventive maintenance to prevent power outages during the elections.
The National Grid Corporation also assured the COMELEC of sufficient and stable power supply during election day.
Classrooms to be used as polling precincts and rooms for the Board of Election Inspectors (BEI’s) are also ready for occupancy. (Chito M. Visarra with reports from Rey Tutas).


title: Can tiny evs revolutionize urban transportation in the us

text:
The Nissan Sakura EV is a tiny electric car with a range of around 80 miles. In Japan, kei cars like this are popular for short trips around cities and neighborhoods. At around 2 million yen ($13,500), the Sakura provides an affordable, practical option for local emissions-free driving. Kei cars can serve an important transportation niche in American cities and towns as well.
For many urban residents, a small EV is perfect for errands and commuting. With a top speed of 80 mph, the zippy Sakura has plenty of power for urban and suburban driving. Its compact size allows easy parking in crowded cities. Yet the interior remains surprisingly spacious and comfortable. For in-town trips under 80 miles per day, the little Nissan can handle everything.
Home and workplace charging makes it easy to plug in the 20 kWh battery overnight or while at the office. Occasional fast charging can extend the Sakura’s daily usable range too. So despite its limited range, this EV still works for a number of US drivers.
The Sakura’s small footprint also makes it very energy efficient to run. Less battery capacity is required, lowering production costs. And the car uses little electricity to move around town. For eco-conscious city dwellers, that’s a major selling point.
While the Nissan Sakura won’t work for everyone, it fills an important niche. For young urbanites, second vehicles, delivery fleets, and more, these tiny EVs offer cheap, green transportation. US cities should welcome kei vehicles like the Sakura. They provide mobility options without the noise, pollution, and congestion of conventional cars. As American cities continue to grow, innovative vehicles like these will only become more useful. For short local trips, the tiny Sakura EV has a lot to offer drivers.


