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Phone: 09 431 5811

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Grandview Scissor Lift Pull Up Screen - 80" (16:10)
Grandview Scissor Lift Pull Up Screen - 80" (16:10)

Grandview Scissor Lift Pull Up Screen - 80" (16:10)

Projector Bulbs

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The Grandview Scissor Lift Portable Screen ticks all of the boxes for a portable screen. From its flip out legs that tuck away for transport and self-levelling feet, to its unique scissor lift mechanism, this well designed product is easy to use.

The scissor mechanism is self-supporting, and ensures it extends or retracts under constant pressure. Why is this important? It makes your screen super easy to use - you don't need to be strong or tall, and it won't suddenly retract risking injury or damage.The Grandview Scissor Lift Portable Screen has many applications - from business presentations, home use or in training scenarios.

  • An alternative to the traditional tripod screen.
  • Screen occupies a smaller footprint on the floor – ideal for smaller meeting rooms or where you want to put the screen up against a wall.
  • Screen is smoothly pulled up from the casing and is supported at the back by an innovative scissor design.
  • This unique design maintains screen flatness.       T
  • he casing is stabilised by feet that swivel outwards from the casing.
  • These feet are self-levelling – ideal for uneven floors.
  • Quick and easy to raise and lower – particularly for smaller people.
  • There is a lockable handle built into the casing, making it easy to carry.
  • Lightweight and very easy to transport.
  • Projection surface is Plana R.
  • Black casing
  •  Image size 1725 x 1075mm
  • Casing 1930mm, 6.1kg


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Project Pearls 9th Anniversary Celebration at Solution Space PH

August 31,2019

Space Solutions PH

Makati City

The best way to end the anniversary month of Project Pearls is to celebrate its milestones and 9-year journey with the family, friends and partners for a special day.

People who have been part of our humble beginnings up to our current bigger and greater mission were all gathered one fine Saturday afternoon at the Solution Space PH in Makati City, Philippines!

We had several booths to showcase our various programs that we run to fulfill our mission.

All these booths were creatively ingressed by our hardworking staffs and volunteers just hours before the official start of the program. Hats off to our volunteers!

Here’s the list of our programs and special projects that were highlighted during the event:

Nutrition and Health Care. We built a Health Clinic in Tondo, Manila to attend to medical needs and health care of poor people who cannot afford to have medical care. We also conduct Medical and Dental missions supported by our partners and donors.

Daily Feeding Program. This happens everyday on our adopted community in Tondo, Manila wherein we feed hundreds of children living in the slums.

Scholarship Program. We have hundreds of scholars in Bulacan, Tondo, Zamboanga and Cavite from nursery to college. For the School Year 2019-2020, we have a total of 500+ scholars.

PEARLS Learning Center in Bulacan. We built a 2-story building in our adopted community in Batia, Bulacan. This serves as our learning and training center and also as a venue for medical and dental missions.

After School Program. Every Sunday morning right after the feeding, we conduct tutorial sessions for the kids. This program aims to assist the kids with their academics. We usually focus on the English and Math subject.

LitClub. This literacy program is in partnership with a global NGO, Litworld.  We hold this every week on selected communities in Bulacan, Tondo, Zambales, Bicol and Zamboanga. We have Litclub mentors and members who regularly attends the sessions. Some of its sessions consist of read aloud time or storytelling, journal making, group works and artworks presentations.

Brain Booster. This program happens every Saturday morning after the feeding in Tondo and Bulacan. This aims to encourage children to bring out their creativity and inner passion for arts and crafts.

Cassie’s Bag of Dreams. Cassie Eng is one of our youngest volunteer and change maker. Every year, she spearheads fund drives in the US to give backpacks with school supplies to underprivileged children in different parts of the Philippines.

Adopt-a-Family and Christmas Toy Drive. This annual campaign happens every Christmas season wherein we give Noche Buena package and new toys to the thousands of poor families and children.

Memory Project with Project Pearls. Memory Project is our partner that distributes portraits to children. We had our Memory Project in Tondo, Bulacan, Guimaras and Tarlac in the past.

Fire and Typhoon Reliefs Operation. After the Yolanda typhoon hit Visayas area last 2013, we had the relief operations to help. And then last 2018, when a fire destroyed hundreds of homes in Tondo, we didn’t think twice to run a campaign and distribute basic needs.

And we also introduced our newest program, GROW or Giving Resources and Opportunities for Women. This livelihood program is initially for the women in Bulacan to help them have a sustainable source of income. All handmade products that they produce and sell were all made from upcycled materials.

We also highlighted our nine-year journey from a small group of dedicated volunteers to the foundation we are today.

Project Pearls started last 2008 when our founders Melissa Villa and Francesca were supporting a family friend’s two children to go to school. Two years later, Melissa saw a photo of a child worker in Ulingan, Tondo who was covered with soot and dirt from head to toe. The main source of this community where the child lived was making charcoal and scavenging from garbage. Since then, Project Pearls started to help this community through feeding and providing scholarships to the kids in that community. And the rest, as they say is history.

During the event, our Founder, Melissa Villa also introduced our future project which will be called as the Pop-up Bayanihan Village.

This will be for the homeless people where we can help them and for them to feel that they are not alone nor ignored. We are so excited to have this program on board before this year ends as everyone commits to help and support.

We are beyond grateful to have these amazing programs and fruitful years. We are not yet done and we are just starting!

Thank you so much to all the people who share their time, passion and blessings to make all of our programs possible. Project Pearls made it and continuously making it because of all the shared love and efforts.

We pledged to talk and walk our mission.

Happy 9th Anniversary Project Pearls! To more blessed years ahead!

Photos by: Divine Degollacion and Sidney Snoeck (Thank you!)

More photos are on our official Facebook page: www.facebook.com/projectpearls1

Project PEARLS is a registered 501(c)(3) non-profit organization with the State of California with a Federal Tax Id: 27-2624202.

Project PEARLS is a non-stock, non-profit and non-partisan organization registered under the laws of the Republic of the Philippines with the Securities and Exchange Commission (SEC) on June 6, 2011 with Company Registration Number: CN201109816 and Company Tax Identification Number: 008-060-835-000

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Trends and Perspectives on how Technology is Reshaping Industries & the Workplace

Innovation in technology and computing has brought about tremendous shifts in the way organizations and their industries are run. Today businesses no longer operate as standalone entities but are dictated by commercial pressure to either disrupt themselves or get disrupted in the process. Smart technology has evolved consumer behaviour in many ways, from orchestrating the way companies are built and sustained to acquiring talent, enabling mobility, communication, e-commerce, lifestyle and even entertainment.

The scale of industrial growth and digitalization is pushing for greater convergence among industries, a development that is likely to continue in the long run and engage multiple sectors. Today, online applications support multi-businesses on single user interface platforms and are cross-connected to portals and payment gateways that were previously independent. Technology and companies are modeling themselves to adapt better to this new ‘user-centric’ universe by rethinking talent management, leadership and key corporate goals.

