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$10k to $80k
based on $30,000 loan amount for 5 years
- No ongoing fees
- No early repayment fees
- Can apply online
- Redraw facility available
- Application fee charged
- Limited to new cars
- Requires security to be held
- Cannot apply in branch
New Car
Missed Payment Penalty
Used Car
Redraw Activation Fee
Repayment Type
Loan Type
Upfront Fee
Secured By Vehicle
Early Exit Penalty Fee
Available to 457 Visa Holders
Borrowing range
$10k - $80k
Redraw Facility
Total repayments
Extra Repayments
Ongoing Fee
Car age up to 3 years old.
Compare and review car loans with similar features
Endeavour Mutual Bank is a community-based banking organisation that offers its members across NSW a full range of accounts, home loans, investment, insurance, financial planning and lending products to fulfil your every financial need. Endeavour Mutual Bank has been operating since the mid-20th century, primarily services members in the Sydney and Newcastle/Hunter regions of NSW, and changed its name from Select Encompass Credit Union in February 2018.
Popular car loans searches
Being a student is tough enough, and while you might find the odd student discount on movies and technology, the same can't be said about car loans, as you can't really get a discounted student car loan.
Lenders make money on the interest and fees that they charge with loans, and the lowest interest and fees are given to the most reliable credit holders: people with excellent credit history.
As a student, you are unlikely to have enough on your credit report to warrant an excellent history. There are however, ways of getting a lower interest car loan if you can't get an interest-free loan from the bank of mum and dad. One way of doing this may be through getting a guarantor car loan, which can get you a secured car loan by setting your parents up as guarantors.
An unsecured car loan is a loan that is not connected to a form of security, or collateral. Not all lenders provide unsecured car loans – and if they do, they generally charge higher interest rates for their unsecured car loans than their secured car loans.
There are four different ways you can get a car loan. You can go straight to a lender. You can get a finance broker to organise a car loan for you. You can get 'dealer finance' – which is when the car dealer organises a car loan for you. Or you can organise your own car loan through a comparison website, like RateCity.
Whichever method you choose, you will need to provide proof of identification, proof of income and proof of savings. So you may be asked for any combination of passport, driver's licence, bank statements, payslips, tax returns and utility bills. You might also be asked to provide proof of insurance.
Lenders that provide bad credit car loans tend to be smaller challenger lenders rather than the bigger banks.
Bad credit car loans are a niche product. The bigger banks tend to focus on mainstream car loan finance for borrowers with better credit histories. That's why smaller lenders tend to be the ones that provide bad credit car loans.
Bad credit car loans can have high interest rates and fees, so it's important to compare options before submitting an application.
Yes, some banks will be willing to provide guarantor loans, including Commonwealth Bank, NAB, Westpac and ANZ, though the terms for signing up to a banker-issued guarantor car loan may not necessarily be as good as another lender.
You should keep in mind though that these larger banks, because of their monopoly of the market, tend to have higher interest rates than the smaller lenders.
In comparison, smaller loan companies and credit unions tend to be more competitive in their battle for your business. There are plenty of lenders willing to lend to people with bad credit or no credit history who have willing guarantors.
There are multiple lenders who are willing to provide loans secured by guarantors.
If someone is willing to go guarantor for you and they meet the requirements set out by lenders, you can apply for guarantor finance online, over the phone, or in person.
Some banks also provide guarantor car loans, though because they're larger banks, they may have higher interest rates than smaller lenders.
You may want to compare guarantor car loans at RateCity, and find a guarantor car loan ideal for your purposes.
Student car loans are not a necessarily a product in and of themselves, but what you may be looking for is a guarantor car loan.
A guarantor car loan has a third-party act as a form of guarantee for your loan application, telling the bank or lender that if you default on your loan, someone will pay the loan repayments.
Going guarantor on a car loan is no new thing, and before internet-based credit scores, guarantor car loan applicants would apply for loans with a guarantor or property owner who could vouch for the person borrowing the loan.
To get a guarantor car loan, you'll need someone willing to act as a guarantor for your car loan.
A bad credit car loan is a car loan for borrowers who have 'bad credit' or a bad credit history.
Some lenders refuse to offer bad credit car loans, because they believe there is an excessive risk that bad credit borrowers will not repay their loans. However, other lenders are willing to provide bad credit car loans.
Generally, these lenders charge higher interest rates for bad credit car loans than 'prime' car loans, reflecting the higher level of risk. Bad credit car loans may also have higher fees than prime car loans.
However, the big advantage of a bad credit car loan is that it allows borrowers with bad credit to access finance. Another advantage is that it could help bad credit borrowers improve their credit rating, assuming they make all their repayments on time.
Single mothers can sometimes find that due to their circumstances the bigger banks can be less inclined to lend to them, but there are smaller companies and specialist lenders who can be willing to provide loans to people in a range of circumstances.
Single mothers could benefit from getting in touch with a car finance broker, as a broker is likely to have knowledge and access to options that are suited to their needs.
Advantages to using a broker:
- Finance brokers often don't charge for their services as they work on a commission basis from lenders.
- Brokers will have industry knowledge and contacts within lending companies and is therefore more likely to be able to find the best deal for your circumstances.
- Brokers are qualified professionals who are licensed under the National Consumer Credit Protection Act so have an obligation to follow responsible lending practices and to work in your best interests.
There's no set number. That's because borrowing capacity differs from person to person, as well as lender to lender.
Lenders don't give out car loans unless they're confident they'll be repaid. Each person is different, so the amount of money one person can successfully borrow will differ from another person's number. Also, each lender uses its own formulas to calculate borrowing capacity – so Mr & Mrs Smith might find that while Lender X will give them a car loan for $20,000, Lender Y will offer only $18,000.


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County Report This Week (VIDEO)
Lorna Virgili hosts the latest episode of County Report This Week, which begins with the mental health court initiative in Montgomery County. There are also reports on the Lloyd Welch guilty plea for the abduction and murder of Katherine and Sheila Lyon from Wheaton Plaza in 1975, county flu vaccination clinic schedule, the groundbreaking ceremony for the new Seneca Valley High School, and more.
Watch the show in its entirety below:

subset: commoncrawl


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|Bergstrom Wines
|18215 NE Calkins Lane, Newberg, OR 97132
|All Dates:
Preview Saturday
The weekend before the Thanksgiving Holiday is a traditional favorite for those seeking unique and special offerings. We are featuring a rare opportunity to taste some of our top scoring and most exclusive wines. This special tasting flight includes our 2016 Bergstrom Vineyard Pinot Noir and 2016 Winery Block Pinot Noir, both 94 pts from Wine Spectator Insider, as well as our 2016 Sigrid Chardonnay, which received 95 points from Wine Enthusiast and 94 points from Wine & Spirits. The flight finishes with the 2016 Homage, a blend of Josh's favorite Pinot Noir barrels, usually only poured at our annual Homage Luncheon. Guests will be able view our Holiday Gift Offerings and limited Library Large Formats for purchase. Four complimentary tastings per Bergstrom club membership
Please RSVP by emailing or calling.
Fee: $40
The weekend before the Thanksgiving Holiday is a traditional favorite for those seeking unique and s


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Ensurepass 210-065 Dumps and Practice Questions 2018
by handssn messi (2018-09-03)
This Ensurepass 200-355 Dumps and Practice Questions 2018 does a really nice job truly teaching you wireless from the "ground up". The first quarter or so of the book goes over the physical properties, mathematics, and standards of wireless communication, it starts off in simple 200-355 examples (like shaking a rope) but carefully eases the reader through some logarithms that actually weren't too bad (can easily do it in your head). As a network engineer it was a very enjoyable read.
Other reviews were bashing the 200-355 dumps 2018 for it's effectiveness as an 200-355 exam preparation product. I think that's a little unfair, you should get your knowledge here and your 200-355 dumps preparation from a practice exam as a follow up. If you want to learn wireless the right way from the ground up this is an excellent and inexpensive place to start. As an official 200-355 certification guide one would think it covers the 200-355 exam, but this has to do with Cisco changing their exam creation format to meet ANSI standards. Most books will not align with the exams the way they used to which could be a big shock.. It's certainly inconvenient, but the book overall is an excellent read, just use extra for passing strange 200-355 practice questions.
Had much trouble with the access codes to the 200-355 exam dumps. Had to open up a trouble case before it got fixed in about a week


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The word for today is…
Machiavellian (adj) – 1. Of or relating to Machiavelli or Machiavellianism.
2. Suggestive of or characterised by expediency, deceit, and cunning.
Source : The Free Dictionary
Etymology : Machiavellian is an adjective derived from Machiavelli, the family name of the Florentine diplomat, historian, and political philosopher Niccol? Bernardo Machiavelli (1469?1527). He wrote his most famous work The Prince (Il Principe) in 1513 while in exile from Florence. Machiavellian entered English in the 16th century.
Peter is a fourth-generation New Zealander, with his mother's and father's folks having arrived in New Zealand in the 1870s. He lives in Lower Hutt with his wife, three cats and assorted computers.
His work history has been in the timber, banking and real estate industries, and he's now enjoying retirement. He has been interested in computers for over thirty years and is a strong advocate for free open source software. He is chairman of the SeniorNet Hutt City committee.


