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If you had said last season that Richarlison could be emerging as the next Brazilian star then this would have raised some eyebrows following his fairly lacklustre season at Watford.
Coming with a big reputation was a big ask considering he is just 21 years of age and moving in to a demanding league such as the Premier league from the Brazilian Serie A. So how have Everton and Richarlison faired in the opening fixtures?
Richarlison is held in the highest regard by his manager Marco Silva and was brought straight over following his appointment at Everton. The fee paid was around £40 million which led to many calling the modern day transfer fees as ridiculous. This is most likely true but this could in the end turn out to be good business from the toffees.
Everton have made a positive start to the season and four games in remain as one of five sides in the league to remain unbeaten but punters supporting them via the SBK app. Expectations will be high of success this season and European football qualification must be a high priority. But how has Richarlison faired in the opening fixtures?
The fact he has had a call up for the Brazil senior side speaks for itself and he has already made 10 appearances for the under 20 side scoring three goals. Richarlison has now also had backing from Brazilian legend Rivaldo which goes to show his performances and reputation are gathering attention from people around the world. He made a brief 20-minute appearance against the USA for his senior debut but struggled to make much of an impact in the encounter but there has certainly been plenty of positives to take from his performances in the upcoming fixtures this season prior to the international break.
Wolves v Everton – 11/08/2018
The season kicked off with an exciting encounter against Wolves that ended 2-2. Richarlison put in a man of the match performance scoring both goals for Everton. This included a clinical finish from just outside the area to put Everton ahead in what looked the winner at the time. This performance gave a firm indicator of the impact the Brazilian is set to play against a very strong Wolves side. He showed he can not only handle the expectation over him but can perform on the big stage.
Everton v Southampton – 18/08/2018
The second game of the season was a home fixture against the solid outfit of Southampton. The Brazilian again got himself on the scoresheet as he added to Theo Walcott's opening goal. This was Everton's first victory of the season under Marco Silva and one that showed his style of play already becoming trademark in the side. This performance again showed just how big an impact the Brazilian could be set to be in the coming season with another man of the match award.
Bournemouth v Everton – 25/08/2018
This would be a game to forget for Evertonians as the Blues all but threw away the three points. Everton had looked dominant through the first half before Richarlison got involved in an altercation in what looked a head butt resulting in him being sent off after just 41 minutes. This was the first key negative the player has shown since his move to Everton. They would however go 2-0 up after 66 minutes following another goal from Walcott before conceding two late goals with Bournemouth's Adam Smith also seeing red after 61 minutes.
Everton v Huddersfield – 01/09/2018
Everton's most recent fixture was yet another frustrating draw against a well drilled unit in Huddersfield. This did however extend the unbeaten run that we are now on. Everton in spells looked a threat but Richarlison was a big miss as we lacked creativity going forward and failed to make enough chances. The big negative of the game was Walcott heading off injured due to a rib injury but is likely to be fit for the upcoming fixture against West Ham.
NSNO Staff
Latest posts by NSNO Staff (see all)
- Calvert-Lewin disappointed not to win Merseyside derby - October 17, 2020
- Everton vs Liverpool: Preview & Predictions - October 16, 2020
- Ancelotti is Manager of the Month - October 9, 2020
- Everton team up with….Everton - October 9, 2020


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We want money
"The truth will set you free." On Friday, November 1, 2019, Stephen A. Kolodny, Lawyer, could not have been clearer. The Honorable Mark A. Juhas, presiding, asks, "What are you looking for today from me today?" Heidi L. Madzar, Lawyer was very sterile addressing the court "Award of fees." Sounds friendly. (DIVORCE is not friendly and is never nice. Please read this transcript, and you tell us if this is friendly.)
Page 2, Line 5, "we want money"…… like an ugly disfigured baby speaking its first words, Kolodny lets it rip! "We Want Money." Now how many litigants can relate to that response, DIVORCE is the Treasure Trove of Law, seldom do you find a DIVORCE lawyer who is not rolling in the cash. Even the terrible ones get bank! Even the ones who can't really practice law but are great self-promoters get bank. ( Flips ) And the defense of all this is so many litigants don't care what it costs and enjoy all this bullshit, if for nothing more than for revenge, ' getting their pound of flesh.' And don't you ever think that Judge Juhas is not a 'fast study,' he responds, "Yeah, you just want fees, how much do you want." Ouch, asking a "fat cat" lawyer "how much do you want?" (little like asking a prostitute if he or she swallows or spits) Many "DIVORCE" litigants, not all, are left generally in the gutter of eternal debt and facing bankruptcy and in some cases, homelessness. But was it fun? The initial request is mentioned to be at least $300,000.00 as an "interim" request. Just as the digestion of how outrageous a request that dollar amount is, like the annual pumping of the septic tank the request goes to $415,000.00. What is that stink? Could it be greed? As long as you are on the receiving end.
Judge Juhas finds much of what is going on in front of him as outrageous as to the time and money that is being spent to get to 'this point.' The strategy to some degree by DIVORCE lawyers is to run a billing frenzy, write letters, drag a hearing into the lunch hour and then come back, and of course the ultimate kick in the tits ( for our female victims ) or the kick in the nuts ( for our male victims ) are those ex parte's! "Let them eat cake!" Let me let you into this great deal! You go to court at 8:00 A.M., and the clock is running, you are here with your lawyer for an "ex parte," guess what, most of the time "ex parte's" don't get heard till all other court business is handled. Let me make this even more clear, all those "pro pers" many who don't speak English or won't are going to sit and insult the courts as well as many sitting in the cheap seats, intelligent time burners they are. And your lawyer is sitting patiently checking his or her iPhone and enjoying the morning, and the "human slot machine" (you), will be expected to pay for all of this wasted time.
Procedures and knowledge of the law in the world of DIVORCE is almost like an annuity that will just pay and pay. (Thanks to the litigants most of the time) Thus you get the ridiculous fees as are described in Reza Jarrahy v Geena Davis case No: 18STFL05701, fun, right? All legitimate and legal, and we are not saying anything illegal is going on here, but some professions have a license to steal, not literally, of course, but when those bills come in, you really do feel as if you have been robbed and rectally assaulted. The best part is Geena Davis's legal team. Nathalie E.A. Paluch and her partner are of the opinion that this court has no jurisdiction. No Jurisdiction? Well, we have Reza Jarrahy telling everyone that he "wasn't married" (page 61 lines 21 & 22) and Geena Davis is being looked at like a Pork Chop with a big side of Biscuits and Gravy entree for Kolodny's firm. All of this happened in New York, and it is reported that there was No Officiant. There are issues concerning Iranian traditions, Muslim traditions, and a great big party that some thought was a wedding, and others thought it was a cultural buffet to be enjoyed for by all who attended. Iranian and Muslim traditions have no place in the American court system and who cares what was or wasn't performed. There was no certificate of marriage.
Judge Juhas makes an interesting comment, "Dr. Jarrahy's father is a proper officiant. That's the question, the only question" "If he is not, we are done." Kolodny was great today with some great comebacks. "Sorry?" Oh, someone will be sorry if this is the case, all those fees, and guess what? Someone is going to be going home with an empty sack. Note: Several years ago, Calvin Coolidge Worthington (12.11.12) represented Cal (92), and Mark Kaplan represented Anna "The Singer from Iceland" (41). It was a slaughter for lawyers, Kolodny kicked ass and sent Mark on his way with 'nothing.' Mark got no money. And this was in front of Judge Juhas! Could this be a big fat goose egg for Kolodny Law Group? Is this the old what goes around comes around??? Judge Juhas has made it very clear that 'all of this has been heard over and over again.' However, here is a small hurdle that must be jumped or pushed over. The only thing Stephen Kolodny likes better than breakfast, dinner, and supper is the sound of his own voice. This could be the reason Judge Juhas seems to have heard this case at least 3 – 4 times, as it just keeps getting repeated in the attempt to achieve the "we want money" part of this case. The other day (11-19), Judge Juhas did give The Kolodny group a tiny little portion of what was being asked for, "interim" payment, less than $50,000.00. Who says Judge Juhas has no sense of funny, that dollar amount was very funny.
This trial started on November 21, 2019, and both sides are busy throwing it all against the wall, hoping and praying that something sticks. Hopes and prayers are also on the judge, hoping he sticks to his guns and does the right thing and tosses the whole thing into the toilet and flushes it. After all, this is nothing but a great big stinking turd, and it belongs in the sewers of Los Angeles with all the other miserable stinking marriages. Certainly, there were some shenanigans in getting to this point. Nathalie E.A. Paluch, Esq and her partner have made clear, there was no marriage, Reza told everyone and anyone that would listen that he was 'single,' even filed his Federal Income taxes as such, " Single," his words are now returning to bite Reza in the ass. A major problem for Kolodny in the form of not getting his payday.
Enter the 2000-pound elephant into the room: this is DIVORCE court, truth and fairness much of the time is irrelevant. Thus the 'crevasse' that exists, both Nathalie E.A. Paluch and Stephen Kolodny believe their position is the bridge to 'truth.' It is this writer's opinion that Ms. Paluch is representing the truth and is on the path to righteousness and Mr. Kolodny, well he, 'wants money.' It will be Judge Juhas's job to fill in that crevasse, and Mr. Kolodny is hoping it is not with the cash he is hoping to place in his bank account. Many years ago, I was told that the Stanley Mosk is also known as the "Palace of Perjury." Some things never change.
By John Nazarian
©Straight Talk with John J. Nazarian, Private Investigator
December 6, 2019
All Rights Reserved, do not reproduce in whole or in part without the express written consent of the author