The Propay Partners-Arvato Systems Malaysia panel discussion on ‘Convergence or Collision: Technology Reshaping Industries & the Workplace’ was a definitive take on how leadership and organizational models can embrace disruption across industries and support futuristic market trends. Organized by payroll and employee mobility solutions company Propay Partners, the panel was hosted by Arvato Systems Malaysia at their office in Jalan Tun Razak on 6th September 2019.

In his key note as moderator for the event, P Raj Kumar, Managing Partner, IRC Global Executive Search Partners/CnetG Asia noted how technology was pushing the envelope on everything that used to be business as usual. “A successful business model is one that is targeted at what customers want. And that’s the reason why most organisations are having inverted pyramid hierarchies with frontline employees engaging customers. If you want to be an innovative company, you must first be self-disruptive, whether it’s your thoughts, behaviour or practice,” he said.

The Art of Thinking from ‘Outside In’
Panelist Dr. Sekar Jaganathan, Digital Strategy Director at Kenanga Group, Malaysia’s largest independent investment bank, opened the panel discussion by encouraging corporations to “think from outside in” if they were serious about serving customers the way they liked to be served. “Your processes at work have no bearing to customer expectation. You have to talk about what the customer wants.”
Rakuten Trade, the company’s online equities business platform with Japanese-based Rakuten Securities Inc. is the first broking firm of its kind to go fully virtual. Customers can start trading within two hours of signing up. The whole world is moving towards a self-directed business model, one that is non-negotiated and non-intermediary based,” he said.

Dr Jaganathan, who also holds office as Honorary Advisor at Centre of Excellence for Artificial Intelligence in Kuala Lumpur, noted that insulating businesses from rigid structures, policies and processes was key to transforming organisations. “If you can’t engage with the people in your company then they are not going to champion your values to the customers,” he stressed. He also noted how empowering teams to make right customer choices, holding interactive sessions and prioritising service-oriented models could reflect positively for the company’s growth.
Leadership, he summarised, was always a job well done if one knew the kind of people one led. “Know what people’s passions are – not their academic qualifications or job experiences but where their talents lie. We have to nurture it. Sometimes talents outside your team understand your business better; it’s just that they don’t get an opportunity,” he added. A mindfulness practitioner and a meditation guru for the last ten years, Dr Jaganathan says mindfulness to people and their commitment enables them take ownership of their organisation. “It takes a good leader to really understand his/her people. It’s true that some youngsters don’t have leadership skills, but the real problem is when senior leaders don’t have it.”

Super Apps & Real-Time Problems
As Global People & Organisation Development Partner at Grab Holdings Inc., Priyadarshini Thillainathan upholds the same credo that 7000-odd Grabbers across 8 countries and 300 plus cities live by. “We solve real-time problems. Our approach to disruption was to change the face of technology and embed disruption both in our personal & professional lives,” she said.

Grab’s matrix environment and pace of growth has made it one of the most inspirational startups stories in Asia. Like other competitors, Grab, traditionally a ride-hailing app has now worked its way into groceries, food & express delivery, ticketing, credit, cash transfers, insurance, and most recently, healthcare. “At Grab, we are constantly thinking of disrupting ourselves before someone else tries to do it to us,” she pointed out.

In the wake of expansion within the company and outside, the way the organisation deals with talents, performance and learning seems to be as innovative as its some of its popular on-demand services. Grab360, an in-house platform is a tool where Grabbers ask peers or direct reports or feedback thereby crowdsourcing performance reviews. “Like many fast moving companies, we don’t use KPIs as we work in a dynamic environment where we work towards achieving stretched goals. We instead, use Objectives & Key Results (OKRs) to set shorter goals that help us become more agile and learn continuously,” she added.

Grab’s learning opportunities focus on peer coaching and group coaching rather than long classroom sessions. “We use micro learning, workshops that are just half day and have bots that push out facts and nuggets in a timely fashion. That’s how we replace the ‘push’ approach in learning with the ‘pull’,” Thillainathan explained. With a good number of Millenials and Gen Z Grabbers at hand, traditional learning does not always apply at Grab. “We are currently exploring how we can help Grabbers to think about careers, like the GPS mode of travel - where can I go from here with the skillsets that I have? And what else can I develop to enable me to grow? Grab looks more at driving these forces,” said Thillainathan, who also designs Lego Serious Play workshops & is a certified NLP practitioner.

Challenging Traditional Ecosystems
Rahul Chawla regards innovation to be driven by changing consumer behaviour and organisational transformation. Industries are converging against the backdrop of an increasing desire to have everything under a single point of touch. As Director, SEA & Head - Malaysia, Human Capital Solutions, Chawla draws experience from human capital consulting for financial services and general industry. where his specialization centers on Performance, Rewards & Governance.

“From a technology standpoint, as well as a business model standpoint, there is complete convergence of industries. Companies like Grab and Alibaba value proposition is not in disrupting businesses but making lives easier for customers. Today, banks and retailers are coming together to work on a single platform enabled by a technology company that is built by product developers or specialists. This is an example of convergence. One would ask where collision happens. These platforms need cyber security and product delivery talent on a consistent basis. And where do they get them from? From the likes of Grab, Rakuten etc. bringing about collision and frequent talent shortage. Industrial ecosystems are being increasingly challenged and developed because customers want it,” he explained.

Financial regulation, he added, also accounts for tension, which makes it a collision factor. The emergence of disruptive companies has resulted in tougher PDPA, GDPR, KYC compliances for tech companies now. Still, financial services are way more tightly regulated and have to comply with a range of regulations impacting their business and talent strategies. He also underscored the reason why digital companies were structuring its departments differently. “These companies structure their roles on people who are core to the business – those who bring in revenue, jobs innovation, support and ideas to their businesses. There are no pyramids; companies are disrupting their hierarchies. Compensation is still attached to the person and the value of the job. It is becoming increasingly dependent on market forces and what the customer demands. These products have short development life cycle. They just make products and move on to the next one,” he observed.

As a specialist in Rewards, Chawla also pointed out why rewards are an important factor especially in the Asia Pacific context where it’s one of the 3 or 4 key engagement drivers. “Rewards are an important process, and should not be mistaken as a business objective. It’s a consequence to an action, mostly KPIs. To satisfy shareholders’ concerns on making the business viable, companies need to have a scorecard on stretch goals that details, for instance, ways on how to make revenue from digital sources. In short, having a scorecard with respective models in place, and agile teams will help digital companies survive. Stretch goals require a big leap of faith and also require more payment to the people who perform them,” he concluded.

