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How to ask for a raise: Avoid these common pitfalls

There are right and wrong ways to ask for a higher salary. Experts weigh in on what to say and when.

With a bright shiny new year underway, maybe one of your resolutions is to finally work up the nerve to ask the boss for a raise. It's not a bad instinct: the PayScale Index shows that salaries for tech workers are growing at a fast clip, far outstripping wage growth for non-tech roles

But there are right and wrong ways to go about asking for a higher salary. We want to help you avoid putting your foot in your mouth when you should be beefing up your paycheck. We spoke to a variety of career coaches, HR consultants, and people who have had a good track record of getting the raises they ask for and found out what not to do in that crucial meeting. Forewarned is forearmed, so take this advice to heart.

1. Don't make it all about you

Obviously, you want (or need) a raise because of your own personal financial situation or career goals. That said, your boss or HR manager looks at your compensation from the point of view of the company's needs, not yours. If you make what you want the centerpiece of your request, you'll be getting off to a bad start.

First off, don't go into the meeting framing a raise as something you deserve. "That's trite and egocentric," says Don Maruska, a master certified coach and author of "Take Charge of Your Talent." "Employers need to have a business case for giving people raises."

"If every staff member met with their boss simply for a chat and received a raise as a result, there would be a lot of high-paid salaries and complacency among staff," says Steve Pritchard, an HR consultant for Cuuver. Instead of just saying you deserve the raise, he says, you need to show it. "Present solid evidence that the work you’re doing is improving your company and allowing it to grow. A presentation or an organized handout sheet can really wow your boss."

And while it might be true that your personal cashflow issues are the driving force behind your quest for a raise, that's not something your boss wants or needs to hear about. "Never, ever, mention your financial troubles," says Pamela Shand, CEO of Offer Stage Consulting, a career coaching service. "It's too easy for a manager to shoot that argument down; you're not the only person at the company with money problems."

Finally, don't lead with how long it's been since your last raise, says Valerie Streif, a senior advisor at, a San Francisco-based organization for job seekers. "This starts off the conversation with a tone of entitlement and shifts the focus away from your achievements. Instead, it reveals that you expect the raise solely due to the amount of time you've been in your position."

The State of Hiring: Learn how 101 IT execs find staff for critical positions and cajole in-demand tech specialists to accept their job offers

2. Don't compare yourself to your co-workers

Your compensation should be about you and your performance. By talking about your co-workers, you detract from that point. "Don't start the discussion by telling your boss 'I know Gary makes X more dollars than me,'" says Robin Schwartz, managing partner of MFG Jobs. "Employers are aware that staff share salary information; it's why most companies will strive to create equity programs, so there aren't disparities. But you have no idea why Gary might make more money than you. He might have more years of experience, have more certifications or education than you, or he may perform better than you." The boss likely will be put off by the fact that your argument for a raise relies on the salary of someone else and his achievements.

Company management may accept with varying levels of ease employees voluntarily sharing salary info with each other. However, the emphasis here is on the voluntary. Jeff Skipper, CEO of Jeff Skipper Consulting, recalls that on one project he worked on, he actually had someone tell him, "I used our HR system to look at my peers' salary and see that they are all making more than me." The only thing dumber than doing something illicit is telling the person you're asking for a raise about it!

This isn't to say that you should go into these meetings blind, mind you. Negotiation consultant Devon Smiley says that when it comes to your co-workers' salaries, "be sure to collect data for comparison so that you know what the range is for a position. But still, always frame your requests and justifications in terms of your unique skills and contributions." And Andy Chan, chief career coach at Prime Opt, recommends going beyond your office in your research. "Glassdoor is a reliable source which job seekers should check out before entering an interview loop. And the Department of Labor publishes salary levels of each job title at different levels of experience." But putting your cards on the table isn't always a great idea. "Never directly quote the numbers on Glassdoor or other references when negotiating for a higher salary," says Chan. "Many companies could easily say that the number you give is only an average number or even claim that those numbers are not reliable."

3. Don't make promises you can't (or don't want to) keep

There's a certain satisfaction in visualizing a scenario where you walk into your boss's office, tell them that you need a raise or you're quitting, and watch them scramble to keep you on board. Unfortunately, in real life, that's an incredibly risky tactic to take, one that can easily backfire.

To begin with, you need to be prepared to have your bluff called. "Don't make threats you can't back up," says Dary Merckens, CTO of Gunner Technology. "Don't say, 'I need a raise or I'm going to go somewhere else' if you don't have a better gig lined up with 100 percent certainty."

Even if you do have a plan B ready when you present your ultimatum, don't be impatient and expect an answer immediately. "Bosses need to percolate on a new idea like a raise," says Linda Swindling, a negotiation expert and author of the book "Ask Outrageously!" "You've been thinking about asking for several months, but your request is brand-new information to them. Your boss may not have the authority to say yes anyway. Corporate environments have budget constraints, and most supervisors don't have the ultimate authority to raise the pay of their direct reports."

Maybe you're not the threatening type; maybe you're a people pleaser instead. But be aware that when you're making a case for why you deserve a raise, you might be making some implicit promises. Maxim Makarenko, product owner at Aquiva Labs and a self-proclaimed "rather experienced raise-asker," has some great advice for IT professionals who are prone to working long hours. "Never tie your raise request to the fact that you've been working late or on weekends, because guess what: You'll be expected to continue doing it if you do get that raise!" Instead, he says, you should frame your work ethic as evidence "that you've taken on more responsibility or demonstrated a commitment to the project, or proved to be a team player. Just never directly cite the extra hours you've been putting in."

4. Don't ask too soon

With all these warnings in mind, you may be ready to approach your boss and ask for that raise in a way that reflects well on you and makes business sense to them. But there's one more thing to remember: It matters not just what you say, but when you say it.

"Once you decide you want to ask for a raise, it will be difficult not to follow through immediately," says Bart Turczynski, a career expert and content editor at Uptowork. "But you might want to have that discussion after a challenging project has been completed and your contribution is fresh in your employer's mind. You also should be aware of your company's review policy and time your request accordingly. You don't want to wait half a year and let everyone get used to your productivity, but waiting a month or so might give you a leg up during the negotiation process."

Finally, he adds that a good time to make your pitch is after you've picked up someone else's slack or made work easier for other team members. "For employers," Turczynski says, "doing well with your responsibilities is merely your job. Going beyond that, however, is reason to reward you."

What managers like to hear ...

  • "Are there some extra responsibilities I can take on to advance my career here?"
  • "With the experience I have under my belt now, I'm ready to change my job description and take on new responsibilities."
  • "What certifications can I get that will help advance my career here?"
  • "I completed the following projects, above and beyond my everyday duties."
  • "I would really like to stay here if I can. Let's set a meeting soon to talk about how my career at this company can advance."

This article/content was written by the individual writer identified and does not necessarily reflect the view of Hewlett Packard Enterprise Company.


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Radio Readers BookByte: Cognitive Revolution

Nov 1, 2019
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When I started with Yuval Noah Harari’s Homo Deus, I expected to jog along with a fun and clever assessment of human history and its near future as a cyborg-like merger of human and computer.

But I had trouble early on.

Radio Readers BookByte: Heavy Topics

Oct 23, 2019

Hello, everyone.  I am Richard Brookman the Consultant for Southwest Kansas Library System and the owner and co-host of the podcast ComicPop Library.

In today’s Radio Reader BookByte, I am going to be discussing Yuval Noah Harari’s book entitled Homo Deus: A Brief History of Tomorrow, published by Harper in 2017.  An interesting point for this book is that it’s first edition was published, in Israel, in 2015.

Ralph Barrera / Austin American-Statesman

The Texas Board of Education has signed off on a state curriculum that challenges the teaching of evolution in the classroom.

As The Austin American Statesman reports, Republicans on the board voted to put language back into the state science curriculum that challenges the validity of evolution.

Kelly Caminero / The Daily Beast

It could soon be illegal to teach Creationism in Texas public schools.

Wikimedia Commons

Another year brings another attempt to get evolution out of the classroom in Oklahoma, reports Slate’s education blog. State Sen. Josh Brecheen has been working tirelessly to promote creationism. Every year since his election in 2010, Brecheen has authored legislation aimed at skirting nearly three decades of court decisions that prohibit teaching creationism in public schools.