subset: commoncrawl


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Nexus One Looks The "Real Deal" According to Many Reviews
by Ray the Geek on Jan.07, 2010, under Technology
Well, if you done any Googling lately (pardon the expression) on new phones at CES, it seems the biggest thing since the iPhone 3GS, is the new Google Nexus One made by HTC. As you may have seen from my previous posts, many Android OS phones have hit the market all viding for that coveted top spot currently held by the venerable iPhone. Unfortunately none have truly come close including the new Motorola Droid. But enter the new kid on the block, Nexus One that has sites like CNET, Egadget, TechCrunch and Telegraph all touting its virtues.
What make Nexus One so good? Start with a Qualcomm Snapdragon (QSD 8250) 1 GHz Processor, ad a 3.7-inch (diagonal) widescreen WVGA AMOLED touchscreen with 800 x 480 resolution and 100,000:1 typical contrast ratio!
Then throw in a 5 megapixle camera with LED flash, 802.00 a/g/n wifi (Yes that is right N!), Bluetooth 2.1, AGPS, Compass, 512MB RAM, 512MB ROM, 4GB SD (supports 32GB), accelerometer and 720 x 480 video at 20fps for good measure! Then top it off with Android 2.1 (Codename=Eclair) and pack it up in a slick slim case. Yea, this kinda gives me that "nice toy" envy big time!
Reviews seem to like the performance of the Nexus One over the previous Android based phones currently out, pointing out that HTC may finally have got it right. Of course the billion dollar question is: "Will this finally give the iPhone something to worry about?" Well, Google has done a good job in building a development environment that fosters open source coding and thousands of apps are now available. Even though it lacks the polished precision of the Apple Appstore, Android Market does seem to have a broad range of apps. The one big thing the previous Android phones did seem to lack was smooth, consistent performance. Let's see if 1GHz Snapdragon in the Nexus One changes that. I guess we will see pretty soon if it does.
The Nexus One is available through T-Mobile for $179 or for $549 for an unlocked phone. NOTE: Even though the Nexus One is GSM, it WILL NOT support AT&T 3G networks! A Verizon/Vodafone version will be available in the spring.
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Join the Two Marks in their most audacious challenge yet to get the world writing
Want 2020 to be your best writing year ever?
Want to write & finish a book?
Want to create a lifetime writing habit?
Introducing... the most exciting writing challenge ever!
Sign-up and start today!
200 Words a Day
A Deadline
Happy Author
With Finished Book in 2020
Let's Collectively Write
The BXP Community Challenge is to collectively write one billion words and see at least 15,000 books finished, including yours!
2020 Your Best Writing Year Yet...
The Two Marks (Desvaux and Stay) are the co-hosts of The Bestseller Experiment – one of the most popular writing podcasts on the planet, with over half-a-million listens.
In the first year of the podcast, they challenged themselves to write and publish a bestseller. The result? The time-travel, rock n' roll, chart-topping BritCom - Back to Reality!
Three years on, they have amassed 250 hours of interviews with bestselling authors who have collectively sold over half a billion books (yes, billion!) Authors include Michael Connolly, Ian Rankin, Joanne Harris and Walter White himself, Bryan Cranston. In all these interviews, there is one piece of advice that keeps coming up...
But Writing Every Day is Hard...
It is! Most who try, fail. In our studies, 83% of writers cited not having time to write as THEIR NO.1 CHALLENGE. So Mark Desvaux, coach and habit geek, ran an accountability experiment, firstly himself, then with a larger group of writers ("Experimates"). The results were astonishing:
- "Experimates" reported ten times their word count.
- 90% of participants reported feeling more accountable.
- 100% of writers loved the challenge.
...and Mark wrote more words in two months than the previous year.
Why 200 Words?
- 200 words is around one page in a book.
- Write 200 words a day and you will amass 73,000 words in a year, the average number of words in a published book.
- From our studies, 200 words a day is completely achievable:
- It's an average of 15 minutes a day.
- It's the equivalent of two emails or six text messages.
- But we'll let you in on a little secret we discovered before you even start. The 200 word goal is the daily minimum. Our research shows that actual word count is higher, for example, you might even manage 2020 over a week (just saying....)
What Writers Are Saying
Having difficulty writing every day? Do this challenge
I really enjoyed this. Any writer having difficulty writing every day… do this challenge.
Mark my words, you will complete that novel within twelve months.
A napkin in a café, frantically scrawled in sand at the beach; wherever you are, no matter how busy your life is, you will find a place to get that daily word count down. Mark my words, (this is a long testimonial because I'm including it in my word count), you will complete that novel within twelve months.
Really showed the value of holding yourself accountable
The writing challenge was awesome. It really showed the value of needing to hold yourself accountable. I enjoyed this experiment immensely.
I've built up a good habit to carry me forward
I've built up a good habit to carry me forward and turned off my compulsive inner Editor to get that word count done. I highly recommend the Writing Challenge to anyone who is struggling to just "get it done".
I was writing more words each day without thinking it was an effort
I found the challenge a great way to pick up momentum again as my writing was in a real slump. Towards the end of the week I found I was writing more words each day without thinking it was an effort. I think being accountable was the real clincher for me, as I work much better to an imposed deadline, and setting my own has never been particularly helpful.
A huge confidence boost
The writing challenge was a huge confidence boost. A simple idea, yet it reaped huge benefits, motivating me to write off piste. It provided me with a sense of achievement.
10x WORD COUNT
It was great to see my word counts climbing through the week, and to see my weekly total end at almost 10x the previous week.
Kick start you Writing Habit
Great way to kick start a writing habit, especially if you're not sure how to begin.
If you want to build a long-term writing habit, 200 words a day is a good way to do it!
An enjoyable, low-pressure experience that helped get the creative juices flowing. If you want to build a long-term writing habit, 200 words a day is a good way to do it!
Better than other writing groups and challenges
I thoroughly appreciated taking part in the Challenge, a helpful and fun motivator. Better than the writing groups and challenges I've tried.
The Challenge is in Open-Beta.
With your help, it will remain all-inclusive.
As the BXP2020 Challenge is in Open-Beta, we want it to be free for students, those on low income and those who want to "try before they support."
However, you know us... we LOVE a good experiment! If you can contribute to the running of this challenge, we have an interesting twist... We call it the "Gym Membership Effect". Research shows that when people commit financially, they have a much higher success rate.
Once you have tried the Challenge and see the benefits, we'll invite you to pledge a nominal amount to help support and grow the project and also receive some wonderful goodies in return.
The BXP2020 Challenge will prove to you that no matter how busy your life is, if you commit to writing at least 200 words a day towards your book, you can finish it in a year or less. And if you accomplish this in 2020, maybe you can do it for the rest of your life? Just how many books could you publish?
Let's be honest... When is life ever going to get less busy? It is not about how busy we are, it is about making a commitment to ourselves, getting in the writing habit and also a little encouragement from The Two Marks each week!
Don't die with your words still inside you...
As one participant said... "No more excuses!"
What's more, by taking part you will help...
Your word count will contribute towards our Community Challenge to collectively write ONE BILLION WORDS! To make this a reality, we have 15,000 spaces for this challenge, so tell your friends and get them to sign up today.
© The Bestseller


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There's nothing better than that group of humans that fiercely loves you, cheers you on, and catches you when you occasionally fall on your ass, right? You know the ones — they are the group text that you hit first when you're having a bad day. They are your own personal Lizzos to back you up when things get tough. Now, imagine a room full of them dancing around in underwear to your favorite music and telling you how much of a queen you are. Sounds awesome, doesn't it?
That's exactly what a fempowerment party is. We dance around to your favorite playlist that makes you feel like a goddess, while your BFF's cheer you on during your mini boudoir session. It helps make what can be an intimidating experience (I have to be in underwear in front of a camera?!) that much more fun. Plus, it's a great day to celebrate with your favorite humans.
Meg wanted to do exactly that, love on her favorite womxn for an afternoon. They laughed, they danced, they cheered so loud that the studio neighbors asked if we were okay afterward. They came in a little nervous (totally normal, literally everyone is) and left after some serious bravery. It could not have been a better afternoon spent with better people.
Cheers y'all, you are good as hell.


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It's harvest time, it's wine time.
We have selected the structures from north to south which we believe in addition to good drinking have the architectural beauty, ancient or modern, the cellar is a magical place to visit. In every point of Italy there is wine and where there is wine there is friendship.
LES CRETES - Located in Aymavilles at 600 m a.s.l. (2000 ft), the Refuge of the wine is Les Crêtes tasting room. A place to take a break, in the wonderful frame of Valle d'Aosta mountains, tasting hancrafted, quality wines.
TRAMIN WINERY - Near Bolzano The Gewürztraminer winery. Constantly permeated by light, gazing at valleyand the green arms that perfectly surround the vineyards and watching over the changing of the seasons.
CASTELLO DI MONTE VIBIANO VECCHIO - Staying green and in continuous eco-sustainable research, this is the mood of the Tenuta di Montevibiano Vecchio. Everything remains intact, in the gentle hills of Umbria, using technology at the service of the environment. With the castle to watch over them, it seems to go back in time.
FEUDI DI SAN GREGORIO - Today epitomises the oenological renaissance of southern Italy, promoting a wine culture for the rediscovery of Mediterranean flavours. A complex project for which world-famous architects and designers have collaborated: from Massimo and Lella Vignelli, the Japanese Hikaru Mori with Maurizio Zito and Fabio Novembre.
FEUDO DEL PISCIOTTO - In rural areas of south-eastern Sicily - an area that is still authentically Sicilian - near the borders of the Niscemi Sughereta Nature Reserve, there is a historic feud dating back to the 1700s that has been carefully restored maintaining the imposing original structure. This extraordinarily beautiful place hosts the Feudi del Pisciotto winery, a right way to combine holidays and wine culture.
L'ASTORE - Is the ideal place for a multisensory experience. Surrounded by about 100 hectares of vineyards and olive groves, this historic building has been renovated with great attention and respect for its original features. It has an underground oil mill and a wine cellar for wine aging according to the architectural tradition of Salento with vaulted star ceilings and using only local materials such as local lime and sand stone, called by visitors "The Cathedral of Wine".