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Q: How do I install Plutonium IW5 / Modern Warfare 3 game files?
A: You can get a free copy of MW3 from steam. Follow this install guide: https://plutonium.pw/docs/install/#iw5Q: Will I get VAC banned for using this?
A: No! Plutonium IW5 has it's own servers and is entirely separate from the steam version. We also don't modify your game folder to ensure complete separation.Q: Can I use controller
A: Yes you can, we have native controller support!Q: How can I change my FOV and FOVScale?
A: Open the in-game console with the tilde key and enter the following command -cg_fov X
(Replace X and Y with your own values).Q: How can I change the FPS cap?
A: Open the in-game console with the tilde key and enter the following commandcom_maxFps 250
(This will set max fps cap too 250)Q: How can I get the DLC?
A: Follow this guide and skip to theInstalling the DLC
section: https://plutonium.pw/docs/install/#iw5Q: How can I change my in-game name?
A: Your in-game name is based off your forum username. See this guide to learn how to change your username: https://forum.plutonium.pw/topic/565/how-to-change-your-in-game-name-iw5Q: My game looks blurry but my resolution is correct, how do I fix it!?
A: This is due to a default graphic setting in MW3, see the graphics section of this guide: https://forum.plutonium.pw/topic/1496/quick-start-configuration-guideQ: Why does my antivirus flag Plutonium as a virus and how can I add a folder exclusion to Plutonium to prevent this?
A: Follow this guide: https://plutonium.pw/docs/antivirus/Common Issues
Error: Game crashes on the first-ever launch.
Fix: This is because some paths need re-writing, this will eventually be fixed but relaunching the game should get you going.Error: Game crashes randomly ingame without any specific error or a crashdump.
Fix: This is most probably caused by shitty AVs such as Webroot/Avast and can't be solved even if you add Pluto to exclusions. We recommend uninstalling the AV, restarting your PC for changes to take effect and launching the game again.Error: Unable to refresh server list
Fix: These are all likely firewall problems, ensure Plutonium IW5 (both launcher and game) is allowed through your Windows firewall, ensure your ISP doesn't have a router Firewall such as Xfinity. https://forums.xfinity.com/t5/Email-Web-Browsing/Unblock-all-websites/m-p/3303661/highlight/true#M215393
https://internet.xfinity.com/more/my-services go there and disable the xfi advanced security.Error: Could not authenticate to Plutonium: Unknown error or Could not authenticate to Plutonium: An error occured while connecting to the server
Fix: Your DNS provider (likely your ISP) is filtering requests. Change your computers DNS servers to something that does not filter requests, such as 126.96.36.199 - Follow this guide if you don't know how to change your DNS: https://www.windowscentral.com/how-change-your-pcs-dns-settings-windows-10. If this doesn't work, use a VPN.Error: Launcher says 'end of stream' when launching Plutonium IW5.
Fix: Restart the Launcher.Error: Sounds are muffled / not right.
Fix: Open the console and type snd_enableEq 0 and press enter.Error: Account not found.
Fix: Usernames and passwords are case sensitive, make sure you write them correctly - for examplemr. android
would fail butMr. Android
would be successful.Error: Unable to see the servers button on the main menu.
Fix: If you are missing the servers option from the main menu do the following:
Enter /kill_dedicatedserver 0 and theater_active 1 into the console then restart the game.
If this doesn't work it's likely you are using an unclean install (Lots of random dll's etc in the game folder)
Please reinstall the base game mw3 via steam https://plutonium.pw/docs/install/#iw5Error: Mouse does a 180 randomly, or behaves funny.
Fix: This is a problem with the base game showing it's age, lower your mouse polling rate to around 100Hz. Also try changing the MW3 process priority from high to normal.Error: Could not authenticate: token expired
Fix: This issue is caused by your PC's clock not being set correctly. Please update it to the correct timezone.Error: MENU_CONTENT_NOT_AVAIVABLE
Fix: You will get this error if you try to join a server running a DLC map when you yourself don't have the DLC installed.
Solution: Install the DLC https://plutonium.pw/docs/install/#installing-the-dlcError: It appears you have selected an invalid game folder
Fix: This is because you didn't select a valid MW3 folder. If you are confident you have the right folder selected and are still getting the error this means your game install is incomplete or broken. Follow this guide.Error: Stuck on bound to socket / Stuck on cmd window / game not starting at all
Fix: This is caused by some software running on your machine clashing with Pluto. SONAR RADAR, SONAR STUDIO, GAMERSFIRST IV, NAHIMIC, ADVANCED SYSTEMCARE ULTIMATE, PREMIER OPINION are some of the programs that cause issue, uninstall them if you have them. Can also be caused by some antivirus softwares.Error: Problems launching Steam MW3 after installing Plutonium
Fix: This is caused by the fact that Plutonium deletes steam_api.dll which is required if you want to play MW3 on steam. To reacquire this file simply go to MW3's properties from within steam -> Local Files -> Verify Integrity. This will re-download the missing dll, allowing you to play.Error: Disc Read error
Fix: Ensure your hard drive isn't full or close to being full. If there is only a few GB left or less this could result in this error. This could also be caused by a broken basegame, verify integrity of your files through Steam.Error: steam_api issue
Fix: Run Plutonium.exe as admin, or alternatively manually go to your game folder and delete steam_api.dllError: Oops Plutonium ran into a problem
Fix: If this is your first time launching the game, please try again as it may resolve itself. However, if this occurs every launch it is highly likely you have another piece of software running interfering with the game, examples of software that cause this issue are MSI Afterburner and RiverTuner. Please exit these if running or uninstall them.Error: After clicking 'Play' or 'Setup' the launcher closes and nothing happens
Fix: You may be missing a required runtime, please download and run the Redist Installer. If this does not help, exclude your Plutonium installation from Windows Defender's scanning by following this guide.Error: Could not authenticate to Plutonium: snowroller uninitialized
Error: Handshake: certificate verify failed
Fix: This error occurs when you are trying to launch an outdated version of Plutonium. However, this should not happen if you are launching the game via Plutonium.exe which checks for updates on each launch. So if you are starting the launcher via plutonium-launcher-win32.exe please do not. Launch via Plutonium.exeError: The code execution cannot proceed because D3DCompiler_47.dll was not found. Reinstalling the program may fix this problem.
Fix: You are missing redists the game needs to run. To fix this download and run the following redist installer then restart your pc and it will be fixed: https://github.com/ChxseH/Redist-Installer/releases/download/latest/Redist-Installer.batError: The code execution cannot proceed because D3DCompiler_43.dll was not found. Reinstalling the program may fix this problem.
Fix: Same as above ^Error: The code execution cannot proceed because MSVCP140.dll was not found. Reinstalling the program may fix this problem.
Fix: Same as above ^Error: The code execution cannot proceed because XINPUT1_3.dll was not found. Reinstalling the program may fix this problem.
Fix: Same as above ^Error: The code execution cannot proceed because XINPUT1_4.dll was not found. Reinstalling the program may fix this problem.
Fix: Pluto doesn't support Windows 7, upgrade to Windows 10.Error: Extremely Low FPS (Gaming Laptop)
Fix: This documentation pageError: Your game is outdated (rxxxx against rxxxx).
Fix: This is caused when your client is out of date and you try to join a server. Generally this is caused by you pinning the launcher to your taskbar while the launcher is open. This pins the wrong exe and skips the auto update process allowing your client to get outdated. Please make sure you instead always launch from Plutonium.exe you can also simply pin this exe to your taskbar by storing it in a safe place like your game folder then right clicking the exe -> pin to taskbar. If you can't find Plutonium.exe you can download a fresh copy here: https://cdn.plutonium.pw/updater/plutonium.exeStill not found your issue?
Make a new post in: https://forum.plutonium.pw/category/15/mw3-client-support