© Copyright Propay Partners (538768-K). All rights reserved.   Digital Alchemy by XIMNET
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4 Bedroom House For Sale in Floriana

Price on Request

Property description

A rare opportunity to acquire a seafront TOWNHOUSE in the best location facing the Grand Harbour with spectacular views of the Three Cities and open sea. Accommodation comprises of a grand entrance hall, a good sized central courtyard, 4 bedrooms, 2 bathrooms, kitchen/breakfast, dining room, living room, sala nobile, a large basement and roof terrace with fantastic views. Having a footprint of 110 sq m and loads of features such as traditional Maltese floor tiles, vaulted ceilings, balconies the house has great potential for expansion and conversion. Freehold. Highly recommended!
Ref: 000380 Size: 110sqm Bathrooms: 4

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€500.62 per month*

* value may vary depending on provider and your circumstances

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Disclaimer - Property reference 000380. The information displayed about this property comprises a property advertisement. PropertyMarket.com.mt makes no warranty as to the accuracy or completeness of the advertisement or any linked or associated information. The information is provided and maintained by Oyster Real Estate.


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/ Blog / How to Protect your Property Management Nest Egg

How to Protect your Property Management Nest Egg

How to Protect your Property Management Nest Egg

When you own a property management business, your work is about more than simply completing a job. As an entrepreneur, you pour your time, energy and talent into growing your business—and often work well beyond the typical 9 to 5 schedule. The business represents your livelihood, and its success impacts your ability to live a comfortable life, provide for your family and prepare for retirement. Your business is your nest egg—but is it protected?

Here are four areas you should evaluate that can help you understand whether or not your nest egg is being protected:

1. How profitable is my property management operation?

While you may have a general idea of how your business is doing, do you know the specific numbers? Measuring revenue per unit allows you to see which properties are bringing in the most money, and which ones are struggling. Revenue per owner should also be tracked to help identify your top owners.

2. What criteria do I use to make decisions?

Are your business decisions based on strategy and fact, or on emotion? Before acquiring a new owner portfolio, we recommend you do as much research as possible and conduct a thorough business analysis. This will help protect your business from unsound investments, and lay the foundation for success at each of your properties.

3. What’s happening in the market?

Do you stay up-to-date with the latest market conditions and trends? Are you aware of how you stack up against competitors in your area? Get all of the details possible to determine how much you should be charging owners and the appropriate rent to charge, along with what other opportunities and challenges may be ahead. It’s also important to be familiar with your target owner demographics to reach more of them – keeping their property occupied and profitable is the goal you’re ultimately helping them fulfilled.

4. What are my goals for the future?

Knowing that you want to become more profitable simply isn’t enough. Instead, we recommend you set specific key performance indicators (or KPIs) and benchmarks you aim to reach during a certain time frame. Start by knowing your past growth figures and take time to reflect on current conditions both inside and outside your business, then set realistic expectations for the future and identify the tools you need to make it a reality.

As you develop your property management business, it’s important to focus on both the big picture and key details. We challenge you to evaluate each area of your business and take a proactive approach to measuring profitability. This will keep your nest egg protected and better equip you to work toward a successful future.

Contact Sales


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Wilmington Luxury Homes and villas

PropGOLuxury offers the greatest selection of Wilmington luxury homes for sale and Wilmington luxury homes for rent on a convenient property listing portal. If you are looking to buy Wilmington luxury property or lease Wilmington luxury property we make it easy to find your dream home by letting you filter using listing search results. You can also find local Wilmington real estate agents and Wilmington property professionals to help you sell Wilmington luxury homes or rent your Wilmington luxury homes.

Featured News

There are 218 Million-Dollar Cities in the U.S.

Zillow is reporting there are now 218 U.S. cities with a typical home value of at least $1 million, up by three localities over the past year.

Top 10 most expensive luxury homes sold in 2019

Real estate consulting firm Miller Samuel Inc. has compiled a list of the most expensive residential real estate deals of the year.

2020 Pantone Color of the Year | Classic Blue

Since 2000, color matching powerhouse Pantone® has welcomed in the New Year with its Color of the Year announcement...

Home Court Advantage | Five Homes with Private Bocce Courts

A game of bocce—on a private court just steps from a home filled with luxurious amenities—is the perfect way to pass the time during the last glorious weeks of summer and the first cool days of fall.

5 Interior Design Trends to Bring Home from Luxury Hotels

With design-forward hotels popping up on every corner of the globe, it can sometimes be hard to choose where to land—and even harder to leave at the end of your stay.

A big drop for high-priced homes

The average sale price for luxury homes nationwide fell 1.6% to $1.55 million in the first quarter of 2019, according to Redfin, the first quarterly decline in three years.


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Highlights from Season 8 Premiere of Total Divas, Alexis Bliss Shares Awkward Throwback Photo

Season 8 of Total Divas premiered tonight, part of WWE’s big Wednesday night that also included the move of 205 Live to 7:00pm before NXT and the Mae Young Classic. WWE has uploaded highlights of the premiere which are available above and below.

Alexa Bliss Shares Awkward Throwback Photo

She may be the goddess of WWE today, but it seems like Alexa Bliss had a totally different style back in the day. The five-time women’s champion shared a photo of a much younger and slightly awkward Bliss.

Read More
Wilkinson’s Wish List: 5 Things We Want To See From WWE NXT In 2020


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Online Q&A with the Batumi Stadium stakeholders

In the following Q&A, we hear insights from a number of the stakeholders involved in the new Batumi Stadium project in Georgia:

Giorgi Ermakovi (GE), Chairman of Batumi Municipality

What benefits will the stadium bring to the local community of Batumi?

GE: First of all, I want to start by saying that the area was originally allocated to Leonidze Street, but then we decided to give the territory of the car manufacturing factory to the Government of Adjara. Actually this is the city centre, the Rugby stadium will be built next to it, on Leonidze Street, and the complex will be packed.

To talk about the stadium, in addition to sporting purposes, it will have another designation, in the form of the commercial properties that will be placed within it, which are required for the infrastructure.

The new stadium will allow us to carry out many types of events, including large-scale concerts. Everything has been considered, from VIP halls, restrooms, cafes, the shopping centres and a separate entrance for journalists.

I think that’s a very good project, even though there were a lot of offers, we liked this project.

David Baladze (DB), Minister of Economic

7 klm

What were the main criteria for the stadium’s design and philosophy, and how did it reflect in this project?

DB: Adjara has a great football history, on this basis we decided to keep the stadium in the city. This was one of the main requirements of the project and the company [BKA] did it, and suggested a project that will been one of the great objects for Batumi. Therefore, we should thank the company for the fact that they were able to do it and offered us a very interesting project, which provides for the visual part of the Georgian elements.

What makes this project unique?

DB: The main issue is to meet UEFA standards. In addition, it should be an excellent facility for the city, to meet all the standards and requirements, which will be important for the stadium.

To talk about the research we carried out, we searched for all the companies which are engaged in making such projects and found that BKA has worked on 22 football stadium projects, which is very important. We believe that the company will proceed with the commitments made in the contract and respectively with today’s situation, everything is going successfully. This project is unique in the fact that there are visual parts of the Georgian folk elements [within the design], and I want to thank them for that.

What benefits will the stadium bring to the local community of Batumi?