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Resort to Murder (A Miss Dimont Mystery, Book 2)

‘A fabulously satisfying addition to the canon of vintage crime’ DAILY EXPRESS

‘One of the best in the genre’ THE SUN

‘Tremendous fun’ THE INDEPENDENT

No 1 Ladies Detective Agency meets The Durrells in 1950s Devon

Death stalks the beaches of Devon

With its pale, aquamarine waters and golden sands, the shoreline at Temple Regis was a sight to behold. But when an unidentifiable body is found there one morning, the most beautiful beach in Devon is turned into a crime scene.

For Miss Dimont – ferocious defender of free speech, champion of the truth and ace newspaperwoman for The Riviera Express – this is a case of paramount interest, and the perfect introduction for her young new recruit Valentine Waterford. Even if their meddling is to the immense irritation of local copper Inspector Topham…

Soon Miss Dimont and Valentine are deep in investigation – why can nobody identify the body, and why does Topham suspect murder? And when a second death occurs, can the two possibly be connected?


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Koval RD, Mcdonagh J, Grubaugh A, Young W, Corcoran B, Lee A, Dumas B, Edlund B. Implementation of Recovery Programming on an Inpatient Acute Psychiatric Unit and Its Impact on Readmission. Journal of addictions nursing. 2016 Apr 1; 27(2):101-8.
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Abstract: BACKGROUND: Recovery-oriented models of care are evidence based and have been shown to improve patient satisfaction and outcomes as well as decrease the percentage of readmissions to inpatient psychiatric units. METHODS: This quality improvement project was implemented on a 16-bed inpatient adult mental health unit in a Veterans Affairs Medical Center. Percentages of readmissions were compared throughout the course of implementation of the recovery model. Readmissions during the months of July-September were tabulated over 3 subsequent years and compared readmission percentages before recovery implementation, during the early stage of recovery implementation, and finally, during ongoing recovery implementation. RESULTS: A decrease in readmission percentages was seen with implementation of recovery-oriented care when comparing the same 3-month period over 3 years. CONCLUSION: After implementation of recovery-oriented care measures, there was a decrease in percentage of readmissions to the unit. In addition, this decrease was sustained and was shown to improve over time as recovery-oriented programming was further developed on the unit. These data suggest that Veterans Affairs Medical Centers should consider adding tools and procedures to successfully implement recovery programming on inpatient units and efforts should include direct involvement of patients in their own recovery journey, revision of policies and procedures to reflect the importance of recovery, thorough training of frontline staff regarding recovery principles, and transfer of recovery information directly from inpatient units to outpatient providers.

Questions about the HSR&D website? Email the Web Team.

Any health information on this website is strictly for informational purposes and is not intended as medical advice. It should not be used to diagnose or treat any condition.


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Movie Review: “Now You See Me”

Now You See Me

“Now You See Me” — a film review by Gary Chew

One could say that Jesse Eisenberg and Woody Harrelson are together again on the big screen in another 2013 summer movie; this one called, “Now You See Me.” You’ll remember Jesse and Woody in the cast of one of my favorite really nutty films called, “Zombieland” (2009). It also boasted an early visage of Emma Stone, and contained one of the greatest lines in the history of cinematic monologues, as uttered by Harrelson, “Where’s the freakin’ Twinkes (?)” … or something similar to that interrogative.

Now You See Me
Isla Fisher, Jesse Eisenberg, Woody Harrelson and Dave Franco in “Now You See Me.”

Harrelson doesn’t get anything quite so profound to say in “Now You See Me,” but Eisenberg is up to his usual “Social Network” schtick of being the smartest freakin’ actor in the frame. No one does “arrogant” better than Jesse.

French director Louis Leterrier has curiously combined summer movie genres here … a sort of quartet of superhero magicians who are extremely cagey about how they do amazing Robin Hood magic tricks to re-distribute some of the wealth of Kochian-like businessmen … all of it to relieve the congestion of big bucks that principally circulate (if they move at all) in the upper reaches of high finance.

With the script employing such an altruistic bent, that makes it okay for this quartet of masterminded tricksters to be more arrogant that they need be, at least for me.

Besides Jesse and Woody, there are Isla Fisher (“The Wedding Crashers”) and Dave Franco (“21 Jump Street”) for rounding out this slight-of-hand squad calling itself “The Four Horseman.”

Now You See Me
Morgan Freeman.

Flimsily, cops are needed to address the heists the foursome pulls. That would be a good role for Mark Ruffalo as a hardheaded plainclothesman who won’t give up on bringing the quartet to justice. And so … Ruffalo is. And, since the first amazing magic big money heist occurs during a performance of illusion in Vegas and the hard cash goes missing from a Paris bank, Interpol comes to the aid of Ruffalo and his platoon of coppers to catch more than just one thief.

Quietly, behind the machinations of how all this magic goes down, are two seemingly sinister characters; one the biz guy, played by the great Michael Caine in a not too well flushed-out role, and a veteran illusionist who is good at debunking the tricks of competitors. That part would be played by the staunch and venerable Morgan Freeman.

Such a cast, if you add Mélanie Laurent (“Inglorious Basterds;” “Beginners”). Mélanie is the classy eye candy agent — come stateside — to assist the marginally foolish detective Ruffalo does.

Now You See Me
Mark Ruffalo and Michael Kelly.

Leterrier has put his action-packed project on steroids. There’s hardly a down moment except for some boy-girl talk between Ruffalo and Laurent for a little pace change. But mostly, watch out for a floor-boarded film that uses vintage French camera busyness I first saw from Claude Lelouche in “A Man and a Woman,” which came out so long ago, I’m uncomfortable mentioning its year of release.

The dialogue in “Now You See Me” takes a swipe at living, retired politicians by the name of Cheney and Rumsfeld, but barrels apolitically ahead in large part endorsing societal gullibility, while making ever-quickening closure on the “Big Silly,” and becoming somewhat “hum-drummy.” In fact, the only thing not surprising about this movie is that it doesn’t stop surprising. The twists number more than that of your average large-sized pretzel — so many twists in fact that “Now You See Me” makes being clever … boring.

Gary Chew
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ISIS Endorses, Then Pulls Endorsement of Trump for President

Donald Trump gains and loses his first endorsement on the first full day of his campaign

Donald Trump, often referred to as “The Donald,” scored and then lost the first official endorsement of his new campaign for president. In the first official day of his quest to capture the Republican nomination for president of the United States, the reality star scored an endorsement from an international organization, but quickly lost their backing when an obvious misunderstanding was resolved.

Donald Trump press conference
Donald Trump announces his candidacy.

Speaking to his followers earlier this morning, Abu Bakr al-Baghdadi, ISIS spiritual leader and inspiration for multi-national air strikes, asked that they all put their efforts into advancing the campaign of their “brother” Trump.

Leaflets were distributed as part of the event pointing out web sites that they could contribute a few American dollars to help brother Trump to succeed in his fatwa against the people of their shared enemy.

“I beg you, and Allah begs you, to back this warrior in his divine mission. He will lead our people to their just rewards if he can just get past the radicals he is up against!” said Abu in an impassioned speech to followers.

All of this was quickly superseded by an angry statement issued by Mohammed, the leader’s junior spokesman, pulling back all support that he had previously pledged.

“We have been fooled by this impostor who shamelessly tricked us into believing him. He puts himself out there as something that he is not, showing the world one vision while inside he hides his true desires. We can never back a man like this and we are thankful to Allah that he is a republican!” the tersely worded statement said.

Although it is always hard to determine the exact reasons behind the actions of radical elements, we have been able to uncover this fact: the events today are all tied to a picture that had been published in the Wall Street Journal earlier this year. Abu, an active financial industry investor, is also an avid reader and subscriber of that publication.

Our staff has been able to ascertain that the issue arose when Abu mistook the combover that is a Trump trademark for the Arab head scarf keffiyeh. While he was at first joyful to find that an American, whether a serious politician or not, would be so open to wearing this traditional garb, his mood quickly turned to sadness when he realized that he had been misled.

Abu was reportedly somewhat comforted when reminded that he wasn’t the only one that would suffer the same realization about Donald Trump.

Mike Kelly


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New Kids Study Pink desk with open Book shelf, Height adjustable table top, Chair

New Kids Study Pink desk with open Book shelf, Height adjustable table top, Chair

0 reviews 52 sold. Only 3 remain
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Product Description

Buy Kids Bed room and study room furniture’s Online at affordable Prices in Hurry Guru AU. Change your little ones study room into exiting place with the Luxury Ergonomic support adjustable Table and Chair with Multi Book Shelves Desk for kids study room. This is a Portable study table and with Ergonomic adjustable chair, has auto height locking option, and it is having user-friendly features like Height adjustable multifunctional table and chair set suitable for growing kids aged between 3-18 years. The auto-lock option for height adjustment at each level makes it more convenient. Height can be increased and decreased easily even by kids.