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The Lockheed Martin F-35 appears to be overcoming many of the software troubles that have dogged the programme since its inception, but the fighter jet's complexity means that any attempt to squeeze extra capabilities into early software blocks would threaten the wider rollout schedule.
That has been the experience of the US Navy, which asked the joint programme office (JPO) to consider bringing forward delivery of the wide-area search radar function to Block 3F, but then quietly withdrew the request.
"A request was made to investigate expanding the Block 3F radar techniques to include wide-area search, which was not an original requirement for the 3F capability," the F-35 JPO explained in an email.
"Implementing this capability in Block 3F would have incurred a significant schedule impact, and would have also required an integration of a new weapon capability to fully deploy the anti-surface warfare mission improvements. Based on this, the warfighter decided to include it in Block 4.1, which will be delivered in 2019."
The US Navy intends to buy hundreds of carrier-based F-35Cs over the coming decade to replace its legacy F/A-18 Hornets, and is on track to declare initial operational capability with 10 combat-coded jets equipped with Block 3F software in August 2018.
Upon delivery, those aircraft will be capable of finding and tracking ships and other maritime targets using their Northrop Grumman active electronically scanned array (AESA) radars, but with a far narrower field of view than will be possible with the wide-area search function. Wide-area search, also known as "Big SAR," was being considered as a baseline capability for the F-35 as far back as 2007, but did not make the cut when Block 3F was defined.
The radar capability's "deferral" was disclosed in a software development report sent by the Pentagon to US lawmakers in June.
The DOD says in the report that F-35 software development and integration remains a key concern, but the programme "is on the right track and will continue to deliver on the commitments made to the F-35 enterprise" – which includes partner nations and foreign military sale customers . That goes for both the aircraft itself and the troubled Autonomic Logistics Information System (ALIS) that supports it, according to the report.
The report says Block 2B – which the Marine Corps declared IOC with in July – has eight unresolved issues that centre on "sensor fusion, electronic warfare and Link 16 communications," although those problems "do not interfere with the USMC IOC mission sets" and will be resolved in Block 3F – which Lockheed has already begun flight testing.
The US Air Force, meanwhile, has identified six Block 2B software deficiencies that it needs resolved prior to its IOC declaration with the A-model in August 2016. Those aircraft will be fielded with Block 3i software and a faster computer processor.
"The air force requested improvements in the software to provide clear and timely information concerning the health and status of various sensors on the aircraft," the JPO says. "The improved software will inform pilots of immediate degradation of the mission system core computers, the radar processing computers, and the tactical situation display.
"The improvements will also provide clearer indication of the field of regard for the radar, and the prioritization of targets. Computer enhancements will also be made to speed up the download times of post-flight data."
Despite being years behind its original schedule and billions of dollars over budget, the F-35 programme has mostly been meeting its revised targets set in the 2012 re-baselining. The programme is just over 60% of the way through its test programme, and new technical issues could still surface.
But perhaps the biggest programmatic risk at this point is cost. The annual funding requirement is expected to peak at $14 billion in 2022, according to the US Government Accountability Office, and the services plan to spend $54 billion buying 339 aircraft through 2019.
The Pentagon is currently re-assessing its F-35 requirement of 2,443 aircraft, and the navy is considering reducing the number of F-35Cs it will buy each year.
Source: FlightGlobal.com


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Last year Ari Aster debuted with the horror film Hereditary, with resounding box office success and acceptance by the specialized press. In fact, it has been listed in numerous publications among the favorites of 2018 and accumulated a dozen recognitions.
After such a successful debut, Extreme Job will debut in August 2019 Midsommar.
The title of the film, also of the horror genre, is in Swedish and means "summer solstice". The story also written by Aster follows Christina (Jack Reynor) and Dani (Florence Pugh), a couple who travels to Sweden to visit the rural hometown of some friends and which is famous for its festival dedicated to this time during the summer. What they had planned as an idyllic vacation is becoming an increasingly violent and bizarre competition on behalf of a pagan cult.
The theme brings back a cult as the central axis that determines the lives of its protagonists, No manches Frida 2 as happened in an exceptional way in Hereditary (read review of The Devil's Legacy). After what Aster showed with his opera prima, many of his fans ask for more of those rituals that are part of the ancestral culture and are rethought in modern times.
The first known poster describes its synopsis quite well and provokes nervous laughter with that combination between a couple, holidays, spring colors and the end of the road where we see a cross and a group of women dancing around it with robes.
Aster has said that Midsommar is a Apollo 11 film of "scandinavian folk horror and apocalyptic rupture". The poster has been accompanied by a series of animated images where characters are seen in special tunics, with candles and blindfolds. In another we see those women on the poster, closer, dancing around a May cross. All this material was shared on Twitter by A24, the producer and distributor of the film.
Views: 2066
Director: Ari Aster
Actors: Anna Åström, Florence Pugh, Jack Reynor, Julia Ragnarsson, Liv Mjönes, Will Poulter, William Jackson Harper
Country: USA
Duration: N/A
Release: 2019
IMDb: N/A


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San Francisco Mayor Ed Lee died unexpectedly early Tuesday, leaving the office of the mayor to be filled by Board of Supervisors President and native San Franciscan London Breed.
Breed will serve as the city's acting mayor, according to the city's charter, but the board has the opportunity to meet and select an interim mayor if they decide to.
"[Breed] has all the powers and responsibilities that come with the office," San Francisco City Attorney Dennis Herrera said. "She will have all of those duties until such time as the board of supervisors votes on a successor should they chose to do so, although they are not required to do so."
Regardless, an election will take place on June 5, 2018, according to Herrera. The elected mayor will finish out Lee's unexpired term and serve until Jan. 8, 2020.
Breed, who was first elected to the San Francisco Board of Supervisors in 2012, had been representing District 5, which includes the Western Addition, Hayes Valley, Japantown, Cole Valley and Inner Sunset neighborhoods. Nearly three years ago, Breed was elected to serve as president of the board.
During the November 2016 election, Breed was re-elected to be District 5's supervisor, and she was unanimously re-elected to be board president two months later.
Much of her attention since becoming board president has been focused on housing, clean energy and transportation, to name a few.
Breed grew up in the Western Addition neighborhood before enrolling at the University of California, Davis where she earned a bachelor's degree in political science-public service and minored in African American studies, according to the city. Breed then earned her master's degree in public administration at the University of San Francisco.


text: First of all I would like to say thank you for finally showing us a trailer for RCTW. I know you guys do work hard and game development is not easy. I will say I am still excited for rctw and the trailer was decent but I wish it was all game and not a mix of realistic and real game, it was throwing me off, but after a few views what I took away was lots of improvements over rct3 little smoother and better lighting an graphic upgrade not alot but still good (minus shadows where missing). As much as I would love a realistic rct I respect that Atari and developers want to keep there own unique style of there game. I do hope that the final game is better with smoothness like the screenshots that we received. I know you can not update us on every break though you make on the game but there is so much hate going on, on these threads that if a few concerns were address it would calm down. Again I thank you for what you were able to give us at this time. I know I have gotten pissy on here due to the lack of communication but I am somewhat Satisfied with what we have received today. But I would not complain if you gave us more!! :) While I don't think this is final, but rather older footage I can't say that its a deal breaker. As long as the main fundamentals of RCT still exists in this game and the coaster designer is fully upgraded I will be satisfied. Keep up the good work guy.


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Cube 37 - Cube Gallery
3 - 26 September
Silent Auction Night: Friday 11 September, 6pm-8pm
Adults $12, U16 $7 Tickets available at the door.
Monday - Friday 9am-5pm, Saturday 10am-4pm
Based on the Mornington Peninsula, For Kids, By Kids is an organisation operated by young people specifically promoting the importance of positive youth mental health.
4KBK aims to raise awareness and funds for people under 25 living with mental health issues.
Our aim as an organization is to make the connection between young people and help. Often people feel intimidated or scared to reach out and seek help, even when it is urgently needed. For Kids, By Kids operate as a referral body to encourage young people living with mental health issues to speak up with confidence, without being embarrassed or ashamed.
As well as helping to make a connection between young people and help, For Kids, By Kids financially support Youth Mental Health Services by raising money throughout the year - 100% of our profits are donated to providing services form young people to access. In the past we have donated to organizations such as Headspace, Steppingstones Foundation, Youth BeyondBlue, REACH and Suicide Prevention Australia.
The organization specifically uses 'The Arts' as an avenue to connect with young people.
It can be hard for young people to articulate confusing emotions through words – the arts are a great method for people to express emotion, lease tension and give people insight.
Founded in 2011, For Kids By Kids have received over $30,000 in monetary donations and hundreds of artworks and creative pieces from young and professional artists, we have provided stages for young musicians to perform on and much more!
To send a link to a friend or colleague, simply fill in and submit the form below