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This Thailand trip report is from a member.
Prior to his trip, he was worried about discrimination, Thai girls not liking Black men …
These worries turned out to be unfounded. – Here's his story; I have added my comments below.
Thailand Report
'Oh, chocolate man! Welcome welcome!'
This was my daily experience & it completely annihilated my preconceived notions about Thai girls disliking Black guys or that I would be at a disadvantage.
I had always been interested in Asian hotties but didn't have much success at home in the US. The few Asian women I had met weren't the ones I found attractive 🙁
Maybe that was one of the reasons why I had this idea that Asian women don't like Black man.
The reality is quite a bit different. (At least based on my Thailand experience.)
Many are interested, some are a bit scared (especially if they've never been with a Black fella) but those 3 weeks in Bangkok have been one hell of a ride!
First off, nightlife is off the hook!!
Some nights I went out alone and used your Interactive Maps which I thought was awesome because there was never a time where I felt like I was lost or didn't know what to do.
I was staying at the guest friendly hotel (near Nana Soi 4) that you recommended, had no idea what I was doing but as soon as I walked outside I opened the map and instantly had a bar or club within walking distance.
The only thing I disliked about that area is the ladyboys on the sidewalks at night. Many are very touchy and will approach you. After the first few days, I always hired a taxi to drop me of directly in front of my hotel.
Bar Girls/Working Girls
A word about bargirls/working girls/freelancers ….
I had thought I knew everything there was to this. After all, women are women … boy was I wrong!
I did study your playbook beforehand (INFO: He's referring to the Monger Playbook) which for me was basically a step-by-step guide on how to interact with these types of girls.
Man, it's like a bird-eye view on pay for play.
Like stepping out of the matrix and suddenly when I was talking to a hot freelancer, I would instantly know THIS is THIS, THAT is THAT like every piece of the interaction, her every move & what she says whereas before I would've fallen for their tricks, overpaid …
On my first night I went to the Japanese underground bar near Soi Cowboy. (INFO: He is referring to Thermae 😉 )
My plan was to take it easy and just have a drink there. As I was watching the crowd I was wondering what I would've been doing had I not used your guide.
- Very likely that I wouldn't have found this bar and
- I would instantly have done all the wrong things to identify myself as newbie (thus easy target for girls/scams).
Needless to say, I was well-prepared!
Finished my drink then took a girl from that bar upstairs (got a short time room at the hotel above the bar) for 2,000 ST!!! That's a ridiculous bargain.
As per your recommendation, had bought a new outfit for this Thailand trip to be well-dressed. I guess this made all the different. I did not encounter any discrimination (something I had read about online). I've probably been to a dozen gogo bars and nightclubs. – Not once have I been refused entry 😉
Already planning my next trip! Let me know if you're up for a night out – drinks & girls are on me 😉
King Epic COMMENTARY
The extend of stereotypes is usually blown out of proportion. Browse any Thailand online dating site and you will see some girls state 'No Black man!'
This leads many to believe that most Thai girls don't like men of color.
Some Thai girls really don't like Black/African American guys. However, what most Thai girls are referring to when they say 'No Black guy' is the stereotypical African American.
It's likely that they have never met one in person and as such assume stereotypes are true:
- – Black Guys are Drug Dealers/Thugs
- – Black Guys are Dirty
- – Black Guys are Womanizers
In Bangkok, there are many Nigerians hanging out on the streets near Sukhumvit. It doesn't matter if you're a Black guy from the US, people will assume you're Nigerian.
Unless … and this really is the easy solution to bypass ALL negative stereotypes …
In the case of stereotypes, your passport/nationality doesn't matter – first impression does! Dress well and you're not 'one of them' – stereotypes don't apply to you.
Look at the guy below.
Do you think anyone would think poorly of him? No way! He's gonna kill it with Thai girls!
There are even certain clubs that Thai girls go to to meet Black guys, such as Sugar Club Bangkok at Soi 11.
To sum up: Don't let what you read online discourage you from visiting Thailand if you're African American.
If you dress well, you will have no disadvantage (and probably do better than any Caucasian guy who is dressed poorly).


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CFPB report finds less than 50% of borrowers shop around for mortgages
Last week, the Consumer Financial Protection Bureau issued a breakdown of an important consumer behavior report. The National Survey of Mortgage Borrowers was completed by over 1900 homebuyers last year. These surveys asked approximately 100 questions covering the entire mortgage process, from when the consumer first started shopping for a mortgage, all the way through closing. Findings of the survey say that the overwhelming majority (77%) of first-lien mortgage purchasers only ever fill out one application.
Survey Key Findings:
- Almost half of consumers who take out a mortgage for home purchase only seriously consider a single lender or mortgage broker before choosing where to apply. Shopping is somewhat higher among first-time homebuyers, but not by much.
- Borrowers rely primarily on their lenders, brokers and real estate agents for information on the mortgage lending process. Far fewer consumers obtain information from outside sources, including friends, family, co-workers, housing counselors and even the web.
- Most consumers report being "very familiar" with types of mortgages, available interest rates, and the process of taking out a mortgage. Those who are "unfamiliar" with the mortgage process are less likely to shop are more likely to rely on real estate agents and personal acquaintances.
- A large number of borrowers report that factors NOT directly related to mortgage cost – including a previous relationship with a particular lender or broker, the lender or broker's reputation, or even geographic proximity – are "very important" in their decision-making. Borrowers who express these preferences are "much less likely" to shop.
How much do consumers shop?
Apparently, not much. 77% percent only applied to one lender. First-time homeowners are slightly more likely to apply to more than one. The survey found the most common reason for shopping was to find the best deal. 5% of consumers that applied to multiple lenders did so because they had been turned down elsewhere. CFPB concludes in the report that a large amount of consumers ARE NOT getting the best mortgage possible due to lack of shopping.
How familiar are consumers with the mortgage process?
51% of consumers say they are "very familiar" with the process, start to finish. 14% say they are not at all familiar. Most consumers were most familiar with their own credit score and history, while only 49% said they were "very familiar" with the amount of money they would need for closing. 14% said they were "completely unfamiliar" with closing amounts. 25% of first-time homebuyers said they were "completely unfamiliar" with the process. The report found that the less familiar the consumer is with the process, the less likely they are to shop. For example, consumers who had researched available interest rates were almost twice as likely to shop as those who were unfamiliar.
Where do consumers go for sources of information on getting a mortgage?
The study found that 70% of consumers used their lender or broker as their main source of information on taking out a loan. 33% said they used their real estate agent as the primary source. Only 20% of borrowers said they used the web as a source of information "a lot." Even fewer used friends, personal contacts, or financial planners. Less informed consumers tend to rely on personal acquaintances and real estate agents far more often than consumers who called themselves "very familiar" with the process. CFPB speculates this might be because those types of sources can provide information in laymen's terms.
What do consumers look for in a lender/broker?
The three most important characteristics for the borrower are:
- Having an established relationship with the lender/broker. (42% said this was very important.)
- "A local office nearby" is very important for 40% of borrowers.
- Reputation of the lender/broker is very important for 41% of borrowers.
Consumers who had a prior relationship with a bank or lender – or were located near one – were much less likely to shop around than those who did not.
CFPB caveat:
This analysis doesn't attempt to evaluate the extent to which shopping improves outcomes – like fewer delinquencies and foreclosures, for instance. But they're working on getting that data as well.
So, why do so few people shop around for a mortgage (even though it might benefit them financially), preferring instead to borrow from a bank or institution they have an established relationship with, or one that is conveniently located?
A recent piece on National Public Radio suggested this pattern in consumer behavior may be explained by consumer math skills. Specifically, many consumers may not understand how compound interest accrues over the life of the loan.
Link to story: http://www.npr.org/2015/01/13/376836545/consumer-agency-launches-tool-to-help-you-find-a-cheaper-mortgage
The CFPB report suggests a simpler explanation – people simply prefer going to their neighborhood lender/broker, or going to the bank they've already established a relationship with.
What does this data mean for brokers, lenders, and banks?
Solidifying a presence in your community may be the best way to drum up business. Making yourself available to the consumer as an resource for information can be an invaluable tool – the report clearly suggests consumers prefer this method of deciding on a mortgage provider to any other.
What does this data mean for consumers?
Shopping around may be in your best interest, especially if you are new to the mortgage process, and finding someone who will take the time and effort to get you the best loan available may require more than one pit stop.
Link to report: http://files.consumerfinance.gov/f/201501_cfpb_consumers-mortgage-shopping-experience.pdf
Dodd-Frank Financial Reform Changes the Mortgage Industry Forever
Blogs and websites have been on fire since the Dodd-Frank Wall Street Reform and Consumer Protection Act was signed into law on July 21, 2010. Though many mortgage lenders and mortgage loan originators (MLO) are still unclear as to the total impact of this new law on their income, there are a few elements of the law that are known and will affect every mortgage loan originator. The compensation provisions of the law go into effect on April 1, 2011 and set up new provisions for all MLOs. Although the industry experienced new disclosure requirements with the new Good Faith Estimate (effective 1/1/2010), and the inclusion of yield spread premium (YSP) into the Origination Charges, followed by a credit of the YSP to the borrower, established the new way of disclosing these fees, the MLO still financially benefited from YSP. That compensation process will come to an end. Also, the ability to price a loan differently due to loan size or complexity will not be a pricing option effective April 1st. All loan origination compensation must be computed on the loan amount and cannot be adjusted for a difficulty factor. Additionally, origination compensation must be paid by either the borrower or the lending source, not both.
Though these changes will affect pricing policies for many mortgage companies and MLOs alike, they are not the end of our industry, but rather a signal for the need to alter operations. The mortgage industry over the past several decades had become bloated with under-trained individuals earning incomes that rivaled physicians and attorneys. Unharnessed revenue structures allowed unskilled MLOs, untrained processors and managers to maintain high incomes without sufficient industry knowledge, all at the consumer's expense. Mortgage lenders could afford to maintain an unskilled workforce as per loan profit margins negated a need for sufficiently trained employees. Mortgage lenders of all sizes will now need to evaluate the cost of loan originations. A need to streamline origination and processing functions will become critical. Each dollar saved in the process becomes an additional dollar of profit and a potential compensation dollar. The need for a MLO to understand everything about the origination/processing procedures and to efficiently compile a closable loan file from the point of origination will be essential, if the MLO wishes to maintain a reasonable earnings per hour spent compensation. Effective training programs for all MLOs and processors will become an equally essential part of every successful mortgage lender's operations. The once neglected training area will be at the forefront of every profitable mortgage lender's staffing protocol. The days of unskilled, under-educated production and ops staff are gone. The ability for mortgage companies to retain employees who are sufficiently trained, will become increasing more difficult. As per-loan revenues fall, additional profits will only be achieved through greater efficiency and higher skill set of their workforce.
Though the Dodd-Frank Bill set out to achieve consumer protection through the establishment of compensation limits, the new law will also reach well into the operations of every mortgage lender. Along the way the law might possibly not only change the operations of the lender, but may also ignite changes that will improve our industry forever.