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The framework is made of stainless steel and hardboard wood ensuring the durability and strength. The material used is non-toxic, eco-friendly and children friendly and qualifies the regulatory safety requirements

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The set does not occupy much space and is a must-have kids’ furniture. A perfect addition to the kid’s room or study to brighten it up

Brand Name: Hurry Guru AU

Model Number: Adjustable study Desk with Adjustable chair

Item Code: HGAU-AST-P-014, HGAU-AST-B-014

Material: High-Quality Ply wood, MDF

Colour:  Pink and Blue Adjustable study table & Chair.

Accessories: Open Bookshelves with Adjustable Study Table Desk and Chair

Product Dimension (LBH/mm) & Weight: 1200*720*1130 & 48 Kg

Additional Product Dimension (Chair): 450mm*420mm*550-800mm & 15 Kg

Available Quantity: 4

Certificate: CE/TUV/ISO9001/SGS

Package Gross weight: 65 kg

Usage: Children's Bedroom Furniture/ Home Office Furniture/ Teen Living Room Furniture

Packing: Standard Carton + knock-down Packing

Assembly: Basic assembly required

Warranty: 3 years of Structural Warranty with terms and conditions apply

 Packaging Details:

Best quality cardboard, sturdy enough. The kit uses solid corner protection and padding to guarantee it is robust enough for long-distance transportation. Knocked down packaging is handy for shipment and Easy handling.

 Delivery Details:

Free Sydney pick-up! Same day delivery option available for the customer from Sydney Metro.1-7 work days to delivery in Sydney and nearest states, 7-10 business days, for long-distance requests. If incase, the customer not at home we deliver at the safe place. If you wish to deliver on specific time please let us know during the purchase. Otherwise, we will deliver to safe place. If, for whatever cause, you are not satisfied with your order, you can give it back to us within 30 days for complete refund of the purchase price (excludes shipping charges). Everything we ask is to return the object in its original state without scratches in the original package.

If we deliver the item we book the compulsory insurance for transit, we will report damages or failure if you obey the directions below: If you see damage to any of the boxes please take a picture of it, please also mention damage next to your signature & submit damage pictures to us within 24 hours of receiving your items

If you do not notify us to have proof of damages within 24 hours, we unable to claim the insurance from the transport company, if you failed to notify us we are not able to claim the damage during transit. Since the courier firm wants appeals to be filed with proof within 7 days of delivery

Whether you're disappointed or dissatisfied with your order for some cause Please encourage us to fix the issue before starting a conflict or providing input

 For us, your full happiness is really significant; we will do our utmost to support whenever possible

Contact us:

 We are located on Marsden Park, NSW -  2765 , Australia.

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Hynes Blog

The Best C-Channel Fabrication Process for Solar

by Rob Touzalin on October 13, 2017

In solar, saving money from start to finish is crucial. While headlines like, “2016 was the year solar panels finally became cheaper than fossil fuels,” can be exciting for the industry, it’s also a pain point for many manufacturers and solar panel mounters.

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Key Takeaways: Solar Power International 2017

by Doug Campbell on September 21, 2017

A record-setting 20,000 solar energy professionals and 600 leading manufacturers gathered for four days in Las Vegas for this year’s annual Solar Power International (SPI). This year’s tradeshow included everything from educational solar 101 sessions, to more in-depth discussions about the Sunvia trade case.

A lot happened at this year’s SPI, so we’ve outlined key takeaways below.

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Key Takeaways: Solar Power International 2016

by Mike Giambattista on September 28, 2016

Solar Power International 2016 brought together nearly 18,000 visitors, and with those visitors came innovations, ideas and projections for the future of solar. With 600 vendors and more than 40 scheduled events, it was almost as difficult to keep up with the goings-on at SPI as it is to keep tabs on the rapid growth of the solar industry.

In case you missed anything, below is a wrap-up of the show’s key takeaways.

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5 Proven Strategies to Reduce the Sky-High Cost of Solar Mounting Systems

by Randy Myers on April 30, 2015

Solar panel prices continue to decrease, and as a result, solar panel and mounting manufacturers must find new ways to stay competitive. The new cost-reduction goal is to substantially reduce mounting system production costs.

Continue Reading

Key Takeaways from Solar Power International

by Phil Misch on October 28, 2014

The Hynes Industries team just returned from Solar Power International, the solar industry’s premier, comprehensive, educational conference and product exhibition. SPI brings the full range of industry ideas, experts, professionals and information together in one event.

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Solar Profile Engineering Guide Saves Time and Money [Free Download]

by Randy Myers on October 8, 2014

Solar panel prices are steadily falling, pushing cost-reduction measures upstream. As a result, solar panel and mounting manufacturers must find new ways to cut costs and stay competitive.

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4 Trends Driving the Future of Solar

by Phil Misch on April 24, 2014

American Roll Form has watched—and participated in—the solar industry’s rapid expansion in recent years. As the photovoltaics industry matures, several key factors will play into its ability to gain traction in the utility space.

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Adidas Yeezy Boost 700 MNVM triple black

Adidas Yeezy Boost 700 MNVN triple black now debuts in an elegant “Triple Black” look. Kanye West said the shoe was designed by Christian Tresser and Steven Smith, who both worked for Reebok in the early 1990s and is currently Yeezy’s creative director. This new 700 features a padded nylon upper and completed by a series of heat-sealed layers. On the side, without the Three Stripes brand, there is the word “700” in reflective 3M. They will be released in very limited quantities, exclusively in selected stores in New York, Tokyo and London. Adidas Yeezy Boost 700 MNVM triple black

Kanye West:

The relationship between the rapper and the three-stripe brand has by now become one of the most popular pairs in the fashion world. Kanye West had already made a shoe for Adidas in 2006, but this never came to light. West then worked with Nike for five years, during which three shoe lines were released. The agreement between Nike and West foresaw that the latter could also work with Louis Vuitton and Reebok, the latter owned by Adidas. In 2013, the collaboration between Kanye West and Nike is over. According to the leaked media, the motivation would have been of an economic nature, with Nike not guaranteeing West the royalties requested. In November 2013, West unofficially announced that it had reached an agreement with Adidas, confirmed by the same company the following month.

The “Yeezy Season 1” turned out to be a big deal, with Rihanna, Diddy, Alexander Wang, Cassie, Beyoncé, Kim Kardashian e Anna Wintour showing off in public wearing this line, and the two shoe models released in this collection, YEEZY Boost 350 and Boost 750, went so quickly sold out, giving the green light to the production of the successive collections “Yeezy Season 2” and “Yeezy Season 3”.

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Section name
Topic 1: Foundations of environmental systems and societies
1.1 Environmental value systems
1.2 Systems and models
1.3 Energy and equilibria
1.4 Sustainability
1.5 Humans and pollution
Topic 2: Ecosystems and ecology
2.1 Species and populations
2.2 Communities and ecosystems
2.3 Flows of energy and matter
2.4 Biomes, zonation and succession
2.5 Investigating ecosystems
Topic 3: Biodiversity and conservation
3.1 An introduction to biodiversity
3.2 Origins of biodiversity
3.3 Threats to biodiversity
3.4 Conservation of biodiversity
Topic 4: Water and aquatic food production systems and societies
4.1 Introduction to water systems
4.2 Access to fresh water
4.3 Aquatic food production systems
4.4 Water pollution
Topic 5: Soil systems and terrestrial food production systems and societies
5.1 Introduction to soil systems
5.2 Terrestrial food production systems and food choices
5.3 Soil degradation and conservation
Topic 6: Atmospheric systems and societies
6.1 Introduction to the atmosphere
6.2 Stratospheric ozone
6.3 Photochemical smog
6.4 Acid deposition
Topic 7: Climate change and energy production
7.1 Energy choices and security
7.2 Climate change—causes and impacts
7.3 Climate change—mitigation and adaptation
Topic 8: Human systems and resource use
8.1 Human population dynamics
8.2 Resource use in society
8.3 Solid domestic waste
8.4 Human population carrying capacity


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May 2020 -
The Oregonian's Bill Monroe!

Go Back > Ifish Tackle Talk > Marie's Reports, Tillamook Bait Company

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Captain and Marie
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Join Date: Apr 2000
Location: Tillamook, Oregon
Posts: 2,347
Default May 2020

Hi Everyone, May 8 2020

WOW what has happened ?...Its crazy. Hope all is safe and well.