DB: To talk about the benefits this stadium will bring to the local community, we can say that it will be in accordance with international standards and it will host guests in world-class surrounds. Also, as you know, the stadium will be covered and the stands will be roofed, which will allow us to host some concerts and events, which is not possible today. In our region, the weather conditions are unpredictable and it is an interrupting factor. This stadium gives us a possibility to make independent decisions with its infrastructure.

How will the stadium engage with the fans or give them the maximum experience at an event?

DB: As you are aware, we made a decision that the Olympic Stadium should be replaced by a stadium with football at its core, which is very important for the fans, who were asking for it. Accordingly, the capacity of the stadium is approximately 20,000. With the information provided by BKA, the lightweight construction of the stadium gives us the possibility to increase this number to 25,000. In addition, we are planning and searching for the infrastructure which is suitable for the football clubs. Depending on this, we will have created a venue that provides high levels of satisfaction, pleasure and interest to football fans.

Otar Fedichkini (OF), FC Dinamo Batumi President

5 (2) FC Pres

What requirements did the whole project have? Legal, constructive, physical, technical etc.?

OF: The Commission of the government was established and licensed in the agreement. The stadium’s capacity was calculated at 20,000 spectators to meet UEFA and FIFA standards.

What is your idea of ‘inheriting’ the traditional culture?

OF: I am a traditional person and I will defend my traditions.

What makes this project unique?

OF: This project is very important for the world of football, for Batumi and residents of Batumi, because years ago the stadium was destroyed, therefore the football teams were collapsed and it virtually disappeared.

What benefits will the stadium bring to the local community of Batumi?

OF: It will be very important. All my childhood I spent in the stadium, in fact I grew up there, the only reason I was going home, was sleeping. The stadium was on the boulevard and every passer-by was coming to the stadium to watch Dinamo Batumis’ training. After that, we had not such a luxury. When the stadium is built, many teams will gather, the young and national teams will have matches here. Dinamo Batumi has many fans.

Are you hoping that a stadium of this quality will mean that Batumi can bid in the future to host international sporting events?

OF: I want to repeat that the National Teams will be playing in this stadium. Everybody will want to host matches here.

Batumi Stadium: Fact File

This representative football stadium in Georgia’s most famous holiday destination will be built alongside a newly created avenue in the western part of the city, just a short walk away from the beach.

One of the main design challenges was to fit a 20,000-capacity stadium into the existing site without rotating it from the north-south axis (preferred for sunlight access).

Altogether, the stadium will sit on a plot of 87,000sqm, with space for approximately 1,000 vehicles. Its form was created by Bahadir Kul Architects (BKA), the renowned Turkish architectural firm responsible for numerous stadium in the region, including the 40,000-seat stadium in Konya.

The concept is inspired by Georgia’s passion for dance. It utilises the motion of ‘whirling’, in common with the dances of the Caucasus. The building’s outer skin captures motion in a well-delivered way, producing a dynamic impression.

Neutral by day, the cladding will be dynamically illuminated at night to represent colours of Georgia, Adjara region or local football team Dinamo (of course other combinations will also be possible).

The double-tiered stands have a traditional layout and split the audience almost perfectly between the lower and upper decks, 10,040 and 9,995 seats respectively.

The detailed design is now complete, with the stadium to be ready by the end of 2018.


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Peter Parker

Expert in PTE

About Peter Parker

I am an Expert in PTE and an English Trainer , Masters in English . I have taught people all over the world that includes people of India , US, UK , Australia. Long List of happy students that includes, Professionals, Doctors, Lawyers, Engineers, Managers,Civil Service aspirants, Foreigners, Students and, Housewives. I am well versed with US and UK Curriculum . I also take classes for kids from 1 to 10 grade for reading comprehension grammar and vocabulary.

Peter Parker Courses

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PNS Daily Newscast - January 17, 2020

Gov't. Accountability Office rules that Trump administration violated federal law on aid to Ukraine; and racial disparities in health care.

2020Talks - January 17, 2020

Just a couple weeks out from the Iowa caucuses and New Hampshire primary, four Senators are being pulled off the campaign trail for the impeachment trial of President Donald Trump.

Archive: February 13, 2012

ST. PAUL - Finding the perfect child care provider can be tough for any parent, but if your child is disabled or has special needs, it can be even more difficult. Karen Fogolin, associate director of the Minnesota Child Care Resource and Referral Network, advises focusing on the place and the progra ...Read More

COLUMBUS, Ohio - New programs are helping Ohio homeowners become more energy-efficient and cut their bills. Through weatherization, home energy audits and rebates on lighting and appliances, Ohio's major utilities are all implementing programs that are changing the way people use energy. Dave Rin ...Read More

Pending Florida legislation could convert some 500,000 acres of publicly owned shoreline into private ownership. Opponents, including Audubon Florida Director Eric Draper, warn that it's a land grab move backed by Florida agribusiness interests. "One bill I'm very concerned about sets the ordinary ...Read More

EAST GLACIER PARK, Mont. - An East Glacier Park scientist and professional photographer is on a mission. He wants to be sure there are plenty of "before" pictures on hand as the landscape, and people, change on the Blackfeet Reservation. And he is making his collections of photos and maps available ...Read More

KANSAS CITY, Mo. - If it seems as though everyone around you is sick, you may be right. Influenza season has picked up steam in the last three weeks in Missouri, according to the Centers for Disease Control and Prevention. It's definitely getting worse, says infectious disease specialist Dr. Chris ...Read More

OCONOMOWOC, Wis. - A romantic night on the town for Valentine's Day can be packed with food that's no good for the heart. However, following some easy tips can show you care about your loved one's heart. If your night out includes a visit to a restaurant, says Tammy Gallow, a registered nurse and r ...Read More

INDIANAPOLIS, Ind. - As Hoosier lawmakers consider reinstating cursive writing as a requirement for public schools, an Indiana University neuroscientist testified about her research on preschoolers learning the alphabet by printing letters, versus typing or just visualizing them. By using functional ...Read More

California's outdoor-recreational industries are teaming up to send a message to Congress to reject legislation they say is an assault on public lands. The Wilderness and Roadless Area Release Act by California Congressman Kevin McCarthy (R-Dist 22) would give developers access to 60 million acres o ...Read More

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Sheath Vintage Wedding Dress

Vintage glamour done right, this sheath gown from Essense of Australia brings the glam to any wedding day. A high, slightly bateau neckline creates an air of elegance with this style and is accented by beaded straps that continue down through the side of the gown, highlighting sheer side cutouts. Visible, curved seaming is shown at the front of the gown, curving to the body and showing off your shape perfectly. The back of this gown features a deep V, adorned on either side by beaded illusion tulle, creating a sexy style. The back of this vintage wedding dress zips up beneath fabric-covered buttons.