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Both in and out session, I have witnessed some of the most obscene, ornate, loud and grandest displays of behaviour from the clients I work with, and also from colleagues alike who are therapists themselves. I have come to understand that untoward behaviour is real term in mental health – and depending on our tolerance and acceptance of certain extreme behaviours – we can be sensitive or just simply disapprove of these outrageous displays.
One such example is centre staging, which isn't just about the magnitude and lengths gone through by the person exhibiting the display to create a circus of drama and hysteria around him. Instead, the most difficult aspect of centre staging to target as a therapist is the seductive pull and mystique about gazing upon such outrageous behaviour from our clients or colleagues.
These displays are traditionally rooted in creating one giant emotional and behavioural maelstrom for what can be, a number of purposes, all maladaptive. Indeed, centre staging can create countertransference for workers and peers who find themselves trapped in within the lives of their patients, and in one great turn of irony, finding themselves front and centre in the turbulent life of their clients where the object of his madness is your playground and you must be the client's ultimate saviour.
I am reminded of one patient who moved into an adult home after living independently for her entire adult life, even while symptomatic. All the sudden the client's mental status was in complete free-fall, and she began perseveration over her ongoing capacity to perform even the most basic of ADLs (activities of daily living) and maintain liveable conditions in her flat she had been living for most of her adult life.
Clearly at this point, myself and our treatment team were scrambling to figure out how someone could have decompensated so quickly and lose all hope in the process? As our team began to answer these questions, we realised we already in the seductive pull of a borderline and histrionic diagnosable patient in full blown psychiatric crisis.
When we discover ourselves being at centre stage in our client's life, working harder at introspection and self-reflection, the countertransference can and will build on the therapist. Now, this client began to experience further free fall and consigned to move into an adult home and receive round-the-clock care such as help toileting, meal preparation, transportation to doctors visits in the surrounding community, and an in-house case manager assigned from the building.
The impulse of borderline patient who has histrionic traits to self-sabotage goes deep; it can be extremely confusing for the patient experiencing the symptom, and even more beguiling, profoundly amotivational for someone with a long history of loss and relapse. For the borderline patient now ready to loss it all for 'one last' opportunity for attention, sympathy and guilt, this patient decided our team wasn't helping her because we let 'this' happen, and it was our fault as providers fallout to allow this patient to make persistently bad decisions, and put maladaptive reasoning put into action.
I have met also PTSD diagnosed chronically homeless people who would become very symptomatic, loss everything over and over again, and then experience a spike in his PTSD symptoms from the retraumatiation. For a person treating the displays and emotional outbursts, it can be very hard to separate out the extreme nature of some client's self-destruction during a break, episode, or momentary bad turn in their path to recovery. Some clients can be very, very loud, and so agitated that it becomes not only dangerous to be in close proximity for both parties, but may become a physical risk, potential legal risk if one party needs to press charges on the person whom lost behavioural control. To tease out when this is the case, or when just supportive listening and maintaining an open stance in engagement is the most beneficial in creating the best outcome for the patient in treatment.
So, in these cases, what works? How do you treat chaos and inconsolable behaviour? The trick is, you don't. In cases like these, listening, some re-direction, and disputing irrational cognitive distortions as they surface in the dialogue is the best you are going to do unless you unlock the mystery to solving the puzzle with no clear answer. Rolling with the resistance as best as possible, without accumulating too much countertransference, will go a long way in the patient feeling heard and listened to when they were in crisis. You may not have solved their problem, as it is usually extremely complex, and there is no long-term solution aside from not being too reactive and triggering to the client feeling out-of-control.
Hopefully, you the clinician feel in control of the situation, because clients can sense and are in touch when clinicians are afraid of their clients and feeling like they've lost control of the intervention. Modelling self-control, and providing some verbal self-assurance may be just what's needed in the moment.
Maxwell Guttman teaches social work at Fordham University. He is also a mental health correspondent for Psychreg where he shares his insights on recovery and healing based from his lived experience of schizophrenia – a journey which started as an undergraduate student at Binghamton University. His diagnosis of schizophrenia wasn't formally recognised until he was admitted to the state hospital in upstate New York. On his spare time, Max blogs on self-management at Mental Health Affairs. You can connect with Max on Twitter @maxwellguttman
Psychreg is not responsible for the contents of external websites. Psychreg is mainly for information purposes only. Never disregard professional psychological or medical advice, nor delay in seeking professional advice or treatment because of something you have read on this website. We run a directory of mental health service providers.
We publish differing views. The views and opinions expressed are those of the authors and do not necessarily reflect the position of Psychreg and its correspondents. Any content provided by our authors are of their opinion and are not intended to malign any individual or organisation. You're welcome to write for us.
Read our full disclaimer.


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Surface Accelerator & Retarder
Low Shrinkage Accelerator
SmartSet is a low shrinkage accelerator for concrete or mortar, which acts as a catalyst and produce high early strength concrete.
SmartSet reduces the water cement ratio, increases durability and improves workability.
More Info
- High strength concrete patches
- Hard wearing toppings
- Dry pack mortar
- Fast setting grout
- Provides high early and ultimate strength
- Earlier removing of formwork
- Reduces cracking by minimizing shrinkage
Concrete Surface Retarder
SmartCSR is a chemical formulation which retards, but does not "kill" the set of the mortar at the surface of the concrete. It contains organic agents which react with the calcium, magnesium and aluminate ions of the cement to slow the curing cycle and thus allow the surface mortar to remain workable for a longer period of time. It is used to create expose aggregate surface architecturally, and to roughen the concrete surface at horizontal joints and improve bonding of the concrete.
SmartCSR is available in 2 grades :
- SmartCSR S : Surface grade, for application on fresh and horizontal concrete surfaces
- SmartCSR F : Formwork grade, for direct application on forms
More Info
Concrete Surface Retarders are used to create exposed aggregate surfaces on pre-cast panels or slabs for architectural beauty, to roughen concrete walls for improved bonding of waterproofing or plastering and to expose walkways, curbs and roadway surfaces for both architectural and slip resistant purposes.
- Safe to use
- Easy to apply
- Works quickly and effectively
- Provides up to 7 mm depth retardation
- Reduces cost for preparing the surface for water-proofing, stucco or plaster applications
- Eliminates the need for sandblasting


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I have been born in the wrong time, and if such a means is available I will freeze myself ASAP and wake up in the future I was meant to be in.
And yes, I'm totally serious. So if anybody knows of any risky cryofreezing ventures that need volunteers please direct them my way.


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Wednesday, 16 July 2008
Potty Time
I hope this doesn't offend anyone, but I had to take this photo of Oliver. Without taking his eyes off the television, he moved his potty up against the couch (he has to place it in the same spot every time!). He also has to hold his shirt up around his armpits - why, I have no idea! I think he sat here for 5 minutes and when he got up, he had a red ring around his bottom from the seat!! ROFLOL. Like father like son!
Here he is watching the television!
1 comment:
- Nicole & Phil said...
like Father loke Son?
please don't put a photo of Rob up here in the same position! ;)
- 2 September 2008 at 5:05 pm
Subscribe to: Post Comments (Atom)


