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Raise your hand if your investment accounts have been uh, less than fun to look at this year.
I’m not necessarily just talking about the recent market volatility over the past six weeks either. Nope, my portfolio with Wealthsimple has been flirting with a certain round number for a few months now.
It even crossed over it one time! But alas, it was not for long, even though I’ve been putting in hundreds of dollars per paycheque like clockwork this whole time.
I’m not new to this game, since I started investing in a market climate really similar to this one. I’m glad I started when I did, but even though I know what it’s like to keep contributing to an account that never seems to go up, it doesn’t make it any less annoying when it happens now.
So in no particular order, here are the four things that I am printing out writing on Postits (I don’t have a printer) and sticking to my laptop for when I inevitably look at my accounts and get frustrated.
A giant disclaimer: No one is supposed to even look at their portfolio when it’s on autopilot, and I am a Not Ideal Personal Finance Person on this. The best thing you can do is to stick to contributing on a regular basis, and if your investments are on autopilot, like mine are with Wealthsimple, leave them that way and avert your eyes. Looking does no good!
You chose your portfolio based on your goals, not the market.
The thing is, you have to remember that it’s a portfolio.
When you start investing, whether you want to DIY or use a rodoadvisor or work with an investment manager, the first step is to think about your goals and what you’re investing the money for. (You can learn more about this in my totally free investing course, Zero to Investing Hero.) Based on that, you’re choosing to invest in a mix of different things—not just one thing, like a cannabis ETF—that will broadly align with your risk tolerance and your goals.
Roboadvisors and investment managers will recommend the mix for you, but the key point is that this decision is based on things that are entirely outside of the market: you, your goals, your risk tolerance, and your timeline.
Those things don’t change just because the market goes whack-a-doodle for a few months, so it’s always in your best interest to stick to your original plan, not to mention “have a plan in the first place” and “understand why it’s your plan.” Again, more on that in my free investing course.
You’re still buying an absolute number of investments, even if your portfolio isn’t going up in dollar value.
Do I wish my account would just crack that round number and freaking stay there? Of course. But there’s a better number to pay attention to: the number of investments you actually own.
While it’s frustrating to look at the dollar value of your portfolio as a whole when it doesn’t want to budge, the thing to remember (at least in broad terms) is that when the market is down, you’re buying more investments for the same amount of money.
Let’s say you invest $100 per paycheque, and that each investment costs $10. Normally, you’d buy ten investments for $10 each every paycheque. If the market goes down, and the price of the investment drops to $9 each, your regular $100 contribution now buys 11 (and a bit) investments each pay period.
If you’re watching the dollar value of your portfolio, you’re probably like “Yikes, that’s a 10% drop, I am not happy” but every contribution you make while the market is down buys you more investments for the same price—which means when the market goes back up someday, you’ll be left holding even more investments than you would have in the first place.
You don’t believe in timing the market.
Tomorrow could be the biggest single day of gains in market history! It could also be a complete disaster, and everything could fall by 20%.
The most important thing to keep in mind is that truly, no matter who you are, you don’t know what will happen tomorrow. If you did know for sure, like, truly 100% for sure, that’s either insider trading, which is illegal, or you should be out there making zillions of dollars with your highly accurate crystal ball.
You might see or hear people talking about actions to take based on the market, like “Now is a great time to buy!” or (and this is especially true of personal finance Twitter) “Stocks are on sale right now!” Just remember that the best thing to do is plan out your investment strategy before you start investing, and base your decisions and your plan on things unrelated to daily market moves.
Because trying to time the market isn’t a strategy, and it doesn’t result in better performance in the long term. That’s (actually) just science.
You’re in this for the long term.
Speaking of the long term, I like to keep in mind that my time horizon for this money is 30 to 35 years. And call me crazy, but I do think that over the next 30 years, my investments will go up. To date, the worst performance over a 30-year period of time for the S&P 500 was 854%. That includes some very bad *years*, but over the long term, you can see a definite trend.
That means I really don’t need to worry what happens over the course of a month, or even a few months, because I’m investing on the scale of decades. And that timeline, FYI, is what informed a lot of my investing choices and plan—if you’re closer to retirement or needing your money, or just less comfortable with risk, your before-you-invest-a-single-dollar planning will probably look a lot different than mine.
This has been Desirae’s Investing Pep Talks.
Oh boy, I really felt this one! One particular bad habit I have in market downturn time is obsessively checking my book value number against the market value. For no real reason… I sort of try to comfort myself by saying “Well, my market value is still higher than my book value, that’s something” – but then the closer those two numbers get, the more frustrated *I* get haha. Fortunately, I’m never motivated to do anything dumb in response. But it’s definitely an unnecessary exercise in frustration.
Number 2 on your list, the absolute number of investments, is usually the thing that makes me feel the best when the market dips. Looking at unit price gives me a bit of an “Oooh, but look I’m getting a deal!” buzz that helps carry me through.
I gotta say though, I do an annual net worth review every January, and if the market is not up by then I’m going to be extra frustrated!
great article! It is such a good reminder and also easy to forget.
Another suggestion is to not look at totals. If you invest in exchange traded funds or stocks you can track the individual ticker BUT not the total units you own. I track all my funds in bloombers app only by ticker.
That way you don’t see a large total that goes up and down which can be really demoralizing. The few dollars up and down is a lot easier to see and stay calm.


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Every once in awhile here in the Vintage Kitchen shop, we encounter a vintage item that seems impossibly quiet when it comes to deciphering the true biography of maker and manufacture. Such is the case with this pretty set of 5 matching demitasse cups.
Positively Spring-like, their green ivy-like border, bright white bodies and gold detailing are a beautiful combination of elegance and simplicity. The upturned angle of the handle, a unique and intriguing feature, and the curly gold and green design lend themselves to older antique style details but the cups large size (4oz capacity) lends itself to more mid-century modern appeal.
Unmarked on the bottom, they are a mystery has far as correctly identifying a maker, but we do know that they spent some significant time in the sea-surrounded state of Florida amidst the sunshine and gentle sway of palm trees. That provides you with just a smidgen of a hint as far as past adventures in the life of these five, and opens up a whole world of possibility for your imagination. As coffee break companions, they would have been privy to a wealth of interesting conversations. It is fun to imagine what might have been discussed, and who was discussing them. Newsy topics of the day, perhaps or family stories, advice or admissions, confessions or courtesies... the possibilities are intriguing indeed!
In lovely vintage condition. Some delicate crazing lines a ppear on two of the cups. Two cups also contain very light staining (so light they can barely be seen in photos). One tiny light rub mark on each gold handle (most likely from use or hanging hooks). No chips or cracks.
Each cup measures 3 1/8" inches (height) 2 1/2" inches (diameter). Holds 4 oz. of liquid.
A beautiful set for espresso, half cups of coffee, your favorite warm beverage or for use as petite hors d'oeuvres cups for soups, dips or mini desserts, there a host of uses for these helpers when it comes to serving and preparing food. Pair them with other green, white and gold dishes for beautiful table display and presentation.

industry_corpus2: Hospitality & Catering


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Isn’t that what doctors have always done? There are all those clinical trials, medical journals and scholarly conferences that review the latest results from different treatments. They’re swimming with evidence.
It turns out that much of the practice of medicine is based on expert opinion and individual case studies. In fact, the core of physician training is the apprenticeship model, where they shadow senior doctors during patient rounds and sit in on “grand round” lectures.
One analysis showing the need for an evidence-based approach to medicine examined the treatment of patients with myocardial infarction (heart attack) from 1960 to 1990. It turns out there was plenty of solid research and data being published in the journals that showed the efficacy of thrombolytic therapy (the use of drugs to dissolve blood clots) in the 1970s. By the mid-1980s, the research appeared irrefutable. Still, medical textbooks and expert opinion lagged the data by almost 10 years, according to Victor Montori (“Respiratory Care,” 2001).
In our own field of professional learning and development, we are much worse off than the field of medicine. We’ve learned our craft from experts, case studies and decades-old research in very controlled environments. How much do we really know about instructional systems design, constructivism or learning styles as they apply to adult learners in today’s work environment?
Most of the applied learning research that is done today is “lab” research (typically using college students as subjects), and the good research rarely reaches the desks of instructional designers, training managers or CLOs.
Or how about this one: “Only 10 percent of training results in behavior change on the job.” You’ve heard that, right? It turns out that a training manager named David Georgenson used a rhetorical opening in a 1982 article about the transfer of training. His made-up literary effect has been picked up ever since and referenced as “findings,” “research,” “a report” and “a comprehensive survey.” (See The Industrial-Organizational Psychologist, Vol. 39, No. 2, October 2001).
I suggest that our own field of professional learning and development could benefit from a healthy dose of “evidence-based training,” defined as the conscientious and explicit use of the best current evidence in the design and development of workplace learning programs. Evidence-based training does not discriminate against experience or situation; it simply integrates the instructional designer’s expertise and the learners’ preferences with the best and most context-relevant external data.
Signs of increased interest in rigorous analysis can be seen in the Learning Economics Group (www.learningeconomics.org), which was formed to look at the economic impact of learning on organizations. We can also look to the work of Will Thalheimer, Ph.D., who is digging out evidence-based design strategies from academic research and making them accessible to corporate trainers. These are small signs that we are moving in the right direction, but there is much more that needs to be done.
Sackett’s call to arms, a simple definition of evidence-based medicine 10 years ago, has led to a small but growing global movement in health care. It has spawned an entire series of articles, Web sites, conferences and journals that support his original idea. It is my hope that 10 years from now we will see that the same progress has occurred in our own field. Hopefully we’ll come to the day where we actually fund, understand and value applied learning research and obtain dramatically better performance results.
Kevin Kruse is a president of AXIOM Professional Health Learning and facilitator of www.e-LearningGuru.com. For more information, e-mail Kevin at kkruse@clomedia.com.

