text:
Croatia has recorded a whopping 7.2 million overnight stays so far this month. The welcome news was reported by the Croatian tourist board who said that the number is around 70 percent of last year's figure for the same period. The country saw a rise in cases last month but the infection rate has fallen since then.
It seems the country has become a popular choice among tourists from across Europe.
According to CroatiaWeek, over one million tourists arrived from August 1 to August 9.
The highest number of overnight stays was recorded in the region of Istria, followed by Kvarner and then Split-Dalmatia and Zadar.
From August 7 to August 9, there were reportedly more than 323 thousand arrivals and 2.3 million overnight stays, according to the Croatian National Tourist Board.
READ MORE: Ryanair slashes prices for September & October to under £10
Croatia holidays: Over one million holidaymakers flock to popular destination as cases drop
Croatia holidays: Croatia has recorded a whopping 7.2 million overnight stays this month
But it wasn't all Britons, according to the data.
There was an increase in arrivals from Germany, Slovenia and Poland as well as more domestic tourists.
Most tourists actually arrived from Germany, which made up 225,000 of the arrivals.
Croatian National Tourist Board Director Kristjan Staničić said in a statement: "After an excellent July in which we achieved about 60 percent of last year's result, in August we recorded even better tourist trends and are currently at about 70 percent of last year's result.
Holidays: Latest travel advice for Spain, Portugal, Greece & France [INSIGHT]
Pound to euro exchange rate: Sterling remains 'strong' [UPDATE]
Spain news: Soaring COVID-19 figures threaten Spain's economy [ANALYSIS]
"The markets that reacted best are territorially closer markets for which Croatian destinations are easily accessible by road, such as Germany, Slovenia, Austria, Poland, the Czech Republic, Slovakia and Hungary.
"We have directed our promotional and information campaigns towards these markets all the time, communicating that Croatia is a safe and well-prepared tourist destination.
"Also, with the increase in the number of airlines, tourist traffic in the southern parts of Dalmatia has intensified."
However, he warned that citizens need to continue to behave responsibly and follow epidemiological measures.
Croatia holidays: Croatia is exempt from FCO advice against all non-essential international travel
Croatia is exempt from FCO advice against all non-essential international travel, and is included on the UK's "air bridge" list.
However, at the end of July, there were rumours that Croatia could have been removed from the UK's quarantine exemption list.
After the reports, the mayor of Dubrovnik Mato Frankovic reportedly wrote to Prime Minister Boris Johnson.
He said: "The total number of positive Covid-19 cases from the area of the city of Dubrovnik is three, and currently over 8,000 tourists are in our city."
Global tourism 2020
At the time of writing, Croatia has recorded 5,649 cases of coronavirus and 158 deaths.
This is just below Greece, and just above the Maldives.
The worst hit region of Croatia is Zagreb with over 1,300 confirmed cases.
The country had a slight spike, but is now recording fewer cases each day.
Source Daily Express :: Travel Feed