text:
What is Darbepoetin alfa 100mcg Actorise?
Darbepoetin alfa 100mcg Actorise Injection is utilized in the therapy of pallor that may have happened because of constant kidney illness or chemotherapy. It works by invigorating the bone marrow to deliver more red platelets.
Darbepoetin alfa is a re-designed type of erythropoietin containing 5 amino corrosive changes (N30, T32, V87, N88, T90) bringing about the making of 2 new locales for N-connected starch expansion. It has a 3-crease longer serum half-life contrasted with epoetin alpha and epoetin beta. It invigorates erythropoiesis (expands red platelet levels) by a similar instrument as rHuEpo (restricting and enacting the Epo receptor) and is utilized to treat pallor, normally connected with ongoing kidney disappointment and malignant growth chemotherapy. Darbepoetin is advertised by Amgen under the business trademark Aranesp.
How Darbepoetin alfa 100mcg Actorise can be used:
Actorise 100 Injection is a medication that should be utilized with the most extreme consideration since it can prompt genuine results. Significantly, you look for treatment from a specialist who is knowledgeable about giving this medication treatment. You ought to follow every one of the bearings of specialist stringently. It is given under the management of a medical services proficient. Nonetheless, you ought not to take it, if you have any known sensitivity from this prescription.
Side effects of Darbepoetin alfa 100mcg Actorise:
It might cause results like hypertension, and extreme touchiness. You should check your circulatory strain routinely while taking this medicine. Advise your primary care physician if there are indications of hypertension like extreme cerebral pain, issues with your vision, sickness, regurgitating, or fits (seizures).
Your primary care physician may complete your blood tests consistently to screen the degrees of salts (electrolytes like potassium), hemoglobin, and platelets in your blood. You should quit taking it and talk with a specialist in the event that you foster windedness or skin rash. For more details click here.
Business trademark:- ACTORISE
We are exporting medicines from India to different countries like United Arab Emirates, United States, Brazil, Saudi Arabia, etc. If you are looking for another product or brand click here.