industry_corpus2: Health & Medicine


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A little while ago Mini Reviewer, Izzie (5), won a book token at school and so off we went to our local bookshop where she picked out a new book all by herself. It was Isadora Moon Gets in Trouble by Harriet Muncaster. We read it together and that was it, she was hooked and wanted to read the whole collection.
This is book about Isadora Moon. She is a bit of vampire and a bit of fairy. In this story she gets into a lot of trouble with her cousin. They make themselves small with a potion and her best friend, Pink Rabbit, is made really small because he jumped into the potion. They also make a dragon and it goes to school with Isadora. She gets in lots of trouble at school and is sent home.
My favourite part in this book is the dragon because he breathes out stars and glitter, not fire!
I am now going to read all the Isadora Moon books!
Isadora Moon goes on a school trip to a castle. The teacher didn't think it was haunted but it was. Isadora found a ghost called Oscar and when she showed the ghost to her friends they all screamed and ran away. Oscar was a friendly ghost and so he was sad. Then they found a suit of shining armour and put Oscar in it. Isadora took him back to her friends and they all made friends with Oscar. Then Isadora Moon took Oscar's helmet off and they didn't scream. Oscar was happy.
I like the front cover of this book because it's all sparkly and I like the pictures because they are all pink and black and white. My favourite character in this story is Oscar because he is friendly.
I think it is clear that Izzie is an Isadora fan, so when we discovered there was going to be an Isadora Moon Halloween Party at Waterstones with Harriet Muncaster, the creator of the series, we couldn't resist popping to Manchester to see what it was all about.
We are so glad that we did as it was a fantastic afternoon of activities and games. Our favourite part was meeting Harriet and learning to draw some of the Isadora Moon characters including a bat, Pink Rabbit and even Isadora herself!
Izzie loved the opportunity to meet Harriet and get all her books signed. She even won a prize in the fancy dress competition together with Poppy who was an uncooperative, but very cute Pink Rabbit! Their prize was a new Isadora book of course and so we are now currently half way through Isadora Moon goes to the Ballet and I am sure Izzie will be ready to share her thoughts very soon.
From a parent's perspective, I think the Isadora Moon series make perfect first chapter books for children of around age 5 and up. As Izzie is not quite reading independently, she reads a bit (with help when needed) and then I read to the end of the chapter. Reading together like this is really building her confidence and she is delighted to be reading "big" books! The stories themselves are fun and full of magic but also with an important underlying message, it's ok to be a bit different, after all Isadora is half fairy, half vampire, totally unique!
Harriet's eye-catching pink and black illustrations throughout the books make them very special indeed and I think it was the sparkly cover that initially made Izzie pick up the first book in the bookshop.
I also want to mention that Mini Reviewer, Theo, sometimes enjoys listening to these stories too so they aren't just books for girls! He also enjoyed the Halloween event and was very taken with the miniature Isadora scene Harriet had created and he could name all the characters, which I thought was pretty good going considering he is still only three!
Thank to you to Harriet and also to Waterstones for hosting such a great Halloween party. Harriet is appearing at a few more events in November 2017, you can find out more about the events and all about Harriet on her website or take a peek at this fabulous interview with her over at With Love For Books.
There are currently six books in the Isadora Moon series and the seventh book Isadora Moon Goes to the Fair will be released in March 2018. So we have a little time to read the others before then and I'm sure we will!
Thank you, her wings were not the best but it's amazing what you can do with a bin bag!!
Thank you Kate and thank you for hosting #TriedTested - off to do my commenting now!
Glad you all had a lovely time.

industry_corpus2: Literature & Emotions


text: Chattanooga Attorney Jim Purple has been planning estates for more than 31 years. Living revocable trusts, Last Will and Testament, power of attorney, living will declaration. Complete estate planning.

industry_corpus2: Law & Justice


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I've started taking photos with my camera in its "Manual" mode. Why anyone would ever want to do that might baffle new photographers, so I've tried to explain my reasoning here.
There are three important settings in a camera that decide how the image turns out: the ISO sensitivity, the shutter speed and the aperture size. If you change any one of these, the brightness of the resulting image will change, so you might have to compensate by changing another of them. Much of basic photography is concerned with balancing these three settings.
If you increase the ISO sensitivity (i.e. how strongly the sensor reacts to light), you get a brighter image but with more noise in it. If you decrease the ISO sensitivity, you get less noise but also a darker image.
If you increase the shutter speed (i.e. how short time the camera is open to light), you get a darker image where movement is "frozen." If you decrease the shutter speed, you get a brighter image but with motion blur. Sometimes the motion blur is so extreme that it looks more like a ghostly trail.
If you increase the aperture size (i.e. the hole in the camera that lets in light) you get a brighter image, but also an image that is blurrier. If you decrease the aperture size, you get a darker and sharper image.
This means that if you want to freeze movement (like the ducks swimming in the picture below), you have to increase the shutter speed. But that will also give you a darker image, so you might have to increase the aperture size to make the image brighter again – but then the image will get blurrier! Good photographers constantly balance these values in their head to get something as close to what they envision as possible.
Why haven't you heard of all these values? Well, modern cameras actually adjust them on the fly for you. A modern camera looks at what it sees and adjust these values as good as it can to reach what's called "middle grey", or more commonly in photography, "18% grey". 18% grey is when the image is somewhere in the middle between pitch black and bright white.
18% grey is good for a lot of pictures, but not perfect for all of them. If you take a picture of a snowy landscape in the middle of the day, for example, you probably want your picture to be a bright white. And, on the other side of the scale, if you shoot an abandoned industrial complex in the evening, you might want your image to be very dark. Whether or not 18% grey is good enough depends entirely on what kind of photograph you want to make.
So that's where exposure compensation comes in. It's a dial that allows you to tell your camera, "Look, I don't want 18% grey for this photo. I'd like something a bit brighter, please."
So when you take pictures in one of the camera's automatic modes, you take a picture, you look at it in the camera display to see if the 18% grey you got is what you want or if you want something else, then adjust the exposure compensation accordingly, and take the final picture with the correct brightness.
The problem with this is that you have to do that for every picture you want to take. First take a test shot, check the brightness of it, adjust the exposure compensation and then take the real shot. That gets tedious fast.
This might come as a surprise, but the solution is actually to put the camera in its "Manual" mode. In manual mode, there will be no automation – you will have to manually adjust all three settings I mentioned at the top of this post. Initially, the workflow might seem similar: you take a test shot, you look at it, you adjust one of the three settings to make it brighter or darker, and then you take your real shot.
After that is where the magic happens: In manual mode, your camera will remember the settings you just used to take a photo. So when you take your next photo, you can just take it and the camera will use the same settings you used for your previous photo. As long as the light levels in the location didn't change, all your following images will be of perfect brightness, without you having to do a thing.
That's why I prefer to shoot in manual mode. In one of the automatic modes, the camera will re-measure the brightness of the picture before every shot, so you'll have to fiddle with dials before every shot to get it just right. In manual mode, you just have to fiddle with dials when the light levels in the scene change.
With all of that said, I still use the automatic modes in situations where light levels change quickly. Especially if I know beforehand that 18% grey will be good enough for the photos, and even if it isn't, 18% grey is hell of a lot better than accidental pitch black or brilliant white.

industry_corpus2: Computing & Telecommunications


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It can sound a little like homer-ism when you automatically take the side of the player you cover, but when Storm All-Star Lauren Jackson talks about a discrepancy with officiating, it’s true. At least it was tonight against Houston.
Jackson earned her second tech of the season after getting wrapped up with Comets guard Hamchetou Maiga-Ba. Jackson did the typical jerk of the arm away from her opponent after the rebound bounced away from the players and they started to head down court. Standard move you see all the time. There weren’t even any theatrics, but a technical foul was called.
In the third quarter when Comets forward Latasha Byears did the same move to Janell Burse’s bum left shoulder, however, no call was made. And Byears has a history (just ask former Storm guard Michelle Marciniak about getting hit in the head with the basketball by Byears back in the day). Oh, and later in the game she gave the KeyArena crowd an undesirable finger wave.
To spin the words of Will Smith, officials just don’t understand.

industry_corpus2: Sports


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Was Andrew Jackson a Representative of the Common People?
Kids examine the perspectives of two different historians, by reading excerpts from the texts they have written. They read each of the two page documents then response to 11 critical-thinking questions.
Young historians will consider the causes that led to the collapse of communism and the Soviet Union as well as the impact Lech Walesa had on Poland. They compose three responses in short essay format.
Students demonstrate critical- and creative-thinking skills to develop test questions. They write clear test questions or statements using correct grammar, spelling, and sentence structure.
Read and work to understand the words of Benito Juarez. An excerpt from the primary source document La Reforma is the focus of this worksheet. Learners will read the excerpt, then answer three critical thinking questions.
Upper graders examine this political cartoon in order to better understand feelings toward the economic recovery. There are three discussion questions to accent the learning.
Analyzing political cartoons just got easier! This handout includes ten questions intended to aid learners as they embark on a cartoon analysis. They look at visuals, written text, action, and symbolism found in the cartoon.
Thinking of trying a fishbowl discussion? Follow the step-by-step instructions in this resource that not only details procedures but also suggests using Socratic, open-ended questions for discussion prompts.
Connect the Common Core ELA standards with history by employing a balanced literacy approach to reading.
Students practice critical thinking skills by defending their beliefs orally in a "hot seat". In addition, they communicate their feelings about an inssue in writing.
Pupils explore a framework of political and social values to evaluate the validity of any public policy debate, bill, or law. They participate in cooperative learning in terms of the group investigation model.
Analyze and read a dramatic role-play depicting the meeting of Bolivar and San Martin. There are 3 critical-thinking questions based on the dramatic reading. A fun way to practice interpreting informational text.
That Is Not My Opinion!

industry_corpus2: Subject Education


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My guest today is a former actress, clothing designer, and reluctant entrepreneur.
She began her career as a professional actress but decided to become an entrepreneur. With a $20,000 inheritance and strong perseverance, a business was born!
She is now the founder and CEO of TwirlyGirl, a clothing company with the sole purpose of empowering individuality and creativity in young girls. TwirlyGirl is made exclusively in Los Angeles with local fabrics.
This determination for quality and empowerment has propelled TwirlyGirl to become the million-dollar brand that it is today.

industry_corpus2: Others


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CMA provides art therapy trained facilitators to use the arts to repair bonds and communication among families navigating the child welfare system.
CMA provides teaching artists with a social justice practice to lead arts education programs to children living in transitional housing.
CMA partners with service organizations to provide culturally-informed art practitioners to support families experiencing hardship for social-emotional empowerment.
CMA partners with cultural organizations to provide monthly performances and art workshops to celebrate the cultural diversity of families in NYC.
Group Visits to CMA allow schools and camps to experience a personalized museum visit led by CMA Teaching Artists. Visits incorporate inquiry-based learning and give students the opportunity to both view and make art.
CMA’s school partnerships (Pre-K – 12th Grade), are led by professional teaching artists. The museum works hand-in-hand with schools to integrate the arts in classrooms, using project-based learning to creatively bridge disciplines.
CMA provides hands-on professional development workshops for administrators, educators, parents, and caregivers.
Free weekend art classes, tours and camp for children with an Autism Spectrum Disorder and those with Physical Disabilities and their families.
CMA’s Art for All initiative provides any child with a disability and their caregiver free admission to the museum during general public hours.