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Alternative Finances

Mike Cagney’s Figure Launches Blockchain-Powered Online Home Equity Loans

Mike Cagney first made his name in financial services as the founder and CEO of SoFi, an alternative credit startup that got its start re-refinancing student loans for graduates of elite universities. SoFi grew up quickly, expanding both the number and types of products it had on offer (mortgage loans, personal loans, wealth management services and life insurance) and its ambitions for what type of firm it wanted to be.

It briefly looked as though SoFi was on the verge of becoming a bank itself — though as it turns out, that ambition was never to be. Shortly after SoFi began to embark on the process of seeking a bank charter, Cagney stepped down from SoFi’s helm in September 2017.

After his departure from SoFi, Cagney moved quickly on to his next venture: Figure Technologies Inc, a new online lending venture built around using the blockchain to offer cheaper, faster and more efficient digital loans products.

Figure rolled out the first of those products yesterday: a digitally processed home equity loan that it claims can cut approval time to five minutes. According to Cagney, those Figure loans can range between $15,000 and $100,000, with funds made available to users in five days — down from the 45 days that such products usually take.

According to Figure, home equity loans carry lower interest rates and monthly payments than do personal loans — but personal loans are so much easier to secure (not to mention faster) that consumers often opt for the more expensive form of credit simply to save time.

“You have a lot of documentation to upload, a lot of expenses and trips to the notary, and so people avoid it and just prefer to take out a personal loan or credit card loan,” Wendy Harrington, chief marketing officer at Figure, said in an interview.

Figure leverages blockchain technology to record and track information on the loans, which in most other ways will be fairly typical home equity line offerings. Annual percentage rates will start at around 5.99 percent and borrowers will be able to repay in five, seven, 10 or 15 years. The company will charge an origination fee ranging from 1 percent to 3 percent of the initial drawn amount.

Figure is available in 25 states — and holds all of the loans on its balance sheet. But both of those things are due to change, Harrington says.  Figure aspires to be up and running in all 50 states by the end of next year — and plans to securitize and sell at least some of the loan packages they create.

The firm also plans to extend its product offerings beyond home equity.

For its second product, Figure will innovate a reverse mortgage which allow homeowners to sell and lease back their property over time.  No word yet on what that product will look like exactly.

The firm has raised $50 million from investors, including venture capital firms Ribbit Capital and DCM.  Arthur Levitt, former chairman of the U.S. Securities and Exchange Commission, is an adviser to Figure.

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Centre for Commercial Law Studies

Prof. Olivares-Caminal and Sir Blair deliver keynotes at international forums

24 July 2019

A man stands in front of a room of people seated at two rows of tables. He is making a presentation.Professors Rodrigo Olivares-Caminal and Sir William Blair recently delivered key note speeches at the Symposium on Globalization, Peaceful Development of China & Major Transnational Litigation and the 4th ECUPL International Financial Law Forum Agenda.

This event was organized by the School of International Law and East China University of Political Science and Law (ECUPL), and hosted by the Centre for Commercial Law Studies, Queen Mary University of London, the QMUL-ECUPL  of Global Financial Governance and Rule of Law, Xiamen School of Law, and the Shanghai Overseas Returned Scholars Association (SORSA).

Prof. Blair’s key note presentation was on the current developments on financial dispute resolutions and the importance of the rule of law. Prof. Olivares-Caminal’s key presentation focused on the emergence of new financing avenues in the sovereign context and the increase on rogue sovereign litigation, which can have an impact on the Belt Road Initiative.

This was part of QMUL-ECUPL established collaboration and Prof. Olivares-Caminal’s continuing relationship with ECUPL in his capacity as Oriental Scholar.


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What is the Difference Between a Traditional and Roth IRA?

Learn how traditional and Roth IRAs differ and which type is right for you.

Laura Adams, MBA
Episode #173

I’m a big fan of the IRA or Individual Retirement Arrangement when it comes to saving for retirement. But I’ve found that many people are unclear about IRAs; they aren’t sure who can have one or how an IRA really works. If you’re a more experienced investor, you may know the answer to those questions but still be uncertain about whether a traditional or a Roth IRA is right for you. I’ll help you with the answers to those questions in this and in the next article.

What is an Individual Retirement Arrangement (IRA)?

Okay, let’s start with the basics. A fundamental concept to understand about an IRA (or any retirement account, for that matter) is that it’s not an investment. An IRA is an account for your investments. Think of it like your house or apartment—it’s a shelter that protects you, but it’s not you. In a similar way, an IRA is also a shelter that protects your investments while they’re owned inside the account.

What Can You Own Inside an IRA?

You can put just about any investment in an IRA, such as stocks, bonds, exchange traded funds (ETFs), mutual funds, and CDs. There are even special kinds of accounts called self-directed IRAs that allow you to invest directly in less main-stream investments, like real estate and businesses. But I’m just going to focus on traditional and Roth IRAs here.

What is a Traditional IRA?

A traditional IRA is available to anyone who’s younger than age 70½ and has earned income. Earned income could come from your job, business, taxable alimony receipts, or even from your spouse if you’re married and don’t work. For 2010, you can contribute an amount equal to your earned income up to $5,000. However, if you’re age 50 or older you can make an additional “catch up” contribution of $1,000, for a total of $6,000.

What are the Benefits of a Traditional IRA?

If you, or a spouse, don’t have a retirement plan at work, like a 401(k) or a 403(b), you can deduct all your IRA contributions from your income. That means you don’t pay tax on the amount you contribute until you withdraw money from the account during retirement. Here’s an example: Let’s say you’re 30 years old, earn $35,000, and file taxes as a single person. If you max out your traditional IRA, by contributing $5,000 in 2010, then you only have to pay tax on $30,000—not on $35,000. The $5,000 IRA contribution gives you a tax savings of just about $850! So every dollar that you contribute to a traditional IRA lowers the amount of money that you’re taxed on in the current year. If you do have a retirement plan at work, you can still max out a traditional IRA, but some or all of your contributions may not be tax deductible, depending on your income.

Another great benefit of a traditional IRA (whether you have a retirement plan at work or not), is that when your investments grow in value, you’re not taxed on their growth each year. When you have a regular, non-retirement brokerage account, you do have to pay tax each year on income from certain types of investments, like CD dividends and bond interest. So, with a traditional IRA, you defer paying taxes on both your contributions and earnings until you withdraw money in the future.

Distributions from a traditional IRA can be made once you reach the official retirement age of 59½, and they have to be made after you turn 70½. If you get antsy and decide to take money out of a traditional IRA before you’re 59½, in most cases, you’ll be hit with a 10% early withdrawal penalty plus ordinary income tax on the amount.

What is a Roth IRA?

With a Roth IRA, your investments are allowed to grow completely tax-free, which is a really big deal.

Now, let’s switch gears and cover the Roth IRA. Unlike the traditional, the Roth is only available to those who make under a certain amount of money. I’ll go over the income restrictions in a bit.