We made it thru this past winter with the worst flu we ever had. But we made it!

Now summer is here and things are starting to open up.

Of course it depends on what boat launch you're at......LOL

We are able to get sand shrimp under our commercial fishing license.

We are curing up salmon eggs this week. So if there's anything we can do to help you out, please let us know. [email protected]

We have a drive-up window to help folks out in a safe way. HONK twice..~~

Or we can mail you a box direct to your home.

Hope you all have a wonderful weekend.

marie at Tillamook Bait Company.

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Chapter 9 (Part 1) - FF7 Remake Walkthrough

IGN's walkthrough of Final Fantasy VII Remake Chapter 9 The Town That Never Sleeps (Part 1). In this video, we complete the missions Tour Guide, Take the Shortcut and Beyond the Ladder; as well as the first Robot Arm puzzle. For more detailed information on FF7 Remake, including how to get every materia, weapon, and much more, visit https://www.ign.com/wikis/final-fantasy-7-remake


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Apple announces new business partnership with SAP

Apple Sap

For some time, Apple has made enormous efforts to develop partnerships with the business world to bring their devices to the sector. Apple and SAP have announced a major new partnership to improve the experience of working in mobile for businesses of all sizes, combining native apps for iPhone and iPad and the functionality of the SAP HANA platform.

“This partnership will transform how iPhone and iPad are used in enterprise by bringing together the innovation and security of iOS with SAP’s deep expertise in business software,” said Tim Cook, Apple’s CEO.

Now we know details of a new alliance, this time with SAP (original German multinational company dedicated to the design of computer products business management).

The main goal of Apple is to reach every employee of the companies where SAP operates. Thanks to a new SDK, developers can create the right to use iPhone and iPad like never before in the enterprise market tools. This alliance between Apple and SAP aims to provide the necessary conditions for more than 2.5 million developers to create powerful native applications that take full advantage of SAP HANA Cloud Platform tools.

Thanks to this platform enterprise customers get simple tools to create efficient applications for iPhone and iPad. Using the excellent hardware features that have Apple devices like Touch ID, processors and strengths of iOS, such as security, stability and ease of use.
The programming language used is Swift, to create new applications.

Besides knowing the you strengthen both sides, Apple and SAP had already worked together. It was during the refugee crisis occurred last year. The alliance is official, the Cupertino have released all the details in a press release. Tim Cook has also used Twitter to make the announcement:

As part of the partnership, SAP will develop native apps for iOS key business operations. This app for iPhone and iPad will be built with Swift, Apple’s programming language, modern, safe and interactive, and will offer a familiar user experience with the design language SAP Flowers for iOS. Professionals from all areas of the company will have access to critical data, processes, and user experience they need to make decisions and take actions directly from their iPhone or iPad through app designed to allow, for example, to those who working in the field of maintenance, ordering parts or program interventions, or a doctor to share the latest data of patients with other health care providers.

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Teri McMinn

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Born in Houston, Texas. After graduating from high school, Teri studied and worked at The Dallas Theatre Center, in Dallas, Texas. Moving to Austin, Texas, in 1971, the young actress attended the University of Texas and St. Edwards University. It was in Austin, where she was discovered by director Tobe Hooper and producer Kim Henkel, after seeing ... See full bio »

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Butcher Boys Woman with Pick
Awakening Carla Jenkins
The Cellar Sylvia

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  Awakening (pre-production)
Carla Jenkins
 2012 Butcher Boys
Woman with Pick
 2009/I The Cellar
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 2012 Moxina (Short) (grateful acknowledgment)
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 2019 Deimos Cinema Podcast Show (TV Series)
Guest (2019)
 2017 Without Your Head (TV Series)
 1991 The Horror Hall of Fame II (TV Movie)
Hide Hide Show Show Archive footage (6 credits)
 2015 Scream Queens (TV Series)
- Chainsaw (2015) ... Pam (uncredited)
 2013 Texas Chainsaw
 2000 The American Nightmare (Documentary)
 1984 Terror in the Aisles (Documentary)
Pam (in 'The Texas Chain Saw Massacre') (uncredited)

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5' 3" (1.6 m)

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Personal Quote:

Well, it was fine the first 25 years, but I'm basically 'off the hook'. I have a lot of other interests that are close to my heart and they keep me busy. But I do love to watch people's responses because they just love it, and we all get so many laughs about it. It's really a hoot and has brought a lot of unexpected joy to me and so many others. People actually whisper in crowded rooms, 'Did you ... See more »

In 2008, finally coaxed to appear at Monster Mania Horror Convention, in Cherry Hill, N.J., in a Cast Reunion, Teri made a Personal Appearance, as "Pam", the 'girl on the meat hook', her first. See more »

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Aïda Ballmann

Aïda Ballmann is an actress from the Canary Islands, Spain, with German origins. She gained her language abilities, fluent Spanish, German and English, during her international and multidisciplinary education in the field of performance, circus and acting. As the daughter of the renown painter Kitabo, Aïda Ballmann and her three sisters grew up ... See full bio »

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Sand Path Aida Ballmann

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 2020 The Europeans
 2017 The Giant and the Mermaid (Short)
 2016 Lo que escondían sus ojos (TV Mini-Series)
- Un secreto a voces (2016) ... Hilde
- A corazón abierto (2016) ... Hilde
- Dos mundos opuestos (2016) ... Hilde
 2016 Brigada de fenómenos (TV Series)
- El vampiro de Jabugo (2016) ... Vampiresa
 2015 Air (TV Series)
- Pilot (2015) ... Brigitte
 2015 La paradoja de la Calle Real (Short)
 2014 Golosinas (Short)
 2014 Podredumbres (Short)
 2013 The Time in Between (TV Series)
- Los fantasmas del pasado (2013) ... (as Aida Ballmann)
- Espionaje (2013) ... (as Aida Ballmann)
 2012 Ignorado (Short)
Chica (as Mariama Aïda Ballmann)
 2011 Malviviendo (TV Series)
- Amapolas vs. Jaramagos (2011) ... Rusa
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The C/EBPalpha transcription factor regulates hepatic nitrogen, glucose, lipid and iron metabolism. However, how it is able to independently control these processes is not known. Here, we use mouse knock-in mutagenesis to identify C/EBPalpha domains that specifically regulate hepatic gluconeogenesis and lipogenesis. In vivo deletion of a proline-histidine rich domain (PHR), dephosphorylated at S193 by insulin signaling, dysregulated genes involved in the generation of acetyl-CoA and NADPH for triglyceride synthesis and led to increased hepatic lipogenesis. These promoters bound SREBP-1 as well as C/EBPalpha, and the PHR was required for C/EBPalpha-SREBP transcriptional synergy. In contrast, the highly conserved C/EBPalpha CR4 domain was found to undergo liver-specific dephosphorylation of residues T222 and T226 upon fasting, and alanine mutation of these residues upregulated the hepatic expression of the gluconeogenic G6Pase and PEPCK mRNAs, but not PGC-1alpha, leading to glucose intolerance. Our results show that pathway-specific metabolic regulation can be achieved through a single transcription factor containing context-sensitive regulatory domains, and indicate C/EBPalpha phosphorylation as a PGC-1alpha-independent mechanism for regulating hepatic gluconeogenesis.

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Journal article

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1081 - 1093

Amino Acid Sequence, Animals, Blotting, Western, CCAAT-Enhancer-Binding Protein-alpha, Chromatin Immunoprecipitation, DNA Primers, Gene Expression Regulation, Gluconeogenesis, Hepatocytes, Lipogenesis, Mice, Molecular Sequence Data, Mutagenesis, Phosphorylation, Polymerase Chain Reaction, Protein Structure, Tertiary, Sequence Alignment, Sterol Regulatory Element Binding Protein 1


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Snake venoms contain a number of proteins that interact with components of the haemostatic system that promote or inhibit events leading to blood-clot formation. The snake-venom protein convulxin (Cvx) binds glycoprotein (GP) VI, the platelet receptor for collagen, and triggers signal transduction. Here, the 2.7 A resolution crystal structure of Cvx is presented. In common with other members of this snake-venom protein family, Cvx is an alphabeta-heterodimer and conforms to the C-type lectin-fold topology. Comparison with other family members allows a set of Cvx residues that form a concave surface to be putatively implicated in GPVI binding. Unlike other family members, with the exception of flavocetin-A (FL-A), Cvx forms an (alphabeta)(4) tetramer. This oligomeric structure is consistent with Cvx clustering GPVI molecules on the surface of platelets and as a result promoting signal transduction activity. The Cvx structure and the location of the putative binding sites suggest a model for this multimeric signalling assembly.