text:
Powerful Backlinks That You Can Buy
Go to any SEO forum so you'll discover the obligatory post from a confused, backlink building noob wondering, "How do I create amazing backlinks?"
In the post, the frustrated linker claims they've tried everything to build quality backlinks: free directories, profile links, article submissions, comment spamming, etc. But nothing works. Despite almost all their low value efforts, they can not leapfrog their competitors inside the SERPs, so they're pleading with others to express their secrets to building amazing, stupendous, superfantastic backlinks. The good news is that you can buy powerful backlinks over at the Rankers Paradise website.
Trouble is, those secrets don't exist.
There aren't any magic shortcuts, no highly classified insider hacks to finding quality links for the website. Building amazing backlinks takes work.But that's the very last thing the forum vagrants want to hear. They want a quick fix, and creating something valueable is a ton harder than slapping a forum signature on a discussion thread post. So that message often falls on deaf ears.
However, if you're prepared to bust your ass, then I'll share my process for building amazing backlinks. It's not simple. It's not easy. In fact, it takes creativity, tenacity, dedication and hard work. But unlike low value link spamming, should you abide by these steps, you'll be able to build some amazing backlinks.
5 Steps to Creating Amazing Backlinks
Find Links
Link Prospecting
Content Linkworthiness
Link Outreach
How to develop backlinks
Step One: Find What People are Linking to
The starting point to get amazing backlinks is always to ferret your sites that curently have fantastic backlinks and scrutinize their link profiles. The logic being that good content attracts links, as webmasters feel compelled to express it with their audience. So on this first step, you're looking for pages with 'lotsa links' because they've already proven to have link worthy content.
To find out which blogs have attracted essentially the most backlinks, follow this technique. Note: with this entire post, we'll make use of a hypothetical instance of Jim's Pet Shop, a web based pet shop looking to attract links, traffic and attention because of its distinct dog toys.
Install the SEO for Firefox Toolbar (it's free!)
Run a search in Google (because of this example, I'm building a query for "dog toys"), select "show options" button (below the search box, left) and click "blogs" through the categories
Click the "100" option (just below the search box, right), that will provide you with the Top 100 search results
Once that's resolved, go through the "CSV" link (just under the search box, right) and export the final results fileFirefox for SEO provides you with lots of great information, but for this exercise, we simply want the info for that column "Y! Page Links," so it is possible to delete the remainder.
Sort their list by "Y! Page Links" from "largest to smallest." Your CSV results may need to look similar to this:
We are in possession of an accumulation every one of the blog articles about "dog toys" who have attracted probably the most links. The next thing in the process of building quality backlinks would be to see which sites are linking to those posts.
Step Two: Find Out Who's Linking
Now that we know which content include the link magnets, let's figure out who's doing the linking. Why is the "who" important? It's because these web owners previously pre-qualified themselves as link prospects by demonstrating their willingness to link in the market to a certain form of content, which with this example is content about "dog toys." So likelihood is good that they might link to our dog toy content.
So to find out your "who," access the CSV dashboard we created above, select every one of the top linking posts and drill into their link profiles. This can be done with all the "Yahoo Page Links" button about the SEO for Firefox Toolbar or it is possible to utilize the Yahoo link command: link:http://www.pawnation.com/2010/03/16/wacky-pet-product-squeaky-squigglers-dog-toys/ -site:pawnation.com
This produces a SERP list of all links pointing for this page, minus any internal site links through the root domain, which looks such as this:
quality backlink data
After running this analysis for link prospects, there's 2 sites that keep sprouting up inside the link profiles of such top dog toy posts: Doggies.com and Funstufffordogs.wordpress.com. Given their willingness to link to dog toy related content, they are great candidates for outreach campaign (covered in step # 5).
Now, if it's not clear yet, the intention of this task is always to assemble a listing of qualified prospects for outreach. This might be done inside a simple spreadsheet with multiple data columns. For my own outreach lists, I like to collect data on :
Target website URL: note the specific website and also the deep page I've found that's linking out
Toolbar PageRank: here I use TBPR to sort by relative value (loosely)
Contact name: personalizing your outreach letter is essential; addressing an email "To Whom It May Concern" is lazy as well as for losers
Personal email: don't send emails to info@ black holes or e-mail us forms, unless you like having your emails ignored or deleted. I give more information on obtaining difficult to find personal emails, on this article about 12 advanced tactics on the way to find someone's email address contact information.
Social media profile(s): what's their Twitter or LinkedIn handle? have no idea of? figure it out.
Notes: more details in regards to the blogger or how do people help personalize my outreach letters more
Also, understand that many blogs have a very stable of bloggers within the company. So I recommend you dig around and discover those that link out to your type of content more often and cite that in your notes section as well.
Step Three: Find Out Why People are Linking
To create linkable content, you should determine why certain bits of content attract links. Let's examine the blogs in the example above and see as we can discern why these five blogs about dog toys have attracted a lot more than 11K total links. Is there some shared element, some common thread that creates them so link worthy?
It so that happens that in this case the clues are pretty clear: the superior link performers are common articles about weird, odd, whacky or silly dog toys.
build backlinks seo
It's really not surprising because life can be pretty mundane, so everyone loves anything that's unusual. That's why creating odd or funny posts or videos is often a sure fire way to get links.
Dog Toy
Backlinks for your dog mustache
Michael Vick Dog Chew Toy
Backlinks for that Michael Vick dog chew toy
I mean, how will you not share or link to that Michael Vick dog chew toy photo, right?
So should you be online resources our hypothetical Jim's Pet Shop and you're simply trying to find content ideas that can attract links, writing a post about weird dog toys seems like an incredible strategy.Which brings us to your next thing.
Step Four: Create the Bait
To attract links like the most notable link worthy posts, you have to create something of similar value. Now, I'm not implying outright copy it, and I'm also not to imply you need to reinvent the wheel. You can absolutely do something similar, but allow it to be your individual. If it's a handy widget, produce a widget. If it's a whacky list, produce a whacky list. Point is, the information that you just create has to be valuable and interesting for a target market.
For example, go ahead and take premise above that people love content about weird dog toys. Now, there are various ways you can turn that intelligence into an effective content strategy. I've thrown together a couple of ideas for articles that I'm grading by level of effort and difficulty:
Easy: Create a short article of a whacky dog toy: It's not entirely original, but I bet it attracts a stray link or two.
Harder: Create articles about "10 Weird Dog Toys Your Dog is Gonna' Love." This involves more work, however, there is more chance for links.
Wicked Hard!!: Fire up your big brain, get super creative and begin a tournament on the pet shop website where people submit and choose pictures of their dogs with bizarre dog toys, with the very best pics all win a prize. You produce a contest page (with contest details, picture galleries and voting component), write a article announcing the contest the other announcing the winners, using the winning pictures, names from the dogs in addition to their owners.
Now which of these ideas is most intriguing? Which do you consider will attract essentially the most links? Point here is the effort matches the results, which is why I listed each idea by a higher level labor involved. In my experience, a lot more I work over a bit of content, the more links it attracts. This isn't nuclear physics, however it bears mentioning.
Step Five: Pimp Your Content
Okay, so it's time for it to promote your content via blog marketing. You're gonna get to be effective reaching in the market to the online marketers, key influencers and bloggers for that sites in backlink profiles that you just've gathered within your pitch list from second step. Now, you are not planning to boldly keep these things connect to your page about X with your request. That's far too obvious and heavy-handed. Instead, you are heading utilize a more subtle approach, by conntacting make them conscious of your posts and asking if they'd be happy to "share it" with their audience, as they've completed with similar forms of content.
To supply you with a better notion of what I'm speaking about, some tips about what a sample letter might appear to be while using "Whacky Dog Toy Photo Contest" idea for Jim's Pet Store. Note: this email template will depend on successful outreach letters I've used within the past.
Dear (name of blogger or site owner):
I read your recent article about the Top 10 Weirdest Dog Toys around the Planet (note: include a hyperlink to that story here to provide further legitimacy and remind the blogger with the article) also it was very funny. I liked it a lot that I shared it with my pals on Facebook and so on Twitter (actually tweet the content and drop link it that tweet in charge of proof).
Seeing that you simply're a fan of weird dog toys (and who isn't right?), I wanted to let you know of a contest I'm running over at Jim's Pet Shop (link to your website), known as the "Weird and Whacky Dog Toy Photo Contest".
(Include details concerning the contest)
If you imagine the contest is noteworthy, it would be great if you could share it along with your audience. Here's a connect to the contest page as well as a link to your website announcement (note: I like to add a lot of links in a outreach email; that gives the blogger more options; and very often most in the links I send get included inside article).
If you'll need some other information, just tell me.
Thanks for your time.
Jon Yastremskiopviche
Jon's Pet Shop
Build backlinks strategies
Now, anyone who's ever engaged inside the sort of coordinated, targeted, personalized and aggressive link outreach that I've outlined above understands its value. But you will get the naysayers who say "link outreach doesn't work" that is certainly primarily because:
They don't create anything of worth
They're unable to dedicate themselves to marketing content effectively
They've never even tried it, yet slam it because they are lazy
Whatever true, I'm here to express that I keep to the same process I've presented with this article also it works for me.
Also, don't fall for your old adage that most you have to do to draw in links is create great content. Just because you write good content doesn't mean the Web will automatically notice. You have to hit them over the head by it. It's okay to get self promotional, the truth is, it is important. Nobody else is going to pimp your content, so it's your responsibility.
One last note on link outreach is after you get every one of the procedures in place and possess an outreach list and an email template, you can have just about any one benefit sending your emails. I usually enlist interns for you out the emails and let them know to customize and personalize each email within the various fields, using the data I've collected within my outreach spreadsheets.
So as I said at the beginning of this post, everything I've discussed here takes work. Like anything worth doing, it's worth succeeding. Now if this isn't for you personally and your heart just isn't inside, then that's fine. There's no shame in admitting that is more work than you signed up for. But don't return to bitching inside forums inside a few more months about how you've created 300 social bookmark submitting links and it is possible to't access it the first page of Google, so you need a magical way to develop amazing backlinks that doesn't involve thought or effort.
Point is, the most notable ranking sites work their tails off to acquire quality links. To keep pace with these, you should devote a similar level of effort to content strategy and link marketing. If your goal is always to outrank them, then you'll need to make a move much more exceptional. And dumping endless weeks of frustration comment spam links on some poor guy's "do follow" blog isn't gonna undertake it.
Buy Powerful Backlinks For Seo
If you hope to beat out all the other sites on the engines, then you'd better work at getting one way backlinks from relevant sites so that the search engines will favor you. Before you turn on your computer and open your favorite work processor, you should spend time planning your article. They provide connection pools for quick response time. Once you have identified your bad backlinks, it's time to remove them. Now that you've seen what types of backlinks are the most helpful for your Google rankings, it's time for me to show you how to start building them. If you apply yourself, you can start a modest online business and gradually build it into something grand and profitable. The best part is you can choose your right person depending on your budget and the expertise level required. You may want to write one article and jump to the promotion right away. The implications of a punishment may be serious. It is not just for Backlinks; instead, it will also support your SEO requirements as well.
Some products are such that they require not only local promotion but also need a promotion at global levels because they have local as well as global audiences to address. There are hundreds out there if you want a list all you need to do is ask Google. If you can't figure out how they got the link, don't panic. Do not place your link on a forum with an ad about your website they will kick you out. Some specialists insist that with new Google search algorithms, the need for link building has gone forever. You might be surprised to learn that link building services UK are still very important, as link building itself remains important. Are there diverse sources linking to your competitors? There will be major re-distribution of search traffic in 3 or 6 months. If you're willing to accept the risk of losing your traffic overnight, then just roll the dice.
Know where you remain previously, then after the fact. If you are really serious about making money from adverts then you will find plenty of advice telling you that the best strategy is to place adverts in the prime areas of your website. If you are new to SEO marketing, you probably have no idea what backlinks are and the importance of them. We call these techniques as White Hat SEO Techniques. Brand improved SEO & SMO. Meaning, if someone types in "how to do x" you need to create content that clearly answers that question in a fashion that your audience will understand and find helpful. The easiest method to achieve people pages is thru recommendations getting a buddy or someone who accidentally visited that intriguing page. Be the blogger who writes everything authentically that people trust. These listings offer a much larger space for promotion of a business and increases visibility of a product to a customer who is more likely to buy the product.
Your Site is Stickier and More Appealing to Visitors: A blog on your site is an easy way to keep your site updated on a regular basis. Follow this same content creation and marketing strategy, and you too will find success with a blog of your own! Among the most important but sometimes undervalued digital marketing resources is email marketing. Bookmarking backlinks: when you buy this backlink packages, your URLs will be bookmarked and shorten from high DA websites. This template is definitely will be valuable for you in case you having an online store. The "perceived" value of a high PR7 or PR8 is extremely valuable. They violate the guidelines of search engines such as Google and Yandex. In 2016, Google released a Q&A video where Andrey Lipattsev, a Search Quality Senior Strategist at Google, plainly told us that links and content were the top two ranking factors. But, Google stated that purchasing backlinks is in the breach of webmaster guidelines. It is so easy for Google to spot these networks. But that doesn't mean you should be spending all your money on getting those links. Back links pointing to your site can help you in many ways. If you see at the left sidebar of this forum you can see both of these options.