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A while back, I participated in an online discussion about the relative importance of high culture versus popular culture. In the discussion, there were some arguing that high art has a special place above mere "popular" art. I made the point that much of what we consider today to be "high art" was made by craftsmen working to please a patron for a payday, and that renders the distinction between the two less clear than it may seem.
As strange as it sounds, a production artist on a movie or in an advertising house works under virtually the same constraints as Michelangelo: he is paid to deliver a certain piece in a certain medium by a date specified by someone else. And once one understands that "high art" and "popular art" in western culture have almost always shared a commercial motivation, enforcing boundaries between the two categories become more difficult.
I paint at an art school that teaches traditional and Renaissance drawing and painting methods; Bistre & Verdaccio underpainting as well as direct painting. But the school also teaches manga, superhero comics, illustration, origami, and has even given classes on miniatures painting. The director of the school told me that a student once complained to him that someone was painting a cowboy in one of the Renaissance painting classes. "Why is he painting that in this class?" His reply: "he just likes cowboys."
Here is a person who has every reason to look down at pop art, a person who has spent his whole life immersed in classical Western tradition and has forgotten more about Renaissance painting than most anyone will ever know, waxing enthusiastic about cowboys and "mere" comic book artists. It changes one's perspective.
I am in favor of standards, just not standards that depend on the age of a piece or an arbitrarily determined list of classics. Sure, Michaelangelo is great: but not because he's old; it's because he spent a lifetime honing and mastering a craft, and his work shows that. So does the work of Bernie Wrightson.
Right now is truly a unique time to be alive -- the luxury of leisure time has allowed large numbers of people an opportunity to both consume and even produce art in incredible quantities -- far more than a single person could ever absorb in an entire lifetime. Let's celebrate the skill and passion, and not worry so much about creating a canon.
" The traveler is active; he goes strenuously in search of people, of adventure, of experience. The tourist is passive; he expects interesting things to happen to him. He goes 'sight-seeing.'"
have I mentioned that I really hate researching insurance providers and policies?
Since last fall, I've been playing the fifth edition of the venerable role-playing game, and it has rekindled my passion for all things D&D.
I haven't really acted as a Dungeon Master in more than ten years. So my group started with the introductory adventure that comes with the D&D 5e Basic Set. It turned out to be a modern classic! We just transitioned into Storm King's Thunder, and it looks to be another terrific adventure.
Being the game's referee can be a big time commitment all by itself, but I've added a whole new dimension to the DM's chore: after each session, I write the story of what happened. I've tried to write these like episodes of a show or chapters in novella, rather than merely mechanical summaries of the game. It's a time-consuming challenge, but I've been enjoying it immensely! A worthy respite from the horrible things that are happening in the world. Check it out if you have time to kill.
"I think there's blame on both sides. And I have no doubt about it, and you don't have any doubt about it either. ... But you also had people that were very fine people, on both sides."
I voted for you twice. I have been an ardent supporter, and I was proud of the way in which you worked to oppose President Trump's nominations, particularly Betsy DeVos and Jeff Sessions. I also lauded your efforts to push for thorough investigations of Russian election tampering, and to fight the Republican legislative agenda. I have called your office to thank you for all of these things.
So when Leeann Tweeden wrote her essay last week, as a constituent and genuine admirer, I wanted to give you the benefit of the doubt -- you have worked hard for Minnesota, and you have championed many of the issues that are personally important to me.
I cannot, however, ignore the second set of allegations against you that were published this morning in the StarTribune. For the good of Minnesota, I think it is time for you to make arrangements to end your career in the senate.
I did not weigh in publicly before now, because I was trying to be patient, and I was experiencing so many conflicting feelings. After your eloquent and personal apology to Leeann Tweeden and her acceptance of it, I breathed a sigh of relief and I was prepared to move on. From my remote vantage point, it seemed as though Tweeden was at least open to the idea that whatever happened between the two of you was a misunderstanding.
This second story recasts all of that. The incident occurred at the State Fair - the quintessentially Minnesotan family-oriented event. It was openly discussed by the accuser at the time, and it happened when you were our sitting senator. Even though what is alleged by the second woman is not as bad as what Tweeden said happened to her, it is still terrible, and perhaps worse in its own way: it happened in a context where your conduct should have been far beyond reproach.
I am not saying this out of fear of the narrative that will be spun in some circles -- people often tell tales regardless of truth. My concern is the actual harm that you did to these women. For that, you should step down. Minnesota needs a senator who better represents the values of the progressive movement.
This is not an easy letter to write, and it is not a knee-jerk reaction -- this is my considered opinion as a voter in Minnesota. I have spent a great deal of the last four days thinking and listening to people -- especially women -- and now that I have heard a second accuser step forward, I have come to a realization: you can no longer effectively serve us, your constituents. This story will follow you wherever you go, and it will render you irrelevant at best. I shudder to contemplate the worst-case scenario.
I would rather not take a chance on a special election. But these allegations are not going to go away.
Please do the right and honorable thing. Make us proud one more time.


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Projects regarding creation, conversion, preservation, restoration and protection of heritage and culture.
The A' Cultural Heritage and Culture Industry Design Award is a freestyle design competition open to both concept stage and realized cultural projects designed by professional and young designers, activists, design companies, government and NGO's and other entities worldwide.
The A' Design Award for Cultural Heritage and Culture Industry is not just an award, it is the indicator of quality and perfection in design, the award is recognized worldwide and takes the attention of design oriented companies, professionals and interest groups.
Winning the A' Award is a certificate of excellence for designers, an important milestone in your career. Having the A' Award attracts the eyes of design oriented companies worldwide, winners will be able to find better and higher profile jobs & sales leads, get a step ahead in their life.
The winners of the A' Cultural Heritage and Culture Industry Design Award are provided extensive and exclusive marketing and communication services to promote the success of winning the A' Award. Furthermore, the winning designs appear on the A' best designs book which is available worldwide, this book is furthermore distributed to the high-profile magazine editors, design oriented companies and relevant parties. The winning designs are also exhibited at our exhibition in Italy, and the best designs will be picked for the permanent exhibition. The winners appear on magazines, newspapers, webzines and many other publishing mediums. For concept stage projects, the A' Award is an early indicator of success.
The Jury is composed of both Academic and Professional participants worldwide, such as chief executive officers or head designers of companies and faculty heads or professors.
When submitting to the Cultural Heritage and Culture Industry Design Competition keep in mind that your submission will be evaluated on multiple dimensions, your cultural or heritage project design is judged together with its design and planned execution, however the most weight is given to the expected positive outcomes from the event. Applicants should send high-resolution images of the design, together with a presentation.
The best heritage designs are considered for their degree of innovation, human factors, ease of implementation and realization, depthness of development, and overall public value generation.
The Aim of the Cultural Heritage and Culture Industry Award is to attract the attention of culture oriented media, magazines, and industry leads to your business by means of creating publicity and dissemination and also to separate you from the rest of the actors in the public sector by honoring your institution with a prestigious award.
Award winners will be able to use a title that matches their nomination category: Such as "Cultural Heritage Site Design Award Winner".
Main Image* 3600 x 3600 pixels JPEG Conceptual photgraphy, logo or illustration of the cultural campaign or heritage project, positioned and centered on white canvas.
Optional Image #1 1800 x 1800 pixels JPEG Before - after image or photography if available, demonstrating the changes or results of the project. Further illustrations if concept.
Optional Image #2 1800 x 1800 pixels JPEG An image demonstrating the project being executed; a view during interaction with the designated society, environment or population.
Optional Image #3 1800 x 1800 pixels JPEG A graphic, illustration or photography that visualizes or demonstrates the possible returns from the project execution or added photos.
Optional Image #4 1800 x 1800 pixels JPEG Photo of the project team, equipment or base, where the project was planned, executed or concieved. Alternatively, further before-after image.
Video File Max. 10 MB. 45 Sec. AVI Conceptual Video, Footage from Campaign Execution, Short Feature or Documentary of the Project.


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Thanks for your attention with Fitflop Women's Walkstar III Silver Toning Flip Flop !
Actions out and about around clean nubuck the following season. That has a tender flexible backstrap to get excellence match, a breathable microfiber lining, along with the cush ergonomic MicroWobbleboard midsole, it truly is practical-meets-pretty care around sandal variety.