How much you can contribute to a Roth IRA is the exact same as with a traditional IRA. As I mentioned, it’s an amount equal to your earned income up to $5,000 or up to $6,000 if you’re age 50 or older for 2010. With a Roth IRA there’s no age deadline for making contributions—you can put money in it for the rest of your life. Remember that for a traditional IRA, you can’t make contributions after you reach age 70½.

What are the Benefits of a Roth IRA?

The taxation of contributions to a Roth works just the opposite from a traditional IRA, because contributions are not deducted from your gross income. Another way of saying that is that Roth contributions are not tax-deductible. Let’s go back to my earlier example: You’re 30 years old, earn $35,000 and contribute $5,000 to a Roth IRA. In this case, you’d have to pay tax on your full earnings of $35,000. But the really great thing about a Roth IRA is this: that’s where your taxation ends. When you retire and begin to take money out, you won’t owe a penny in taxes. You don’t even have to pay taxes on the growth in the account that accumulated over many years! With a Roth IRA, your investments are allowed to grow completely tax-free, which is a really big deal.

Additionally, there’s no requirement to take minimum distributions at 70½, as there is with a traditional IRA. The money can sit there forever, which makes the Roth IRA a nice way to pass money on to your heirs. However, if you take money out of a Roth IRA before you’re 59½, you have to pay a 10% early withdrawal penalty on just your earnings.

What are the Income Restrictions for a Roth IRA?

Having a retirement plan at work has no bearing on a Roth IRA. However, as I mentioned above, you can’t contribute to a Roth IRA if you make too much money. The upper income limit depends on your tax-filing status and modified adjusted gross income as follows:

  • Single: $120,000

  • Head of Household: $120,000

  • Qualifying Widow(er): $120,000

  • Married Filing Separately: $120,00 (if you did not live with your spouse at any time during the year, otherwise $10,000)

  • Married Filing Jointly: $177,000.

How to Start an IRA

It’s easy to open up a traditional or Roth IRA at an online brokerage like ShareBuilder, E*Trade, or Scottrade. There’s also another way you can start a Roth IRA: Convert all or a portion of a traditional IRA into a Roth account. I covered Roth conversions in a previous post, so be sure to read that article for details about the new 2010 conversion rules.

Now that we’ve covered the basics of traditional and Roth IRAs, in part two of this topic we’ll get a little more advanced. I’ll give you tips for figuring out which type is right for you and tell you the best types of investments for each one.  And in part three we'll delve even deeper into the pros and cons of both IRA forms.  Lastly, If you're thinking about converting from one Roth plan to another, please read my Quick Tip on how Roth conversions are taxed.

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Be sure to check out the newest podcast on the QDT network: the Get-Fit Guy’s Quick and Dirty Tips to Slim Down and Shape Up! The host, Ben Greenfield, was voted professional trainer of the year in 2008 and sure knows his stuff when it comes to sports science and exercise physiology.

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About the Author

Laura Adams, MBA

Laura Adams received an MBA from the University of Florida. She's an award-winning personal finance author, speaker, and consumer advocate who is a trusted and frequent source for the national media. Her book, Debt-Free Blueprint: How to Get Out of Debt and Build a Financial Life You Love was an Amazon #1 New Release. Do you have a money question? Call the Money Girl listener line at 302-364-0308. Your question could be featured on the show.

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Workshop Description

Painting Images with Dyes: Procion Dyes on Cotton

Painting Images with Dyes: Procion Dyes on Cotton – #24103f

Day: Friday, 8:30 a.m. – 4:00 p.m.
Location: Conestoga AB
Teacher: Hollis Chatelain
Level: All Levels

Member: $88 Retail: $110
(Plus Kit Fee)

This workshop is designed to teach students how to paint with Procion dyes on cotton. Learning to control the dyes will be emphasized. Among other things, Hollis will cover blending, layering, special effects, and painting without bleeding while using no resists. All of these techniques can be used to create images as complex as portraits or as simple as a line on a scarf. Each student is asked to bring two or three 18″x 20″ designs or drawings that they will transfer onto cloth and then paint. These drawings can be as simple as drawings from a coloring book because you will mainly be concentrating on how to apply the dyes. Students will leave with a painted piece that could be worked into a vest, quilt, or pillow top. Let Hollis teach you her secrets for beautiful painted quilts!

Registration for this class includes show admission for Friday.


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Unlike many other Managed Service Providers our Helpdesk Support can be offered as a stand-a-lone service, as well as an add-on. This means or you can use our helpdesk as part of a fully-managed services agreement, but you don’t NEED to.

Who Do you Call when your internal IT Guy needs backup?

Race Computer Services would lend a helping hand to any fellow IT guy who many need assistance from time to time.  Our Helpdesk Support Services can be integrated into a fully managed service, or a co-managed service- or it can be offered as a stand-a-lone service for businesses who need a helping hand from time to time.

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Do you guys use overseas workers to answer the phone?

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As far as using workers from overseas, all of the call center agents are hand selected by English Speaking personnel- in order to select the agents with the best English speaking skills + Level 1 Tech support skills.  We think that these call center agents provide support equal to that of US-born residents.

Is Race Computer Services a good fit for your Helpdesk Support requirements?  Give a call today to find out.  (973)343-5479.


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Event Description

bREGISTRATION:Registration packets and late registration will be available at Landis Cyclery, Saturday, October 14th 1006 E. Warner Rd., (corner of Rural & Warner in Tempe) 2 pm - 5 pm. All entrants MUST sign a LIABILITY WAIVER at packet pick up (ID required).  Parent signature required if participant is under the age of 18 yrs old. HELMETS ARE REQUIRED!

Event details and schedule

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What’s so Right about Adam Smith?

71 72 his endorsement of the latter as opposed to the former see PhiLosophy of Right, para.67, and also my discussion in the earlier noted article in Radical, PhiLosophy 26. Phenomeno Logy, para. 196 . This is clearer in the discussion in the EnayaZopaedia: BegeL’s PhiLosophy What’ 5 73 of Mind, trans. lVallace and Findlay […]


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A Longitudinal Examination of Alcohol, Marijuana, and Cigarette Perceived Norms Among Middle School Adolescents

Published in: Drug and Alcohol Dependence, v. 133, no. 2, Dec. 2013, p. 647-653

Posted on RAND.org on January 01, 2013

by Eric R. Pedersen, Jeremy N. V. Miles, Brett Ewing, Regina A. Shih, Joan S. Tucker, Elizabeth J. D'Amico

Read More

Access further information on this document at Drug and Alcohol Dependence

This article was published outside of RAND. The full text of the article can be found at the link above.