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Acta Crystallogr D Biol Crystallogr

Publication Date

46 - 53

Amino Acid Sequence, Animals, Crotalid Venoms, Crotalus, Crystallography, X-Ray, Lectins, C-Type, Models, Molecular, Molecular Sequence Data, Platelet Membrane Glycoproteins, Sequence Alignment


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Impact Africa interns on a mission in Botswana!!

Our ImpactME interns not only learn how to share their faith in a classroom, but they travel throughout Africa to put it into action. This is what we call some AWESOME and ADVENTURE filled hands-on learning. Want to learn more about becoming an ImpactME intern?? Check out our ‘Impact’ page to download the info packet or to apply today!


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Mercedes-Benz Parfums.
For men, Le parfum.

 This man takes his place in a luxurious and refined world. He reflects his time. Urban and self-confident. Refined and elegant. The epitome of savoir-vivre. He knows what he owes the past and accepts his place in tradition. Man at his best. The masculine spirit in all its timelessness and fundamental ideals: strong, yet sensitively charismatic, yet approachable. A gentlemen. Courteous. Ambitious. His eternal sophistication that charms and fascinates. Man, as we imagine him to be, and as a woman secretly hopes for. For him Mercedes-Benz has attained the exceptional and presents Mercedes-Benz Le Parfum.

An woody chyphre fragrance.

Refined and elegant, the fragrance starts off with a fizzy blend of Italian bergamot, pink pepper and cascalone. Enhanced by mysterious notes of violet leaves absolute, galbanum and saffron, the heart finally unveils a precious and intriguing combination of patchouli, vetiver, oud and amber gris. A woody, chypre and floral fragrance, with a luxurious and modern signature.

The design & range.

The know well-known opulent, massive glass silhouette is reinvented in a modern, chic harmony, draped in a gradiated shade of deep brown to reveal the amber-colored juice within. A band of leather encircles the metal engraved with the legendary star that crowns and seals the bottle. The perfume is enveloped in a round, saddle-stiched leather case. A copper disc bears the legendary brand's star signature. The same star embossed on the top of the case, like a seal of belonging, like an outward sign of elegance.


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May 10, 2011

In order to recognize the hottest technology companies in DC Area, Lead411 ( is proud to announce the release of the 'Hottest Companies in DC Area" awards for 2011.

On a daily basis, the Lead411 research team scours through at least 600 press releases and business articles including venture capital financings, company launches, office openings, new customer press releases, etc. This information has given insight to which are the fastest growing technology companies in U.S. Their "Hot List" awards have been created to recognize these fast growing companies. This particular list originally started with over 855 companies and it has been narrowed down to the top 43.

"We are very proud of these awards. We have been tracking fast-moving companies for our customers for the past 10 years," said Tom Blue, CEO of Lead411, "and we felt it was important to recognize these growing brands publicly."

First, all companies must be in either the Software, Wireless, Hardware, Internet, or Media industry, a privately held organization, and be within DC Area.. From there, each company must meet one or more of the following requirements;

100% increase in revenues over the past 2 years with revenues over $2M OR $2M+ in funding in the past 2 years.

List of Company Names:

Alawar Entertainment, American Cadastre, LLC, Approva Corporation, Clarabridge, Clearspring Technologies, Inc, DATA Inc, Digital Signal Corporation, DrFirst Inc, DubMeNow Inc, EverFi, Inc., GigaTrust, Grab Networks, Indisoft LLC, Intelliworks Inc, JackBe Corporation, Jobfox, kajeet, Inc, Koofers Inc, LivingSocial, LucidMedia Networks Inc, Message Systems, Incorporated, Motionsoft, Netuitive Inc, Nova Datacom, Openet, OPOWER, Parature Inc., PointAbout, Inc, Reality Mobile LLC, Resonate Networks, Savi Technology Inc, Sawbuck Realty, SB Nation, ScienceLogic, SnagFilms LLC, Sonatype, Synteractive Corporation, Telarix, Inc, Virtustream Inc, VitalSpring Technologies Inc, Vovici Corporation, Welocalize, Zantech IT Services, Inc.

List and Details:

The entire list including more details about the award and winners can be found at

About Lead411:

Lead411 provides information, news, and research about U.S. companies and their executives. Founded in 2001, its goal has been to focus on quality corporate data that is valid and useful rather than producing as many company records as possible. In addition, Lead411 tracks company news in order to alert its customers about venture financing, new hires, hiring plans, etc. Customers include Gartner, Administaff and ADP.


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Brad Stutzman, Co-Founder & CEO, O3 Energy.

Renewable Energy Leader of the Future

For Brad Stutzman, Co-Founder & CEO of O3 Energy, the primary rule to becoming a successful Entrepreneur is to never give up. As per Brad, anytime someone is trying to accomplish a task which has never been done before, there are going to be failures, but the important factor is to not let those failures overshadow the goal. “Each and every failure should be looked at through a lens of learning.”The key qualities of Brad which has been important in making him the industry leader today are perseverance, inquisitive, strategic thought and flexibility

O3 Energy is providing clean energy generation for the commercial and utility clients who want to capitalize on this modern technology

Brad says that efficiency is something that all businesses and entrepreneurs struggle with today. “By definition, profit is derived from how efficient your business provides its solution. Anything in this world is possible but efficiency distinguishes whether it is commercially viable or not. The perfect example of this is the space industry,” he says. “A primary difficulty that myself and many entrepreneurs face when it comes to efficiency is scaling. As you scale a business, either upward or downward, all of the other mechanisms within the business need to changes, as well. I rely on my team to provide me with the proper information to adjust these parts, they provide me with the feedback that is need to tweak the engine.”

Developing & Financing of Solar Projects

At the time that O3 Energy was founded, there were not a lot of solar companies focused on the development and financing of solar projects for C&I customers. The bulk of the industry was focused on either utility or residential customers. Some of the unique difficulties that lie with C&I customer and middle market credit were not being addressed. O3 Energy was formed with these clients in mind.

O3 Energy is providing clean energy generation for the commercial and utility clients who want to capitalize on this modern technology. O3 Energy is providing clean energy generation primarily through the use of onsite photovoltaic solar systems. “Technology is constantly evolving and so must standard practices. O3 Energy focuses on creating and implementing the best standard practices in order to maximize our client’s technology,” says Brad

“That might be through new financing structures or a new design software. We strive to consistently evolve in order to be a leader in the industry.”

O3 clients are in control of their energy needs through the technology that they implement and solar as a whole. By implementing an onsite solar facility, the clients are no longer at the mercy of the utility. If their utility decides to increase the price of electricity, their clients are not impacted. This allows for better budgeting and forecasting by our client’s operations. Allowing them to have more control of their energy. At the same time, O3 clients are acting in a socially responsible way by controlling the impact that their operations have on the surrounding community and planet.

Impacting the Clients

In an instance, the New Hope Church in Hilo, Hawaii spent three years trying to get their solar project off the ground with minimal success. They had an approval from the HELCO (Hawaiian Electric Light Company), the utility on island, for the project. This approval was what was needed in order to connect the system, but it was about to expire. Since the church had been working on the project unsuccessfully, they were running into a time crunch with their approval. Since the time that the New Hope Church was initially approved, HELCO had changed their guidelines and were not allowing any new solar. If the approval expired, the solar project would not be able to be installed so the time and money the church spent to date would have been lost. O3 Energy stepped into the project, completed the remaining development milestones and provided financing for the project in 30 days. O3 was able to complete the project within the time that was allowed by HELCO and save the church’s investment.

The future of O3 Energy is bright as they will continue to expand the company into new products and territories. At the moment, they are adding two new office in order to handle their growth. “We are currently expanding our residential solar division into Colorado and Florida. To date, that division has only operated in DFW, and we recently made the INC 5000 list of fastest growing private companies in the US,” says Brad.

03 Energy

Brad Stutzman, Co-Founder & CEO of O3 Energy

The mission at O3 Energy® is to provide clean energy generation for the commercial and utility clients who want to capitalize on this modern technology.

Entrepreneur Magazine


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Tag: Bay Bryan

Bay is Growing into his Beard.

Singer, songwriter client Bay Bryan gets ready to open his evening of acoustic music and ALL THE GINGER – Growing Into My Beard A solo show of music, storytelling, dance, love & pure ginger realness. ‘Growing Into My Beard’ is one ginger’s personal quest to understand & celebrate one’s own identity AND to obtain TRUE… Read more »

Welcoming Bay Bryan!