subset: commoncrawl


text:
Arrest Information for Allen Mccullough
The following Official Arrest Record for Allen Mccullough is being redistributed by LCN and is protected by constitutional, publishing, and other legal rights. This Official Arrest Record was reported on July 31, 2019. The person named in this listing has only been arrested on suspicion of the crime indicated and is presumed innocent.
|Citizen Details
|Arrest Name
|Allen Mccullough
|XXXXXXiablo (VERIFIED)
|City, State
|Byron, CA
|Age / Gender
|51 / Male
|Hair / Eyes
|Not Available
|Height / Weight
|Not Available
|Arrest Details
|Arrested For
|11378 - Possess A Controlled Substance For Sale
11379 - Transportation/Selling A Controlled Substance
|Arrest Date
|July 29, 2019
|Release Date
|Not Available
|Bail Amount
|Not Available
|Arrest Location
|Not Available
|County of Arrest
|Contra Costa
|Contra Costa County Sheriff


text:
Category: Uncategorized
AISHIONY 5PCS Baby Girls' Newborn Tutu Onesie Outfit Princess Party Dress
Buy now from Amazon This outfit including headband, cute layered tutu with bow on the front, leg warmers and long sleeves onesieMade of cotton top and satin material, ...READ MORE +
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Carter's Baby Girls' 2 Piece Short Set (Baby)
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Simplicity Children's Hooded Coral Velvet Bath Robe with Pockets
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Mud Pie Baby Girls' Rosette Layered Dress
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Mud Pie Little Girls' I'm Two Tunic and Legging Set
Buy now Two-piece set consists of tunic and leggings.Sleeveless tank featuring metallic "Two" text and mesh tutu skirt Full-length legging in polka dot and stripes ...READ MORE +
Rugged Bear Boys' Snowsuit with Plaid Coat Two-Piece Set
Buy now Two piece snowsuit set.Two-piece set featuring solid-tone snowsuit and plaid coat with hood Snowsuit features zip-up front, adjustable shoulder straps, and ...READ MORE +
Kids Dream Sequin Mesh Flower Girl Dress Infant Toddler Little Girl
Buy now Sparkly feminine knee-length gown has a beautiful empire waist and is made with a double layered mesh finished with a gorgeous flowy double layered ruffle ...READ MORE +
iXtreme Little Boys' Toddler "Expedition 75" 2-Piece Snowsuit
Buy now Hooded puffer jacket with contrast color piecing on jacket. Zip front closure with Velcro placket cover. Solid snow bib with storm gators at leg opening, ...READ MORE +


text:
Christmas Festival of Ice
Those years of law school pay off for Emma but not in ways one would expect. When she finds out that her beloved ice-sculpting contest, part of her hometown's Christmas festival, has been canceled, she springs into action. Determined to keep it going, she enlists sponsors and artists. Nick, the town's ace artisan, isn't interested in competing this year, but Emma wants him as her teammate. Considering what she's managed to accomplish, Nick is impressed and signs on. As Emma and Nick work together, she realizes there's more to life than legal briefs. And transformed by Emma's can-do spirit, Nick is invigorated, too. They just might have a shot at winning this very special Christmas contest - and a lot more.
Genre: Romance
Actor: Joey Belfiore, Taylor Cole, Eldon Hunter
Director: David Golden
Country: United States
Duration: 90 min
Quality: HD
Release: 2017
IMDb: 6


text:
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This is for new Top Cash Back members only. If you are already a member, you are allowed to sign up another adult in your household.
This deal is valid through August 2, 2020 — or while supplies last.


text:
Over the past several months, since the release of the TZHANA training course, there have been literally hundreds of requests for the next generation of SAP HANA training — on release SAP HANA 1.0, SP03. Your wait is over…
Course: TZH300 – SAP HANA Implementation and Modeling course released on SAP HANA 1.0, SP03 (https://training.sap.com/us/en/course/tzh300-sap-hana-implementation-and-modeling-classroom-096-us-en/)
February 20-21: North America virtual but more events are planned based on demand
Registration: Contact SAP Education North America Customer Interaction Center at 1-888-777-1727 or email firstname.lastname@example.com
Course Goals: (1) Replicate data using SAP Landscape Transformation (SLT) and (2) Implement information models in SAP HANA
Target Audience: Data Modeling Consultants
Release: SAP HANA 1.0, SP03
Trigger-based replication with SAP Landscape Transformation (SLT)
Approaching SAP HANA Modeling
Connecting tables
Advanced Modeling features
Introduction to SQL script and Script based Calculation Views
Processing Information Models
Managing Modeling Content
SAP HANA User Management and Privileges.
IMPORTANT NOTE: Soon, we'll have two more HANA courses, TZBWHA for customers running BW on HANA and TZH200 for consultants who are responsible for installation and administration of HANA. More on those as we get closer.