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EPFO Recruitment 2019 for 2189 Social Security Assistant last date : 21-07-2019Job Location: All India
Post details for EPFO Vacancy 2019
Post Name: Social Security Assistant - 2189 Posts
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Selection Process : Preliminary Examination, Main Examination, Computer Skill Test (Computer Data Entry Test)
Age limit : 18 to 27 years as on 21-07-2019
Application Fee : Rs. 250/- for SC/ST/PwBD / Female Candidates/ Ex-Servicemen candidates, Rs. 500/- for all other candidates
Pay Scale : Level- 4 of Pay Matrix (Civilian employees) (Gr. 'C') with Entry Pay Rs 25,500/- under 7th Pay Commission).
Important Dates for Employees' Provident Fund Organisation EPFO Jobs 2019
Starting Date for Apply Online 27-06-2019
Last Date of Online Application Submission : 21-07-2019
Online fee payment : 24-06-2019 to 21-07-2019
How to Apply:
- Apply Online on link given below on or before 21-07-2019.
Notification of EPFO Recruitment 2019 : Click Here
Apply Online for Employees' Provident Fund Organisation EPFO Recruitment 2019 : Click Here
Official Website : www.epfindia.gov.in


text:
Let's face it. if you are about to join a new financial institution and they bring out the dreaded paperwork stack, the game is over. Just get up, walk out, and find someplace that isn't stuck in 1995.
With everyone talking about digital transformation, we thought it would be helpful to provide an overview of the top providers of online account opening vendors in the credit union industry.
Continue reading "CU 2.0's Top Online Account Opening Vendors of 2019"


text:
Search found 261 matches
- Sat Jun 26, 2010 8:02 am
- Forum: News
- Topic: Promethius Fusion Makes The BBC
- Replies: 55
- Views: 12371
@Rob: Let's do it. I've got an idea: what if you could set up a B-dot probe, to measure whether the plasma was pushing the magnetic field. I don't know if you'd be able to see that, but it's something that hasn't been done, that's for sure.
- Fri Jun 25, 2010 4:29 am
- Forum: News
- Topic: Promethius Fusion Makes The BBC
- Replies: 55
- Views: 12371
Cool! Famulus got a big PR break! @Robthebob: Yeah, I'm half-tempted to try my hand a fusor. But I think I may just buy a plasma globe to get my 'oohh, pretty colors!' fix. I'm sure the Sydney group will come out with more - plasma physics just goes too darn slow though! (I guess you probably know t...
- Mon Apr 19, 2010 4:19 pm
- Forum: General
- Topic: Grad school
- Replies: 22
- Views: 4416
@MirariNefas: haha! That's a cool story. And the "big scary laser" sign was on the lab where I worked! @Ben & icarus: I can deal with vodka and scandinavian women... haha! Slough's actually got a couple different labs, b/c he does some of his work through a spin-off company (MSNW). They look like yo...
- Sat Apr 17, 2010 3:42 pm
- Forum: General
- Topic: Grad school
- Replies: 22
- Views: 4416
I second Kiteman! Please keep the politics out of here! @Mirari: very cool about your visit to UCLA. When did you that? I did the REU program there this past summer (2009),,and I worked with the HEDP group. (I'm actually going back this summer as well.) HEDP is in the same building as the old Electr...
- Wed Apr 14, 2010 6:51 pm
- Forum: General
- Topic: Grad school
- Replies: 22
- Views: 4416
Grad school
Well, I had to decide today... I was hung between U. of Wisc - Madison and U. of Wash - Seattle. I decided that since Madison has a bigger/better program, that's where I will go, even though around here Seattle gets most of the press, and personally I think Seattle is a much neater city. So, Robtheb...
- Wed Mar 03, 2010 3:19 pm
- Forum: News
- Topic: LPP fusion experiments getting ten times more neutrons
- Replies: 57
- Views: 20887
Yeah, I think we can expect to hear something interesting out of Tri-Alpha soon. NIF is going to surprise many folks as well: from what I gather, it is very likely get a pretty good Q sometime this year, and that may change a lot of perception about it. Good luck getting that info, btw! (trying to s...
- Tue Feb 16, 2010 6:13 pm
- Forum: News
- Topic: Polywell: We'll know in 7 months time?!
- Replies: 203
- Views: 48127
I'm with Kurt: we should try to find something more productive to do with the forum. (I'm biased toward Slough & Helion -- I'm looking at going to UW-Seattle for grad school in physics, starting this coming Autumn.)
@ RobtheBob: cool! Best of luck with your studies!
@ RobtheBob: cool! Best of luck with your studies!
- Sun Feb 14, 2010 3:51 pm
- Forum: General
- Topic: The "Science Culture"
- Replies: 13
- Views: 1987
The "Science Culture"
This is in response to Chrismb's remarks in this thread: http://www.talk-polywell.org/bb/viewtopic.php?t=1576&start=15 [quote='Chrismb'] It's a shame that these things are for academics only. I mean, if someone has an idea who's not an academic then they wouldn't be funded to go to such a thing even...
- Sun Feb 14, 2010 3:40 pm
- Forum: News
- Topic: Got a question about Eric Lerner's DPF? I'll ask him!
- Replies: 26
- Views: 10938
Haha, I totally missed that internal fusion engine! @Chrismb: I see your point. In fact, I really wish I could have gone, but I'm not sure they'll allow spectators who aren't presenting, and it would be kinda expensive. Anyway, let's stay on topic. I'll start a thread the science culture in 'general...
- Sat Feb 13, 2010 5:26 pm
- Forum: News
- Topic: Got a question about Eric Lerner's DPF? I'll ask him!
- Replies: 26
- Views: 10938
Hey, I found the website for the Innovative Confinement Concepts Workshop 2010: http://www.iccworkshops.org/icc2010/proceedings.php They've got all our usual suspects: General Fusion, Eric Lehner, LDX, FRC stuff, and even a bit on POPS (not by Nebel, tho!). Oh, and some guy with a very polywell-ish ...
- Wed Feb 10, 2010 5:55 pm
- Forum: General
- Topic: REU project
- Replies: 1
- Views: 1137
REU project
Well, apologies for tooting my own horn here, but I thought you might be entertained to see what I spent this past summer doing: http://reu.physics.ucla.edu/2009/home.htm http://reu.physics.ucla.edu/common/papers/2009/morton_lucas.pdf http://hedp.physics.ucla.edu/ Basically, I built some B-dot (magn...
- Fri Feb 05, 2010 8:34 pm
- Forum: Theory
- Topic: How about analogue computing?
- Replies: 13
- Views: 3778
Check out what they are doing at U. of Washington - Seattle: a DOE project to make a predictive computer experiment system for exploring innovative confinement concepts. Pretty sweet, huh? http://www.aa.washington.edu/research/PSI/ http://www.aa.washington.edu/research/PSI/research.html "The PSI-Cen...
- Wed Jan 27, 2010 3:19 am
- Forum: News
- Topic: More Helion Energy news....
- Replies: 223
- Views: 170575
Here's a supposedly updated pitch from Helion, they are much more enthusiastic in this, and perhaps the neutron graph is new (no units, unfortunately...). http://www.helionenergy.com/Helion_Presentation-Web2.pdf I noticed that they also have a "sponsored link" on Google -- they are advertizing! (I s...
- Mon Jan 25, 2010 6:49 pm
- Forum: News
- Topic: Levitated Dipole Experiment, or LDX
- Replies: 7
- Views: 3080
I think the occasion for the press release is the first real publication from the experiment while actually levitating the coil (they'd done some stuff with the coil sitting on struts). So, it's newly operational, but it's not a new idea, it's been in the works for several years.
- Sun Jan 17, 2010 3:14 pm
- Forum: News
- Topic: George Miley On IEC Fusion Politics
- Replies: 4
- Views: 2200
Well, ICC could mean "innovative confinement concepts" which includes IEC, as well as FRCs, RFPs, spheromaks, and even spherical tori by some definitions.


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Beware of credit and debit card fraud2 min read . Updated: 25 Apr 2018, 10:56 AM IST
You don't need to worry if you have lost money through a credit or debit card fraud because of lack of security from the bank
Mumbai: Scene 1: Your mobile phone rings. When you answer it, you are informed that it is your bank executive. You pay attention to the call. The caller says you have won a contest and to send the money, she needs your debit card and credit card details, your personal identification number (PIN) and card verification number (CVV). What will you do? Many have fallen victim to such calls and given away their details and later realised that money has been stolen from bank accounts.
Scene 2: Your mobile phone beeps. You see multiple bank transaction messages. The bank alerts you about each transaction, but you haven't done any of these transaction and the card is still with you.
These are real-life scenarios that several people have experienced and been duped of thousands, sometimes even lakhs. From April 2017 to December 2017, 23,865 fraud cases related to credit, debit cards and internet banking were registered, according to Reserve Bank of India (RBI) data.
How does it happen?
There are multiple kinds of cyberattacks that take place - phishing, fake apps, fake websites, SIM swap, spoofing, cloning and skimming. In phishing, fake emails or messages asking for bank and credit or debit card information are sent to a customer. In spoofing, a fake website is created to dupe customers. In SIM swap, bank officials can also be part of the fraud. "Such crimes cannot occur without collusion of bank officials and staff of telecom service providers," said Puneet Bhasin, Mumbai-based cyber law expert and president, Cyberjure Legal Consulting. "Fraudsters helped by bank officials manage to get the same mobile number as that of the victim's to steal the OTP," Bhasin said, adding this happens as bank officials leak details such as permanent account number (PAN), Aadhaar, mobile and account number.
What should you do?
You don't need to worry if you have lost money because of lack of security from the bank. A customer will have a zero liability if the loss is due to negligence of banks, according to RBI. On the contrary, if the loss is owing to your negligence then you will have to bear the loss. For instance, if you have disclosed your bank details, PIN and CVV number, then you will be liable for the loss. In case of any fraudulent transaction, you should immediately call your bank's customer care and block your debit or credit card that was used for the transaction to avoid any further loss. It is your responsibility to inform the bank within 3 days about a fraudulent transaction, as per RBI guidelines. Next, you have to file a complaint with the bank and at your nearest police station. If you are not satisfied with the response from the bank, you should approach the internal banking ombudsman and can further even go to the consumer court. It is always advisable to register for SMS alert service to get real time updates of transactions. Don't shares any details related to debit or credit cards, account numbers with anyone. Avoid clicking on emails that seek your bank account, credit and debit card details.
Click here to read the Mint ePaperMint is now on Telegram. Join Mint channel in your Telegram and stay updated with the latest business news.