Infinity are excited to welcome actor, singer-songwriter, musician and dancer Bay Bryan. Bay is a graduate of RCS and his recent credits include his own solo show, ‘Growing Into My Beard’.


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Photo of a man hiking outdoors (PantherMedia / Paul Simcock)

If your nails become brittle or change color, it might be caused by a fungal nail infection. The big toenails are often affected. Nail fungus is less common on the fingernails.

Fungal nail infections are hard to get rid of. Because our toenails only grow slowly, treatment generally takes a long time and requires patience. It can take several months to work.

Whitish-yellowish or brownish discoloration of the nails is a sign of nail fungus. The nails may become brittle (crumbly), thicker and change shape. Sometimes they hurt too. The affected part of the nail may detach from the nail bed. Fungal nail infections are also referred to as "onychomycosis."

The big toenails are often affected. In the vast majority of people, the fungus develops at the front or side edge of the nail. It is less common for the infection to start at the base of the nail. This most commonly happens in people with a severely weakened immune system – following a serious illness, for instance. It might also occur after an organ transplantation because people have to take medication that suppresses the immune system.

Illustration: Nail fungus on the big toenailNail fungus on the big toenail

Sometimes the infection causes white patches to form on the surface of the nail instead. They might remain as dots, but they may also spread out. This is called "white superficial onychomycosis."

Illustration: White superficial onychomycosis on several toenailsWhite superficial onychomycosis on several toenails

Fungal nail infections are usually caused by fungi that infect the skin (dermatophytes). But they are sometimes caused by yeast or mold instead. Yeast infections usually occur on the fingernails.

A lot of people who have a nail fungus also have athlete's foot. Because of this, many experts think that nail fungus comes from athlete's foot.

Risk factors

There is no good-quality research into what might increase the risk of fungal nail infections. The following are thought to be risk factors:

  • Athlete's foot
  • Frequent contact with infectious fungi, for example in swimming pools and saunas
  • Damaged nails
  • Tight shoes
  • Certain skin conditions, such as psoriasis
  • Circulation problems in the legs, for instance as a result of diabetes or peripheral artery disease
  • A weakened immune system, for example caused by a disease like HIV, or by taking medication that suppresses the immune system
  • A genetic predisposition

Nail fungus on the fingernails mainly occurs in people whose hands are often moist, like cleaning staff.

Nail fungus is very common. It is estimated that 3 to 12% of the population are affected. Older people are more likely to have it than younger people.

Fungal nail infections don't usually have any serious consequences in people who are otherwise healthy, but they rarely go away on their own. If left untreated, the fungus may stay on just one part of the nail or it might spread out. It's not known how common that is, though.

Nail fungus can increase the risk of a bacterial infection of the surrounding skin in people with diabetes or a weakened immune system. The nail might also thicken, which can make it difficult to walk.

It's not always easy to tell a fungal infection from other nail conditions. For example, psoriasis can also affect the nails and look like a fungal infection. If doctors think that you may have a fungal nail infection, they may take a sample of the nail to be tested. A special dye can used to check the sample for fungal spores under a microscope. To find out which exact kind of fungus is causing the infection, though, a fungal culture needs to be grown from the sample. This can take about three weeks. Other – less common – tests are also an option, for example a closer examination of nail tissue in a laboratory.

Nail fungus is believed to often develop as a result of athlete's foot, so preventing athlete's foot could also prevent nail fungus. Because fungi grow particularly well in damp surroundings, it's important to make sure you keep your feet dry. You could try the following, for example:

  • Drying your feet using both a towel and a hairdryer after showering, having a bath or swimming
  • Wearing shoes that aren't too tight and let your feet breathe
  • Not wearing the same pair of shoes two days in a row
  • Taking your shoes off as often as possible
  • Wearing flip-flops when using swimming pools, communal showers and changing rooms
  • Not sharing towels, shoes, or socks

Damaged nails can make you more prone to nail fungus. Well-fitting shoes and socks that aren't too tight can help to protect your toenails from constant pressure when walking or jogging for longer periods of time.

It's recommended that socks, bedding and towels be washed at 60 degrees Celsius or more to avoid another fungal spore infection. There are also special products such as laundry sanitizers that kill fungal spores at low temperatures.

But there haven't been any good-quality studies on how effective these preventive measures are.

People often want to treat a fungal nail infection because they think it looks unpleasant. Treatment can also keep the nail from thickening and the infection from spreading.

Nail fungus can be treated topically (from the outside) with over-the-counter colorless nail polishes. They generally contain the ingredients amorolfine or ciclopirox. These substances stop the fungus from growing or kill it. They have to be applied regularly, sometimes for over a year. As well as nail polishes, there are also treatment sets that remove the infected part of the nail over two weeks. This involves using a urea-based cream to soften it first, and then scraping it off with a spatula. The skin beneath is then treated for a few weeks with a cream that contains the drug bifonazole.

Topical treatments aren't very effective. Tablets are usually needed to get rid of a fungal nail infection. They typically contain the drugs itraconazole or terbinafine. The choice of medication will depend on a number of factors, including what kind of fungus is causing the infection. The tablets usually have to be taken for at least three months to treat fungal toenail infections. Fungal fingernail infections may only need to be treated for six weeks. The tablets may have side effects, such as stomach or bowel problems. There's also a risk of liver damage, but that's very rare.

Learn more

Further information

When people are ill or need medical advice, they usually go to see their family doctor first. Read about how to find the right doctor, how to prepare for the appointment and what to remember.


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Booksellers get holiday bonuses from James Patterson

This is an archived article and the information in the article may be outdated. Please look at the time stamp on the story to see when it was last updated.

NEW YORK (AP) — Bookstore employees from Mystic, Connecticut to Houston and San Francisco all have a happy holiday story to share: a $500 bonus from bestselling author James Patterson.

Patterson announced Thursday that 500 gifts of $500 each — 100 of those gifts going to children’s booksellers — would be handed out for his annual Holiday Bookseller Bonus Program. The recipients were chosen from a pool of more than 2,500 nominations, with applications based on the question ““Why does this bookseller deserve a holiday bonus?”

The program is administered by Patterson and the American Booksellers Association, which represents the country’s independent bookstores. Patterson has donated millions of dollars in recent years to bookstores, school libraries and literacy programs.

“I’ve said this many times before, but I can’t say it enough: booksellers save lives,” Patterson said in a statement. “Children’s booksellers especially — they guide children to books they’ll genuinely enjoy and in turn create a new generation of readers. I’m happy to be able to acknowledge them and the important work they do in any way that I can this holiday season.”

Copyright 2020 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Is similar to Drake and Barric. However he has a different stance to the other two crows.

He measures approx: 5.5 cm x 6.5 cm (2  1/8″ x 2  1/2″).

Clean, clear, and easy to use, he is manufactured from high-quality transparent resin.

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2 Large-Cap Stocks Insiders Are Buying

BERKSHIRE HATHAWAYIn order to regulate insider trading, the SEC requires corporate insiders to report buying and selling their companies’ stocks within two business days. Some investors take advantage of this information by imitating insider transactions – and we absolutely agree. In our view, it is always a good starting point in picking which stocks to analyze by focusing on stocks with large, recent insider transactions. In this article, we are going to discuss a few large-cap stocks that have had big insider purchases recently – over the past week, from April 16 to April 20, to be exact. All the companies listed here have a market cap of at least $10 billion.

US Bancorp (USB): On April 18, Lee Mitau, EVP, General Counsel, and Secretary at US Bancorp, purchased 8,000 shares of USB for a total of $204,160, or $25.52 a share. The transaction was reported to SEC on April 20 and USB closed at $31.29 per share on that day. Mitau also purchased 1,500 shares of USB at $25.35 per share in late January. USB is quite popular amongst the hedge funds we track. At the end of 2011, there were 38 hedge funds with USB positions in their 13F portfolios. Billionaire Warren Buffett was the most bullish money manager about USB. His Berkshire Hathaway had $1.9 billion invested in this stock at the end of last year. Andreas Halvorsen, Jean-Marie Eveillard, Jeffrey Vinik, and Ken Griffin were also in favor of USB.