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Q: How has innovation affected the purchasing of transportation services over the years?
TIMMER: After 20 years in the transportation industry, it is interesting to witness the changes that have occurred in the mentality deployed for transportation sourcing. I can remember the days working for a mid-sized truckload carrier developing pricing for the sales team. Tariffs and discounts, rate sheets and napkins— it was a lot different then. It took months to participate and obtain results from the customer. In most cases, the way to get business was to ask for a few lanes to prove your capabilities, then hope to grow with more volume.

industry_corpus2: Transportation


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– Is grandma really gone, mama?
– Yes, honey, she’s really gone.
– Do you miss her?
– I miss her every day, especially on mornings like this one.
– No, sweetie, not really sad. Just a little lost is all. I feel a little like that leaf there on the river, floating along, not real sure where I’m headed. But I’m moving. I’m getting on with things.
– I guess I am, a little.
– I’d miss you if you were gone.
– That’s enough for me, hon. That’s enough.
Convincingly heartbreaking dialogue. Really well done (reaches for tissues).
As I said to Gary above, next week’s will be upbeat. That is my mission!
I love stories that are all dialogue! This was wonderful, thank you so much for sharing it with us.
Good use of dialogue, helped/shape define the story’s two characters. Here’s mine: http://furiousfictions.com.
A melancholy-yet-sweet story of innocence and loss, with a real sense of realism in there. Well done!
well done Erin! the heart wrenching dialogue told the whole story. it is simply true and honest.
Thanks, Jeannie. I wrote a poem for my mom that has a similar feel. The picture made me think of that, then this dialogue was in my head. Funny how it all flows sometimes.
Lovely, evoked memories and thoughts for me. Now to clear the tears so I can read the others. Well done!
This was a well written, conversation illustrating a mother trying to explain death to a young child. Very realistic…and poignant. Thank you for sharing.
Nicely done. The dialogue is perfect!
This dialogue is amazing. And the insight into a woman grieving her mother’s death is so beautiful and heart breaking. Really well done.
This is very sad, but also very good. Excellent work!
What a beautiful little story, like listening in on a very private and poignant conversation. I loved it.
I found the dialog very realistic and gentle, just like the river at dawn.
Thanks! I’m heading to yours now to read.
You write dialogue superbly and use that talent here to very touching effect. On a personal level, this felt very relatable, having experienced a similar loss to that portrayed in your story. You encapsulate so much in so few words. Well done.
Very nicely done Erin. I thought the discussion between mother and child sounded very realistic and it told a story without ever breaking into prose. Loved it.
Thanks – it comes from the heart. That makes it easy to write.


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Need some easy Halloween treats for your family this Halloween? It’s fun for the family to have Halloween treats while waiting for trick-or-treaters to come or just to have at home anytime around the holiday for your own family. Maybe you’re having your own special party with your little goblins and witches. If that’s the case, here are three cool Halloween treat ideas for family Halloween parties.
Can anyone make a list for Halloween treats without mentioning s’mores? S’mores are a classic in the fall. They are great around a campfire, perfect before or after an autumn hayride, and absolutely delicious as a Halloween treat that can be made right in the kitchen for the whole family. Halloween s’mores are easy. Just get a bunch of bars of chocolate, typically Hershey’s. Get a bag of marshmallows and a box of graham crackers, and that’s all you will need for this perfect fall recipe.
Stack a few squares of chocolate and one big marshmallow between two graham crackers. Make several of these. (It’s fun for the kids to help make these—and very easy.) Put all of the stacks on a microwave-safe plate and stick in microwave for 30 seconds. Check to see if the chocolate has melted some. If not, add 15 seconds at a time until the chocolate and marshmallows have melted together. Press this decadent concoction together and serve. The whole family—and any guests—will absolutely love the traditional s’more.
I can’t remember where I heard the term “mummy dog,” but this treat fits into one that I’ve been making at parties for years. I have called them “wienie surprises” instead, and everyone loves them at parties. I can see how the biscuit covering the mini-wienies resembles a mummy. You can purchase cheap biscuits to make these easy Halloween treats. Get a can of ten biscuits, roll out the dough, and place half a slice of American cheese or processed cheese. Place a miniature smoky dog on this, or even just cut up hot dogs. Roll them up, and stick them in the oven at 350 until the dough is done. Just follow the instructions on the biscuit package. These mummies are yummy with bloody ketchup and ghouly mustard.
You now have your family Halloween treats—one sweet and one salty—so how about something to wash it all down? Make a simple and tasty punch with some orange sherbet and a two liter bottle of ginger ale to fizz it all up. Add a bottle of Sprite or pineapple juice, according to your tastes. Just experiment. You won’t mess this up. It will be tasty and fizzy—and orange! Perfect for a family Halloween party!
Halloween treats aren’t just for trick-or-treaters. A few easy Halloween treats are perfect for a family Halloween party. There are Target coupons that can help save on cool Halloween decorations and supplies for a wonderful family Halloween party. Easy Halloween treats at a great price.


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For more than 50 years, Canterbury Christ Church University has been a big part of the Kent community, providing education which makes a real and positive difference to people's lives.
We're ranked in the top 50 of the best UK universities for student experience.
Our national and international partnerships help to make our work and our graduates relevant to the changing world around us.


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Nova Scotia landlords will have the power to ban smoking and growing marijuana in their rental units once pot becomes legal.
Under the new rules outlined by the province on Tuesday, landlords must provide four months’ notice of a ban to the tenant, before April 30, 2019. When the landlord provides notice, the tenant has one month to give the landlord three months’ notice to terminate the lease.
Nova Scotia’s Cannabis Control Act does not spell out how renters who grow and consume marijuana for medical purposes will be accommodated.
Kevin Russell, executive director of the Investment Property Owners Association of Nova Scotia, said the legislation provides much needed clarity for landlords ahead of Ottawa’s plan to legalize recreational marijuana later this year.
“If a landlord so decides to choose to ban or prohibit cannabis use and cultivation, it is backed up in law in an act,” he told CTV Atlantic on Wednesday.
He added that tenants who wish to steer clear of marijuana are better protected now that landlords are empowered to control smoking and growing on their properties.
“It sort of brings a guarantee to them that, if they ask the question, ‘Is this a cannabis-free building?’ The landlord can answer, ‘Yes,’” he said.
A recent poll by Corporate Research Associates, a Maritime-based market research firm, found 72 per cent of Atlantic Canadians support landlords having the right to alter current lease agreements to ban the smoking of marijuana.
Nova Scotia Community Services Minister Kelly Regan said the same rules currently governing tobacco use in the province’s public housing system will apply to marijuana after it becomes legal. There are currently 850 smoke-free public housing units in Nova Scotia and 6,500 where smoking is allowed.
The province’s Cannabis Control Act states that up to four marijuana plants can be grown per household, including Housing Nova Scotia units.
Should landlords be able to ban smoking and growing pot in rental units?

industry_corpus2: Real Estate & Construction


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This blog will be partially about my experiences and partially about the way I learned to live with all that has happened to me, especially during the early part of my life. I don’t intend to identify myself on this blog, but it probably isn’t hard to figure out who I am if you need to.
Brief background. I am a middle aged male that went through some pretty extreme events in my life which included physical, sexual and emotional abuse. When I tell my story it sounds like a nightmare but I lived it and came out the other side a better person. I have experienced depression, survived 2 suicide attempts, disassociative episodes and other mental health issues stemming from the abuse. I also currently deal with health issues, the most pressing being chronic pain and frequent kidney stones. If you have ever had a small stone yourself you have experienced what my daily life is like. I still manage to have a full life. Married, work, friends, and hobbies. I believe we can overcome almost anything with the right tool set. I hope to pass on some of my tools so others may benefit from my experiences and get a jumpstart on living.


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Fugitives Release new EP "Bigger than Luck" in Toronto!
The Fugitives are playing Toronto on Sunday!
Please help us celebrate the release of our new EP, "Bigger than Luck", from Light Organ Records, on Sunday, June 30th at the Tranzac. It's an early show (8pmstart with an 11pm curfew). Support from the amazing Kaia Kater.
We recorded our newest album in Toronto this January with producer John Critchley (Dan Mangan, Elliot BROOD). The day we were tracking gang vocals was the night of the biggest snowstorm in Toronto in the last ten years. We expected no one to show. But being the amazing supportive Torontonians that you were, we had dozens of people come out in force (in the middle of a SNOWSTORM) to sing on our album and help support us. This is just one of the reasons we dig Toronto so much, and can't wait to play for you.