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The clock was ticking and I was still waiting for my cervix to do its job. My sister was knocked out on the couch. My poor husband's head was about to roll off as he tried to get some sleep in a chair. I tried to get some rest but no haps. So in between dozes, I watched TV and waited … and waited.
About 6:30 a.m. the doctor came in to check my cervix. Nothing had changed. I was still in between the 2cm and 3cm mark. Looks like I was not going to get to 10cm any time soon or at all for that matter. My birth plan was not going as planned.
Because they had already broke my water, I couldn't wait too long to have this stubborn baby of mine. Eventually, the inevitable. I would have to have a C-Section. I was not happy. I was frustrated. I was tired. I was annoyed. And now I would have to have major surgery. It had been a long two days and I was just ready to have this baby. Having a C-Section just seemed like the worse. From my hubby, to my sister, the nurses and doctor — they all consoled me. They told me it was going to be ok.
I tried.
In the grand scheme of things delivery is really up to the baby. We can plan how we want things to go but we all know that sometimes things just don't go the way we planned. I wasn't planning on having a child at 44. But here I was about to do it. Overall we just wanted a healthy child. So how ever he was going to come into the world we were gonna have to deal with it.
Things moved pretty quickly after I was told the news. The got me prepped to go to the operating room. I was about to have a whole child y'all. "I don't know nothin' bout birthing no babies."
OUR lives were about to change. What would he look like? Would he have my eyes? His dad's complexion? Our personalities? There was so much going through my head. Mostly, that everything would go as smoothly as possible.
My poor sister, having waited hours, now had to leave the hospital right when I was about to deliver. She has three children of her own so she had to get back to take them to whatever activities they had that day. So it was just me and Dad. I think that's how it was meant to be though.
It was time. We were about to become parents.
They gave hubby a sterile jumpsuit to put on. HA-LAR because he could barely fit it. They put the little cotton cap on my head and proceeded to roll me to the operating room. They lifted my body a bit to transfer me from my hospital bed to the operating table. Then they put up a barrier between my upper body and my lower body so we couldn't see them cutting me open. Please and Thank You.
They numbed me up some more — Praise Him! Because one thing I didn't want was to be awake during major surgery and feel them cutting me open. No thanks. I've never had major surgery before so I have no idea what to expect during or after.


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|About this Recording
8.573088 - ZEMLINSKY, A.: String Quartets, Vol. 2 (Escher String Quartet) - Nos. 1 and 2
Alexander Zemlinsky (1871–1942)
The year 1896 was an auspicious one for Alexander Zemlinsky, the youthful pianist and composer who was quickly earning a name for himself in his native Vienna. Late that year he took prizes with his first opera, Sarema, and his recently composed Trio in D minor for clarinet, cello and piano, adding to a growing list of awards and culminating with the support of Johannes Brahms. In July the twenty five year old Zemlinsky set to work on what was to become his first published string quartet (work on an earlier quartet in E minor had been subsequently set aside). Considering his conservative training and inherent flair for lyricism, it comes as no surprise that Zemlinsky's musical vernacular remained securely tethered to the nineteenth century, evident in his melodies, harmonic language and reliance on nineteenth-century architectural moulds. Nevertheless, the quartet also reveals the bold hand of a composer intent on establishing his musical personality.
Zemlinsky's individual voice is apparent already at the start of the Allegro con fuoco. Setting to work immediately, perhaps even abruptly, Zemlinsky launches a theme rich in lyrical sweep and dialogue. If the occasional play of duple and triple rhythms or expressive turns of phrase mirror the extent to which Brahms was influencing Zemlinsky's musical thought, passages such as the secondary theme, which begins a conversation between violins before giving way to a soaring duet between violin and viola, illustrates what the elder Brahms must have seen in his youthful, passionate protégé. There is also little to suggest Zemlinsky's relative inexperience with the medium. Throughout the exposition, ideas unfold with confidence and invention and are subsequently worked out in the expansive development, where Zemlinsky's motivic manipulation and contrapuntal finesse stands fully revealed. Forsaking youthful vigour, Zemlinsky then brings the movement to a close in peaceful resignation, the spirit of Brahms having the final say. The Allegretto is ripe with flavours of the Austro-Hungarian Empire of Zemlinsky's day. Its outer sections, characterized by charmingly Viennese flirtatiousness, frame a driving Prestissimo, which in turn gives way to a furiant, a thrilling 3/4 time dance associated with neighbouring Bohemia (which remained in the hands of the Hapsburg Empire until swept away by WWI). Zemlinsky opens his expansive slow movement, marked Breit und kräftig, with a cascading line built of distinctly chiselled motives from which he draws his subsequent ideas. The expressive violin melody built on a gently rising and falling arch, the expansive F major theme introduced by the cello (con sentimento), even the accompanimental lines are all mined from this opening material, demonstrating both a stunning economy of means and Zemlinsky's undeniable lyrical gifts. As a pedagogue Zemlinsky emphasized the importance of moulding sharply contrasting ideas, a technique aptly revealed in the Vivace's three distinct theme groups. The rocketing arpeggios and syncopated rhythm of the vivid opening bars are effectively countered by the expressive leaps and rocking accompaniment comprising the sunny, sweeping second theme. The wistful closing material in the expected dominant key of E is itself a study in contrast, the static upper voices countered by the pulsing cello below (Zemlinsky subsequently reverses and expands the voicing outwards to stunning effect). If the conservative outlines of the movement are by now to be expected—the development moves rapidly through a wide variety of keys with fragments from each theme group and each is recapitulated in the "proper" key of A—what lingers is music of unflagging vitality born of Zemlinsky's distinctly personal voice, considerable talent and unabashed love of his Viennese heritage.
By the time Zemlinsky returned to the genre some seventeen years later, everything had changed. His early halcyon years given over almost solely to composition had been exchanged for steady if grinding work in the opera pit and on the podium, first in Vienna and then, following a string of professional disappointments, in Prague. Likewise, his musical thought was now consumed by the language of a new century, owing in no small part to the musical advances of Arnold Schoenberg, Zemlinsky's one-time student, friend and brother-in-law (Schoenberg had married Zemlinsky's sister Mathilde in 1901). By the time Zemlinsky set to work on what would emerge as his Second String Quartet, Op. 15, Schoenberg had already completed two quartets of his own—the first, cast as a single movement, and the second, a monumental work from 1908, representing his first foray into atonality. Zemlinsky was intimately familiar with both compositions, each firing his musical thought and pushing him in new directions.
With life devoted to work on the podium, both composition and relaxation had to wait for summers. In the summer of 1913, as war in the Balkans drew the continent ever closer to World War I, Zemlinsky took advantage of the peaceful surroundings of Kitzbühel, located in the Tyrolean Alps. It was here where he began his Second String Quartet, a composition conceived of as a single, extended movement comprised of five distinct sections. Easily the longest work of chamber music Zemlinsky ever composed, its appearance in 1915 placed Zemlinsky squarely in the forefront of the avant-garde. While not expressly programmatic, it is music of a deeply personal character, filled with longing, pain, humour, angst and the anxiety of a world teetering on the brink. Such intense emotional states could only be achieved by moving far afield from the traditional techniques that governed Zemlinsky's music prior to the turn of the century, and this he accomplished by expanding his trajectory in a variety of ways. As opposed to a single movement unfolding in a unified tempo or character, Zemlinsky calls for a kaleidoscope of pacing and sound—the first movement alone, for example, evolves freely over the course of five distinct tempos—and is meticulous with respect to instructions, whether indicating tempo, character, articulation, dynamics or upon which string to play. Though operating with traditional key signatures, many passages are devoid of any distinct tonality for measures at a time. Zemlinsky also exploits the quartet's potential via extremes of range and advanced techniques, requiring players of the highest calibre to satisfactorily balance the score's demanding passage work with appropriate nuance. And finally, the Op. 15 serves to illustrate Zemlinsky's fascination, perhaps even obsession, with the generating power of a motive, a small cell from which a seemingly infinite variety of ideas is constructed.
Two ideas presented at the start contain both the basic building blocks and capture the tenor of the overall work: the sorrowful opening motto, characterized by its initial three-note ascent, which Zemlinsky already begins to develop in the fourth measure, and the highly charged material with its strongly defined rhythmic contours (and which can arguably be traced back to the motto). As opposed to following a preexisting formal scheme (sonata form, for example), Zemlinsky allows his material to create its own drama. Matters, therefore, unfold independently of traditional architecture, the juxtaposition of these opening characters—the one reflective, the other aggressive to the point of violence—generating the conflict and resolution occurring repeatedly throughout the movement and the entire composition. As such, the opening, marked Sehr mäßig, might best be considered a microcosm of the quartet as a whole. Nor should the quartet's striking textures and the interplay among voices escape notice. Among the most colourfully expressionistic passages Zemlinsky would ever compose, for example, is that introduced by the haunting pizzicato heartbeats of the cello toward the close of the first movement, as the violin's springing sixteenths dance atop a steely, two-bar ostinato.
A warmly expressive theme introduced by the viola ushers in the D major Adagio, as Zemlinsky continues to spin a maximum of material from his initial three-note cell. At the exact midway point of the movement Zemlinsky unleashes a tempest, the cello surging forward with hysterical passage work and textures approaching symphonic proportions. Its intensity unsustainable, matters quickly settle down before launching into a set of highly distinctive variations, only to climax again in a furore of intensity. Calm is once more momentarily established at the Andante, as Zemlinsky treats his opening cell "with greatest expression," before driving the music forward yet again in the Allegro molto. Frenetic exploration of the basic material is here countered by expressive cello and violin lines, with much of the movement underscored by a series of dramatically rendered variants on the former heartbeat rhythm until fully exhausted. The music now completely spent, Zemlinsky devotes the last eighty five bars of his expansive score to calm introspection until the final echoes of his opening motto come to rest in an atmosphere of stable, D major tranquillity, a subtle if unequivocal affirmation that even in a work of such progressive dimensions, the composer remained inescapably bound to centuries of musical tradition.
Marc D. Moskovitz
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text:
I am so excited to finally be able to share our new spring & summer soy candle line! Not only do we have three amazing new fragrances, but they now also come in two sizes. We still carry the 19 oz. size and we have now introduced a 7.5 oz. size as well.
You can see all of our soy candles by clicking here.
I am still learning this whole "product development" side of things and part of that is it always takes longer than you think it is going to. However, I wanted to make sure I was absolutely in love with any candles before I brought them to you – and I can say for sure that I am in love with all of these.
And because we are so excited and because Mother's Day is right around the corner, we are offering FREE SHIPPING from now till the end of the day Tuesday, April 26th. Pick up some candles, home decor or some maple syrup for breakfast in bed, and the shipping is on us!
Just use code MOTHERSDAYFREESHIPPING
Thank you so much and we really hope you love them!