USB is exposed to relatively low risk. The company has prudent underwriting practices and a strong balance sheet. USB’s Basel II Tier 1 common equity ratio is 8.4%, well above the minimum of 7%. Its strong capital position indicates that USB has the ability to repurchase shares. The company has already bought back 22 million shares over the past year and another 16 million shares during the first quarter this year, and it looks like the trend will continue. USB has a share repurchase authorization of 100 million shares through March 2013. In addition to the benefits of share repurchasing, USB also pays out dividends regularly. It recently raised its quarterly dividend from $0.125 per share to $0.195 per share. USB’s current dividend yield is about 2.5% and its payout ratio is below 30%. The low payout ratio implies that USB has the capability of further increasing its dividend payments in the future, which is good for investors.

Like most financial stocks right now, USB is also trading at low multiples. The company’s current P/E ratio is around 12, on par with the industry average of 11.58. The company is expected to make $2.74 per share in 2012 and $2.99 per share in 2013, versus $2.55 per share for the trailing 12-month. With regard to valuation, competitor Wells Fargo & Co (WFC) looks more appealing than USB. Wells Fargo is expected to earn $3.27 in 2012 and $3.67 in 2013 – and it is priced lower relative to its earnings. Its P/E ratio for 2013 is 8.9, compared with 10.4 for USB. Both companies’ earnings are expected to grow at around 10% annually. Wells Fargo is also much more popular amongst hedge funds. There were 68 hedge funds with positions in the company at the end of 2011, including Warren Buffett to the tune of $10.6 billion.

The Mosaic Company (MOS): On April 16, Director Emery Koenig purchased 1,000 shares of Mosaic for a total of $50,249, or $50.25 per share. The transaction was disclosed to SEC on April 17. Another Director, Nancy Cooper, also upped her ante in the company buying 100 shares at $50.11 a share on April 16. The stock closed at $51.27 on April 20. However, for as bullish as insiders seem to be, Mosaic does not seem to be popular amongst hedge funds. Steven Cohen’s SAC Capital Advisors had $33 million invested in the call options of Mosaic, but the fund also had $2.5 million invested in the put options. Similarly, Ken Griffin’s Citadel Investment Group had $25 million invested in Mosaic puts and $21 million invested in Mosaic calls.

Though hedge funds are not very interested in Mosaic, we recommend the stock as a buy. Mosaic has very attractive valuation levels. Its current P/E ratio is 10.98, compared to the industry average of 18.35. The main competitor of Mosaic is Potash Corp of Saskatchewan Inc (POT), whose current P/E ratio is 12.5. Analysts expect Mosaic to make $4.36, $5.31, and $5.86 per share respectively in 2012, 2013, and 2014. Its estimated earnings growth is also encouraging. Analysts expect Mosaic’s earnings to increase by about 18% per year over the next few years, versus 15% for Potash Corp.

We are especially bullish about the potash segment of Mosaic. Mosaic recently settled a large potash contract in China, which will help to keep the company’s potash volume strong. We also see an increased demand for potash over the long term. Plus, the demand for the crop is growing, which will lead to higher potash application rates. We think Mosaic is prepared to benefit from the demand growth as the company has launched a brownfield expansion program in 2006. The company plans to add more than three million tonnes between 2011 and 2020.


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Albion William Anderson

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Frank Crystal & Co. Launches Marine Insurance Practice

May 23, 2012

Frank Crystal & Co., an independent insurance brokerage firm, has formed an exclusive cooperation with P.L. Ferrari & Co. to launch a new U.S.-based marine insurance practice. A European-based insurance broker specializing in marine liability for ship owners, P.L. Ferrari will work with Frank Crystal to offer protection and indemnity (P&I) insurance to American-based ship owners through bespoke transactional, technical and advisory support.

“Liability legislation around the world is heating up against ship owners, and the United States is no exception,” said Jamie Crystal, executive vice president of Frank Crystal & Co. and acting head of the new Marine Insurance practice. “Through our cooperation with P.L. Ferrari and the new Marine Insurance Practice, U.S. based ship owners will now have access to experts in P&I insurance in the world. Clients will have a customized program design aligned with the specialist advice for maritime liabilities.”

The new practice will be run by Paul Barnes who brings more than 25 years of experience building tailored products to help multinational ship owners manage complex global risks. Previous to his new role as managing director at Frank Crystal & Co., he was senior vice president and underwriter at the Shipowners Claims Bureau (managers of the American P&I Club) where he underwrote internationally trading ship owners in the U.S. and across the globe including Canada, Mexico, Greece, Turkey and Southeast Asia.

“Ship owners and charterers are facing a world of ever increasing regulation and governmental oversight,” stated Barnes. “Consequently, the liability regimes in which those owners and charterers find themselves operating mean an incident could threaten not only the ship, but the entire fabric of the company. It is now more critical than ever that owners and charterers receive specialist P&I advice.”

P.L. Ferrari handles all types of maritime disputes and P&I claims from charter parties, ship building and MOA contracts to the most technical cargo claims, oil pollution incidents, collisions, groundings, G.A., personal injury cases or stowaway problems. Offerings now exclusively available to the Frank Crystal Marine Practice include:

  • 70 multilingual staff members and six European locations all with direct access to P&I clubs and insurers.
  • 360 degree service offering: program design, placement, documentation, accounting, claims and advice.
  • Claims handling capability – virtual outsourcing of a ship owner’s claims handling needs.
  • Publications and analysis.

Prior to his roleat the Shipowners Claims Bureau, Barnes was a vice president at Charles Taylor P&I Management (managers of the Standard P&I Club) in New York for more than ten years, where he providing casualty response for all ship owner members of the club trading in and to the US and also managed P&I claims on a worldwide basis for all Americas based members. Previously he held several senior level positions over the span of twelve years at Richard Hogg International/Richard Hogg Lindley, including executive vice president, within multiple regions in the U.S. and the U.K. Barnes is a non-lawyer member of the Maritime Law Association of the United States and the Canadian Maritime Law Association, and a resident associate member of the Association of Average Adjusters of the United States and Canada.

The Marine Insurance Practice will operate within Frank Crystal & Co.’s Corporate Insurance Services Group, led by Ed Kiessling, executive vice president.

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This Is How Long Your Menstrual Cup Lasts

This article was medically fact-checked by Consultant Obstetrician and Gynaecologist Dr. Shree Datta.

If you’ve taken a spin on our menstrual waste calculator, then you’re probably wondering how you can start minimizing the environmental impact of your period like, yesterday. Never fear – menstrual cups are here!

Part of their increasing popularity is the fact that they create way less trash every month than pads and tampons, because these handy little cups can be used for multiple periods. Exactly how long can you use your menstrual cup before it needs to be replaced? Let’s take a look!

Your Latest Long-Term Relationship

Your relationship with what’s-their-face down the hall in your first-year dorm didn’t last more than a month, but Intimina menstrual cups are here to stay.

Caring For Your Cup

Before you first use your cup, it’s a good idea to give it a proper clean in boiling water. During your period, you don’t need to sterilize your cup because of its body-safe silicone design. Simply rinse in cold water first to clean and prevent stains, followed by hot water to sterilize, before reinserting.

Between periods, it’s best to again give your cup a good sterilization. To clean your menstrual cup, simply:

  1. Boil 3 cups of clean water on the stove. (Tap water is fine if you’re in a place with safe water but if not, use bottled water instead.)
  2. Submerge your cup but make sure the cup isn’t touching the bottom or sides of the pot. One way to do this is to put your cup inside a whisk to hold it away from the sides.
  3. Boil for 5 – 8 minutes then drain the cup and let it air dry. It is completely safe to boil the cups, but don’t boil the pot dry as this will destroy the silicone. If you feel strange about using a pot you cook with, you can buy a small one specifically for boiling your cup and store it separately.

When It’s Time To Say Bye-Bye

Cleaning and storing your cup properly will ensure that it lasts for a number of years – up to 10 years for most of our cups, but two years for Ziggy Cup because its silicone is thinner.

 While the body-safe silicone Intimina uses is very durable, we recommend that you replace your cup if you notice any cuts, punctures, or the forming of an oily or sticky film. Slight discoloration is normal and may occur over time, and it’s okay!

Any discoloration that occurs will not affect the effectiveness or safety of the cup.

Facts checked by:

Dr. Shree Datta

Dr. Laurie Mintz, Ph.D.

Dr. Shree Datta is a Consultant Obstetrician and Gynaecologist in London, specialising in women’s health including all menstrual problems such as fibroids and endometriosis. Dr. Shree is a keen advocate for patient choice, having written numerous articles and books to promote patient and clinician information. Her vision resonates with INTIMINA, with the common goals of demystifying periods and delivering the best possible care to her patients

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Thread: Can YOU advise me good EU webshops for Russian watches?