text:
Do you want more traffic, leads, and sales? Submit your blog below if you want to grow your traffic and revenue.
Submit Your Blog
Hinduism Podcasts
1. Sound Bhakti | Podcast on Hinduism
About Podcast Sound carries consciousness. Pure spiritual sound awakens the original consciousness of the soul: Krishna Consciousness. Our mission is to keep pure spiritual sound going and to broadcast it as far and wide as possible. Frequency 4 episodes / week Since Dec 2017 Podcast podfanatic.com/podcast/sound..
Domain Authority 45ⓘ ⋅ Alexa Rank 457Kⓘ View Latest Posts ⋅ Get Email Contact
2. Krishna's Mercy | Podcast on Hindu Religion
About Podcast This podcast gives a glimpse of Hinduism and talks about hindu mythology and Lord Krishna's teachings. Frequency 1 episode / day Since May 2010 Podcast krishnasmercy.podbean.com
Facebook fans 918.5K ⋅ Domain Authority 86ⓘ ⋅ View Latest Posts ⋅ Get Email Contact
3. Live Vedanta | Podcast on Hinduism
About Podcast A podcast on high thinking and happy living with Vivek Gupta who narrates his version of Hinduism. Frequency 2 episodes / month Since Aug 2018 Podcast livevedanta.simplecast.com
Domain Authority 67ⓘ ⋅ Alexa Rank 33.6Kⓘ View Latest Posts ⋅ Get Email Contact
4. Ram Dass Here And Now
About Podcast Ram Dass shares his heart-centered wisdom in each episode featuring excerpted lectures given throughout the last 40 years, with an introduction from Raghu Markus of Ram Dass' Love Serve Remember Foundation. Frequency 1 episode / month Since Sep 2014 Podcast beherenownetwork.com/categor..
Facebook fans 32.2K ⋅ Twitter followers 8.6K ⋅ Instagram Followers 42.1K ⋅ Social Engagement 1ⓘ ⋅ Domain Authority 39ⓘ ⋅ Alexa Rank 669.3Kⓘ View Latest Posts ⋅ Get Email Contact
5. Gita For Daily Living Podcast
About Podcast Gita for Daily Living is a weekly podcast that distils the wisdom of the Bhagavad Gita and presents it in a way that is action-able and relevant to daily life. Frequency 2 episodes / month Since Dec 2012 Podcast neilbhatt.podbean.com
Domain Authority 86ⓘ ⋅ View Latest Posts ⋅ Get Email Contact
6. That's So Hindu
Washington, District Of Columbia, United States About Podcast The Hindu American Foundation (HAF) is a non-profit advocacy organization for the Hindu American community. That's So Hindu interviews entrepreneurs and activists, politicians and professors, journalists, entertainers, spiritual teachers, and more on how Hinduism shapes their work and lives. Frequency 5 episodes / quarter Podcast hinduamerican.org/thats-so-h..
Facebook fans 22.6K ⋅ Twitter followers 26.1K ⋅ Social Engagement 43ⓘ ⋅ Domain Authority 54ⓘ ⋅ Alexa Rank 1.3Mⓘ View Latest Posts ⋅ Get Email Contact
7. The Koncham Punyam's | Podcast about Hinduism
About Podcast A weekly podcast of Mantras , Slokas and Stories covering the 'Why' of 'What' of Hinduism Frequency 1 episode / day Since Feb 2018 Podcast konchampunyam.podbean.com/?u..
Facebook fans 120 ⋅ Domain Authority 86 ⋅ View Latest Posts ⋅ Get Email Contact
8. ISKCON of DC Podcast
Washington DC - Potomac, MD About Podcast ISKCON is an acronym that stands for the International Society for Krishna Consciousness. We are an active community in the Washington, DC area. This is where you can hear music, lectures, narrations, talks, and seminars from our temple. Frequency 1 episode / week Since Dec 2016 Podcast iskconofdc.org/audio
Facebook fans 4.6K ⋅ Twitter followers 721 ⋅ Instagram Followers 18.9K ⋅ Domain Authority 26 ⋅ View Latest Posts ⋅ Get Email Contact
9. Gita Wisdom Teachings by Joshua M. Greene
About Podcast Here's an ideal course for enriching your yoga in the company of inspired teachers and students. Each session includes readings, analysis, audiovisuals, verse recitations and practical insights in India's essential wisdom text. Attendees will discover the message of the Gita, master basic vocabulary and concepts, and acquire skills for teaching and practicing Gita philosophy. Frequency 2 episodes / month Since Mar 2018 Podcast gitawisdom.org/listen/podcasts
Facebook fans 821 ⋅ Twitter followers 1 ⋅ Domain Authority 19 ⋅ View Latest Posts ⋅ Get Email Contact
10. Kali Mandir Satsang Podcast
About Podcast Spiritual Discourses given at Kali Mandir, a traditional Hindu temple located in Laguna Beach, California is dedicated to the worship of Divine Mother Kali in the tradition of Sri Ramakrishna. Frequency 23 episodes / year Since Jul 2009 Podcast kalimandir.podbean.com
Domain Authority 86 ⋅ View Latest Posts ⋅ Get Email Contact


text:
New Romanian Cinema
- Romanian Shorts # 2 : 15:00- 16:30
Sélection et présentation par Dominique Nasta, professeure à l'ULB et auteure de l'ouvrage "Contemporary Romanian Cinema: The History of an Unexpected Miracle" (2014)
Director: Hanno Höfer 17 min.
Three young men from western Europe are bringing humanitarian aid to a remote Transylvanian village. They'll also be the recipients of a little humanitarian aid themselves.
Director: Cristi Puiu: 13 min.
An old man enters a restaurant in Bucharest. He takes a seat at a table where a younger man who looks like he could be a successful businessman is already eating dessert. Their short meeting shows two generations with different mentalities, but who act according to the same principle: Kent cigarettes and a pack of coffee can make the difference when you want to get a new job.
Director: Cătălin Mitulescu: 15 min.
While on his way for a business meeting, Tudor is having an unexpected 30 minutes break, because of the impossible traffic. He's got enough time to have a coffee, to talk a little about his beloved little girl and to take a picture.
Director: Radu Jude: 24 min.
Very early in the morning, Marian, a 7-year-old boy from a small isolated Romanian village, wakes up his father and persuades him to go into town to fix their old TV set. Despite the bad weather, the father finally agrees. Marian and his father start out, carrying the TV set, hoping that in the city they will find Bichescu, a specialist, who will fix their problem.
- Panel with professionals and experts around Romanian Shorts and New Romanian Cinema :17:00 - 18:30, free entrance
Looking back nearly 20 years, Romanian cinema has seen an impressive growth since the start of the "New Wave": a re-established film industry, countless awards and international recognition, valuable co-productions, diversifying narratives and formal experimentation. The « Cinema Palace « Program presents an engaging panel discussion in English with some of the key people that have observed and contributed to the rise of the New Romanian Cinema, offering their insights into its recent history, successes and future horizons.
Moderator : Dominique Nasta (Professor of Film Studies at the Université libre de Bruxelles and author of Contemporary Romanian Cinema: The History of an Unexpected Miracle (2013)).
Panel Guests :
- Corina Suteu (cultural consultant, former Cultural Minister of Romania, president of MAKING Waves, New York: New Romanian Cinema and fARAD - International documentary film festival)
- Bianca Oana (producer of the award-winning films Touch Me Not (d. Adina Pintilie), Collective and Toto and his sisters (directed by Alexandru Nanau) and Turn off the Lights (d. Ivana Mladenovic))
- Dana Bunescu has been the main film and sound editor behind the New Romanian Cinema:The Death of Mr Lăzărescu, 4 Months, 3 Weeks and 2 Days, The Autobiography of Nicolae Ceauşescu, Child's Pose and Ana, mon amour (Silver Bear for technical achievement at the 2017 Berlinale).
- Irina Trocan (film critic and academic, editor of EUROPALIA-ROMANIA's publication Romanian Cinema Inside Out: Perspectives on Film Culture, Industry and Politics 1912-2019).
- Andrei Tănăsescu (curator and festival programmer based in Toronto and Bucharest, curator of EUROPALIA-ROMANIA film programme Videograms of a Nation).
- Romanian Shorts # 3 : 19:00- 21:00
- A Night In Tokoriki - In an improvised night club called "Tokoriki" the whole village celebrates Gianina's 18th birthday. Her boyfriend and Alin will give her a most surprising gift, one that nobody will ever forget. A lot is happening at Disco Tokoriki tonight. Geanina is celebrating her 18th birthday, and it seems as if the neon lights are shining just for her and her boyfriend... (18')
- Borders - A story which follows the borders that have silently grown between a man and a woman. Interior, emotional borders. The ones which separate us before any other. Feeling that his wife has grown estranged from him after years of working abroad, Tavi decides to go to France and convince her to come home. Angela, his wife, has a hard time telling him the truth he needs to hear until Tavi 's desperate gesture forces her to do so. (27')
- Ivy - At a dinner party with her friends, Zoe introduces Duncan, her new foreign boyfriend. Everybody seems to get along, but Zoe has a secret that is weighing her down. (27')
- A Death In My Family - "I always thought the world would stop spinning when a loved one dies. But it did not stop." Grandma is terminally ill, while the rest of the family frets with Easter preparations. The camera observes the familial dynamics and creates a reflection on death from the granddaughter's perspective. (14')
15:00 - 19:00
table ronde: entrée gratuite / séances: 6€