industry_corpus2: Film & Entertainment


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"We recently stayed at this beautiful boutique hotel for our great friends 50th birthday. What an amazing place."
"From the moment we arrived at Hotel Saraceno we were made feel very welcome. "
"The friendly and warm welcome from Gabriella, Remo and his attentive staff was fabulous. "
"The hotel is very beautiful with its own herb and veggie boxes, stunning little outside areas to sit and relax. As for their pool area , it is just magnificent with its heated massaging salt water and lovely decking area to soak up the rays"
"Would definitely recommend this warm, friendly hotel in Milano Marittima to visit"
"We cannot thank the staff enough for making our stay so memorable and we will relish a return visit someday."
"Hotel Saraceno has it all! And then combined with a personal touch from each staff member."
"Excellent service!! We were greeted and spoken to in Italian, English and German! The outer terrace very cozy, nicely lit and with an open fire- we enjoyed some nice drinks surrounded by beautiful plants, funky pillows and nice decor, furniture!"
"Nothing is too much, each question or request is handled with love and care. If you don’t love this place....something is wrong with you."
"Great family friendly Hotel going the extra Mile!"
"Muir family travels a lot and the Hotel might not be the ultimate 5 star Hotel it is one of the Hotels you just feel at home. the Staff outstanding the Management delightful."
"Je reviens tous les ans. Personnel d une extrême gentillesse, un Cadre sublime et restaurant gastronomique italien...what else? Venez découvrir le Saraceno, seul en couple ou en famille à 2 pas du centre ville et de la plage."
"Delightful escape into light and fresh air."
"and until I arrived at Hotel Saraceno, I did not realise how much I missed light and air - which this delightful hotel has in abundance!"
"Fantastic Hotel! Gabriella and the staff have made everything to make our stay unforgettable! With attention to detail design, cozy, very clean, amazing food. Everything was just perfect! Excellent value for money! Highly recommend!"
"This is a moderate sized family-run hotel. We visited a little off-season, and it was quiet in midweek, busier on weekend. The room was very comfortable, the staff were very attentive, the breakfast was very good. The hotel is one short block from the beach in the 20th century resort of Milano Maritima, which was added onto the much older and atmospheric fishing port town of Cervia. A lovely hotel to stay at, run by very friendly people."
"Город Милано Маритима - идеальное место для проведения отпуска с семьей. Отель идеально подходит для проведения романтического выкенда. Просторные номера, бесплатный вай-фай и приветливый персонал, всегда готовый помочь путешественникам. Прекрасное соотношение-цена-качество."
"The welcome is warm and genuine, the staff are always attentive and the food is outstanding."
"Great architecture and decoration, superb rooms in a perfect location and walking distance to the beach, center and the better restaurants in Milano Marittimo! Very friendly and helpful staff, private parking and a great terrace."
"The gardens are just beautiful especially in the evening they are presented so well with the different lights and areas to sit with the bar just beside you."
"Food is authentic and generous and the site is great - really close to the beach, and also a short walk to Cervia, the local historic centre."
"The hotel is small enough for us to get a personal relation to almost everybody who worked there. Their smiles and positive attitude were always present."
"I think this is a great place to stay in Milano Marittima, and I would highly recommend it to anyone!"
"Fixed hours of breakfast? Sure, but if you missed them, you still get it in the best possible way, just unbelievable. Nothing is too much, each question or request is handled with love and care. If you don’t love this place....something is wrong with you."
"The hosts are friendly and speak English, but are also tolerant of those who speak Italian badly."
"We think the Saraceno hotel is a very good deal considering the value you get and the friendliness and hospitality is surpassed by none. .When we arrived we were greeted by Gabriella and Remo, like we were old friends."
"Tremendous combination of warm hospitality, delicious food & spotless rooms in a perfect location."
"Отель Saraceno - прекрасен. Индивидуальное, исключительное отношение менеджмента отеля к клиентам. Доброжелательность, готовность откликнуться на любую просьбу. Домашняя, уютная атмосфера."
"Ausgezeichneter und hochprofessioneller Service. Schönes Ambiente mit einem Auge für Details, alles mit Liebe gemacht."
"Perfekte Auszeit... Besser geht's nicht!"
"Food is authentic and generous and the site is great!"
"Wir haben uns sehr wohl gefühlt, Besonders die freundlichkeit und zuvorkommenheit des Hotelpersonals."
"The attention you get from all other staff is also exceptional. Remo and Gabriella (owners) take the time to talk to you. In short, a hotel with attention to guests, cleanliness of rooms, tasteful food, table setting with silverware. In a few words, at Saraceno they have Passion for their Profession."
"Alles toll- ruhiges, super modernes Zimmer mit tollem Bad."
"Beautiful place with character and very nice crew. Everything is recently renovated without loosing the quietly glamorous old-wordly feel. The warm pool and the sun beds in the back were delightful."
"The hotel is in a very good shape and looked extremely well maintained."
"The owners and all the staff are very welcoming, helpful and make the guests feel that their enjoyment is their no.1 priority!"
"Absolut empfehlenswert! Ausgezeichneter und hochprofessioneller Service!"
"We had a fabulous week and we will be back."
"Aber das beste war der persönliche Service... Angefangen vom netten Empfang, Gepäck, Empfehlungen für tolle Restaurants. Getränke beim Frühstück und, und, ...! Wir kommen sicher wieder!!! Und freuen uns jetzt schon drauf!!"
"The rooms are extremely comfortable, in a minimalist, beachy style, clean and airy."
"Quite, excellent place to stay!"
"The service in the rooms, the bar and the dinner room was over the top. Just pure excellence."
"This summer, we returned for the 5th time. The welcome is warm and genuine, the staff are always attentive and the food is outstanding. Food choices range from the thoughtfully healthy (goji berries, carrot juice) to the unashamedly indulgent (scrumptious cakes, frito misto and creamy pasta dishes). Everything is clean and gleaming. Towels are changed daily, en suites are cleaned twice daily. The staff seem happy and many of them have been at the hotel for several years."
"Schöne Zimmer, paradiesischer Garten, perfekter Service, nettes Personal, ausserordentlich aufmerksame, liebe Gastgeber. Es ist beim zweiten Mal schon ein bisschen wie Heimkommen. Wirklich sehr zu empfehlen"
"Ein Super Hotel mit Toplage zum Strand und ins Zentrum.Penible Sauberkeit in den Zimmern und Außenanlagen. Wir hatten ein geräumiges Zimmer mit großem Bad in absoluter Ruhe."
"Sehr nettes Personal, die Chefin sieht alles und kümmert sich um alles. Rings um das Hotel hat es verschiedene Sitzgruppen die zu verweilen einladen."
"All of the hotel staff were really welcoming, friendly and helpful. We immediately felt at home and enjoyed every moment of our stay there. Hotel owners, Gabriella and Remo, make every guest feel special and help you out with everything, always with a charming smile. I think this is a great place to stay in Milano Marittima, and I would highly recommend it to anyone!"
"The staff seem happy and many of them have been at the hotel for several years."
"Each year, there are further improvements and refinements: they now grow their own herbs, cherry tomatoes and chillies, for example!"
"Sehr ansprechendes sauberes Hotel mit freundlichem Personal von der Chefin bis zum Servicepersonal."
"Sehr freundliche und aufmerksame Mitarbeiter. Zimmer modern und zweckmässig eingerichtet. Zimmerreinigung überdurchschnittlich. Sehr gute Küche."
"Phantastisch!!!! Sehr, sehr freundliches und aufmerksames Personal und Gastgeber. Die Zimmer werden mindestens 2x täglich gesäubert. Das Essen ist der Wahnsinn...besonders das Tiramisu und die Crème brûlée. Der Pool hat verschiedene Massagefunktionen und am Nachmittag ist der Pool nur für Erwachsene reserviert. Wir kommen bestimmt nochmals hierher."
"The pool on the backside of the hotel gives you a nice relaxing spot from the crowded beach."
"Ausgezeichnetes freundliches Personal und stets die Anwesenheit der Betreiber, die sich um Perfektion und Erfüllung der Kundenwünsche bemühen."
"Tolles liebevolles Frühstück, sehr gemütliche Atmosphäre."
"Our room was tastefully decorated and twice a day the towels changed, we also got beach towels for a visit to the beach where they had reserved for us fixed beds and parasol."
"The food is excellent, their dishes are the best I've tasted anywhere."
"Very tidy clean and cozy hotel."
"Everything is clean and gleaming. Towels are changed daily, en suites are cleaned twice daily."
"Remo took us to the station as we departed and we really look forward to seeing him and Gabriella again in the future."
"I would definitely recommend the hotel Saraceno to everyone looking for a home from home feel in Italy. And the price was excellent."
"As you enter, you walk past a lovely garden which includes herbs and vegetables."
"Gabriella and her husband are just the nicest people I have ever met I cannot wait to go back and see them again."
"Super wonderful hotel, staff were exceptional felt like royalty."
"Im gesamten Hotel wird viel Wert auf eine gelungene Mischung aus modernem Design und Landhausstil Wert gelegt. Sehr freundliches und hilfsbereites Personal..Wünsche werden dem Gast von den Lippen abgelesen."
"Schöner Aufenthalt in einem durchweg sympathischen Hotel."
"We think the Saraceno hotel is a very good deal considering the value you get and the friendliness and hospitality is surpassed by none."
"Da stimmt einfach alles ....wir waren bereits zum 2ten Mal dort. Schöne Zimmer, paradiesischer Garten, perfekter Service, nettes Personal, ausserordentlich aufmerksame, liebe Gastgeber. Es ist beim zweiten Mal schon ein bisschen wie Heimkommen. Wirklich sehr zu empfehlen."
"This is truly the most welcome and at home I have ever felt while in another country."
"Sehr freundlicher Empfang durch die Besitzer und das engagierte und hilfsbereite Team."
"Lovely retreat close to the beach with very attentive hosts."
"Super! Sehr nettes Personal, die Chefin sieht alles und kümmert sich um alles."
"The warm pool and the sun beds in the back were delightful."
"Вкус хозяев, наиболее проявившийся в саду, трассах, организации довольно небольшой территории отеля. Дружелюбные, приветливые хозяева, как и весь персонал в-целом."
"The heated spa pool which was not supposed to be open for another week but they opened it for myself and my husband was just the greatest thing ever absolutely brilliant we both felt so relaxed after an hour in the spa pool."
"Everything is recently renovated without loosing the quietly glamorous old-wordly feel."
"Beautiful place with character and very nice crew."
"The staff who work for Gabriella and her husband at this hotel could not do enough for you."
"Alles toll- ruhiges, super modernes Zimmer mit tollem Bad. Sehr gutes liebevolles Frühstück auf super schöner Terrasse bis 13h! Netter Strand .. Zu Fuss unter 5 min. Aber das beste war der persönliche Service... Angefangen vom netten Empfang, Gepäck, Empfehlungen für tolle Restaurants Getränke beim Frühstück und, und, ...! Wir kommen sicher wieder!!! Und freuen uns jetzt schon drauf!"
"Отличный семейный отель, прекрасное, внимательное отношение, очень вкусная еда в ресторане, отличный бассейн с джакузи. Огромное спасибо Габриелле, Ремо и Руслане - все было прекрасно!"
"Habe ganz selten ein netteres Personal angetroffen. Das Hotel ist nur zu empfehlen."
"At the desk we were welcomed if we were guests for years."
"The attention you get from all other staff is also exceptional."
"L’ambiance , la décoration des différents espaces autour de l’hôtel , et par dessus tout l’accueil réservé aux clients , par Gabriella et son mari Remo , comme si vous étiez des amis de longue date."
"Fantastisch hotel, perfekte service, personeel en uitbaters uitermate vriendelijk en behulpzaam. Aanrader!"
"The hotel is one short block from the beach in the 20th century resort of Milano Maritima, which was added onto the much older and atmospheric fishing port town of Cervia."
"Tout dans cet hôtel vous fait sentir être dans une maison de vacances. Aucune hésitation réservez!"
"Every time we think of you and see the pictures we made then we get the warm feeling from when we were with you."
"Great architecture and decoration, superb rooms in a perfect location and walking distance to the beach, center and the better restaurants in Milano Marittima!"
"Chambres propres et modernes. Piscine extérieure petite. Déjeuner excellent. Belle adresse."
"Great hotel for the perfect holiday."
"Hotel with attention to guests!"
"First class service! Can't wait for our next visit to this great hotel."
"Ein Super Hotel mit Toplage zum Strand und ins Zentrum.Penible Sauberkeit in den Zimmern und Außenanlagen. Wir hatten ein geräumiges Zimmer mit großem Bad in absoluter Ruhe. Zum Strand sind es gerade mal max. 100 m. Das Essen ist sehr gut und einfallsreich mit einem Frühstücksbuffet welches keine Wünsche offen ließ.Die Inhaberin Frau Gabriella liest einen jeden Wunsch von den Augen ab. Habe ganz selten ein netteres Personal angetroffen. Das Hotel ist nur zu empfehlen."
"After saying goodbye, our car is ready with suitcases waiting in front of the hotel."
"This resort is popular with Italians, but becoming increasingly attractive to other nationalities too. Members of the hotel staff speak Russian, German and English and are always willing to help."
"Entre la mer et le centre de Milano Marittima. Hôtel où l on se sent chez comme à la maison. Accueil des plus agréable."
"Very friendly and helpful staff, private parking and a great terrace."
"Nous recommandons vivement cette adresse où la dolce vita est de rigueur."
"This provides great consistency and adds to that house feeling because when you arrive, you see the same smiling faces."
"Actually in a few words, at Saraceno they have Passion for their Profession."
"It's a beautiful and cosy hotel not far from the beach."
"The kitchen is the cleanest in the world and is maintained immaculately."
" Everyone in the hotel is focused on the customer."
"Food is varied and never heavy."
"Even though they are catering to you, there is a warmness that makes it feel much more like a house than a hotel."
"We immediately felt at home and enjoyed every moment of our stay there."
"Staying at this hotel is more like visiting relatives or friends and staying in a house."
"Персонал выше всяких похвал, очень вкусные блюда в ресторане, дружелюбная хозяйка отеля, удобное расположение."
"All of the hotel staff were really welcoming, friendly and helpful."
"They are very attentive to guests, their requests and any issues. Ive noticed that the employees are constantly scanning for guests that seem like they need something, be it another glass of wine, something to eat, help carrying something, whatever."
"The feeling and atmosphere with Gabi and Remo is very familiar."
"Amazing hotel with great family atmosphere."
"Besonders die freundlichkeit und zuvorkommenheit des Hotelpersonals."
"The room was very comfortable, the staff were very attentive, the breakfast was very good."
"If you seek a relaxing holiday with attractive surroundings and excellent food, I'm sure you will enjoy staying at the Saraceno."