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We have noticed that there still seems to be a fair bit of misunderstanding among those new to ETFs. While the structure of ETF's is different than you may be used to -- it is really not that complex.
Ignoring leveraged and inverse ETFs --- the vast majority of ETF assets are plain vanilla index funds --- they are not derivatives.
Some people think that since ETFs are only representing shares -- and that they aren't actually the underlying securities--- this therefore makes an ETF a derivative. But this is simply not true. The ETF holds the actual shares it represents just as when you buy a mutual fund, you don't get the shares delievered to you --- you get mutual fund shares that represent the underlying securities. Clearly everyone should understand that mutual funds are not derivatives. They are classified by the S.E.C. as investment funds --- which is how the S.E.C. categorizes ETF's as well.
In fact, you could argue ETFs are less of a derivative than a mutual fund as in the ETF process, actual shares are passed for any creation/redemption. This is not true when buying a mutual fund. If you send $2,000,000 to a mutual fund, they create shares for your purchase -- but they do not necessarily buy anything with that money --- it could just sit in cash, it depends on the decision of the portfolio managers. During this process, no exchange is necessarily involved. You can send your money directly to a mutual fund company and no exchange would ever know the difference. There were some scandals on this topic in the early 2000's that you may remember regarding late-trading and manipulation --- this was only possible because there was little transparency of this off-exchange activity.
To better understand how simple this really is, below is an image of the basic mechanics. Note that in reality there are actually custodians, index information providers, authorized participants and market makers involved ---- but those are all peripheral considerations.
Note also that because the shares are created behind the scenes and the shares traded are on an exchange, this opens up a few new markets. Now you can sell ETFs short and/or you can trade options on these exchange products. Neither of these are possible when the creation occurs directly to the investor. Even if you never sell short or trade options, this activity is actually good for you --- as all this incremental trading volume created by options participants allows the ETF provider to cycle out lower-cost shares in the tax-free exchange between the exchange and the ETF provider. You can see in the diagram above how this is only possible because the exchange sits BETWEEN you and the fund provider.
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Screenshot of ability to combine multiple ETF portfolios into a single list on the ETF screener. This example takes a list of 25 commodity ETN's (tracking the underlying commodity) and combines this list with 25 commodity stock ETF's. You can combine as many lists as you would like and/or 'Select All.'
ETF Screener
Owning small companies is a classic strategy that is implemented not to reduce risk – but to enhance overall portfolio return. The argument goes that small cap companies are generally more dynamic than large cap companies --- with greater growth rates and generally in less mature sectors.
The story you don't hear as often is that small cap companies can also be quite fragile. With the higher growth-rates also comes higher execution risks. Thus, small cap investing is an information-intensive business. Hedge funds and large institutions have dramatically better resources to gain an information edge. However, there is a catch-22 for the investment manager --- success in small cap investing bloats your asset base and then you can no longer be nimble enough to take advantage of your information edge.
Small cap indexes are higher beta (more aggressive) strategies by their nature. You don't need to buy leveraged funds (ie the 2x and 3x funds) that suffer from very significant structural flaws --- instead of such funds, if you want to express more aggressive views, you can do so simply with more aggressive, unlevered strategies. One such is small cap. Think of small cap not as 'your permanent strategy' --- but one of many return-enhancing strategies at your disposal.
I find this idea of international small cap investing quite intriguing. It has simply not been possible to do this kind of thing in the past (at reasonable cost and with such precision). These ETFs for the most part are not very liquid yet --- and many of these are brand new. But this is one of 50+ examples of the TYPES of things that ETFs are essentially inventing: ways for the advisor and sophisticated individuals to pursue ultra low-cost strategies that 1) don't require stock-picking and yet 2) offer the ability to add significant value over a core allocation.
ETFreplay does not provide investment advice. All content of this blog refers to past relationships.
Some links to published research on various forms of relative strength concepts. The concept is over a century old. (I am not aware of any studies that involve ETFs directly -- let us know if you know of one).
http://pages.stern.nyu.edu/~lpederse/papers/TimeSeriesMomentum.pdf http://www.cambriainvestments.com/research/ http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1363476 Copy-paste URL into browser. http://www.aqr.com/Download.aspx?link_id=4
Abstract from paper #1 above 'Time Series Momentum':
"We document significant "time series momentum" in equity index, currency, commodity,
and bond futures for each of the 58 liquid instruments we consider. We find persistence
in returns for 1 to 12 months that partially reverses over longer horizons, consistent with
sentiment theories of initial under-reaction and delayed over-reaction. A diversified
portfolio of time series momentum strategies across all asset classes delivers substantial
abnormal returns with little exposure to standard asset pricing factors, and performs best
during extreme markets. We show that the returns to time series momentum are closely
linked to the trading activities of speculators and hedgers, where speculators appear to
profit from it at the expense of hedgers. "
Charles Schwab recently published some summary statistics on their accounts. They said that while 90% of accounts own individual stocks – just 15% of accounts hold ETFs. So while many people may have been using ETFs for many years now – using Schwab as a proxy, about 85% of people still need some introduction to ETFs.
There are 3 basics schools of thought on active management in general:
1) Those that think it's impossible
2) Those that think it's easy
3) Those that think it's a challenge -- but rewarding
For those that think passive management is the way to go, your job is still not over. You will still need to figure out an asset allocation. "Just buy index funds" actually doesn't get you far --- there are over 1000 ETFs that follow various indexes and there is no single answer to what exactly constitutes a passive strategy. I can't imagine there exists a professionally trained investment advisor who advises putting 100% of money into a S&P 500 index -- but I guess never say never. So absent that, there are still allocation decisions to be made about stocks vs bonds -- as well as the mix of international stocks and how much to include in alternatives like REITs & Precious Metals. These are all classic passive indexing discussion points.
For those that think like #2 above – that active management is easy, this crowd is likely just plain dangerous. They simply 'don't know what they don't know.'
The third group acknowledges the challenge and comes at the issue with some humility. We sit firmly in the 3rd camp. It takes some analysis and testing and hard work to do well in investing. You don't need to just come up with ideas – you need an investment PROCESS. That is, some type of structured approach.
So let's introduce the core-satellite approach. It's excellent for its flexibility in balancing return & risk. Here is a visual that Blackrock has used for this:
Source: Blackrock
What makes this framework really powerful is that you can pursue more aggressive strategies --- but still rein in the overall risk of a portfolio. You can stay within your specific risk tolerance but still buy/overweight some attractive (but perhaps more-volatile) segments. Or perhaps you are an advisor and your clients have different risk appetites. You can use your same ideas across these different accounts but just change the allocations between the conservative core and the more aggressive satellite strategies to more precisely target the appropriate risk-budget.
A typical investor thought might be --- I like the idea of investing in Emerging Asia – but how do I do it? How do I think about the risk involved in the short-run if and when some problem emanates out of South Korea or India or China?
So for a very basic start, let's mix the core idea of completely passive-indexing with just 1 or 2 actual ideas. In this example, rather than invest in just the benchmark S&P 500, we will invest 80% in the S&P 500 and 10% in each of two other market segments --- Real Estate Investment Trusts and Gold. Below is a look from our free Backtest Portfolio Allocations App to observe how this portfolio looks Year-To-Date (total return):
Note the 3 percentage point pick-up in performance this year for some pretty simple 'tilts'. Importantly, note also that there has been some diversification benefit (reduction in volatility). Other than returns being better, the core-satellite portfolio went down less over the summer. So it went down less and yet has added 3%. Your tilts added significant value here. Not bad for a start. But we can do better.
If you are a registered user on the site – whether you registered 8 months ago or yesterday – you may have noticed you had 1 starter portfolio we created called 'Sample Portfolio.' Rather than use REIT's and GLD as our satellite strategies, what if we instead used this sample portfolio top relative strength pick as 20% of the portfolio. Here is that example using our new TAA Application (for members)
Notice that the result here is +14.8% return with even more diversification benefit (it went down even less during the summer correction). Remember, it is 80% S&P 500 in the first place so this is actually an excellent result. Standalone, this 'sample portfolio' that we created in the Spring time has had a banner year --- see for yourself within the portfolio backtest app.
As you will see when using the TAA application – and as we will discuss in upcoming blogs, you can change the percentage allocations from the core to the satellite and back to the core and see how it affects the overall results -- not just in returns but in 'smoothing out the ride' with lower volatility. This is the very essence of TAA.
All of this is just a start for those who are new to ETFs. We have many more options available in this core-satellite framework. A more conservative investor – perhaps older and less willing to take even average risk --- could start with a bond-only core portfolio and then add equities as satellite strategies. Or we could start with a more diversified core (say mixing REITS & Gold & Junk Bonds in the core) and then add country or sector funds in the satellite(s). These and other ideas will be future blog topics.
Volatility is a tough topic to get your hands around. But one key idea is to think in terms of drawdowns -- in general, the higher the volatility the higher the drawdown. What does this mean? It doesn't mean that volatility is just bad --- it means that with funds like the Russia Fund (RSX) or Brazil (EWZ) or Financial stocks (XLF), your TIMING is more important than with something like a consumer staples ETF (XLP) or an investment grade bond fund (CIU). Since we've posted this many times this year, it's time to take a look at some actual hard data through the first 11 months of 2010.
The chart below compares the known volatility exiting 2009 with the subsequent drawdown in 2010. We think this shows the basic idea pretty well. Its certainly not going to be exact --- but in general, it makes sense. So we can think about this from a higher level to help us. If our portfolio were 100% long Brazil (EWZ) all year, then the portfolio value would have moved down -24.7% off its high at one point. You didn't 'lose' -24.7% vs your starting cost --- but you did lose a big % off the high. A goal in portfolio management is to smooth out the ride a bit.
Note here that this is just one 11-month period of data. The concept is solid -- but the future will be different. The S&P 500 had a -15.6% drawdown during this particular period. Less volatile ETFs all had lower drawdowns. A few on this list that had significantly higher volatilities had lower drawdowns --- but not by much. This is for concept and its relative. If the S&P 500 has a larger drawdown next year, then expect these numbers to all be bigger when we do this again next year.


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September 30th - Riverbank Arts Centre, Newbridge, Co.Kildare.
Come and see what happens when we let your toddlers loose in our gallery.
The Riverbank Arts Centre
October 1st - Dunleek library
Athboy library
October 2nd - Dunboyne library
Dunshaughlin library - Co.Meath
October 8th - Carrigallen library (St. Mary's N.S) - Co.Leitrim
October 15th - Dalkey library
October 16th - Kilkee library
Kilrush library
October 17th - Sixmilebridge library
Ennis library - Co.Clare
October 23rd - Drumshanbo library - Co.Leitrim
I still have a few dates free but please book asap. Thank you. Sadie :-)


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SCHLETTER Klip Top Cross Connector Kit
This product is available to be shipped or picked up at the following locations:
- Sydney NSW
- Fremantle WA
- Geebung QLD
- Melbourne VIC
Schletter are a leading global manufacturer in producing innovative light metal products and state of the art solar (Photovoltaic and thermal) mounting structures and sustainable products from aluminium and high-grade steel. With over 40 years of experience, schletter is North America's leading provider of solar mounting systems for utility-scale PV plants, residential and commercial PV installations, and PV carports. Schletter has been constantly evolving and has become a recognised supplier of viable products in the areas of solar and environmental technology as well as customised solutions. Complete product development including design, construction, packing and logistics all come straight from the production site in Kirchdorf / Haag in Upper Bavaria.
Product: SCHLETTER Klip Top Cross Connector Kit


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GFI has announced the release of GFI MailEssentials for Exchange/SMTP 10. This new version of GFI's popular server-based anti-spam solution allows network users to blacklist or whitelist senders via public folders, and enables administrators to tune the Bayesian filter more easily. Version 10 also includes mail archiving to SQL Server, permitting companies to comply with government regulations more easily. It also functions as a list server, making it simple for companies to maintain and distribute company news.
"Version 10 beefs up the anti-spam features on offer: We've made the Bayesian filter easier to train, empowered users to easily whitelist or blacklist senders and added new spam checks," said Nick Galea, GFI CEO. "In addition, with version 10, we are taking GFI MailEssentials beyond 'just' anti-spam: We have added a powerful archiving feature, better reporting and a new list server feature. More than ever, GFI MailEssentials is a must-have companion to Exchange Server."
Allows users to whitelist or blacklist via public folders
GFI MailEssentials 10 now allows users to whitelist or blacklist senders simply by dragging and dropping the appropriate mail to a public folder. This gives users more control without having to involve the administrator. Administrators, however, can control access to this feature through the use of Public Folder security.
The GFI MailEssentials automatic whitelist management tool automatically adds mail recipients to a user's whitelist, thus reducing false positives. In version 10, whitelists can also be built based on domain names, email addresses and keywords.
GFI MailEssentials configuration
Easy tuning of the Bayesian engine via public folders
Similarly, administrators can easily tune the product's Bayesian engine by dragging and dropping spam or ham to the appropriate public folder. GFI MailEssentials learns from the spam and ham that it collects from these folders, thereby improving its spam detection rate.
Reports on spam filtering and mail usage
Version 10's new database-driven reporting engine allows administrators to create advanced reports on how much spam the product filtered and the rules that caught most spam, as well as reports on user, domain and mail server usage.
Mail archiving to an SQL database
GFI MailEssentials can archive all inbound and outbound mail to a Microsoft SQL Server database. Administrators can search for a particular mail, or for an entire email thread, via the included web interface. Mail archiving is essential for backup and search reasons, but also to comply with new regulations such as the Sarbanes-Oxly act, which specify that all email correspondence must be archived.
List server for newsletter lists and discussion lists
GFI MailEssentials 10 includes list server functionality. A list server is the best method for distributing company newsletters since it automates the process to subscribe and unsubscribe (required by anti-spam regulations). So far, list servers have been expensive and difficult to administer, and did not integrate with Exchange Server. The GFI MailEssentials list server changes all this as it is competitively priced and integrates with Exchange. It can use Microsoft Access or Microsoft SQL Server as the backend and supports both newsletter lists and discussion lists.
Other anti-spam features
As part of its multiple-layer approach against spam, GFI MailEssentials intelligently analyzes email headers and identifies spam based on message field information. It detects forged headers, spam mutation, spam sent from invalid domains, and more. It also enables administrators to configure keywords to check for spam using keyword checking.
About GFI MailEssentials for Exchange/SMTP
GFI MailEssentials offers spam protection at server level and eliminates the need to install and update anti-spam software on each desktop. It offers a fast set-up and a high spam detection rate using Bayesian analysis and other methods - no configuration required, very low false positives through its automatic whitelist, and the ability to automatically adapt to the email environment to constantly tune and improve spam detection. Pricing is highly competitive, with a 50-user version costing just US$495, for example. GFI MailEssentials 10 can be purchased in a bundle with GFI MailSecurity, GFI's email content security product, at pricing starting at US$450 for 10 mailboxes. More information about GFI MailEssentials and a trial version are available at: http://www.gfi.com/mes/.
About GFI
GFI is a leading software developer that provides a single source for network administrators to address their network security, content security and messaging needs. With award-winning technology, an aggressive pricing strategy and a strong focus on small-to-medium sized businesses, GFI is able to satisfy the need for business continuity and productivity encountered by organizations on a global scale. GFI has offices in the US, Malta, UK, Hong Kong and Australia which support more than 200,000 installations worldwide. GFI is a channel-focused company with over 10,000 partners worldwide. GFI is a Microsoft Gold Certified Partner. More information about GFI can be found at http://www.gfi.com.