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Everything tagged
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Brayon Blake scored 25 points and grabbed nine rebounds as Idaho held on to beat Northern Arizona 84-80 on Saturday night.
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Markelle Fultz did not get his triple-double. Little else needs to be said about Washington's 92-58 drubbing of Northern Arizona on Sunday night.
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The easy part is over.
Sat., Jan. 2, 2016
Big Sky men's basketball: Montana State tops Northern Arizona in overtime
Tyler Hall scored five of his 16 points in overtime to help Montana State rally for a 73-72 victory over Northern Arizona.
UPDATED: Sat., Nov. 14, 2015
Viont'e Daniels' debut memorable in Cougars' win over Lumberjacks
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Privacy Policy
How do we protect your personal data
Protecting your privacy while processing your personal data is an important matter for us. Therefore, we have prepared this document for you, stating the basic principles of personal data processing. We encourage you to read this document, and we believe it also ensures your personal data will be processed to the necessary extent, securely and professionally.
In the personal data protection area, the European Parliament and the Council of the European Union Regulation 2016/679 of 27 April 2016, on the Protection of Natural Persons with Regard to the Processing of Personal Data and on the Free Movement of Such Data, repealing Directive 95/46/EC (General Data Protection Regulation or "GDPR"), and the relevant provisions of Law No 18/2018 Coll. on Protection of Personal Data and on Amendments and Supplements to Certain Acts (hereinafter referred to as "the Act") is a principle and key document for us.
Kreator, a.s. respects and protects the personal data of the persons concerned, and with whom the company comes into contact. In this document, we provide you with all the information you need to become familiar with what personal data we collect, for what purposes we process them, with whom we share them, what rights you have and how you can contact us for further questions about the processing of personal data.
If any change is made regarding personal data processing, we will inform you about it by updating this document published on our website. For this reason, we recommend that you regularly visit our website and learn about the updated Privacy Policy.
Information about us:
Kreator, a.s.
Registered Seat: Leškova 5, 811 04 Bratislava
Registration Number: 47 258 802
Company registered in the Commercial Register of the Bratislava I District Court, Section: Sro, Insert No: 6234/B
E-mail: email@example.com
Phone: +421 2 5249 7250
What is personal data and why do we process it
With regard to GDPR, the term "personal data" shall mean any information relating to an identified or identifiable natural person. An identifiable natural person can be identified directly or indirectly, in particular by the reference to an identifier, such as name, identification number, location data, online identifier, or by reference to one or more features that are specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.
We process personal data only to the extent necessary and just to achieve a particular purpose of processing. This purpose is always defined before the actual acquisition of personal data, and this legitimate purpose could not be achieved without such processing of personal data.
Legal basis for processing of personal data:
We process your personal data based on the following legal basis:
- Article 6 GDPR, 1 (a) – Consent – your consent is required to fulfill a particular purpose. The consent shall be given through a clear manifestation of the will, which is a free, specific, informative and unambiguous expression of your consent to the processing of personal data relating to you.
- Article 6 GDPR, 1 (b) – Performance of the Contract – processing of personal data is necessary for the performance of a contract in which you are a contractual party concerned, or for taking the steps prior to entering into a contract, on the basis of your request. We also may process your data due to the fulfilment of our obligations following from the contract with our contractual partner, who processes your personal data, and who is the operator of your personal data, under GDPR.
- Article 6 GDPR, 1 (c) – processing is necessary for compliance with a legal obligation. We also may process and archive your personal data on the ground that this obligation arises for us, directly from the law.
- Article 6 GDPR, 1 (f) – Processing of personal data is necessary for the purposes of our legitimate interests. Based on this legal basis, before processing of personal data we always consider whether the processing does not mean an undue interference with your rights. For example, our legitimate interest is the interest in acquiring new professional members in our team, in which we reach to data subjects through their published information on websites that provide business and employment services (e.g. LinkedIn).
Categories of personal data we process:
We can process the following categories of personal data when providing our services and producing our creative solutions:
- Identifying information such as your title, name, surname, date of birth, birth ID number, identity card number
- Contact details such as your permanent address, e-mail address and a phone number
- Data relating to your employment – for example, employee number
- If you are a natural person – an entrepreneur, we can also process your personal data, such as Registration Number, Tax ID, VAT ID, business name and business registered address
- Data on persons acting on behalf of the statutory representatives, board members, entrusted or empowered persons
- Video recordings
- Photo
- Data related to the use of our website, such as cookies
- Data on IP address allocation
- Data from publicly accessible sources, such as data on social media networks (e.g. your profile on Facebook and Instagram) or data posted by you on websites or mobile applications that provide business and employment services (e.g. LinkedIn).
To whom we disclose personal data
In some cases, we need to forward the personal data you have provided to us to other entities. We assure you that we forward your personal data only in necessary cases, and to the extent necessary. We would like to inform you that the categories of recipients may vary due to the particular purpose of processing of personal data.
Recipients/Categories of recipients of personal data:
- Eligible persons within our company – persons who have access to personal data are bound by a duty of professional confidentiality, and this obligation remains also after they have finished cooperating with us
- Our contractors – based on our instructions, your personal data are processed by our contractors /e.g. Wiktor Leo Burnett,s.r.o., Registered address: Leškova 5, 811 04 Bratislava, Registration number: 31 334 938, company registered in the Commercial Register of the Bratislava I District Court, Section: Sro, Insert number: 3707/B, E-mail: firstname.lastname@example.com; STARMEDIA Co., s.r.o., Registered address: Lečkova 5, 811 04 Bratislava, Registration number: 35 729 317, company registered in the Commercial Register of the Bratislava I District Court, Section: Sro, Insert number: 15693/B, E-mail: firstname.lastname@example.com; LEOPARD PRODUCTION, s.r.o., Registered address: Sreznevského 3, 831 03 Bratislava, Registration number: 44 387 407, company registered in the Commercial Register of the Bratislava I District Court, Section: Sro, Insert number: 54642/B, E-mail: email@example.com; digita.sk, s. r. o., Registered address: Leškova 5, 811 04 Bratislava, Registration number: 45 347 883, company registered in the Commercial Register of the Bratislava I District Court, Section: Sro, Insert number: 62937/B, E-mail: email@example.com; SOCIALISTS, s. r. o., Registered address: Leškova 5, 811 04 Bratislava, Registration number: 45 845 182, company registered in the Commercial Register of the Bratislava I District Court, Section: Sro, Insert number: 67599/B, e-mail: email@example.com/, Data Science, s.r.o, Registered address: Leškova 5, 811 04 Bratislava, Registration number: 50 461 001, company registered in the Commercial Register of the Bratislava I District Court, Section: Sro, Insert number: 113581/B, E-mail: email@example.com/, to the extent necessary for the particular purpose and the contractors are required to process personal data under the same conditions as the operator. We assure you that in the selection of our contractual partners, we have followed the terms of GDPR and Law. We have mandated a contractual partner with processing of personal data, who provides us with sufficient security, technical, organizational and staffing measures that ensure the protection of the rights of the data subject
- Our contractors – based on the instructions of the operator who we, as the intermediary party, have contracted on processing of personal data, may process your personal data to the extent necessary for the purpose given
- To fulfil our obligations under the laws and requirements of national or other authorities, we also disclose your personal data to law enforcement authorities, courts, bailiffs, etc.
Purposes of personal data processing:
We always obtain personal data from you for a specific, predetermined purpose. Since the range of our services are wide, we collect personal information for a variety of purposes. For example, these purposes include:
- Providing our services – the data we collect from you to be able to deliver our services, i.e. we conclude various types of contracts with you, for example, a Copyright Contract, Contract with Extras, Contract of Work, etc. – the provision of personal data is a contractual requirement, or requirement which is necessary for the conclusion of the contract. In case you would refuse to provide us with your personal data, it will not be possible to enforce these contracts
- Invoicing – personal data are processed for the purpose of issuing invoices and for the purposes of receiving and recording payments or claims – the provision of personal data is a legal requirement, in this case
- Communicating with you
- Direct marketing
- Sending invitations to the event – we process your data for the purpose of sending you an invitation to the event
- Confirmation of participation in the event – we collect your data in case of verification of your participation in the event
- Provision of accommodation during the event – in case you are interested in arranging the accommodation at the event, we collect your personal data for this purpose
- Winning competitions – we process your data in the event of your participation in a winning competition
- Adrenaline activities – we process your data when you are participating in an adrenaline-based activity that we organize
- Promotion activity/Presentation – your data is collected when you participate in a promo activity or presentation
- Recruitment campaign
- Purposes arising from the contracts with our partners
Personal data retention period:
In general, personal data will be processed by our company only for the necessary period and always for the period specified by applicable law. The duration of the retention of personal data depends on the purpose for which we process the personal data.
The personal data provided to us for the purposes of fulfilling the contract with you as the person concerned, shall be kept for the entire duration period of the contract and, after the end of the contractual relationship, to the expiry of any limitation periods regarding the rights and obligations relating to the customer contract, otherwise, it shall always be kept for 15 years from the end of the contractual relationship. When the person concerned exercises any claim against us, or, in case of the initiation of judicial, administrative or other procedures relating to the contract or service provided under it, we shall, in order to protect our legitimate interests, process the necessary personal data of the person concerned to the full and final settlement of all the claims in question, or to the final decision ending the procedures, and the expiry of the limitation period to the enforcement of the relevant final decision achieved in that procedure.
If the processing of personal data is based on granting of your consent, we process your personal data until your appeal, e.g. personal data obtained for marketing purposes or through cookies, we process for the entire duration of this consent for marketing purposes / or consent to the use of cookies.
Transfer to third countries:
We do not transfer your data to third countries. Our contractors whom we cooperate with, and to whom we provide personal data (as described above), also do not transfer personal data to third countries.
We care about the safety of your data, and we treat this only in accordance with applicable regulations, including GDPR and the Law. We put emphasis on safety and technical, organizational and personnel security of the data processed.
We store personal data in electronic form in databases and systems that we protect against any damage, destruction, loss or other misuse. Only the persons who need to dispose of personal data with regard to the purpose of processing personal data, can access them. We regularly review and improve the safety quality of personal data.
We use cookies on our website. Cookies are small text files that are stored in the browser's memory and contain data about a website visit. These files are anonymous and contain data such as the language, browser, and other settings when viewing the page. Some cookies are sent by your browser to us to analyze website traffic.
The Cookies that your browser sends to us serve to analyse the information flow, personalizing the service, contents, and advertising, measuring the effectiveness of the promotion, and supporting the trust and safety. This data is anonymous, aggregated and does not harm your device. We use Google Analytics tools for analysis.
By clicking on the particular "I agree" checkbox, displayed to the user on our website, you consent to the use of cookies.
You can change your cookie settings within your Internet browser. By removing or disabling cookies, you will be able to visit our website, but some functions may not work correctly.
Your rights relating to Privacy Policy:
As a person concerned, you have the following rights in connection with the protection of personal data:
Right to access to personal data: you have the right to request the confirmation of whether or not personal data about you are processed and, if that is the case, you have the right to access this personal data. You will be provided with a copy of the personal data processed. Any additional copies you request may be charged at a reasonable fee corresponding to the administrative costs.
Right to rectification: you have the right to correct the incorrect personal data relating to you without undue delay. Regarding the purposes of processing, the person concerned has the right to complete the incomplete personal data, also through the provision of an additional declaration.
Right to delete (right to "be forgotten"): you have the right to have your personal data erased and stopped being processed if any of the following reasons is fulfilled:
- your personal data are no longer necessary in respect of the purposes for which it was obtained or otherwise processed
- if you have revoked your consent or have objected to the processing of personal data relating to you
- if the processing of your personal data is not in accordance with the Privacy Act for other reasons.
Right to restrict the processing: you have the right to restrict processing in respect of one of the following cases:
- you are challenged by the accuracy of personal data, during a period allowing us to verify the accuracy of personal data
- the processing is unlawful, and you decide that instead of asking to delete personal data, you will require to limit their processing
- we no longer need your personal data for processing purposes, but you need them to demonstrate, enforce or defend legal claims.
If you have reached a limitation in processing, we will inform you before the limitation of processing is cancelled.
Right to transfer: in case the processing of personal data is carried out by automated means, you have the option of obtaining personal data relating to you and which you have provided to us, in a structured, commonly used and machine-readable, interoperable format. You also have the right to ask us to transfer your personal data to the operator you choose.
In this context, we inform you that in this case, we are not responsible for how you will process your personal data or, how it will be processed by the company that receives the personal data. Data portability does not automatically lead to deletion of data from our systems and, it does not affect the original retention period that applies to the data transferred.
Right to object: you have the right to object at any time on grounds relating to your specific situation against the processing of personal data relating to you.
Right to revoke consent (if relevant): you have the right to revoke your consent at any time, without prejudice to the lawfulness of the processing based on the consent granted prior to its appeal.
Right to lodge a complaint with the supervisory authority: when you believe that we process your personal data in contrary of applicable law, you have the right to lodge a complaint with a state authority exercising the supervision of the protection of personal data. This is the Office for Personal Data Protection of the Slovak Republic, Odborárske námestie č. 3, 817 60 Bratislava 15, The Slovak Republic.
You can claim your above listed rights by writing an email message to the Kreator, a.s., Leškova 5, 811 04 Bratislava, or to the relevant contractual partner with whom you communicate on the basis of the above purposes, and you state the"Privacy Policy" in the subject line.
Contact us:
If you have any questions or comments regarding the processing of personal data, please send us an email to: email@example.com or call us at + 421 2 5249 7250.