Research Question

  1. Do the perceptions of adolescents about substance use among their peers change during middle school?

BACKGROUND: Adolescents tend to overestimate the prevalence of substance use among their peers and these perceived norms are associated with their current and future use. However, little is known about how perceived norms change over time during middle school, a developmental period when adolescents are at-risk for initiating substance use. METHOD: We examined changes in perceived norms of alcohol, marijuana, and cigarettes over a two-year period among a large and diverse sample of 6th and 7th grade youth (N = 6097; 50.1% female; 54% Hispanic). Participants completed a baseline survey and two subsequent annual surveys. Participants estimated the percentage of their peers they believed used each substance, as well as indicated levels of personal use, offers to use from peers, and exposure to peers who were using each substance. RESULTS: Perceived norms of all three substances increased over time. Increases were somewhat attenuated when controlling for demographic factors, personal use, and peer factors, but remained significant. Female adolescents and those reporting non-Hispanic White ethnicity experienced the greatest increase in perceived norms over time. CONCLUSION: Normative perceptions of substance use increase greatly during the middle school years, an effect which cannot be fully explained by demographics, personal use, or peer factors. Given that perceived norms are often associated with personal use, early interventions with middle school youth are warranted to prevent the growth of these influential factors during this developmental period.

Key Findings

Students' perceptions of substance use increased significantly during middle school years.

  • This effect is not explained by adolescents' own use, offers from peers, and exposure to peers who are using.

  • Research is needed to identify factors that may affect both the development and subsequent increase in these important beliefs.

This report is part of the RAND Corporation external publication series. Many RAND studies are published in peer-reviewed scholarly journals, as chapters in commercial books, or as documents published by other organizations.

The RAND Corporation is a nonprofit institution that helps improve policy and decisionmaking through research and analysis. RAND's publications do not necessarily reflect the opinions of its research clients and sponsors.


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International Women’s Day…Introducing Hayley: 8th March 2017

Last but certainly not least, we have the pleasure of introducing you to another one of our research scientists at Randox Biosciences on this year’s International Women’s Day. Introducing Hayley Johnston….

Hi Hayley! How long have you been working for Randox Biosciences?

I have been working at Randox Biosciences as part of the molecular diagnostics R&D team for 1 year.

Can you tell me a little about your position and what you do on a day-to-day basis?

My job involves the development of new molecular assays which will be used to improve healthcare worldwide. Day to day I work with both molecular scientists and engineers developing and optimising assays.

What do you enjoy the most about your job?

I enjoy how interesting and diverse my job is. I work on both molecular and engineering projects which positively challenges me. The combination of these two areas means my role is varied so I am always learning new skills. It’s also great to know that I am in a position that allows you to branch out into other areas of the business.

What is your proudest accomplishment at the job?

When working in research and development you have little accomplishments every day when an experiment works the way you anticipated.  At the minute, I’m looking forward to the completion of my current project and I’d say when this day comes, it will be my proudest accomplishment to see my hard work pay off.

Finally, any advice for other females interested in pursuing the same line of work?

I would encourage women interested in science and research roles to go for it! If you want a career that is interesting, challenging and varied then a role in scientific research is perfect.

We have loved introducing you to just a few of the fantastic women here at Randox Biosciences and showcasing their array of skills and talents! Thank you for joining us and supporting International Women’s Day!

There’s still time to join the campaign with us on Twitter and LinkedIn to show your support! Don’t forget to use the hashtags #IWD2017 & #InternationalWomensDay.

If you are interested in joining our fantastic and growing team, make sure to check out Randox Careers for all our current opportunities.


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Capped agency rates that have been implemented by NHS Improvement, the organisation tasked with helping the NHS sustainably tackle its short term challenges and longer term financial security, have been taking effect nationwide over the past few months. Capped rates have seen the amount that agencies are able to pay their agency workers slashed significantly over the past few months, which is inevitably affecting continuity in the supply of workers.

Since capped rates were implemented in November 2015, reports have shown that Trusts have 'broken glass' on the caps with a steady increase in breaches as the further caps kicked in (source: BBC News). It is important to note that many agencies supplying to the NHS do so from procurement frameworks such as Crown Commercial Services and Health Trust Europe (HTE), therefore were already in strict adherence to framework rates.

It could be argued that further reductions to match Monitor rates are effectively driving candidates into the hands of off-contract agencies, who know that Trusts can only let staffing shortages get to a certain point, before they need to bring external staff in, regardless of the cost.

We are working in partnership with our NHS clients to ensure that we can help them to achieve their cost-saving targets in relation to agency staff wherever possible. We aim to try and minimise disruption to agency worker supply wherever possible, and help ensure that Trusts can balance the need to maintain safe staffing levels along with cost-saving targets. We recognise the difficulties in attaining this complex balance, and will endeavour to work in partnership with each Trust to help develop a tailored approach, depending on each clients' needs.


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When co-founders Josh Williams and Eric Prum launched their first product as college students six years ago,  they knew their idea for The Mason Shaker was not only a good one, but it needed to get out into the retail world. The duo’s eye-catching and functional food and drink essentials can now be found in stores nationwide under the rapidly growing W&P brand, with no signs of slowing down. With the help of RangeMe, W&P is targeting retailers and tapping into new markets. Read on to find out how W&P was able to capitalize on emerging trends and implement RangeMe into their business plan.

Trendsetting products

In 2012, just as the mason jar trend was taking off, Williams and Prum were inspired to create their first barware product, “The Mason Shaker,” which turned the classic ball jar on its head, modifying and reinventing it into a cocktail shaker. The bar essential was an instant hit, and the duo decided to capitalize on their innovative design strategy and trend spotting aptitude to grow their product line from mixing glasses to ice trays to their leading product, the “Carry on Cocktail Kit” which is sold across retailers big and small. With a growing product assortment and distinctive, functional designs, W&P has established a name for themselves in the houseware industry.

In comes RangeMe

W&P is growing quickly and is seeing new opportunities to expand its customer base and reach new retailers that may not initially be familiar with the design-oriented brand. “W&P can currently be found anywhere from department stores to small independent mom and pop shops,” says Hannah Bartch, sales and business development manager at W&P. “There is even a section of the team that focuses on custom private label opportunities. We’re launching products every season, meaning we’re constantly searching for new retail stores to get into.”

Bartch decided to create a Verified RangeMe Profile because “a lot of grocery chains that we wanted to reach out to were already on RangeMe,” she says. “When you go to their product submission page on their website it directs you to RangeMe. This is what initially nudged us to create a profile since we saw a large amount of buying opportunity on the platform. The larger retail chains buying process is systematic and it is important to be on a platform like RangeMe if you want to get in front of the right people.”

Since being on RangeMe, the Profile Insights feature has become a favorite for Bartch and the W&P team. She uses it to track and manage retailers that have been checking out their profile and determine opportunities in retailers to connect with on and off the platform.

World take over

Currently, W&P’s bread and butter is their strong presence in independent and small boutique retailers. With their wide assortment of products, they see a huge opportunity for placement in grocery and specialty retailers, or even fast-casual restaurants.

The W&P team is also keeping an eye on trends that can help them design new products and determine which retailers could make strong, strategic partners. They’re investing in the sustainability movement, as they’ve seen its importance to consumers, in addition to being an essential part of the company’s overall mission. This initiative inspired them to launch the Porter collection in hopes of inspiring consumers to eliminate their single-use plastic.