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Curated Jobs
We'll match your talent profile with exclusive jobs at top-tier companies. Make your next opportunity count and accelerate your career.
Exclusive Events
Attend member-exclusive events and informal meetups to discover new insights and build your professional network.
Global Community
Join a top-talent community with over 9500 members spread across 72 countries. Wherever you find yourself in the world, you'll always be able to meet with like-minded people and build connections.
Companies Unveiled
We'll connect you to some of the world's most attractive companies. You'll get face-to-face access to their management and teams, build professional relationships, and discover new opportunities.
Connect with highly experienced Novas both online and offline. Share your experiences and help each other grow professionally and personally.
New Perspectives
Meet driven and passionate professionals and students from a wide range of industries and backgrounds. Whether for business or friendship, you'll gain new perspectives on life.
Novas showcase values of openness, curiosity, passion, commitment, and genuineness. When you apply, we'll do a holistic assessment of your profile to determine your fit for the network. Being a Nova is free of charge, but to remain in the network you are expected to engage with other Novas and organizations.
Novas' interests
Novas' educational backgrounds


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Theresa Holland-Schmid, an English and History teacher at Kingston High School, has been named the 2016 Regional Teacher of theYear for the Olympic Education Service District. Holland-Schmid was one of nine teachers in the state selected as finalists for the Washington State Teacher of the Year. The finalists were recognized at a ceremony yesterday the EMP Museum in Seattle.
"We are extremely proud of Theresa," said Superintendent Patty Page. "Her compassion for her students and their learning is apparent in many ways, but specifically in this nomination. She is representing North Kitsap's amazing staff well."
Holland-Schmid has worked in education for over 20 years, and has taught at both the Spectrum Alternative Program, and Kingston High School. She has been known for both her high standards and her flexibility in how students meet standards. Students are greeted at the door to her classroom with a famous quote from Socrates: "An unexamined life is not worth living." This quote sets the tone for an exciting journey for her students through history and culture.
OESD Superintendent Greg Lynch and the North Kitsap School Board honored Theresa Holland-Schmid at the NKSD School Board Meeting on Thursday, September 24, 2015.


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When it comes to privacy policies, it's better to be safe than sorry. With the passing of GDPR laws, even the smallest businesses become susceptible to huge fines that could bankrupt their business. And if your business is registered as a sole proprietorship, it could bankrupt you.
This privacy policy template was created with you in mind. In addition to being GDPR compliant, it clearly outlines your business' stance on data privacy and protects you from the mishaps that an ambiguous privacy policy can cause. With fines as high as £500,000 (between $750,000 and $800,000 USD), an iron-clad privacy policy template is more than just a page on your website. It's an investment in your future.
What does this template include?
- What data you collect
- How you collect information from website visitors
- How you use your website visitor's information
- How website visitor's information is shared
- Who your website visitor's information is shared with
- Cookie policy
- California privacy rights (if you don't have a privacy policy, it can cost you up to $2,500)
- GDPR (European Union) privacy rights
- And more…
Who is this for?
- Anyone who has an email list
- Anyone who has a website that collects cookies
- Anyone who has clients/customers in California or the European Union
- Anyone that sells products or services
Note: Once you have completed your template, it is a good idea to have another attorney review your contract because every state has different contract laws. USA citizens should use this template.
Disclaimer: This template is not legal advice and is for educational purposes. This template nor does the information in this template form an attorney-client relationship.
Refund policy: There is a 5-day money back guarantee, if you are unsatisfied for any reason. After 5 days, there are no refunds.


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The Complete Office Refurbishment Solution
Expert office refurbishments from a team with the skills and qualifications to provide a complete job with market leading telecoms and security
Over many years of company expansion and development our services have grown from providing a specialist portion of interior commercial refurbishments to offering a comprehensive refurbishment service project managed and carried through by our team.
Specialising in offices based throughout Kent and the South East we can install everything from the structural basics like partitions to the very latest communications, security and other mechanical and electrical services systems.
Experts in all areas of electrical contracting
With a background in electronic communication and security our team can provide detailed expertise in a range of electrical installations areas such as air conditioning design, maintenance and installation
Structural layouts and refurbishment building
We employ a team of skilled tradesmen with experience throughout the commercial refurbishment sector to carry out all aspects of builds including partition, flooring, suspended ceilings and painting and decorating. Working closely with our electrical team to accommodate cabling and other installations our approach ultimately saves time and reduces costs.
Office furniture supplies
If you are investing in a great looking interior it makes sense to give your office furniture a rethink as well. New designs are constantly coming onto the market offering enhanced practicality or modern aesthetics that can make a strong visual statement and enhance the working environment.
We provide a comprehensively project managed approach to office refurbishments, taking time to consult with you and understand your requirements, contact us today for more information.
Office Telephone Systems
Cat5 / Cat6 Installation
Least Cost Routing
Voice Call Processing
ISDN Voice / Data Networking
Office Call Management
Recent Projects


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Langley | British Columbia
Smoking Regulation Bylaw, 2009, No. 2792
Smoking is prohibited in transit shelters, on or within 3m of bar and restaurant patios (customer service areas), or within 3m of entranceways, windows and air intakes. Definition of smoking is broad and includes hookah pipes and other lighted smoking equipment that burns tobacco. Update: According to the Langley Council minutes of 3 March 2014, the proposed bylaw was defeated and sent back to staff for further research on the issue of a smoking ban in higher profile parks only, including an educational component about smoking in trail areas. Staff has also been asked to determine where to place designated smoking areas in parks.
Products IncludedCigarettes, Cigars, Pipes, Waterpipes
"Smoke" or "Smoking" means burn or carry a lighted cigarette, cigar, pipe, hookah pipe or other lighted smoking equipment that burns tobacco.
Places Smoking ProhibitedDoorways, air intakes, operable windows
Patios - Restaurants and Bars
Transit Shelters/Stops
Waterpipes (outdoors)
Buffer ZonesDoorways, Air Intakes and Operable Windows - Buffer Zone 1-10 m
Patios - Buffer Zone 1-10 m
Policy Analysis
This is considered leading edge because its definition of smoking includes waterpipes. Furthermore, smoking is prohibited within 3m of patios and within 3 m of entranceways, windows and air intakes. However, 3 m is not a great enough distance to prevent the smoke from entering the building, creating a nuisance or health hazard for people entering and exiting. At least 7 m is recommended based on outdoor SHS scientific research. Langley is currently considering the use of designated smoking areas in parks, which are not recommended.
Date Passed: July 19, 2010
Date in Force: July 1, 2010
Date Last Amended:
Leading Edge: Yes
Level of Government: Municipal
Smoke-free Ontario Act Status: Exceeds Smoke-free Ontario Act
Bylaw Under Development? No
Supporting Information
Please find contact information related to this bylaw, and links to supporting materials.
Contact: firstname.lastname@example.com or 604-514-2800


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Chiltern Street continues to develop as a prime shopping destination in London; you can't miss it if you have you have an interest in independent shops who are so different from the big chain stores. One legend on the street is John Simons.
John Simons introduced the American Ivy League style to London in 1964. While "preppy" or "Ivy League" style had been well developed in the USA for many years previously, it took John Simons to properly bring it to the UK – and the London Mods loved it.
Button down shirt collars, knee length trench coats, penny loafer moccasins... these are just some of the go-to styles because they are the both comfortable thing yet stylish. And they are never out of style.
Many men are only looking for comfortable luxury and that need is fulfilled by Ivy League Style and perhaps it always will.