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Chances are you know someone who drives an SUV. Well, most likely several someones. The body style is incredibly popular thanks to its high riding position, utility, efficiency, and safety. For customers looking into getting a new SUV or crossover SUV, they won't find themselves bereft of choices. Every automaker has at least one SUV in their lineup, usually two, sometimes three or more. Trying to find the vehicles that matches your lifestyle and needs can be an overlong affair due to the sheer amount of choice.
In order to help, we've compared two of the most popular crossover SUVs on the market today: the 2020 Toyota RAV4 XLE and the 2020 Subaru Forester Premium. Here's what we learned.
2.5L-inline 4-cyl
2.4L-inline 4-cyl
203 hp / 184 ft-lbs
Horsepower / Torque
182 hp / 176 ft-lbs
FWD or AWD
8-speed shiftable automatic
28 / 35 / 30 mpg
Fuel Economy
26 / 33 / 29 mpg
On paper, the Forester and RAV4 have similar fuel economy. However, to get good EPA estimates, models are often driven as close to perfect as possible, which doesn't reflect actual driving. The RAV4 stuck to its numbers, even surpassing them at points. Unfortunately, due in large part to its blasé engine, we found that the Forester mpg suffered consistently in real world situations, as the engine's general unwillingness required a heavy foot for throttle control.
The RAV4 engine is modest, but capable. While you most certainly won't be winning any races in it, the RAV4 will get you where you need to go efficiently, and the drive will be engaging. We can't say the same for the Forester, however. The engine is gutless, with little response or feedback during acceleration. When paired with the sluggish CVT transmission, the Forester is a chore to drive most of the time.
Come experience the RAV4 for yourself.