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This Sunday at Ching-a-lings is totally going to be like this. Naiki San, myself and a random cat floating through Shinjuku in a flying saucer shooting lasers out of our eyes. As a little teaser, I thought I would post one of my favourite Naiki mixes from the show. This is a G-Funk vs P-Funk selection from back in 2008. Sorry about my over excited yelling on the mic.
More Mixes: DJ Naiki Mixes Galoreeeeeee!
This entry was posted in DJ Naiki, Events, Freeloads, Mixtapes and tagged ching-a-lings, DJ Naiki, fbi radio, g funk, hip hop, p funk, Stolen Records, west coast rap. Bookmark the permalink.


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Tramontano Art & Design is a firm with a passion for high quality, innovative graphic design and production.
As the saying goes, "one picture is worth a thousand words." Our mission is to ensure that our customers' graphics convey the right message and get noticed amid today's world of high speed communications.
TA&D works from concept to finished product. We are not a printer, but we work closely with professionals to guarantee high quality. Ours is a Mac environment that includes the latest graphic design programs and equipment.
TA&D also provides production services for original illustrations and fine art. We have a gallery of high quality nature photos and can provide customized photographic work, if required.


text: Arbor Place is conveniently located in a highly sought out area of Conroe! The community is serviced by the exemplary Conroe ISD school District. Just minutes from The Woodlands, Waterway, Market Street, Cynthia Woods Mitchell Pavilion, Woodlands Mall, area restaurants galore and tons of entertainment for the whole family! Not to mention easy access to all major freeways including the New Grand Parkway!


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Good Morning Hotels wants to offer an efficient stay with good quality for modern travellers. Stay in one of our hotels in Sweden, Denmark or Germany at very attractive rates. WiFi is always included – breakfast as well when booking via our website.
Many of the Good Morning Hotels can offer fine premises and facilities for meetings and events. For more details, please contact the hotel of your choice directly, or visit their web page.
When you wake up after a good nights sleep, the breakfast buffet is set up. During the course of the day, you can always get something to eat from our snack bars, or from the bar or restaurant at the hotels that have one.
During fall 2017 we launched our Good Food concept at all Good Morning Hotels. Please, find more info on the respective hotels’ landing page, to see if the concept has reached the hotel you plan to visit!
When you surf our web, you will notice that some of our hotels go by the name Good Morning, and some go by the name Good Morning+. The hotels are part of the same chain, but the Good Morning+ units have more facilities like meeting rooms, restaurants and bars.
The efficient alternative for the modern smart, traveler.
Good Morning Arlanda is only minutes away from Terminal 1 at Arlanda Airport. We offer free transfer between the hotel and the terminals, which makes this hotel the perfect stop for travellers.
15 minutes from Stockholm City, in the expanding tech hub of Kista, you will find Good Morning Kista. This hotel will give you value for money and is easily accessible both by public transport and by car.
Good Morning+ Hägersten is an affordable hotel in the southern part of Stockholm, just a short tube ride from the centre of the capital and only 6 kilometers from the Stockholm exhibition centre.
10 kilometers from from the center of Gothenburg, you will find this newly renovated hotel. It's only 20 kilometers from the airport and you get here easily from the E6.
Newly renovated Good Morning+ Malmö has 259 rooms and is conveniently located near the two big arenas and the exhibition centre.
Located in a quiet location in Erfurt, with great transport links to the city center, train station and airport. Discover sights such as the Mariendom, Severikirche, Krämerbrücke, St. Augustine's monastery, neo-Gothic town hall and Petersberg Citadel.
Located in the city centre of Gelsenkirchen with most major attractions, including the historic city centre, within a walking distance. Approx. 350 meters to the train station.
Just by the highway, and the shopping center Hallarna. Comfortable and affordable hotel with free parking and 30 shops under the same roof.
A short walk from the city centre with the connecting ferries to Denmark. Easily accessible in the southern part of Helsingborg.
Good Morning Jönköping is just outside the center of Jönköping, easily accessible from the big roads connecting in the area.
Good Morning Karlstad is situated in the heart of Karlstad, with shopping, nightlife and attractions just around the corner.
Hotel Good Morning+ Leipzig is young at heart, with a bold, colorful design. We are conveniently located near the Leipzig Trade Fair, Congress Center Leipzig, Leipzig/Halle Airport and many exciting avant-garde museums.
Modern rooms, a personal reception and service around the clock. Good Morning is just a couple of kilometers outside central Lund with its thousand years of history.
Good Morning+ Nyköping is a newly refurbished hotel, offering a smart location: close to Skavsta Airport, the center of Nyköping and several of the local sites.
Good Morning+ Sundsvall has found a new home in Sundsvall harbor. You won't get much closer to the water than this.
This hotel is affordable and accessible, just 1 km from the center of the city Örebro. It's also the next door neighbor of Gustavsvik, a well-known indoor water park.
Plan your next meeting with us! We create customized meeting packages just for you, and right now we offer a 20 % discount.


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On a scale from 0-10, how likely are you to recommend Steffen Christensen to a friend?
Dr. Christensen was always patient to answer any questions I had, described why he was prescribing/planning they cycle and gave me all the details of what to expect. He is very personable, interested in more than just getting another patients. I had him for my consult as well at during many appointments.... Since I have a high AMH he started with lower does of the meds to avoid creating too many follicles, as that wasn't working he would adjust the doses and when they were given.
Dr Christensen is very compassionate and caring. Listens to my concerns and answers all my questions. His goal is to get me a baby by the end of the year and is being aggresive with treatment. I like that! ... I have PCOS and most doctors I’ve seen is always scared because I have 30 antrial follicles on each ovary at baseline scan. But he isn’t scared to up my dosage just enough to eat a coupe more follicles to grow. We normally only get two good ones after 10 days of injections. He is hoping for 4 this cycle.
Dr. Steffen Christensen is very personable and makes you feel like he really cares about you. In 2012, I went through some treatments and they were unsuccessful. I know that he would adjust my treatments each month. It was very frustrating to continually have a negative test but Dr Christensen always keep it positive. We ended up pausing our treatments due to having insurance that didn't cover anything. One this that was very nice was that many time Dr C would give us free samples of some of the injectable medication.
Dr. Christensen never rushed the appointments, he always made sure all of my questions were answered and that I fully understood everything.
Dr. Christensen has a kind of quirky personality. He tends to give you all the information, and yet is still able to be lighthearted with you...He was willing to discuss treatment with me at length, and answer all questions. His office also responded quickly to email questions... The only thing he ever did that bothered me was an offhand remark about having two kids in one bedroom when we were first trying for our second baby. But other than that, he was a really great guy.
I was able to have very detailed conversation with Dr. Christensen. He took in to account my science/health knowledge, and gave me very informative responses to any concerns I had. He was very warm and welcoming at all appointments. We would chat about various events occurring in my life which made me feel more comfortable talking to him as a provider... My IVF protocol involved the usage of 75 units Menopur and 225 units Bravelle. A few days prior to egg retrieval I also administered Ganirelex.
He [Dr. Steffen Christensen] is an amazing doctor! My experience as a patient there have yet to get my desired results but we are not done yet! Look forward to working with them again in the near future! He was always very informative and understanding of feelings. I always enjoyed seeing him, great personality and humor to go with it! Very smart and always made myself and my husband feel good about what we are doing!
He [Dr. Steffen Christensen] is Friendly and knowledgeable and am very happy that I got twins on my first try. Just saw him in person once and over video conference twice. It was great since we live 4 hours away so it was great to do the video conference.... On day 2 I had an ultrasound then on day 3 of my period I started a drug called letrozole for 5 days. Then I had an ultrasound 2 weeks later then I took a shot of ovidrel and then I had an IUI and 2 weeks later I was pregnant from a home test then got it confirmed at a local clinic.
[Dr. Steffen Christensen is] Kind, compassionate. He didn't care that you may be a little above your bmi. He spends time with you. Fully explains processes. Makes you feel hope again which is extremely important during this difficult time in your life. He travels 3 hours to my town and doesn't make you feel like a burden.... Caring, compassionate. Exceptional people.
Dr. Christensen was very friendly and honest. I had a very good experience with him(even though we did not end up pregnant)the only reason we had to stop our fertility treatments were due to the financial burden was all covered by us since insurance did not cover our care...The clinic [Sanford] is very clean and warm. I felt like they also tried to keep the environment "trigger free" as possible for ex. There was a sign saying not to bring children into the clinic which obviously is really nice for people who can't have any children.