title: Splurging setting aside or spending skill

text:
Want sweet-somethings whispered in your ear? Words of affirmation are your love language. Or perhaps you’re a self-proclaimed cuddler, who gets the warm and fuzzies when giving or receiving hugs and kisses. Your love language is physical affection. Maybe you consider fixing your partner’s washing machine to be the greatest demonstration of your affection. Congrats – your love lexicon is service.
But perhaps you haven’t heard of the money love languages. These relate to how we show our appreciation for money, and also how we manage it.
As with any love language, there are always positive attributes and behaviours we need to guard against. Identifying which love language and spending style we best resonate with is the first step towards understanding what drives our spending, and empowering ourselves to make better financial decisions.
Which money love language do you speak?
Those who identify with this money love language are those who tend to spend without hesitation; someone generous beyond expectations. They’re happy to splash out, spoiling themselves and their loved ones with lavish gifts and experiences, while often telling themselves that they will deal with the financial fall-out later.
Find yourself regularly closing your eyes and swiping your debit card? Do you view a budget as more of a light suggestion, than a plan to live by? Is Yolo (you only live once) your life motto? Then your money love language is very likely splurging.
The upside of this love language is that those who identify as splurgers are typically very generous, spontaneous personalities who live life to the fullest. However, there are major pitfalls to this spending behaviour that you should be wary of; namely debt, and not having adequate savings or financial protection should something go wrong.
Advice for splurgers
You can temper your spending behaviour without quashing your generous spirit.
The first step is to safeguard against debt, by not spending money you don’t have. Always do your research before splurging on a gift – often there are better deals if you take a little time to browse for them, and make sure purchases are made with money you have, and not on credit.
It is also helpful to ‘pay yourself’ before splashing out. Transfer a pre-determined chunk of your money to a savings account so that you can start building a rainy day fund, and ensure that your life, disability and critical illness as well as income protection cover is up to date. Alternatively, pay your disposable income into a separate account and view that as your ‘spending’ account, which stops you from dipping into the money you need to cover your essential expenses and savings.
‘Squirreling’ refers to storing all of your disposable income away for rainy days. Squirrels enjoy having a stash of money tucked away rather than spending (what they regard to be) frivolously; thus, those who identify as this money love language are often viewed by others as stingy.
However, there are many positives to this behaviour, as squirrels tend to have a good amount of money saved for emergencies. They also usually have a sterling credit record, and are more likely to be granted a home loan should they ever apply for one, or might receive preferential interest rates on credit cards or loans.
The downside, however, is not ever enjoying any of the money you work so hard for; living in wait of the rainy days at the expense of living right now. Squirrels also tend to look for the cheapest options when they do spend, meaning that they might be at risk of purchasing goods of inferior quality, which could end up costing them more in the long run.
Advice for squirrels
The trick is to strike a balance between saving diligently, spending prudently and enjoying the funds you have specially allocated for luxuries and fun.
Although it is undoubtedly beneficial to save money, there’s a balance that we need to attain to live a healthy lifestyle. It’s important to consider the effect of only saving and not spending. Do you have reciprocal relationships that you can count on for assistance in times of need? If you never spend to help, support or treat others, they will never do the same for you. There is a saying, ‘no man is an island’; meaning that people are meant to be in relationships with other people – and not only their money.
This love language is the gold standard.
Those who identify as spend-savvy are wise in the ways of the money world. They save prudently and spend wisely, with their eyes wide open. They make sound investment decisions. They avoid debt and stick to a budget every month, keeping a little aside for spontaneous purchases or enjoyment.
Spend-savvies are financially literate and understand the important role that risk cover plays in their portfolio.
They have a will in place, safely stored with a fiduciary, and are open to taking calculated financial risks. They are usually well on their way to achieving financial freedom (if they’re not yet already there).
Advice for spend-savvies: While spend-savvies might seem like financial unicorns, there is always an opportunity to brush up on your money knowledge and hone your skills even more.
Consulting an experienced financial advisor who has the know-how to help you make impactful tweaks to your already-sound portfolio will help set you up on the path to building even more wealth.
Recognising one’s money love language will assist in better understanding our emotional connection to money. By knowing the dynamics of our innermost behaviour, we will be better prepared to pause and think clearly before making a financial decision.


text:
Autodesk AutoCAD 2D Basics and Advanced Commands + Civil Arch Drawings Practice from A to Z
What you will learn
Introduction to AutoCAD how we can begin
Basics and advanced commands in AutoCAD (all commands)
Draw a full architectural shop drawing project
Draw a full structural civil enginering shop drawing project
Autodesk AutoCAD 2020 in this we will learn the basics of AutoCAD so we can begin with beginner then when we will be well with the basics commands and options of AutoCAD we learn some advanced tools in AutoCAD these method of practice and learning will help us to be professional in AutoCAD and we will all the most important used tools in this software. The most important tools will be used and we will learm them in the first part of this course are: ( line, rectangle, copy, move, polyline, offset, chamfer, trim, mirror, rotate, arc, circle, points & coordinates, hatch, extend, trim, array, donut, spline, multi line, explode, object properties, scale, stretch, text, blocks, dimensions and layer properties) in addition to more advanced tools and method of drawing which facilitate our work and make it more easy and fast.
So after after the first part terminate we will go to the second part which is : Work on Architectural Project we will draw a new project from a to z ( plans, sections and elevation)
Part 3 : work on structural shop drawing of a structural project in this part we learn how we can draw with a very fast method the shop drawing of a structural element using AutoCAD.