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Updated: Details on Loan Forgiveness Under the Paycheck Protection ProgramMay 19, 2020 – Alerts
The potential for loan forgiveness is a pillar of the Paycheck Protection Program (PPP). Businesses receiving PPP loans must clearly understand the program's loan forgiveness requirements, as well as its restrictions on a borrower's use of proceeds. This article summarizes the current loan forgiveness requirements and provides a hypothetical example to help illustrate how they could work in practice.
UPDATE: On May 15, 2020, the SBA released its Loan Forgiveness Application and accompanying instructions. We expect the Small Business Administration (SBA) to publish additional guidance on loan forgiveness, and legislative changes to the PPP remain possible. For now, this article has been updated to reflect the guidance in the Application.
Use of PPP Loan Proceeds
Under the Coronavirus Aid, Relief, and Economic Security (CARES) Act, borrowers may use PPP loan proceeds to pay any of the following:
- "Payroll costs," a defined term that includes all of the following:
- salaries and wages (capped at $100,000 on an annualized basis for each employee) [UPDATE: The Application clarifies that payroll costs may include not more than eight weeks of 2019 compensation for an owner-employer or self-employed individual/general partner, capped at $15,385 per individual];
- payments for vacation, parental, family, medical or sick leave;
- severance payments;
- payments required for the provision of group health care benefits, including insurance premiums;
- retirement benefits; and
- state and local taxes assessed on the compensation of employees.
- Interest (but not including any prepayment or payment of principal) on any debt or mortgage obligations (whether for real property or personal property) that existed prior to Feb. 15, 2020.
- Rent arising under a lease agreement (whether for real property or personal property) in force before Feb. 15, 2020. [UPDATE: The Application clarifies that this applies to both real property and personal property leases].
- Utility payments (including electricity, gas, water, transportation, telephone or internet access) for which service began before Feb. 15, 2020.
The statute itself does not require any specific allocation of proceeds. However, the SBA's Interim Rule (and all subsequent SBA guidance) requires borrowers to spend at least 75% of the loan on "payroll costs," as defined above. The borrower is responsible for documenting use of proceeds for payroll costs in order to determine the amount of forgiveness. If a borrower uses loan proceeds for unauthorized purposes, the borrower will be required to repay those amounts and could be subject to additional charges from the SBA for knowing violations or misappropriations. If a shareholder, member or partner uses PPP funds for unauthorized purposes, the SBA may have direct recourse against such shareholder, member or partner for the unauthorized use.
Loan Forgiveness, Generally
A borrower may seek loan forgiveness by submitting the Application to its lender. The Application provides detailed instructions concerning the documentation that the borrower must submit and maintain to support its forgiveness request. To assess eligibility, the lender will evaluate the borrower's use of proceeds during the eight-week period following the loan's origination. This eight-week period is also known as the "covered period."
UPDATE: The Application allows borrowers with a biweekly (or more frequent) payroll to select an "Alternative Payroll Covered Period" for payroll costs only. This is optional and for administrative convenience. The period begins on the first day of the borrower's first payroll period after the loan's disbursement and continues for eight weeks after that date. Borrowers who elect to use the Alternative Payroll Covered Period must apply the Alternative Payroll Covered Period wherever there is a reference to such period in the Application. All references to the "covered period" in this article are intended to include the Alternative Payroll Covered Period, where applicable.
Decrease Based Upon Reduction in Full-Time Equivalent Employees
Loan forgiveness may be reduced if the average number of full-time equivalent employees is reduced when compared to a chosen reference period. This reduction in loan forgiveness (if any) is calculated by multiplying the amount of loan forgiveness by a fraction. The numerator of the fraction is the borrower's average number of full-time equivalent employees during the eight-week covered period. The denominator of the fraction is either:
- (a) the borrower's average number of full-time equivalent employees between Feb. 15, 2019 and June 20, 2019
- (b) the borrower's average number of full-time equivalent employees between Jan. 1, 2020 and Feb. 29, 2020
Most borrowers can choose either (a) or (b) (presumably, whichever is lower). If the borrower is deemed a "seasonal employer" by the SBA, it also has the option to choose any consecutive 12-week period between May 1, 2019 and Sept. 15, 2019.
UPDATE: The Application clarifies that "average full-time equivalent (FTE) employees" should be calculated on a weekly basis based upon a 40-hour workweek. In the alternative, borrowers may simplify the calculation by treating all employees who work 40 hours or more per week as 1 FTE and all employees who work less than 40 hours per week as 0.5 FTE.
Decrease Based Upon Salary Reduction
The amount of loan forgiveness is also reduced if employees who made less than $100,000 in annualized wages in 2019 receive a reduction in pay of more than 25% during the covered period.
UPDATE: The process for calculating the salary reductions is outlined in detail in the PPP Schedule A Worksheet attached to the Application. The worksheet compares each employee's salary/wages during the covered period to the employee's salary/wages between Jan. 1, 2020 and March 31, 2020. The worksheet provides detailed instructions for calculating any forgiveness reduction depending on whether the employee is a salaried or hourly employee. The below hypothetical provides additional information on this calculation.
Rehiring Employees or Restoring Wages
Reductions in employment or salary that occur between Feb. 15, 2020 and April 26, 2020 can be "cured" and will not reduce the amount of loan forgiveness if, by June 30, 2020, the borrower eliminates the reduction in employees or the reduction in wages, as applicable. There is no requirement that the borrower rehire the same employees; restoring the average number of full-time equivalent employees is sufficient. For purposes of rehiring employees, the Application clarifies that the borrower must restore its FTE employee levels to the borrower's pay period that included Feb.15, 2020.
UPDATE: Confirming recent guidance, the Application clarifies that if a terminated employee rejects a good faith, written offer from the borrower to rehire the employee at the same salary and for the same number of hours, loan forgiveness will not be reduced with respect to that employee, provided that the borrower has documented the offer and the employee's rejection of the offer. In addition, the Application states that employees who, during the covered period, (a) were fired for cause, (b) voluntarily resigned or (c) voluntarily requested and received a reduction of their hours, will not reduce the borrower's loan forgiveness.
Reduction for Failing to Meet 75% Payroll Cost Requirement
UPDATE: A borrower must spend 75% of the loan forgiveness amount on payroll costs. The Application explains how the SBA will enforce this requirement. Specifically, it clarifies that the requirement is not an "all or nothing" calculation, and the borrower is eligible for loan forgiveness on the payroll costs it actually spends during the covered period. However, the total amount eligible for forgiveness may not exceed the total amount spent on payroll costs during the covered period, divided by 0.75. As shown in the example below, this can decrease the total amount eligible for forgiveness, including forgiveness for amounts the borrower spends on non-payroll covered expenses.
How Does This Work in Practice?
To illustrate how the loan forgiveness works in practice, let's use a hypothetical example.
Company A is a non-seasonal employer whose business is significantly affected by COVID-19. As a result, Company A terminates the employment of 50 full-time equivalent employees on April 1, 2020. Later, on May 1, 2020, Company A borrows $1 million through the PPP. Company A has an average of 150 full-time equivalent employees between May 1 and June 27 (i.e., the eight-week "covered period"), as compared to (a) the average of 250 full-time equivalent employees it had between Feb. 15, 2019 and June 20, 2019 and (b) the average of 200 full-time equivalent employees it had between Jan. 1, 2020 and Feb. 29, 2020. For now, assume that Company A did not reduce the pay of any of its employees. Also, assume the borrower spent the required $750,000 on payroll costs, with the remaining $250,000 going toward non-payroll covered expenses (mortgage interest, rent payments and business utilities).
In this hypothetical (and with all other things being equal), Company A is eligible for loan forgiveness in the amount of $750,000. Company A would elect option (b) as its "denominator," and the $1 million would be multiplied by a fraction of 150/200 (i.e., 75%). The remaining $250,000 must be paid back by Company A under the terms of the loan (i.e., at 1% interest over a two-year term).
Now, adjust the hypothetical to assume that on April 1, 2020, Company A also reduced the annual salaries of 10 employees from $60,000 per year to $30,000 per year. Assume all 10 employees earned an annualized salary of less than $100,000 in 2019. Since this is more than a 25% reduction in annual salary from the amount earned during the first quarter of 2020, the borrower must complete the portion of the Schedule A Worksheet titled "Salary/Hourly Wage Reduction." The loan forgiveness amount is further reduced by the amount in excess of the 25% salary reduction for each employee. If the borrower follows the worksheet instructions, the applicable annual reduction is $15,000 for each employee. This is multiplied by eight (8), and then divided by 52, to get an annualized figure of $2,307.69 per employee, or $23,076.90 for the 10 employees in the aggregate). All other things equal, the $1 million forgiveness amount would be reduced to $976,923.10. Based on the above FTE reduction, Company A's forgiveness amount is 75% of this figure, or $732,692.33.
Now, assume that on June 1, Company A elects to rehire all the full-time equivalent employees it terminated on April 1, and rescinds the salary reductions referenced above. All other things being equal, as a result of the action taken by Company A on June 1, the entire $1 million loan is eligible for loan forgiveness.
Finally, assume Company A took all of the same steps above, including the June 1 rehires and salary restorations. However, because of its reduced headcount during the covered period, Company A could only spend $600,000 on payroll costs (instead of the required $750,000). Assume Company A spent the remaining $250,000 on non-payroll covered expenses. The total amount eligible for forgiveness would ordinarily be $850,000. However, on these facts, Company A's forgiveness amount is reduced to $800,000 (i.e., the $600,000 in payroll costs divided by 0.75). Company A's failure to meet the 75% payroll cost requirement reduces the amount it can spend on non-payroll covered expenses from $250,000 to $200,000.
Michael J. Meehan is a partner in Fox Rothschild's Corporate Department. He can be reached at [email protected].
For other updates and recent developments, refer to Fox Rothschild's Coronavirus Response Resource Center.