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My last run had 59 tests... but 5 of these took over 2-3 hours,,, again, should only take 10 to 15 mins.
I have been unable to determine why yet... it is random tests and times so its not the same tests, and time of day... its random.
In QAComplete the log displays nothing for those tests when it happens... all tests before and after, fine and dandy log shows info.... but for the ones that appear to go into the twilight zone... log contains no data.
I look for the test log for these tests in TEST COMPLETE and there is nothing there... those tests dont show.... when that happens to them.
I have a support ticket for something similar.
When you click in QAComplete on the test without a log, is the actual result: "TestComplete (TestExecute) was terminated for an unknown reason."?
I could find the logs on my test client, QAC just didn't get them from there. Same at yours?
Hi Tom, no, in my case... in QA Complete, when I click on a test result for one of the tests that show as it ran over two hours... it simply states. Failed and no records found.
our problem startet right after a windows 10 update on our test clients.
Hmmm, I'll have to check into that.... its just really strange... like last nights run, again, a random test... shows it "ran" for almost" 3 hours.... but, in QAComplete, no results... so I can't see what may have happened.... and in TestComplete... under results, that test is not even listed???
But, next run, changing nothing... runs fine and dandy.
So, still not sure what is happening.
but, no info in the log, I have no way to see what is happening. The test before and the one after, all show fine.
Then, in TestComplete itself, the logs.... do NOT even show those Long running tests (thave have no log at all in QAComplete).
Test3 - Started and Completed (09:22 / 13:01) - Over 3hours!!!!
QAComplete displays result for all the above... but says no records for that 3+ hour run!
In TestComplete I hav logs for all tests, except the ones that run for a ridiculous length of time.... its like they didnt even exist.
We have an Onstop Event which is just the logoff from our application. The Test ran and we could see the click on the logoff button. Our application went into “no response”. This is where the test are for. Our DEV people are searching for an error in our application. Anyway after several minutes our application window disappears but we could still see the Testexecute widget for about 5 minutes. When the Testexecute widget disappears too as well as Testcomplete. We restarted Testcomplete and where was no log of the Test. Where even were no Windows logs of the crash of our application or Testcomplete/Testexecute. So Testcomplete/Testexecute could as well have crashed first and took our application with it.
Additionally I’ve found false positive tests in QAComplete. The result is shown as passed but if we look into the results, the log stops in the middle of the test and the other test steps are just missing without any error.
So I think Testexecute crashes and QAC don’t get it.
Did you open a support Ticket? It might help Smartbear.
I created a collection of the exact same tests... in the exact same order.... and ran using ONLY TestComplete this time and NOT QAComplete.... the entire suite/collection, ran, in approx 3.5 hours!!!! Perfect!!!!
Not one test did NOT run, and not one test took anything near over 10-15 minutes... so, they ran as they should.
So, what I know so far, when running using QAComplete... I have issues and that same suite of tests will take easily over 12 to 14 hours (!!!) ... whan running only using TestComplete, as ran as it should.
I will run that same suite again, this evening, using only TestComplete again and see if it still runs as expected... under 4 hours, no tests missing.


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Existing-home sales last month were up almost 8 percent from July and home prices were up 9.5 percent from a year ago, to $187,400.
Home prices are up partly because the mix of housing is shifting toward more normal sales, with distressed sales comprising a smaller share of the market. But prices are also up because of appreciation, which NAR data as well as other price indexes show. Case-Shiller and the Federal Housing Finance Agency both show prices up based on repeat sales, which track price changes without regard to changes in the sales mix.
The positive sales and price trends come despite lenders’ continued tight underwriting practices. Yun said these overly tight policies could pose problems five years down the road, since mainly households with strong incomes and good credit profiles are getting loans today. That means a few years down the road, as homes appreciate, households with less income and less strong credit profiles won’t have been able to take advantage of today’s low home prices and historically low interest rates. That would leave many responsible households that could be successful owners today unable to get on the home ownership ladder.
Forthcoming rules, such as the qualified mortgage (QM) rule, which the Consumer Financial Protection Bureau (CFPB) is writing to meet requirements in Wall Street reform legislation enacted two years ago, could exacerbate the problem, Yun said. NAR wants the rule to be flexible enough so lenders can make safe and affordable loans to responsible buyers, but there’s a concern that the rule could be too restrictive and only those with the best credit profile would be able to get affordable financing.
The video above is from Yun’s press conference today, September 19, in which he report’s August 2012 home sales numbers.
As the Broker of Record for Milestone Silver Realty Ltd. ; I am always interested in what other Real Estate practitioners have to say. Just thought I’d let you know that I came across your blog and really appreciated the content and time that you have put into it. Your use of video was first rate. As we all can appreciate: Real Estate is “High Paying Hard Work and Low Paying Easy Work” Thanks for posting. Keep up the fine work.
With less inventory on market, prices will go up – simple supply & demand. I hear some areas are getting multiple offers closer to, or even above, asking price…that’s good!
But is this a “trend” that foretells more good news to come? I do not think so. All we are seeing right now is pent up demand with artificially restricted inventory.
There remain many systemic issues in the housing market. Clearly, on the sell-side, shadow inventory still needs to be flushed. On the buy-side, historic low interest rates have not helped – there is too much un/under employment, too much job uncertainty, and too much political uncertainty with important tax implications not yet made clear.
I expect to see continued ups & downs in # homes on market, # sales closed, and price fluctuations that reflect the balance of local supply vs. demand. We are still years away from anything resembling normalcy in the housing market.


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PATRIOTS AND PAULIES (Politics & NEWS) – In essence, political candidates “are” the donations they keep. The top contributors to Mitt Romney’s campaign? Goldman Sachs, Credit Suisse Group and Morgan Stanley.
KRISTI KIRK (PATRIOTS AND PAULIES POLITICS & NEWS) – Okay class, this is an easy one. There’s no doubt that the wishes of political campaign contributors ultimately influence public policy. In essence, political candidates “are” the donations they keep. With that in mind, which GOP presidential hopeful would you rather elect to office?

industry_corpus2: Finance & Economics


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Suite Andina - Aconquija - Agustín Barrios Mangoré - free sheet music and tabs for nylon guitar. Learn this song on Jellynote with our interactive sheet music and tabs. Play along with youtube video covers.... The Guitar Works of Agustín Barrios Mangoré. Vol III.
Print and download in PDF or MIDI Julia Florida Barcarola. Source: Wikipédia: Son nom de naissance est Agustín Pio Barrios. À partir de 1932, il se fait appeler «Nitsuga Mangoré», du nom d'un leader guarani de la résistance à la colonisation espagnole au Paraguay, puis «Agustín Barrios Mangoré». Il lui arrivait de s'habiller en... Aire De Zamba From Suite Andina. Traduction: Guitar Works de Agustin Barrios Mangore, vol. III. Partition de guitare acoustique. Une aumône pour l'amour de Dieu.
Composed by Agustin Barrios Mangore, edited by Richard D. Stover. Instrumental solo book for guitar. With standard guitar notation, fingerings, introductory text, biography, black and white photos and illustrations. 63 pages. Publ…... Guitar Works Of AgustAn Barrios MangorA(c), Volume 3 sheet music - solo guitar sheet music by Agustin Barrios Mangore: Alfred Music. Shop the World's Largest Sheet Music Selection today at Sheet Music Plus.
Watch the video for Villancico De Navidad from Agustín Barrios Mangoré's Guitar Music, Volume 1: Suite Andina / Un sueño en la floresta for free, and see the artwork, lyrics and similar artists.
Suite Andina-Aire De Zamba by Agustin Barrios Mangore: Listen to songs by Agustin Barrios Mangore on Myspace, a place where people come to connect, discover, and share.