text:
The moment I saw These I knew I would be making them this
week! First of all, they are too Cute not to try. And, second of all,
Brandon just got home and since he enjoys Pumpkin pie... Why not?!
I should be icing the 60 cookies I need to finish for the bake sale to benefit
the Surry County Hospice this weekend - But this looks like Way more fun!
I think this is as Thin as I can go...
Maybe I should have rolled thinner because I didn't get twelve
pumpkins out of each sheet of my Pie dough like the recipe says
Oh well! On we go...
Finally! A good reason to break out my new mini-Muffin pan!
Boy, this sure smells like Thanksgiving pumpkin pie!
A bit of egg-Wash around the edges
All filled up and ready to bake... In you go,
Little pies. Go on and do your thing now!
Wow! They actually do look like tiny Pumpkin pies!
I love it when a great Recipe comes together!
Brandon just popped into the Kitchen and asked me if I used melted
chocolate to draw the little Faces on my mini pumpkin pies. When I
told him that I did, he said he thinks I have too much time on my hands
That may very well be true, I told him. But since he's potty
trained, and in the Army now, what else have I got to do?
And to that comment, my Ranger gave me this face!
Okay, enough stalling. My cookies aren't going to Ice
themselves... So I better get going on making the Royal icing
The last four of my mini Pumpkin pies are done. Oh,
by the way... This little dab of Chocolate is great but
when you try these, don't forget the Whipped cream!
Okay. Brandon says he's Hungry now. Lucky for him I whipped up some
of my Chicken enchiladas before we left for the airport to get him!
Otherwise, his Welcome-home dinner would have
taken me much longer to prepare this evening, and he
probably would have talked me into ordering Chinese!
Every time I make these Cookies I say, Never again... But then I get
results like this and I can't wait for an Excuse to do it all over again!
I hope these Autumn leaves help raise lots of green for Hospice!
Gosh! Look at the time... I better call it a day. Besides, our
Brandon is home again so I'm going to sleep like a baby!


title: History of an icon

text:
History of an icon
CDs disrupted the music industry, while Bang & Olufsen’s Beosound 9000 disrupted the concept of the CD player with its revolutionary design, first debuted in 1996 at the height of CDs’ popularity. With its vertical display of discs, Beosound 9000 broke away from the conventional black box design, which quickly consolidated its status as a time-transcending design icon.
A brief history of the CD revolution...
With their pristine sound and compact size, CDs pushed the boundaries of audio and remained the benchmark for digital audio quality for decades. The high-quality sound performance of CDs allowed listeners to get a nearly bit for bit playback of tracks as they came out of the mastering studio. Not only did they represent a significant leap forward in audio technology, but they also catalysed a transformative period in the music industry marked by increased creativity and artistic expression.
The hegemony of CDs not only allowed artists to expand their artistic vision sonically, but also visually.
A design revolution
While CDs disrupted the music industry, Bang & Olufsen’s Beosound 9000 disrupted the concept of the CD player with its revolutionary design, first debuted in 1996 at the height of CDs’ popularity. The visual component of CDs inspired renowned industrial designer David Lewis to come up with Beosound 9000’s design.
The sleek and innovative design of Beosound 9000 included a motorised glass lid, touch-sensitive buttons and state-of-the-art technology that allowed listeners to swiftly switch between tracks and CDs in a matter of seconds, all while displaying the listener’s favourite albums.
A pop-culture icon
Beosound 9000 quickly became a symbol of status and sophistication, immortalised in pop culture through its countless appearances in movies and television shows – a testament to the CD player’s cultural significance. Whether in Miranda’s home in ‘Sex and The City’, Matthew McConaughey’s apartment in ‘How to Lose a Guy in 10 Days’, or Pete’s apartment in the cult sitcom ‘Friends’, Beosound 9000 is continuously portrayed as a coveted object of desire that speaks to the spectator.
Recreated. Replayed. Reborn.
This is made possible due to the craftsmanship capabilities of Bang & Olufsen’s Factory 3 in Struer, Denmark, which has taken in original units of Beosound 9000 and recreated them as part of the Recreated Classics Programme using the same tools and work stations created decades ago.
More than just a CD player, Beosystem 9000c creates synergies between the past and the present, offering listeners a glimpse into the evolution of audio technology while remaining a timeless icon in its own right.
Join the House of Bang & Olufsen
Enjoy new and limited products, exclusive events, special offers and much more before anyone else.