  1. #1
    Loves to yap about quartz I-B's Avatar
    Join Date
    Nov 2014

    Question Can YOU advise me good EU webshops for Russian watches?

    Hey IWL'ers,
    i want to buy my first Russian watch, but i don't know anything about the sellers, could you help me by posting links (EU only pls) to quality webshops?
    kind regards,
    Inca Bloc

    (ps : i posted it here cos there is more traffic in this forum)
    Last edited by I-B; Jan 14, 2015 at 04:44 PM.

  2. #2
    For Vostok, Meranom.

    For a number of other brands (3133s, Poljot International, Agat),

    If you are looking used, some quality sellers on eBay are asap31 (for Vostoks but he has other stuff sometimes), samun_povt (for Raketa, serviced before sold), sovieterawatch (for a variety of old Russian watches), sovietunionwatches (for a variety) and svtrrts (for a variety, serviced). All these sellers are based in Europe so I'd assume they would ship to Europe.
    Last edited by 93EXCivic; Jan 14, 2015 at 05:36 PM.

  3. #3
    The Dude Abides Nokie's Avatar
    Join Date
    Nov 2014
    Northern CA
    I have purchased from asap31 on eBay before a few times and had good results.
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Release It!

The Flash plot leak may reveal plans to make the "Snyder Cut" canon

There's a way for the Snyder Cut to exist in the DCEU that doesn't involve time travel.

After endless delays, The Flash standalone movie was finally gearing up to begin production. It even had an official release date, with director Andy Muschietti planning to adapt the Flashpoint comic storyline for the big screen. Then the movie hit another snag, with the coronavirus pandemic throwing the entire DC movie calendar into chaos and The Flash star Ezra Miller seemingly caught on camera assaulting a woman.

We still don't know what all of this means for The Flash, but one recent DC Extended Universe leak claims to reveal what Warner had planned for the Scarlet Speedster and the rest of the Justice League. There's a lot to unpack in an admittedly sketchy rumor, but one detail stands out: The Flash could have paved the way for the infamous Snyder Cut to existing in DCEU canon.

Fans have speculated that the Flashpoint arc, which sees Barry Allen time traveling to prevent his mother's death, could be used to create an alternate timeline and reset the DCEU, erasing Batman, Superman, and the Justice League movie altogether. This leak seems to confirm it, while adding yet another interesting wrinkle.

With the forthcoming release of Matt Reeves’ The Batman, it's not clear whether Robert Pattinson’s iteration of the Caped Crusader will effectively erase Ben Affleck’s portrayal and Zack Snyder’s world-building in Batman v Superman and Justice League. DC’s Chief Creative Officer Jim Lee previously mentioned The Batman when discussing the DCEU, leaving many confused about how these two very different versions of Batman will relate to one another.

The Snyder Cut is still a big mystery.Warner Bros.

An alleged leak from FandomWire claims that after Flashpoint, the DCEU will be forever altered, meaning that Man of Steel, Batman v Superman and Justice League “will be gone.” That would presumably leave Pattinson as the primary Batman in a world that still includes Gal Gadot's Wonder Woman and Jason Mamoa's Aquaman.

Naturally, this leak should be treated with suspicion. The idea that Warner Bros. would simply erase these films from the DCEU continuity — even if it is haphazardly mapped out — is hard to believe. The uproar from Zack Snyder fans alone is probably enough to stop the studio from even attempted a reset.

However, if this leak is true, there is a way it could work in favor of the fabled Snyder Cut. FandomWire also revealed that The Flash would include two popular villains: Reverse-Flash and Mirror Master. In the comics, Mirror Master can create and control portals into the Mirror World, a fourth-dimensional replica of Earth that can be entered by way of the villain’s reflective powers.

Mirror Master and the Snyder Cut? Maybe.DC Comics

With that in mind, Mirror Master could actually create a mirror universe where Snyder Cut is canon instead of the Justice League movie we actually got. The gist is that the mirror-verse would carry on with the original timeline regardless of what’s happening on Earth. It’s not an exact science and it’s doubtful that this Flash supervillain will even be in the movie for any long period of time, but it’s a fun way to think about a new universe inside an already established one like the DCEU with one notable difference.

In terms of whether The Flash’s time travel shenanigans will actually reboot the shared universe, it’s something that admittedly falls in line with a previous Snyder idea. Yes, really.

During a commentary-fueled viewing of Batman v Superman, Snyder revealed a potentially twisted time travel plot for The Flash that essentially rendered the Justice League timeline (and the Knightmare sequence) moot. This idea would have paved the way for an alternate timeline that the Justice League would have had to undo in Justice League 2.

So, in a roundabout way, The Flash storyline keeps the Snyder Cut dream alive, and probably that’s as much as any fan can ask for at this point.

The Flash is currently scheduled to hit theaters on July 1, 2022.

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Financial close reached for $775 Million CPV St. Charles Energy Center in Maryland

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Financial close reached for $775 Million CPV St. Charles Energy Center in Maryland

Maryland-based Competitive Power Ventures (CPV) and partners Marubeni and Toyota Tsusho have closed financing with GE Energy Financial Services and 14 other lenders for the US$775 million CPV St. Charles Energy Center under construction in Waldorf, Maryland, USA.

Located 25 miles southeast of Washington, DC, the CPV St. Charles Energy Center is a state-of-the-art 725 MW combined-cycle natural gas-fired power plant using two reliable, highly efficient GE 7F.05 Gas Turbines and a GE D400 Steam Turbine. The project will be constructed by SNC Lavalin Constructors Inc. and operated by EthosEnergy Power Plant Services, LLC.

The project will sell its capacity, energy and ancillary services into the transmission-constrained SWMAAC zone of the PJM market. The benefits of a reliable water supply for efficient wet cooling, as well as the site's proximity to PEPCO 230 kV transmission lines and the Dominion Cove Point natural gas pipeline, make this one of the most cost competitive projects in PJM.

CPV St. Charles is financed under an innovative structure similar to one CPV introduced for the CPV Woodbridge Energy Center last fall. Paul Buckovich, CPV's CFO, stated:

The CPV St. Charles debt closing represents the second time CPV has successfully employed medium-term contract financing through the commercial bank market in the past year. Where very few commercial banks would consider lending to a project with such a profile just two years ago, CPV has helped evolve the lending market to where 10 lenders supported CPV Woodbridge and 15 participated in CPV St. Charles. The significant oversubscription of the CPV St. Charles senior debt package underscores the market's acceptance and appetite for innovative project finance structures, such as those at CPV Woodbridge and CPV St. Charles.

GE Energy Financial Services served as the administrative agent, and — through GE Capital Markets, Inc. — as CPV St. Charles' primary lead arranger and bookrunner to anchor US$550 million in senior secured credit facilities. GE Energy Financial Services has syndicated over US$2 billion in thermal power plant financing over the last 12 months.

Included in the project's US$260 million GE equipment and services order is the company's FlexEfficiency™ 60 combined-cycle engineered equipment package. The package comprises two, fast-start 225-megawatt 7F.05 gas turbine generators, one D400 steam turbine generator in a "2x1" configuration and two duct-fired, triple-pressure reheat heat recovery steam generators. GE also will support the long-term availability of the CPV St. Charles Energy Center through a 16-year contractual services agreement (CSA).

Once constructed and operational, the CPV St. Charles Energy Center will be one of the most efficient combined-cycle facilities in PJM.

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Stephen Hunt feels that the return of Stephen Ireland to the international fold could spell disaster for unity within the Ireland squad.

While admitting that Ireland has been the outstanding Irish player in the Premier League over the last 12 months, Reading winger Hunt says that his return would only serve to anger those that have worked hard to get the country to next year's World Cup Finals in South Africa.

"You might say it will help the camp but might hinder the camp too," said Hunt.

"If he comes back, he would be a good player to have and might get us that extra step to the World Cup.

"But if you tell someone who has been waiting for a chance that he is not going to the World Cup because he has come back in late doors, you might have a few players upset about it - especially at this stage of the campaign. That's fair enough, I think.

"I don't think he'll come back. We're probably better off forgetting about it until the campaign is finished. If Stephen Ireland did come back, then it would be a bonus for the team and everything else would have to work around it.

"But if was to come back now," added the 27-year-old, "it would come with extra media on the team at a time when it's vitally important we stay focused on qualifying for the World Cup. Stephen Ireland hasn't said much. It's more quotes coming from his dad. It's time to let it go."