text: October 17, 2017 by dannylee THE COOK UP / ALUNAGEORGE Episode 3 of "The Cook Up with Ghetto Gastro" features Aluna of AlunaGeorge, as she skillfully whips with the chefs to create a mouth-watering spread that touches on all her family backgrounds. Now streaming on Spotify. non-scripted - the cook up, projects - the cook up 0 0


text:
Appalachian Chic
random thoughts on living and giving
July 3, 2019
Esther L. Roberts
You know that dream you've kept hidden in your heart for far too many years? Yes, that one. It is time for you to take a step - even a baby step - towards making your dream a reality.
Oh, I know - we have to earn a living and do "all the things" - I get it...
June 17, 2019
This morning I ran my first virtual 5K. It was my first race in years. My life crashed after last year's divorce, and my body crashed quite literally off my mustang and took a very long time to heal. But I enjoy running, so I've been slowly building up my strength t...
December 3, 2018
Esther Roberts
This book is the story of a twenty-six year "love affair" between me and my very best friend, Sam. The book is 254 pages of life lessons and wonderful anecdotes about the kindest horse I've ever known. Available through all major retailers, or, if you prefer a person...
July 9, 2018
How does one discern between loneliness, selfishness, fear, and wisdom?
About 12 weeks ago, my divorce was final. The emotional aftershocks were both unexpected and most unwelcome. The marriage should never have happened. Maybe we were both lonely. But it did, and,...
April 3, 2018
It is said, "change is the only constant in life." If this is true, and it certainly seems to be, then one's attitude regarding change dictates how one deals with the fluctuations, twists, and turns in this journey called life.
I suggest making a Big Deal out of Major C...
March 8, 2018
Easter is coming and, here in the South, that still means new dresses, fancy hats, and Easter egg hunts. These days, most egg hunts involve hundreds of plastic eggs full of sugar-laden treats. I'm probably going to sound like some grumpy spinster aunt, but, as someon...
January 1, 2018
January 1, for me, is full of hope. The Christmas chaos - while merry and bright - is now past, the decorations packed away, the house is tidy and spacious again.
Each year on this day, I like to spend some quiet time reflecting back on the year behind me and loo...
September 19, 2017
Acknowledge what you're BAD at, so you can invest your time either getting better, or doing other things that you are GOOD at.
Yes, I know the above statement ends in a preposition, but go with me here, okay?
I am awesome at communication. Written or oral transmission o...
July 29, 2017
I've been on a personal journey of growth and healing for several years now. Last December, on Christmas Day, 2016, to be exact, I stepped on the scale and saw a number I NEVER thought I'd ever weigh. 207 pounds.
I'd like to say it broke my heart, bu...
July 14, 2017
Overwhelmed. I am overwhelmed with humility at the tremendous outpouring of enthusiastic support and love and kindness and friendship that has come my way as a result of writing so openly and honestly about my weight issues as a rider. My wonderful riding partner, K...
Older Posts >
A New BOOK!
Endings and Beginnings . . .
February 14, 2017
On the run . . .
Dreams . . .
A Dog for a Day
Happy new year, new me, new you
Eggactly what are we teaching our children here?
That less-traveled road . . .
On Failure and Success . .
Dear Thinner Me: The First Letter
On Airport Observations
On Animal Rescue
On Creating Courage
On Priorities
Open for Business


text:
The Guardian | Saeed Kamali Dehghan: Tehran has promised crushing response if US president makes 'strategic mistake' of listing elite force as terrorist entity
In the 11 months since Donald Trump's election, Tehran has been at pains to avoid kneejerk reactions. In a country of a thousand Friday prayer podiums, the measured responses to the US president's pronouncements on Iranian activities have revealed much effort behind the scenes to grapple with changed circumstances.
But Tehran's response this week to reports that the US is working to designate the Revolutionary Guards a terrorist group is an indication that there is a limit to its patience. It is also ratcheting up tensions in an already tense week, which could lead to the undoing of the 2015 nuclear deal.
Trump faces a congressional deadline of the end of this week to certify Tehran's compliance under the agreement. He has threatened to decertify it, which could unravel the accord despite the wishes of Washington's European allies, the majority of the international community and the US military.
Read more here


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Kameleonz to release Aviator line of Interchangeable Glasses
Kameleonz, the line of cool sunglasses that gives users the option to personalize their outdoor glasses depending on mood or occasion, is about to release something new.
|Kameleonz Aviator SunGlasses
Kameleonz Philippines hints us with this teaser poster of their upcoming line of Sunglasses, the Aviator. The Aviator style sunglasses has been popularized by Rayban way way back and has been a personal favorite for many. You may have also seen it on Top Gun, where Tom Cruise wore it with style making himself the best person to wear it right!
Kameleonz Sunglasses offers unique way of creating your own pair, as you switch its sidearms to a different color and style. Each pair of sidearms creates a new look that adds glitter on what you wear, or activity that you're about to accomplish. Having the Aviator-style glasses will gives it fans more options. Also the capability to change, interchange/mix pair of sidearms over the other w/o the need of buying an new frame, is definitely budget-friendly but doesn't limit ones style.
The Kameleonz glasses pricing starts at 1000PHP that already includes a frame and a pair of sidearms. While each pair Kameleonz sidearms starts at 250. They also have bundled offers where you either get extra pair of sidearms included in the package, or get extra frames and sidearms.
BenteUnoArmy! Don't forget to check and follow us on our social channels: Facebook, Twitter, Instagram, Google+, Youtube, Flickr


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Reference Request
Record Unit 9507, Oehser, Paul Henry, 1904- interviewee, Paul Henry Oehser Interviews, 1974-1975
Historical Note
Paul H. Oehser (1904-1996), began his career as an editor with the U.S. Bureau of Biological Survey, after receiving his B.A. from Greenville College in 1925. In 1931, he was appointed Editor of the U.S. National Museum, and in 1950 he advanced to Chief, Smithsonian Editorial and Publications Division. Oehser also served as the Institution's Public Relations Officer from 1950 to 1966. Following his retirement in 1966, Oehser was appointed a Research Associate of the Smithsonian Institution and Editor of Research and Exploration Publications for the National Geographic Society. In addition to his work at the Smithsonian, Oehser published essays, poetry, and books about the Smithsonian and its scientists, and was active in the conservation movement.


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In Honor of Surya Devata
Reading Verse 37 of
Shri Guru Gita
, I understood that it is through the Guru's love that I feel great love for my daughter. I also realized that when I am experiencing love for my daughter, I am experiencing the Guru's love.
Thank you, Gurumayi, for being so present in my life and for guiding me to experience love, respect, and compassion in this wonderful world.
Niterói, Brazil
Verse 37 of
Shri Guru Gita
has always been particularly dear to me.
When my son was born with a significant disability, I was utterly at a loss as to how to proceed. I offered my situation to the Guru, and so began my
in earnest. Gurumayi has taught me, shown me, encouraged me, challenged me to see beyond the surface, to understand the true nature of the Self—and to love the life I was given, not mourn one I hadn't received.
Our family has become more dear to me than I could have imagined, and my relationship with the world is utterly transformed. While I may not know exactly where we go from here, I know how we will proceed: by the light of Shri Guru, with whole hearts and thankful minds.
I give thanks for
Shri Guru Gita
which gives me both a way to express my love, and to continue absorbing more of the mysterious, illuminating, life-sustaining power of the Guru. To say that I owe my existence to Shri Guru is a simple, magnificent truth.
Washington, United States
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A seatrout recipe you need to know.
Tender, crispy, nutty and sweet, amandine style complements the light taste and texture of seatrout.
This recipe's combination of fish, butter, and lightly toasted almonds can't be beat. Moreover, it's a classic that every seafood cook ought to know and it's simple to prepare and make.
The classic recipe for fish amandine calls for freshwater trout. Rainbows and browns work well, but don't expect to find many of them south of the north Georgia mountains. Of course you could ask your local fishmonger to find you some, but I believe in supporting our own resources, and there are many species in our salty waters that are eligible for this recipe. Slot-sized spotted seatrout is the species that immediately comes to mind. This mild tasting, moderately firm fleshed fish is a favorite of many, as it's not too fishy and takes well to sautéing and to saucing. Other options are smaller members of the grunt or snapper families, as well as flounder or pompano.
Fish cookery isn't rocket science, but there are a few things to consider. Fish skin is one. Leaving the skin on fillets does help hold the flesh together when cooking, but it can sometimes add unwanted taste to your meal. Snook is the classic example: cooked with the skin intact, snook tastes just like Ivory soap! Another consideration involves cooking time. Don't overcook your fish. Thin fillets cook quickly and heating them just shy of being completely done and allowing them to finish cooking on their own, out of the pan or off the grill, is a good way to ensure tenderness and the best flavor. With your favorite fish, it will take some practice to get the cooking time just right, but you, and especially your guests, will taste the difference. FS
Fish Amandine
Four 6- to 8-ounce fish fillets
All-purpose flour
4 tbsp. (1/2 stick) unsalted butter
2 tbsp. canola or peanut oil
Lightly dredge the fish fillets in flour. Heat the butter and oil in a frying pan over medium-high heat, then sauté the fish until browned and crispy. Remove fish from pan and drain on paper towels.
4 tbsp. (1/2 stick) unsalted butter
1 cup sliced or slivered raw almonds
Juice of one lemon
Salt and pepper, to taste
Flat-leaf (Italian) parsley
In the same pan, wiped clean of the fish oil, sauté almonds until lightly toasted in the fresh butter. When toasted, add the lemon juice, salt and pepper to the almonds.
To serve, spoon the almonds over the plated fish and garnish with parsley. (Serves 4)