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QMSU Be Kind to Your Mind campaign
30 November 2017
QMSU has launched their Be Kind to Your Mind campaign to highlight how your mind is one of your most important resources. The campaign will run throughout the year and will provide you tools and tips to keep healthy and active. The downloadable Be Kind to Your Mind booklet is available here.


text: I am struggling with my almost 8 month old anxious pup, Poppy's issues. I couldn't think of a better tag line for this post, but essentially I am feeling pretty much at a loss and out of my league. The constant preoccupation with her is draining and stressful. Poppy has been with us since 8 weeks, and I purposefully attended to her socialization from the beginning. She was scared of everything as a pup. We did a puppy class with her and after that had a private trainer for a couple of months. In the end the trainer recommended trying SSRI drugs for her. I considered that option but decided not to go that route for now. The past few days have broke a pattern of some improvement (i have been keeping a journal the past few weeks so I can be clearer on good and bad days). I would describe Poppy as super alert, wary, nervous, hyper, over friendly. She loves other dogs and people. Her favourite place is the vets or a friends house. The vet is so surprised that Poppy is anxious because she acts so fine in that environment. She's crate trained and does not have separation anxiety. She loves to play in the house and seems pretty smart with training. For exercise I have been on most days getting her to the car and we drive to a trail where she is able to walk on a long line with a halter. I have to really coax her out of the house and into the car. She wont walk in the neighbourhood on the road, and i havent been able to work on loose leash walking due to her other issues. She wont take high value treats outside when under duress. The big issue is that she is so nervous of the environment. Leaving the house to go outside often is a huge challenge. She slinks out , retreats, is spooked by tree branches, sounds, mist on field.... you name it. I am exhausted by her anxiety. For me this is a huge disappointment as the benefit for me of having a dog is lots of walking. We live in a rural environment close to a host of walking trails and that is one reason for me to have a dog. The prospect of having a dog that doesn't want to walk is depressing at the moment. This morning I spooked her trying to get her to leave the garage to go out for a poo. I was so disappointed with her backsliding on this , as the past few weeks she was doing so much better, and I was trying to grab her collar to get a lead on. I realized I was getting too frustrated and stopped. Sent my daughter out to play ball with her instead. And I came in to write this instead....! Anyhow, I will keep my journal/ record keeping going and hopefully the current regression will be short lived and I'll be able to start recording more positive improvements.


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President launches oxygen converter
14:09, 27 November 2007Ukraine
499 0
In the framework of Alchevsk Works modernization
President Victor Yushchenko took part in oxygen converter launch at OJSC Alchevsk Iron and Steel Works, according to the President`s press-office.
V. Yushchenko solemnly and personally launched the converter from its control console.
After the ceremony President laid a memorable container at the place of future gas power plant construction. It shall be built in the framework of Alchevsk Works modernization in order to improve its power supply system.
If you see a spelling error on our site, select it and press Ctrl+Enter


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Fight Projections & DFS Fighter Picks
UFC Fight Night Night 137 in São Paulo, Brazil takes place September 22, 2018.
Unable to provide weekly picks due to my work schedule I'm back and we are looking at this nice 14 fight card in Sao Paolo Brazil to get back on it. There are 6 fights expected to finish, and there are a couple of dog plays that could help us build our MMA DFS lineups so without any more delay here are the picks…
Santos -150 vs Anders +130
Santos via KO – GPP risk
Proj 80-90+ with a finish
Hedge spot for Anders at $7600
*** I'm still leaning towards a Santos finish but this fight can go either way and Anders could end up catching Santos and finishing him. What worries me in this contest is Anders lack of action exhibited in his previous fights. However in those contest he was the favorite and priced up to win. Here he is the dog play at $7600. Even in a loss if he is not finished you can potentially get a 30+ points score which is an excellent value for the price.
Alex Oliveira -425 vs Pedersoli +360
Oliveira via Sub
Proj 80-100+
Hedge spot Pedersoli – GPP risk proj 30-70 in loss or WBD
Alvey -330 vs Noguera +270
Alvey via KO
Proj 50-70+
Cash / GPP some risk
Barao -125 vs Ewell +105
Ewell via Dec – Cash/GPP some risk – Proj 60+ WBD
*** UPDATE Barao missed weight Ewell will still take the fight, I think this locks him in even more as the best dog pick on the card.***
Markos -115 vs Rodriguez -105
Markos via Dec – Fade spot
Charles Oliveira -370 vs Giagos +310
Oliveira via KO
Proj 70-90
***Hedge play Giagos – I'm not seeing a lot of play for Giagos so I think I'm going to make him my break or make dog play and get more exposure to him while hedging 1 lineup with Charles.
Trinaldo-225 vs Dunham +215
Trinaldo via Dec
Proj 60+ WBD
***Update after looking at some of my previous notes I think I like Trinaldo more and will move him up the rankings.
Sakai -255 vs Sherman
Sakai via KO
Proj 70-90+ in finish or WBD
Moraes -300 vs Saunders +250
Moraes via Dec
Dog or pass / fade spot
*** Still not liking Moraes here so I think I'm going to play Saunders in at least 1 lineup to help roster the top tier fighters.
Bueno Silva +125 vs Robertson -145
Bueno Silva via Dec
Stack fight Robertson via Sub
*** Expecting alot of action here and think you play this one 50/50. Could see a lot of takedowns and advances with one of these fighters getting a finish.
Leites +110 vs Lombard -130
Lombard via Dec – Fade spot
Zaleski Dos Santos -800 vs Vendramini
Zaleski via KO – Cash/ GPP
Proj 70-90+
***UPDATE – The problem I'm having with this fight is Zaleski salary of 9400 which would require a 100+ score to pay value. If this fight isn't finished early Zaleski could end up with a score in the high 80s or 90s. Thats good for cash but not GPP.
Souza -1300 vs Chambers
Souza via Sub
Proj 80-100+
***Highest salary fighter has to score over 110 to hit value IMO. I think I'm going to risk it and limit my exposure here to Souza.
Fights expected to finish
Souza ITD -275
Charles Oliveria ITD -215
Zaleski -185
Alex Oliveira -135
Santos -125
Alvey -125
Upset / Dog pick
Bueno Silva
Anders – risk
Giagos – highs risk
Pedersoli – high risk
Saleski dos Santos $9500 70-100+ score
Alex Oliveira $9300 80-100+ score
Charles Oliveira $9400 70-90+ score
Sakai $8800 70-90 score
Trinaldo $8900 70+ score
Santos $8600 70+ score
Roberson $8300 40-90+ score
Ewell $7700 30-80+ score
Bueno Silva $7900 20-80+ score
Anders $7600 20-70+ score
Pedersoli $6900 30-40+ score
Giagos $6800 – extreme risk 0-70+ score
DraftKings lineup construction
Souza is clearly the best play on the card with an odds favorite of -1400 and a salary of $9600. I will be pivoting from her and either moving to Zaleski for $100 less or Alex Oliveira my preferred play at $9300. Charles Oliveira always has the potential to finish a fight quickly and Vegas expects him to, his salary of $9400 allows another pivot from Souza and Zaleski with the potential to score well. I believe Charles will be popular and in GPP I will pivot some spots from him to either Alex Olveira or pay up for the Zaleski potential highlight reel KO. In some of those lineups that pivot spot from Charles will also lead me to play my boom or bust dog pick of Giagos with his savings salary of $6800.
My preferred plays in this tier are Zaleski dos Santos $9500 and Alex Oliveira $9300.
The next round of fighters finds me totally fading 2 fighters in Sam Alvey and Sergio Moraes at $9200 and $9100. I don't like Alveys low volume counter fighting and would rather pay down for the potential finish from power striker Saki at $8800 or Trinaldo facing a retiring fighter at $8900. The Moraes fade is risky but will push me to play his opponent Saunders with his salary of $7100. After these fighters I'll have some exposure to Santos at $8600 and Robertson at $8300.
My preferred plays here are Saki $8800 and Roberson $8300.
Lastly I'm starting the dog picks with Ewell at $7700 facing former champion Barreo who missed weight and will forfeit 30% of his fight money. There has been some line movement on Ewell and I think this fight should have been closer to pick'em to start. After Ewell I like Bueno Silva at $7900, as stated earlier this one you have to play 50/50 as it could go either way. I do like both Ewell and Bueno Silva over Anders at $7600. I think Anders will be popular so be sure to have some exposure to him especially in cash. One of my GPP lineups has 3 fighters priced over 9k so I'll be taking some shots on either Saunders at $7100, Pedersoli $6900 and the extremely risky Giagos at $6800.
My preferred picks here are Ewell $7700, Bueno Silva $7900 and Anders $7600.
Good Luck and as always you can find me on twitter @Jobus_DFS