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Ashay Ghai lives in Milngavie and was raised in Bearsden, where he attended his local primary and secondary school. He has served as a councillor for Bearsden since 2009, when he was elected to East Dunbartonshire Council in a by election – gaining the seat off the Conservatives and defeating a future SNP MSP in the process.
He successfully defended his place at the 2012 local government elections. Ashay has been leader of the Liberal Democrat Group on East Dunbartonshire Council since 2010.
Ashay is the current Deputy Leader of East Dunbartonshire Council and chairs the Council’s Neighbourhood Services Committee.
He serves as the authority’s political lead on a number of issues, including housing and recycling.
Ashay passionately believes that government must invest in more social and affordable housing to increase people’s housing choices in the West of Scotland.
He has previously stood as the Liberal Democrat candidate for Clydebank & Milngavie at the 2007 Scottish Parliament election and Paisley & Renfrewshire South at the 2010 UK general election.
Prior to become a fulltime councillor Ashay Ghai had a successful career as a charity worker for voluntary sector organisations.
He previously acted as the first secretary of the Scottish Parliament Cross Party Group on Racial Equality (as the only non-MSP office bearer) and has a strong background on equality issues. He is a graduate of Edinburgh University where he studies politics and social policy.
Will you vote for Ashay Ghai?

industry_corpus2: Politics & Administration


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1- The return of national team star Frederich Cepeda to the Sancti Spiritus roster, punctuated by a pair of Cepeda homers in the Gallos’ opening two contests.
2- Four consecutive home-turf losses for the Cuban League’s popular defending champions, the island-wide fan-favorite Industriales Blue Lions.
3- Unveiling of newly imported Vietnamese-made scoreboards (featuring a purported savings on electicity consumption and eye-catching artwork) in five Cuban Stadiums: Lationamericano (Havana-Industriales), Jose Huelga (Sancti Spiritus), Nguyen Von Troi (Guantanamo), Guillermon Moncada (Santiago de Cuba), and Agusto Cesar Sandino (Villa Clara).
4- A rare triple play turned by the Guantanamo infield in a contest with Ciegto de Avila.
And perhaps best of all for Stateside, European and Asian fans, we have inaugurated an entirely new and revamped website design at www.BaseballdeCuba.com, featuring many improvements and added features. Once again our site boasts its popular up-to-date stats, photos, box scores, game reports, news items and opinion columns. And we again will be carrying a full slate of live (and tape delayed) games from both Cuban radio and Cuban television feeds. It’s winter here in the USA, which means once again baseball at its very best, so tune in and follow all the action of what promises to be a truly historic season.


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You are entitled to view, amend, or delete the personal information that we hold. Email your request to our data protection officer julia@tutor-your-child.com and we will work with you to remove any of your personal data we may have.


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‘Preacher’ returns high on insanity but low on energy.
I have a long, storied history with Preacher. A year ago, I wrote FSR’s weekly reviews of Season 2. I’ve read all the graphic novels. I’ve seen every episode multiple times. I’m a little bit of an expert. And my relationship with the show is a bit strange.
This is because I love some parts of it. Last summer it was my comfort viewing. I’d put on an episode, especially from Season 1, and all my cares would melt away. I wheedled and nagged my friends and family, trying to convince anyone to watch it.
But this wheedling came with a caveat: the pacing is a little odd.
And that’s something I’ve had a hard time getting past, even with this show that I love. The characters have a tendency to get bogged down, not seeming to know where to go. Despite being based on a series of books that are largely road trip based, the action tends to take place in a fixed location: in Season 1, Annville, in Season 2, a crappy apartment in New Orleans. The dragging, sometimes aimless movement has always been the show’s weakest link.
And I’m sorry to say, not a whole lot has changed with Season 3.
There are so many things to like about Preacher. The show has a weird, semi-magical lore, and it’s always fun to see just how much is accepted as true. Vampires exist, but they’re rare. Angels are rarer, and while Heaven and Hell are probably real, organized religion gets a lot of the same skepticism it does in our universe. Souls and voodoo are very real, as we’ve seen in the second season, and we will see much more this time around.
It’s an exciting world to visit, where the bounds of reality stretch and reshape to contain each new weirdness, and none of the characters bat an eye. And it’s very willing to get weird. Some main characters include Jesus’ inbred descendant, God in a latex dog suit, and Adolf Hitler himself, and I know that a few more horrific additions are on the way. The show is fully embracing its depravity, even launching a promotional campaign imploring viewers not to watch if they’re easily offended, confused, disturbed, etc.
And that’s all well and good. I love to be offended and confused and disturbed. There’s only one problem with the new season: it’s a little bit boring. Or at least the first three episodes that have been released to critics are.
That perennial difficulty with moving the action forward has come back, and it’s all the more heartbreaking because last year’s finale seemed to be moving away from it.
I loved the Season 2 finale, in no small part because so many things finally happened. Cassidy finally killed Denis. Tulip finally confronted Featherstone. Jesse and Cassidy finally fought. Tulip died, for crying out loud. And the gang finally got out of that New Orleans apartment. Walls were broken down, and lines were crossed. We got punched in the gut, and we were finally on the move again. It felt good.
But this new season is just staying put in a different place. We’ve left New Orleans for Angelville, the menacing old estate where Jesse grew up. And there are new characters to meet, and new curiosities to see. The pervading mood is dark and sinister and undeniably cool. But the action seems to have no direction. It ambles. People step into the spotlight, and they step out. Threats are made to leave, threats are made to stay. But no one important ever goes anywhere.
And that’s what I miss about the first season. Because no one ever went anywhere then either, but no one was supposed to. There was a fixed cast of characters in a small town, and they were trying to go about their lives there. That was the setting, and it was a fine one. It may not really have existed in the source material, but it made sense for the direction the show was going. Then in the second season, the action seemed to start, and our heroes started to move…. Until they got stuck in New Orleans. Now the same thing is happening all over again, about 50 miles down the road.
There’s nothing wrong with staying in the same spot. But if the characters are constantly itching to leave, frequently straight up saying that they want to leave, as these characters are, problems arise. The action becomes frustrated, and so does the audience.
Is this a detractor? Yes. Is it insurmountable? No, I don’t think it is. I’m certainly having fun watching Preacher. Some aspects of it I really like. Joe Gilgun’s Cassidy, in particular, is wonderfully compelling. I’ll watch him do anything.
But I wish it could get a handle on its pacing. Preacher has so much potential and so many good qualities. If it could stick to a consistent and enjoyable plot progression, it’d be unstoppable.
“Angelville,” the first episode of Season 3, airs Sunday, June 24th at 10/9c on AMC.


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Method Technologies now offers a broad range of cybersecurity solutions, including California HIPAA Compliance, through our partnership with an expert certified compliance and cybersecurity firm.
Method Technologies is an IT firm providing incomparable, comprehensive cybersecurity solutions in addition to IT, colocation, telecommunications, California HIPAA Compliance, website design, technology relocation, backups, and wireless solutions. Let Method Technologies be your expert cybersecurity solutions company.
Yes! I am interested in California HIPAA Compliance.


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Intelligent technology is helping the DWP catch the worst offenders of benefit fraud. Artificial intelligence (AI) will clamp down on cheats who claim bogus benefit payments.
HANDWRITING ANALYSIS: Cheats and fraudsters manipulate the UK benefit system each year.
The Department for Work and Pensions (DWP) have a new approach to tackle benefit fraud. They have started using state-of-the-art algorithms.
The DWP says modern artificial intelligence can now detect identity cloning techniques. Organised criminal gangs use cloning techniques to commit mass-scale benefit fraud.
So, how does the new AI system detect gangs of benefit fraudsters?
First of all, it will alert investigators if fraudsters use the same phone number. The same alerts also apply if gangs use a similar handwriting style. This happens most when cheats fill out multiple and different falsified claims.
These connections get buried inside billions of government files. But, the DWP have invested in new information technology to target this problem.
They hope the new intelligent computer software will increase benefit fraud prosecutions. The focus is to catch the large groups of gangs who cheat the system.
Using artificial intelligence to detect mass benefit fraud is a new approach for the DWP. Their investigators have relied on other means to target individual criminals. Action would usually start following any concerns raised by Jobcentre Plus staff.
The Department for Work and Pensions say trials of the new intelligent technology have been successful. The use of AI will also extend to other departments of the welfare system.
In recent years, around 5,000 people are getting prosecuted for benefit fraud each year. The DWP are recovering over a £1bn in overpaid benefits 'annually'.
The Secretary of State for Work and Pensions commented on the progress made. He said: "The government is 'fully' committed to tackling benefit fraud. In particular, they will target organised crime gangs. These swindlers divert money away from the people who need it the most."
Fraud investigators work hard to bring all fraudulent criminals to justice. This new approach is one of the latest innovative ways to tackle the issue. Using this cutting-edge technology will help to protect the money paid by UK taxpayers.
The UK Chancellor had already announced the funding for artificial intelligence. He put aside £75m for the project back in November 2017.
Some the investment is to help support start-up firms. They want to raise the number of new PhD students in the field. The aim is to get 200 a year. Extra funding may also go towards an advisory body. The plan is to lift existing barriers to AI development in the United Kingdom.
Airport Confiscation Costs Millions: Passengers lose millions of personal items at UK airports.
Benefits Difficulties for Older People: Does having to claim benefits online risk excluding the elderly?
MoD Relaxes Haircut Rules: MoD softens their approach to body hair for 'IT specialists'.
PIP Waiting Times 2017: People want to know how long after PIP assessment do you get a decision?
Virgin Trains Seat Upgrade App: An auction of empty First Class train seats on some routes.
Whistleblowing in the Workplace: New rules make it easier to 'blow the whistle' at work.
Workplace and Benefits Articles: Key headlines about workplace regulations and rules on benefits.

industry_corpus2: Artificial Intelligence


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Our client, a medical device company in Galway are currently looking to recruit a Senior IT Business Systems Analyst for their site.
This role will have responsibility to drive the activities and deliverables associated with strategy, analysis, design and configuration phases of various strategic projects. In this role you analyse MAKE systems' business requirements, operational processes, and data relationships/configurations to sustain operations, align processes across business units/geographies, and develop solutions to complex problems. This position requires a strong coordination of efforts across our internal business units and geographies through working closely with IT peers, IT leadership, and business leadership personnel.
Responsible for and takes ownership of support issues. Follows through to closure.
Seeks to understand current business structure and processes, recommends possible changes, develops detailed plans for recommendation and supports and implements the changes.
Solves moderately complex problems and demonstrates a basic knowledge of the business function in assigned area and/or technical discipline.
Build relationships with internal business process owners and external vendors.
Motivate others in a team-oriented collaborative environment.
Effective skills to communicate issues, strategies and requirements to business & IT partners and customers.
General understanding of data integration/ETL tools such as Microsoft BizTalk, Informatics Cloud, and web Methods Integration Platform.

industry_corpus2: Biopharmaceuticals