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Groups get cash grants
PUBLISHED: 11:14 09 March 2006 | UPDATED: 13:17 04 May 2010
EIGHT organisations across East Cambridgeshire have received county council grants to help them with running costs over the next year. Cambridgeshire County Council s cabinet agreed half a million pounds in grants across the county for voluntary groups,
EIGHT organisations across East Cambridgeshire have received county council grants to help them with running costs over the next year.
Cambridgeshire County Council's cabinet agreed half a million pounds in grants across the county for voluntary groups, including nearly £25,000 in East Cambridgeshire.
Littleport Day Centre - a drop-in centre for the elderly offering bingo and regular hot meals - is among the organisations named on the list. It is to receive a £1,500 grant.
Monica Frost, chairman and volunteer at the centre, said the service was dependent on regular county council grants.
"It will cover running costs - everything from the telephone, heating and transport.
"It's the only grant that we get."
She said the remaining costs were met through fund-raising activities.
The East Cambs Family Project received the biggest grant, a total of £7,061.
Co-project co-ordinator Linda Dicker said: "Without the grant we would be finishing on March 31."
Based in Soham, the project has offered a range of support services to families across East Cambridgeshire over the last 15 years, including help and advice on issues like debt, drugs and diet.
Other groups to benefit from grants include East Cambridgeshire Access Group, which will receive £1,000 to continue its work promoting access to information, services and buildings.
Ely SOFA - which reconditions second-hand furniture for re-sale at affordable prices - has received a grant of £3,000, and Ely and District Stroke Club will receive £1,000 towards its running costs.
Barns Community Rooms in Ely has received £4,653 and Ely Diocesan Committee has been given £3,723.
EARTH - the Ely-based horticultural group staffed by volunteers received a grant of £3,000.
County council cabinet member for community learning and development and adult social care, councillor Fred Yeulett, said: "The help, assistance and support of voluntary organisations operating throughout East Cambridgeshire is vital to the work of the county council.
"We recognise the valuable contribution they make to the work of the council across the board and are determined to support them in every way we can, including giving them as much financial aid as we can.
If you value what this story gives you, please consider supporting the Ely Standard. Click the link in the orange box above for details.


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Hyundai New Model Research in Centennial CO
Researching new vehicles can be time-consuming. This is especially true when you aren't sure which car you'd like to buy. Our Arapahoe Hyundai team understands that our customers have better things to do than spend hours each day searching for a new car. That's the reason we created this Hyundai new model research guide. It provides an overview of popular vehicles in our inventory for the 2020 model year. These vehicles include the Veloster N, Palisade, Accent, Venue, Kona, Santa Fe, Sonata and Veloster. Ready to explore these 2020 models? Read this review for an overview of color selections, design features, engine configurations and technology features.
2021 Research
2020 Research
Explore New Model Research Vehicles
Veloster N - As a high-performance vehicle, the 2020 Veloster N comes with Normal, Sport+ and Sport drive modes. Key Veloster N features include N Corner carving differential, electronic suspension, Pirelli summer tires and performance brakes. Its standard engine is a GDI engine (turbocharged and 275 horsepower. Your color selections for the 2020 Veloster N include Racing Red, Phantom Black, Performance Blue and Chalk White.
Palisade - If you've been searching for a full-size SUV that offers seating for up to 8 passengers, you're in luck. Not only does the 2020 Palisade meet this requirement, it has available third-row seating, quilted leather upholstery, an automatic hands-free liftgate and a digital instrument cluster. Exterior color options include Lagoon Silver, Becketts Black, Hyper White and Steel Graphite.
Accent - The 2020 Accent is a compact vehicle that's stylish and affordable. With the Hyundai Accent, you have three trim choices - Accent Limited, Accent SE (base model) and Accent SEL. Your color options for the new Accent include Frost White Pearl, Absolute Black, Urban Gray, Pomegranate Red and Olympus Silver.
Venue - Searching for an SUV with connectivity and safety features? You should definitely put the 2020 Venue on your wish list. The Venue comes with a power sunroof, two-tone color varieties, alloy wheels, a touchscreen display and 60/40 split seats. Venue color selections include Typhoon Silver, Lava Orange, Deep Forest, Fiery Red and Star Dust.
Kona - Although the 2020 Kona is a compact SUV, it manages to provide loads of useful and attractive features. Highlights include cloth seating, Apple CarPlay, a smartphone charging pad (wireless), Android Auto, heated seats and a head-up display. Color selections are Ultra Black, Sunset Orange, Pulse Red, Thunder Gray and Sonic Silver.
Santa Fe - If you need a vehicle that will handle the road conditions in Centennial Colorado, visit our dealership to explore the 2020 Santa Fe. Key features include fold-down rear seats, leather upholstery, traction control, a turbocharged engine, LED lights, a power liftgate and smartphone wireless charging. Your Santa Fe color selections include Scarlet Red, Symphony Silver, Rainforest, Stormy Sea, Lava Orange and Earthy Bronze.
Sonata - For the 2020 model year, the new Sonata features a sharper exterior design. Technology features include Shift-by-Wire, a digital instrument cluster (with a 12.3-inch display), Apple CarPlay and a Bose audio system. Other key features include a rear view camera, automatic high-beam lighting and memory seats. Color options include Electric Blue, Lakeside Blue, Quartz White Pearl, Phantom Black and Scarlet Red.
Veloster - Have you ever seen a vehicle with three doors? Not only does the 2020 Veloster offer this unique design, it comes with a hatchback. Other noteworthy features include a two-tone roof, Blue Link, an 8-inch touchscreen, Android Auto, a leather-wrapped steering wheel, sport-tuned suspension and a turbo GDI engine. It comes with the SmartSense safety features. This bundle of safety features include forward collision-avoidance assist, Driver Attention Warning, lane keeping assist, rear cross-traffic collision warning and smart cruise control. Available colors include Space Gray, Chalk White, Ultra Black and Sunset Orange.
Warranties - Our brand's vehicles come with comprehensive vehicle warranties. Our warranty offers include the America's Best Warranty. This warranty offers 10 years and 100,000 miles of powertrain coverage. The New Vehicle warranty offers 5 years and 60,000 miles of coverage. The Anti-Perforation Warranty includes 7 years and unlimited miles of coverage.
Arapahoe Hyundai - Your Trusted Source for New Vehicle Information
Why should you purchase one of the 2020 Hyundai models from our dealership in Centennial Colorado? Not only do we have a large selection of cars, we work hard to provide our customers with excellent customer service. We'll discuss your budget and work with you to find a car that is attractive and affordable. Our dealership provides a variety of online resources to simplify your search. On our website, you can apply for auto financing, view our special pricing events and schedule your vehicle service appointments. Visit our Hyundai dealership today. We'd be happy to discuss your goals with you.


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In 1945, at the end of World War II, African Americans assumed a more active role in aviation. A number of talented pilots entered the world of general aviation.
In time, black pilots also made their way into commercial aviation, an important breakthrough accelerated by the Supreme Court case of Marlon Green who sought acceptance as a commercial pilot in one of the major airlines. Black military pilots made significant contributions to both the Korean and Vietnam wars. With the advent of the space program, African Americans finally made their way into the astronaut corps, serving in a variety of technical and flying roles. The appointment of astronaut Charles Bolden as the head of the National Aeronautics and Space Administration (NASA) became an important benchmark in the ever-expanding role of African Americans in aerospace.
Guion "Guy" Bluford was the first African American to participate fully as a member of the NASA astronaut corps.
Bluford demonstrated an early interest in aeronautics, building model aircraft and dreaming of a career in aviation. He pursued his passion for aeronautics, graduating in 1964 with a degree in aeronautical engineering. Prior to joining NASA, he had flown F-4C fighters for the U. S. Air Force in Vietnam, completing 144 air combat missions.
Bluford's training as a fighter pilot coincided with the deepening U.S. involvement in the Vietnam War. While on active duty, he earned numerous medals, including the Air Force Commendation medal.
Given his stellar career and academic credentials, Bluford joined NASA space program in 1978. On his inaugural flight on August 30, 1983, he orbited Earth 98 times.
Mae C. Jemison became a prominent African American astronaut with her varied interests in science, photography, and languages. She flew as a mission specialist on the space shuttle Endeavor in 1992, completing 127 orbits of Earth.
Pioneering black astronaut Ronald McNair gave his life in one of the most tragic episodes in the history of the space age: the Space Shuttle Challenger disaster of January 28, 1986.
McNair joined the astronaut corps in 1978. Holding a doctorate in physics from MIT, McNair participated as a mission specialist in NASA's space shuttle program in the 1980s. At the time of his death, McNair had completed nine successful shuttle missions.
Charles F. Bolden graduated from the U.S. Naval Academy in 1968. Bolden served as a pilot with the Naval Test Center before joining NASA as an astronaut.
Bolden was also a part of the early contingent of black astronauts, serving as a pilot on the Orbiters Columbia (STS-61C in 1986) and Discovery (STS-31 in 1990) and, finally, as the mission commander on the Orbiter Atlantis (STS-45 in 1992).


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What we Do.
The cities we value are full of complexity, diversity and contradiction. They offer spaces to engage and areas to explore and discover. They are adventurous places.
These are the sources of creativity, innovation and an evolving, responsible urban society.
The digital transformation has its impact on our spatial environment. It changes how we work, live, move, produce and consume.
MakeMunichWeird is a call to activate spaces and foster diversity, innovation and a livable Munich.
There are potentials everywhere, in buildings, areas and voids.
It is a call for urban interventions, to push projects forward, and Munich on the map of the Creative Class.
To make it different, unplanned, divergent, edgy, vibrant. And future-proof.
Who we Are.
The initiative MakeMunichWeird was started by professors and researchers of the departments of architecture and management of the Technical University Munich. It is a transdisciplinary platform for researcher, artists, enterprises, the city of Munich, activists, creatives and everyone who aims to evolve Munich.
Isabell M. Welpe
Alain Thierstein
Frank Petzold
Benedikt Boucsein
Christos Chantzaras
Yonne-Luca Hack
Who We Need.
We challenge a city falling asleep. As an evolving initiative, we want to raise the awareness for the 'weird'. We want to connect with You, and design this initiative while we go.
We motivate for action, and to leverage the creative mind of urban Munich.
@students: activate your facilities.
@enterprises: open up for new ways of work.
@institutions: embrace the digital.
@society: hack the spaces outside the comfort zones.
We research and discuss through action. We confront, hack and test with urban interventions.
We collaborate, create and prototype in interdisciplinary design labs.
We develop with institutions transformative strategies for urban environments.
What is the plan? There is no plan, there is only DO.
Where We Meet.
WEIRD KickOFF
Academic Impulses
11.11.2019; 19:00 Uhr
TUM ARI, Raum 0250
Arcisstraße 21
Will Munich disappear from the Map of Creativity and Innovation?
Utopia Munich
Heßsstraße 132
UrbanPrototypingLAB for spatial interventions in Munich
14.04 - 17.04.2020
TUM Weißer Saal
Arcisstraße 21
This collaborative workshop is open to Master's degree students in
architecture, industrial design, management, engineering & informatics.
Further information:
Connect with us, to discuss, support or open your space
for pop-up labs, urban interventions or hack-the-city-thons.
Don't follow. Do. Make It Yours.