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ODOT seeks feedback on proposed improvements to I-70/US 40/SR 331 Interchange in Belmont County
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ODOT seeks feedback on proposed improvements to I-70/US 40/SR 331 Interchange in Belmont County
Impacts to Fox Shannon Park to be minimized
New Philadelphia, Ohio
(Tuesday, June 19, 2012)
The Ohio Department of Transportation (ODOT) District 11 is seeking feedback on proposed improvements to the Interstate 70, U.S. Route 40, and State Route 331 Interchange in Richland Township, Belmont County.
The current interchange and surrounding roadways have numerous safety and functional deficiencies associated with the existing interchange configuration. Over the past year, ODOT has met with project stakeholders and members of the public to review conceptual design alternatives developed for improvements to the interchange. The feedback solicited from the public was used by the Project Management Team to refine the concepts into feasible designs and identify a Preferred Alternative.
Based on the Preferred Alternative design, minor impacts to the Fox Shannon Park will occur during construction. Fox Shannon Park is a recognized Section 4(f) property in accordance with 23 CFR 774.
The use of federal funds subjects the project to the requirements of Section 4(f) of the
Department of Transportation (DOT) Act of 1966.
This law protects publicly owned parks, recreation areas, wildlife and waterfowl refuges as well as public or privately-owned historic sites.
Due to the scope of the project and the presence of a Section 4(f) property, measures to minimize harm have been developed that creates a
de minimis
impact (as defined in 23 CFR 774.17) on the Section 4(f) property (Fox Shannon Park). Applying a
de minimis
determination includes all possible planning to minimize harm by reducing the impacts on the Section 4(f) property. A
de minimis
impact is one that will not adversely affect the features, attributes, or activities qualifying the Section 4(f) property (Fox Shannon Park) for protection.
As part of the project, an old farm fence along the northern property line of the park will be removed. The single lane, gravel access drive into the park will be upgraded to two lanes and paved which also includes the addition of more parking spaces within the Park's parking lot. To allow for construction of the driveway and removal of the fence, approximately 0.73 of an acre of temporary right of way will be acquired along the northern and eastern property boundaries. Additionally, about 0.04 of an acre of permanent right of way will be acquired along the northern property boundary for the construction of a small retaining wall. During construction, access to the park will be maintained.
Please submit any questions and/or comments regarding this project to: ODOT District 11, ATTN: Christopher J. Varcolla, 2201 Reiser Avenue SE, New Philadelphia, Ohio 44663. In order to proceed with the project in a timely manner, all comments/questions must be submitted by July 19, 2012.
Ohio's highways are essential to keeping and creating new jobs. With a mission to provide easy movement of people and goods from place to place, the Ohio Department of Transportation (ODOT) is responsible for maintaining one of the largest transportation networks in the nation. Guided by ethical principles and accountability, ODOT works to improve safety, enhance travel and advance economic development. As a $2.8 billion enterprise, the department wisely invests in its core services of snow and ice removal, annual construction program and highway maintenance operations.
For more information contact:
Becky Giauque \Jee-awg\, Public Information Officer, at (330) 308-3949
or email
The Ohio Department of Transportation
, 1980 West Broad Street, Columbus Ohio 43223
Mike DeWine, Governor
Jack Marchbanks, Ph.D., ODOT Director
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Kabrel's childhood hasn't been as carefree as that of other kids he knows. He lives with a metabolic disorder that affects his daily life and means that he has to think about his health more than most 12 year olds would.
When Make-A-Wish volunteers visited Kabrel to talk about what he might wish for, his fascination with cars was apparent and his choice was clear from the beginning. Kabrel wanted to feel the adrenaline rush of racing down a speedway in a real race car.
On race day, the track was surrounded by enthusiastic fans holding signs and cheering loudly for Kabrel. He was officially welcomed to the track by an honour guard of drivers as he walked to the pits. He learned how to change a tire like a pro and was outfitted in his customized red 'Bad Boy Kabrel' racing suit, helmet, and red shoes. Kabrel climbed into his race car with Erica Thiering, a NASCAR Whelen All American Series Provincial Champion, for his big moment.
Once the green flag was waved, Kabrel and Erica roared around the track, eventually edging ahead of their competition. Kabrel won the race and brought home a special souvenir - a winner's trophy with his name on it!
Kabrel's mom says that his wish was truly special for him, "It was something just for him and he loved it."
Make-A-Wish Northern Alberta was thrilled to grant Kabrel's wish, which marked a special milestone as the 1000th wish granted by the chapter.
When a wish is granted, it does much more than bring joy to a child's heart. For kids like Kabrel, who are faced with critical illnesses, a wish-come-true provides them with strength to battle through darkness and gives them hope for healthier, happier days ahead.
Help transform lives, one wish at a time – donate today.


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China's BYD has opened the "world's biggest auto batteries plant"— as part of a reported multi-billion dollar investment to expand its domestic battery-making capacity to 60 gigawatt-hours within three years.
BYD— which stands for 'build your dreams'— said the six-square-kilometre plant in Qinghai Province— "equivalent in size to around 140 football pitches"— will itself have a 24GWh production capacity when it ramps up to full capacity next year.
The full story is only available in our FREE weekly industry newsletter, so sign-up to get it delivered to your inbox every Monday.


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Several colleagues have just asked me where I'd recommend for a short whisky-related trip – a weekend sort of thing. At first, I was completely down the distillery route; a short, sharp trip to the Lowlands, a longer saunter through Speyside or perhaps a week in Islay. All would deliver something.
But that leaves a thought. How really interested are you in one lyne arm to the next? If you know how whisky is distilled once, do you need to know again? Is much down to the person representing the distillery or your interest in the subject?


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Try some of the more unusual fruit and veg in season this month – and check out the latest healthy products on the shelf.
Also known as gai lan, this Asian cooking staple has thin, pale-green stems, with crisp dark green leaves and small white flowers. Both the stems and the leaves can be eaten and it has a mild, slightly bittersweet flavour and a crisp texture. Chinese broccoli is often steamed whole as a side dish, or chopped and added into stir-fries. It's a good source of vitamin C, fibre, folate, vitamin A and potassium. Look for bunches with budded flowers and bright, fresh-looking leaves and store in the crisper section of your fridge for 3 to 4 days. Wash in cold water prior to use and trim stems and leaves, if necessary. Chinese broccoli is available all year round, so try it in your next stir-fry!
These egg-shaped fruits have smooth, red to brownish-grey skin and yellow, creamy flesh with a sweet, honey and caramel taste. When ripe, sapodillas should have brown skin and give slightly when pressed. They're available all year round and can be eaten fresh – simply cut in half, scoop out flesh and remove seeds. Sapodillas are a great addition to fresh fruit salad, or to cakes and muffins.
This jauntily-named fruit is a hybrid of a plum and an apricot. It has creamy white and red flesh and – you guessed it – a plum-apricot flavour! The fruit's skin has a maroon and yellow dapple as it matures. The flavour is very sweet and intense – even sweeter than both plums and apricots. Dapple Dandy Pluots are available from December to April, so try them now, before their season ends for the year.
This herb is an essential in Asian cooking, and is used in curries, salads, stir-fries and soups. The flavour goes particularly well with chicken and seafood. It has a tangy lemon-like aroma and flavour, which means it can also be used in place of lemon in recipes. Only the white part of lemongrass is eaten. Look for lemongrass that is firm and pale yellow-green with a bit of a bulb at the end. It's available all year round and can be stored, wrapped in plastic, in the crisper section of your fridge for 1 to 2 weeks. To prepare, trim away the green part of the lemongrass stalk then strip away the tougher outer layers. Finely slice the white part for use in cooking. Alternatively, trim the stalk and strip away the tough layers then cut the stalk in half, lengthways. Press on it firmly in order to bruise the lemongrass. Doing this helps the lemongrass's flavour to be infused when added to curries or soups.
Helga's Sandwich Thins: Helga's has released new Sandwich Thins available in wholemeal, soy & linseed and mixed grain. Each thin (2 slices) is equivalent to one slice of bread with 471–493kJ and 1.5–3.2g fibre (depending on the variety).
Sanitarium One Square Meal: Sanitarium's new 'on the go' meal is designed to replace one of your daily meals. One bar provides 1/3 of your daily energy (2900kJ), protein (16.7g), total fat (23.2g), fibre (10g) and 16 different vitamins and minerals. Just don't eat it as a snack!
All-Bran Fibre Toppers: Topping your breakfast with one serve of Fibre Toppers will give you a huge 10g of fibre – more than a third of the recommended daily intake (RDI). There's also only 310kJ and 25% of the RDI for thiamin, riboflavin, niacin, folate and iron.