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Conservation of our natural world has never been so important; in fact, the environmental journalist John Vidal called biodiversity loss a "crisis even bigger than climate change." Thirty-one percent of the world's sharks and rays are threatened with extinction according to the International Union for Conservation of Nature (IUCN). These declines led to an interest in their conservation and sustainable management and one of the ways scientists and conservationists are coming together to protect sharks and marine biodiversity is through marine protected areas. Known better by their acronym, MPA, they are like the national parks we have on land in that human activities are strictly regulated than the surrounding area (or in this case, waters). These places are given special protections for natural or historic marine resources by local, state, territorial, native, regional, or national authorities. "MPAs are designed and designated to protect marine species and biodiversity, to safeguard and rebuild ecosystems, help populations recover and increase their resilience, and aid with the mitigation of human impacts such as fishing and the exploitation of other marine resources. This is often achieved by restricting access to these areas, again much like in national parks where some areas are off-limits to visitors as not to disturb wildlife," explained Kristina Boerder, the lead author of a new paper on how to improve spatial protection for large pelagic fishes. She explained how spatial protection alone is insufficient to protecting animals and should be integrated with effective fisheries management to protect and rebuild stocks of highly migratory species.
Afterall, just like national parks, these marine areas do not have walls to keep from going in and out of the protected zone. Just like how national parks can be expansive, MPAs are as well and monitoring them is a big task. "Monitoring and enforcement over large ocean areas is challenging, but modern technology provides some powerful solutions. Satellite monitoring is increasingly being used to monitor the activity of ships in and around MPAs, such as tracking devices like the Automatic Identification System (AIS) or the Vessel Monitoring System (VMS). Further new technologies include the detection of lights on boats at night from satellites as well as high resolution imagery and radar."
Sharks have important ecological, evolutionary, and socioeconomic roles and the consequences of their population declines and increases on social and ecological systems are not well studied. Some scientists and organizations, like PEW, believe that marine protected areas and/or shark sanctuaries are the best tools in our arsenal to help protect shark populations worldwide. Many people wonder if these marine protected areas are the same as 'shark sanctuaries,' and Angelo Villagomez a senior officer with the Pew Bertarelli Ocean Legacy, says they should not be confused. "The MPA standards set by the International Union for Conservation of Nature do not allow for a "shark sanctuary" to count as an MPA. Marine protected areas are a more holistic approach to ocean conservation – they are designed to protect everything from sharks to groupers to lobsters, whereas the shark sanctuaries are mostly about reducing shark mortality. Simply put, a shark sanctuary is a country that bans shark fishing. Shark sanctuaries are zero quota fisheries measures to stop directed shark fishing and reduce bycatch, while allowing for other types of fishing in a country's waters," Villagomez explained. He has worked on marine protected area and shark sanctuary designations since 2007 and has helped to designate some of the world's largest MPAs and shark sanctuaries in both the Caribbean and Pacific.
Most countries have had the policies these shark sanctuaries have for several decades now but for other animals, such as the more popular turtles or whales. According to Villagomez, the idea that we should protect sharks has only really gained traction in the last decade. In fact, the first shark sanctuary was created in 2009 when Palau designated their national waters as a shark sanctuary. Countries like the Cook Islands, Cayman Islands, Dominican Republic, and the Bahamas have followed suit to become shark sanctuaries and today around 17 of these sanctuaries have been created worldwide, spreading across 19.4 million square kilometers (7.5 million square miles). The PEW website says this is an area larger than South America.
Adds Villagomez: "For comparison [between MPAs and shark sanctuaries], consider the Papahanaumokuakea Marine National Monument in Hawaii and the Marshall Islands Shark Sanctuary, which are roughly the same size. The Marshall Islands allows significant purse seine and longline tuna fishing in their waters – it is the major source of revenue for their country. Fishing boats are not allowed to target sharks, but when they do catch sharks as 'bycatch' they must return them to the ocean immediately. Some of these 'bycatch' sharks will ultimately die, so even with 100% compliance, the model is not perfect. Compare this to Hawaii, where the marine protected area restricts all commercial fishing, with allowances for very small scale non-commercial and recreational fishing. Both models should have some benefit to sharks, but more research is needed."
Not only is more research needed but continued education and awareness that these protected areas exist. "Education and awareness are key. In 2021 we are entering the United Nation's Decade of Ocean, centering around the vital importance of our global ocean to the wellbeing of our planet," commented Boerder. "Better understanding of our major impacts on ocean health such as climate change, pollution, and unsustainable fishing are first steps: reducing one's own CO2 footprint, avoiding pollution such as single use plastics, and choosing sustainable fish and seafood products, are a good start. And, if possible, spending some time at and in the ocean to explore the many wonders along the shore and beneath the waves, maybe even visiting a marine protected area nearby to learn more about why they are so important and to support their creation in the future."
While close to 15% of global ocean area is now under some form of targeted spatial management, we shouldn't just stop there. Villagomez agreed, further explaining that the IUCN recommends we strongly protect 30% of every ocean habitat by 2030. "[This] means we need nearly a tenfold increase in marine protected coverage in the next decade. Under the right conditions, well managed and enforced marine protected areas have the potential to improve populations of everything from corals to whale sharks. [Boerder's] study helps identify some of those conditions for highly migratory species, and the hope is that countries will use this information in their management of existing, but also new protected areas."
Known as the "Mother of Sharks," I'm a Latina marine biologist who has a lot of labels: science communicator, conservationist, author, educator, podcaster, television…
Known as the "Mother of Sharks," I'm a Latina marine biologist who has a lot of labels: science communicator, conservationist, author, educator, podcaster, television presenter. You might have seen me on Discovery Channel's Shark Week, National Geographic, BBC Wildlife, heard my TEDx talk or read my Scholastic books.
I write about sharks, the diverse people who work with them, and why both matter. As founder of The Fins United Initiative, a program that teaches audiences shark conservation and education, I find it vital that we learn to co-exist with these oceanic predators. That's why I do all that I do, and why my PhD (and outreach) revolves around human-shark interactions.
Tips or story ideas? Reach out- I don't bite!


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CLEAR FORK, WV (WVNS) — A Wyoming County man is behind bars on sexual assault charges.
Deputies with the Wyoming County Sheriff's Department arrested Robert Edward Dennis, of Clear Folk, WV on January 20, 2020.
Dennis is charged with first degree Sexual Assault. His bond was set at $50,000. Dennis is in the Southern Regional Jail.


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Hi, im really new to Panda so forgive me for asking weird questions.
Is it possible to transfer files using bluetooth to an USB flash drive on the fez panda??
And is it possible to access the flash drive straight from windows explorer?
btw im using a serial bluetooth connection.
Thank you