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Over the last years Esico has proven to be able to realize innovative designs, offering solutions for customer problems that were not available at the market. Enabling simplicity in construction is our motto (Eenvoud siert de construction in Dutch). We are looking for new nonconventional solutions for our customers that make production processes possible in an innovative and efficient way. Where normally large investments are needed, Esico is looking for a way doing more with less. Emphasizing creative, ingenious and straight to the point designs, consequently being cost saving, easy to maintain, reliable, easy to operate and to clean.
Whether it is about cooking food stuff by steam, producing solid surface or to cool yeast extracts, Esico has proven by inventiveness and plain logic to be able to develop exact that system the customer had in mind.
Guaranteed quality
The way of thinking of Esico is that mechanical and technological quality of the system must be guaranteed, as well as the quality of the finished product.
Before starting a new development, an aha-experience must be there. We must have the feeling that what's asked for, can be done! Therefore we need expertise from people who know what they're talking about and who know the product through and through. Developing something new, we want people who really want to be involved in this development. Out of teamwork with customer, supplier and Esico, something beautiful can be created. Challenge us; we are looking for a partner for developing a new Double Press Belt system.


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This Blog
- Taylor
- A 20-year old, vegan, theatre enthusiast with a joy found in taking pictures.
318/365 Veggie Sammie
1 comments:
- Stephanie Cawley said...
nice! we should swap some of our fave recipes for things sometime! i have this pie crust recipe for making hummus+veggie tarts (in the toaster oven even!) and you need to teach me how to use quinoa! and also where to buy it that's not insanely expensive.
- Nov 16, 2011, 8:35:00 AM


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The Icehammer
The Icehammer
|Preceded by:
|A Breath of Fresh Air
|Followed by:
|An Axe Too Far
|Given by:
|Belauk Forgearm
|Starts in:
|Icespire Peak
|Also occurs in:
|Windchill Reach, Mithral Mines
|Ends in:
|Icespire Peak
|Turn in to:
|Belauk Forgearm
|3,438 13 71
Control Wizard: ?
Devoted Cleric: ?
Great Weapon Fighter: ?
Guardian Fighter: ?
Hunter Ranger: ?
Oathbound Paladin: ?
Scourge Warlock: ?
Trickster Rogue: [Armor of Exploitation]
Boss drop: [Ice Armor]
Objective[edit | edit source]
- Retrieve The Icehammer from the Mithral Mines.
Summary[edit | edit source]
Belauk ForgearmThe mithral mine over there isn't just a mine. It was going to be the Icehammer clan's new stronghold here on Icespire Peak. When the giants and their army overran us, we had to leave behind many of the treasures we'd stored there, including our greatest clan treasure, the Icehammer.
I've received orders from our leader, Florin Icehammer, that the time has come to retrieve our clan's treasure. A full frontal assault with our army will do no good, though. It has to be one person or a small team who can infiltrate behind enemy lines.
Sounds like a perfect job for you. What do you say?
Steps[edit | edit source]
- Go to Mithral Mine
- Explore the Mithral Mine
- Defeat the War Troll
- Retrieve the Icehammer
- Claim Reward
- Return to Belauk Forgearm
Completion[edit | edit source]
Belauk ForgearmYou really did it! The hammer will be a rallying point for our entire clan! The giants won't be able to stop us now.
Walkthrough[edit | edit source]
There is no walkthrough for this quest yet. You can help Neverwinter Wiki by writing one.


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Voted Best of the Best for Dog Grooming in the Tri-City area for five years (2008 – 2012), The Kennels groomers are well-trained and experienced in grooming of all breeds of dogs.
A complete groom consists of the ears and nails, a bath, clipping or de-shed, and a complete blowout. We offer monthly cleanups for our regular clients that may need eyes, sanitary, and feet done a little more often (for dogs such as poodles and shih tzus).
Trusted Dog Grooming Services
Pets coming in regularly (6 to 8 weeks) will receive a discount. All dogs with appointments must have proof of current shots, including rabies and distemper. Grooming fees are dependent on pet size, breed of dog, condition of the coat, pet's behavior and type of trim.
We recommend that new customers bring their pet in for a consultation to better determine the pet grooming fee.


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I taught Science in High School for a number of years, along with a bit of Maths, Music and Computing. Fond of creating resources, I set up a publishing business for my own work along with that of other teachers. I now also teach part time in a university education faculty.
Engage, entertain, suprise, shock, explain, stimulate, encourage and praise. Anything to keep them interested.
Uni commendations for consistently high teaching performance.
BSc (Hons) Physics
Feel free to ask :)
5th, 6th, 7th, 8th, 9th, 10th, 11th, 12th, Adult Education, Homeschool
Math, Science, Astronomy, Basic Principles, Biology, Chemistry, Statistics, General Science, Physical Science, Basic Reading


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Recorded Webinar - Research in the Nature and Design of a Thriving Workplace
April 24, 2018
By:Jenn Maxwell
Tags: Webinars
The workplace is increasingly stressful: complex, demanding, and fast-paced. Thriving is the capacity to transform everyday workplace stress into opportunities for innovation, collaboration, development and growth.
Dr. Jennifer Walinga from the MA in Professional Communication program discusses the role of organizational communication design in fostering a culture of thriving. This webinar addresses how growth and transformation amidst stress and adversity are dependent on a leader's ability to design and foster systemic and networked communication channels and forums.


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Gentle micro needling to stimulate natural collagen
Treat you skin to the triple effect…
Rejuvenating – Stimulates natural collagen production
Wrinkle Removal – Interrupts and slows wrinkle formation
Refreshing – Vitamins and minerals revitalise and improve appearance
The most gentle, most effective skin needling treatment:
- Instant visual results
- No pain and risk free
- No injectables used
- Minimal downtime (less than 2 hours)
- skin is tightened, lifted and glows
- Mini eye lift and lip pout
- Suitable for both men and women
- Suitable for all ages 18+
What is micro needling (Mesh Vital)?
A digital skin needling procedure using a special formulated needle head and synthesised hyaluronic acids. Utilising a similar application method to micro-pigmentation Meso Vytal delivers skin cell boosting substances directly to the mid levels of the skin inserting highly effective anti ageing formulas directly to the problem areas where they are needed most.
Most skin treatments use products which sit on the surface of the skin and less than 20% of these products will be absorbed. Mesh Vital substances penetrate directly into the intersection between the epidermis and the dermis.
Your treatments
We will diagnose your skin and choose from three serums. The exact product will be decided during your initial assessment and consultation. Treatments can be offered for the face, the neck, decollette and hands:
Meso Vytal Med
With hyaluron and peptides to reduce wrinkles and to stimulate collagen production. Contains peptides to achieve a lifting result and hexapeptides to interfere with the formation of wrinkles.
Meso Vytal Fresh
A sophisticated composition of vitamins, Q10 and amino acids supplies the skin with essential nutrients. This is suitable for young skin which would benefit from looking fresher.
Meso Vytal Pure
The spa treatment to protect and refresh the skin. With amino acids and extracts from soybeans and yams roots. This will enhance dull and dry skin and will benefit more mature clients.
Treatments start with a consultation and skin analysis to discover the best treatment and product for each individual.
The area to be worked on is then clinically cleaned and dried. A digital needle therapy machine is then utilised to add the selected product to the required areas.
There is usually minimal discomfort. Some clients feel nothing except a prickly sensation.
For the first 4 weeks it is recommended that the treatment is once every 7 days. Afterwards it should be carried out every month to maintain optimal results.
There is very little downtime with this treatment. You may look slightly red immediately after but this will quickly subside. The skin starts healing immediately and you should notice a difference after 1 treatment.
If you have had your treatment more focused on wrinkles or small scars these may take a day to subside.
To take advantage of this revolutionary treatment please call Teresa on 0114 2872287 or 07737 744665, alternatively you can send a message via our contact form.


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Alessandro Bogliolo is chief executive officer of Tiffany & Co. Mr. Bogliolo assumed this position and joined the Tiffany Board of Directors in October 2017.
Mr. Bogliolo is a veteran luxury industry executive with nearly three decades of experience in general management, operations and marketing for luxury, fashion, jewelry and automotive brands. He started his career in 1989 at Bain & Company, a global business consulting firm, advising clients on mergers, acquisitions and strategy projects. He held positions at the Italian motorcycle and scooter company, Piaggio before moving on to Bulgari SpA, the Italian jewelry and luxury goods brand. Mr. Bogliolo served 16 years at Bulgari SpA in senior executive roles including chief operating officer and executive vice president – jewelry, watches & accessories. Subsequently, he served as chief operating officer for North America at Sephora, owned by LVMH Louis Vuitton Moët Hennessy, the leader in global prestige retail. Most recently he was chief executive officer of Diesel, the internationally distinguished Italian denim and lifestyle brand where he led the company's efforts to revitalize its brand and enhance their customer experience.
In 2018, Mr. Bogliolo was elected to the Board of Trustees of the Whitney Museum of American Art.
Mr. Bogliolo earned a degree in business administration from Università Bocconi in Milan, Italy and completed the International Management Program at HEC (Ecole des Hautes Etudes Commerciales) in Paris, France.


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I'd like to start by saying hello! I'm Sarah and I'm the owner, designer, illustrator and everything else you can think of at White Orchid Print and Design. I set the company up at the start of this year and although we are a new small business we have received a ton of support and […]Read More
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