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ALLENTOWN, PA — Another chapter in the rivalry between the Hershey Bears and Lehigh Valley Phantoms was written Friday night at PPL Center, with the home team using three goals in 2:13 in the second period to come out on top with a 7-2 final.
The game was not always in the Phantoms favor, however, as Hershey mounted early pressure, fueled by two power play chances. The Phantoms killed both off easily, and then took advantage of their late pressure to take the game's first lead. With just 22 seconds left in the opening period, the Phantoms struck off a lucky bounce. Phil Varone came flying into the Hershey zone on a lone rush and dropped a pass for Greg Carey. Carey skated to the far side dot and threw a shot toward the net, and it somehow ended up past Phoenix Copley. Initially, it looked as though Chris Conner had gotten a goal, but further review of the play shows the puck went off a Hershey defender and in.
The Bears would not take long to respond, scoring just 2:54 into the second period to tie the game. A play below the Phantoms goalline saw Zach Sill weave around and get the puck to the point for Tyler Lewington. From the point Lewington threw a shot toward the net, which Garrett Mitchell just happened to get a stick on, deflecting the puck past Alex Lyon to make it 1-1. From there, things started to fall apart for Hershey. The Bears would be outshot 19-3 in the middle frame, with those three Phantoms goals in 2:13 making the difference.
The first, to make it 2-1, came off a net-mouth scramble in the Hershey end. The puck initially started in the near side corner, but the Bears could not clear their zone. The puck pinballed around and eventually ended up in front of the net, where Corban Knight had a few whacks at it with Copley down and out. He could not score, but Tyrell Goulbourne came in to clean up the loose puck, potting it high over the sprawling Bear netminder to make it 2-1 at the 8:21 mark. Then, just 1:38 later, Varone got his third point of the night, and the goal to make it 3-1 Phantoms. Mark Friedman started the play in the Phantoms end, clearing the zone and getting the puck to center ice, where it found Oskar Lindblom. Lindblom then sprung Carey on a breakaway into the Hershey zone, where he deked Copley out of place, beating him to the right side post to tap in Lehigh Valleys third goal. Ending the incredible stretch just 35 seconds later, Corban Knight got his second point of the night, snapping a wrister over Copley's shoulder and off the water bottle behind him to make it 4-1.
Leigh Valley kept their scoring touch going in the third, with Nic Aube-Kubel getting in on the fun. Another odd net mouth scramble led to this one, as bodies and equipment went flying everywhere. Again the puck came out of the far corner to the front of the net, where Danick Martel could not find it, and got dumped for his troubles doing so. In the meantime, the defender who knocked Martel for a loop got caught up with Copley, causing the goalie to lose his blocker. While all of this was transpiring, Aube-Kubel found the puck and roofed it on the backhand to make it 5-1. Hershey countered with some puck luck of their own to get within three though. Lewington got his second point of the game, going cross-ice from point to circle to a streaking Liam O'Brien, who was darting toward the net. O'Brien snapped a shot that Lyon thought he had with his glove, but in reality, the puck bounced off the orange, white, and black catching mitt and into the net.
Sensing a chance to get back into the game, Hershey pulled Copley with about four minutes left and started to sustain pressure again. All this changed moments later though, as Mark Alt fired toward the empty net from the far side circle inside his own zone and hit it dead center to ice the game at 6-2. The Phantoms decided they were not done, however, as a night of guys getting multiple points had to continue. This time, it was a pair of guys getting their third point of the evening, with Conner picking up his second as well. Conner and Varone crossed over each other on their way into the Bears end, with Varone breaking off toward the farside dot. Conner stayed high at the point and spun a pass toward Varone at the far side. Varone then threw the puck toward the middle, where Carey tipped it into the twine for his second goal and third point of the night. Varone also picked up a three-point night of his own by setting up the score, the 6th time this season he's had three points in a game.
Lost in the offensive barrage by Lehigh Valley was the fact that their struggling penalty kill has started to get better as of late. Even though its still in 28th place out of the 30 teams in the league, the Phantoms have killed off 13 straight power plays. Their 2-for-2 effort on Friday evening also marked the third consecutive game without allowing a power play goal. Lost in the explosion of goals is the performance by Lyon, who made 21 saves for the win. He did not face a lot of shots, but he made timely saves when he needed to and helped by being the team's most important penalty killer.
Lehigh Valley continues their six-game homestand on Saturday night, as they welcome the Laval Rocket to PPL Center for the first time. They will conclude their homestand next week, with games Wednesday against the Penguins and Friday against these same Bears.
★★★ – LV Corban Knight: goal, assist, +2
★★ – LV Phil Varone: goal, two assists, +3
★ – LV Greg Carey: two goals, assist, +3
Please consider becoming a Patron as a way to say thanks and support us for what we do! https://www.patreon.com/thesinbinhockey


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Day 287 "Trapped in a box"
It has been a week and still no luck with the radio. The thought was thrown out there that maybe Daikon was destroyed. Or maybe our radio is working and the one in Daikon might be broken. Which would mean until the survivors of Canson get into camp no one else knows where we are. On the plus side we are going to be here for a bit longer anyways. Though I don't know if Ronin, Colonel Rives, Lt. Gale, Will or Beth are ready for the life underground. Being stuck in a small cramp space is something you have to be trained to get used to. Will and Beth have already done it before, but the others I doubt.
Live underground still continues even if we are alone. Ronin is still sleeping a lot for now until his injuries are healed. Will has been able to open both eyes which is a good sign. He still have a bunch of ugly wounds all over his head. Luckily for him Lily is not picky when it comes to scars. She has her own fair share. Those two are perfect for each other. No problem with shelter shock with those two. They are officially a couple once again. Beth and Colonel Rives are keeping busy with work. Colonel Rives is working on getting the radio still and Beth Sewing. She is so much better at it than I was when I first started. There is only 1 person I am worried about and that is Lt. Gale. She has that shelter shock look in her eye.
Now you may be asking yourself what is shelter shock? I don't know the official name for it, but Courtney came up with the name . Imagine being stuck in a box underground for a long period of time. with no windows, no sounds and only the lights are fake. Instead of losing track of time you start to become hyper aware of it. There is little entertainment in here. Most of the time it is just you and your thoughts. Most people can't handle that and start to go a little mad. It starts with a wild eye look, pacing and talking to yourself out loud. Then you enter phase two.
Now lets go over phase two of "Shelter Shock". First is a consistent looking at the door to the airlock. Second is pacing, but this time always by the airlock. Third is irritability, like the smallest thing sets you off. Finally the lagung at jokes that no one told. Now there are two treatments for this. One is going outside or finally accepting that you are stuck in here for a bit. Going outside usually makes things worse because you will want it more and more. Thankfully Lily saw the signs and gave Lt. Gale the talk about it.
We took her to the inside of the airlock to give her the talk. That way she could save some face around the others. She took it real which was. Also that she explained that she is nervous about her family. That her husband and two kids back at Daikon. Once we get the radio working it should help calm her down. I think that I might wake up one day to the sound of the airlock being opened and her missing, but I trust her for now. After we gave her the talk it was back to as "normal" as it gets.
The rest of the day was just trying to stay busy. Which was not too hard for Lily, Beth and I. We are working on a blanket together. I know we will not be able to take it with us once we leave, but I wouldn't mind using it once it is completed down here. Maybe we can all take turns with it. Close to bedtime a call came into the Radio. Everyone was surrounding the area listing to the person on the other end. Colonel Rives tried to find their location so we could go help, but it was someplace farther than we could get to. Listing to the sound of their voice you can tell that they are not going to make it. That soon whatever is attacking them will get them. If only we could get a hold of Daikon maybe they could do something. Just another round of people that will soon be joining David.
If you are new to this story You can start at the beginning here.
Also Check out our Book review section over here
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Badminton: Jakarta to stage 2015 BWF Worlds; Dongguan to host Sudirman Cup
- Updated: November 29, 2013
November 29, 2013: The colourful sights and deafening noise inside the Istora Senayan Stadium will be a highlight of the 2015 BWF World Championships after the Indonesian capital of Jakarta won the right to host one of badminton's showpiece events.
Dongguan in China's Guangdong province was named as host of the Sudirman Cup mixed team competition in 2015, while Helsingborg, Sweden will stage the World Senior Championships in the same year.
Poul-Erik Hoyer, President of the BWF (Badminton World Federation), made the announcements in Athens, Greece, as the BWF Council confirmed the host cities for its major events in 2015.
Jakarta beat the Chinese city of Kunshan in Jiangsu province to stage the World Championships, which will return to Asia after being held in Copenhagen, Denmark, next August.
The PBSI (Badminton Association of Indonesia) organises the annual Indonesia Open, a Superseries Premier event on the BWF World Superseries circuit known for its energetic atmosphere, and was delighted the nation would stage the World Championships for the third time, following earlier editions in 1980 and 1989.
Bambang 'Rudy' Roedyanto, PBSI's International Relations Manager, said: "We are grateful and we are going to make it one of the best World Championships. It is going to be even better than the Indonesia Open and everybody knows how exciting that is."
The World Championships are held annually except during Olympic Games years. This year's tournament was held in August in Guangzhou, China, where Chinese superstar Lin Dan dramatically won the men's singles title after barely competing since winning last year's Olympics.
Dongguan is located just east of Guangzhou, also in Guangdong province, and the city's winning bid to host the 2015 Sudirman Cup will be a boost for the host nation as China target a sixth straight success and a 10th win in 11 editions from 1995.
Yu Lijun, Vice Mayor of Dongguan, said: "We are very happy. I look forward to seeing everyone in Dongguan."
The Sudirman Cup was inaugurated in 1989 and is held every two years. China has previously hosted the tournament in Beijing in 2005 and Guangzhou in 2009.
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March 9, 2017
EWU Health, Wellness and Prevention Services (HWPS) created the Sexy and I Know It! Healthy Body workshop to emphasis the importance of health and health support.
"Sexy and I Know It! is a presentation about body image and how we see and perceive ourselves," Tim Conces, EWU senior and peer health educator, said.
Conces said this presentation is usually done for sororities but is also for every student on campus.
"It is also about making sure how we can change the perception of our bodies into a more positive view," Sonya Dauncey, EWU freshman and peer health educator, said.
Conces said the HWPS has a workshop every Thursday with different topics and partners with the EWU Counseling and Psychological Services (CAPS) to make advertisements.
"It is not just through Health, Wellness and Prevention Services," said Conces. "We partner up with CAPS quite often to bring presentations to the students."
Conces said students appreciate the workshop and are getting involved.
"I think the students approve it very well," said Conces. "They have really good involvement."
Conces said seeing more people come and participate in the workshop in times to come will be more helpful.
"When I was applying for this job, I was asking some of the issues that people struggle with a lot, and body image was one of the biggest ones," Dauncey said.
Dauncey said the workshop should definitely be helpful for the students on campus.
Conces said he is looking to see improvements for not just the Sexy and I Know It workshop, but also for others.
"I think getting more involvement from the general student population would be the best improvement that we could make," said Conces. "Each presentation has unique challenges and opportunities. Everybody is different. Everybody is going to receive the information that we are giving."
Conces said the more people HWPS can reach and bring information to, the better HWPS can do its job.
"As well as opening up and having better conversations with more people," Dauncey said.
Conces said, besides CAPS, HWPS partners with every service on campus to create workshops. HWPS works prominently with Housing Residential Life to put on some of the biggest events, such as Condomania.
Conces and Dauncey said HWPS will do what they can do to inspire students and ensure ideas for healthy benefits.
"By having us here and providing the information in the hopes of making less risky decisions, we can stomp out some of that risky behavior," Conces said.
Conces said they can help create a healthy and happy campus.
"We try to help people make better decisions healthwise," said Dauncey. "Especially finding a way to drink safely or how to improve body image." •