W&P has seen strong success since their inception, which Bartch attributes to a sincere desire to bring to market products that work for everyone. “W&P has designed products for everyone that are of quality, that work, and are functional,” she says. ‘We are implementing all the necessary steps to increase our visibility with retail buyers. We are now found nationwide and we’re working on expanding globally. Get ready for world take over!”

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Problem of Evil based on a stealed concept?

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Problem of Evil based on a stealed concept?

Hello there!

When theists are challenged with the problem of Evil by atheists, they defend themselves by claiming:

"saying that it's evil for God to create natural disasters and sickness is

making a moral judgement about God which requires knowing ABSOLUTE moral standards,

but such knowledge can only be given by God,
so atheists accept implicitly God to disprove Him, which is an illogical reasoning
so the so-called problem of Evil is biased

What are your counter-arguments?

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I think the answers may

I think the answers may be:
1) God is a antropomorphic myth created by very ignorant, superstitious people. Therefore, he is not absolute and anyone can make moral judgement about him and about people who made it all up.

If they mean a supreme form of God, such as the universe itself, then theists are not more entitled to make any judgements on such topic than atheists.

2) If you talk to any narrow-minded hardcore theist... Let's say that God created us knowing about our small local moral absolutes (like that we prefer not to die in natural catastrophes) - and then violates them by sending natural catastrophes at us. If that's not evil, then it's at least mischievous Smiling

3) God can not give anyone ABSOLUTE moral standards, because we are imperfect people incapable of obeying them, or even comprehending them. The only thing that so far resembles an absolute moral standard, is the Golden rule, not sets of dietary, clothing, social, administrative, political and sexual rules.

4) It's "stolen", not stealed.

Beings who deserve worship don't demand it. Beings who demand worship don't deserve it.

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If God is the absolute

FYI, these are the actual considerations behind the 'problem of evil':

If God is the absolute standard of morality, then either:

Actions which cause massive injury, death, and sickness are not evil;

God is not causing those things, and does not have the power to stop them, so is not omnipotent.

Pain is good, and we should pursue it...

If God does not exist, the problem does not arise.

We do not require an 'absolute standard of morality" for adequately 'moral' behavior, just evolved mental predispositions to cooperation, which is advantageous for a social species, as we are.

The Golden Rule, or something like that, is all we need for morality, and it is independent of absolute morality or a God. There are better Rules, but that is a reasonable start, and establishes that secular morality is perfectly adequate.

We have identified the brain structures which play a fundamental role in helping us guide our dealings with others by understanding their feelings and reactions. They are called 'mirror neurones'.

We see cooperative behaviour, a sense of fairness, in other social species.

Even altruism has been observed in chimpanzees.

Those other arguments are irrelevant - all we need to know is that things happen that are not caused by man which cause great harm and distress.

Your 'arguments' are the typical theological sophistry we see as they try to find a way to wriggle out of an insurmountable problem.

Theists create the problem for themselves by insisting that God is good and benevolent, whereas all the evidence is that, if he exists, he is evil, or doesn't care about us.

Since they don't even have any way to actually 'know' anything about the nature or attributes of any Supreme Being purely by logical argument, the empirical evidence is all we have. So any assumption that God is 'Good', for example, is totally speculative, and against logic, because of all the unnecessary created evil in the world.

The "problem of evil" really is the stake thru the heart of the standard God concept.

Favorite oxymorons: Gospel Truth, Rational Supernaturalist, Business Ethics, Christian Morality

"Theology is now little more than a branch of human ignorance. Indeed, it is ignorance with wings." - Sam Harris

The path to Truth lies via careful study of reality, not the dreams of our fallible minds - me

From the sublime to the ridiculous: Science -> Philosophy -> Theology


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Rose Madder

By: King, Stephen

Price: $8.00

Quantity: 1 available

Book Condition: Fine

8vo. 420 pgs. Fine hardcover in Near Fine jacket. Dustjacket has 1/4 inch closed tear near bottom of spine. Black cloth and boards, red metallic lettering and detail. Frontis illus. by Mark Geyer. Jacket photo. George Kerrigan. Author photo Tabitha King. ISBN 0670858692. #153.

Title: Rose Madder

Author Name: King, Stephen

Illustrator: Mark Geyer

Categories: First Editions, Collectible, Bargain Booth, Science Fiction, Horror, Gothic, Fantasy, Fiction, Literature, Mystery, Classics, COMPLETE CATALOG,

Edition: First Edition, First Printing

Publisher: New York, Viking.: 1995

ISBN Number: 0670858692

ISBN Number 13: 9780670858699

Binding: Hard Cover

Book Condition: Fine

Jacket Condition: Very Good+

Size: 8vo - over 7¾" - 9¾" tall

Seller ID: 153

Keywords: Stephen King, Rose Madder, first edition, fiction, horror, modern Firsts, Spousal Abuse, Suspense, Supernatural,


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Beware of the 4 pole mini AV

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There is no convention for 4-pole mini(3.5mm) AV jacks!!!

I have found three different configurations among my cameras, monitor and video goggles. From the base of the male jack to the tip- it can be Ground, Video,Left,Right or V,G,R,L or R,G,V,L or ????. So if you are having problems getting things to work, this may be a source of some problems.

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Regional Employment Trials – A Tasmanian Success Story

Regional Employment Trials – A Tasmanian Success Story

An opportunity for work experience and job referrals

Recognising that some regions face challenges in terms of employment opportunities and growth, the Australian Government through the Department of Employment, Skills, Small and Family Business has introduced the Regional Employment Trials (RET) program in 10 disadvantaged regions, starting 1 October 2018. Tasmania’s north and north-west regions are included in the trial.

The trial provides the opportunity for local governments, employers, training organisations, employment services providers and community organisations to design and deliver employment and training related opportunities and assistance to unemployed people in their region.

A Local Employment Initiative Fund of $1 million was made available in each of the 10 regions, providing grants of between $7,500 and $200,000 for employment related projects. Regional Development Australia (RDA) Tasmania played a key role in the identification, assessment and promotion of RET projects to ensure they align with local needs. The program runs from 1 October 2018 and will conclude on 30 June 2020.

In Tasmania the $1 million fund has been allocated. Working with employment services providers, these projects will support approximately 700 job seekers prepare for employment across a number of locally relevant tailored activities.

The RDA Tasmania Committee encourages employment services providers and employers to support the trial projects by matching participants with work experience and job opportunities. If you’d like more information you can contact the North and North-West Employment Facilitator, James McCormack on 0428 299 262 or

For more information on the role RDA Tasmania has provided, you can contact RDA Tasmania’s CEO and Director of Regional Development, Craig Perkins on 04 09 395 195 or

A summary of each project can be found here


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Country Overview

Country Overview

The massive earthquake that struck Nepal on the 25th April 2015 caused over 3,000 deaths and affected the lives of millions. To support the humanitarian response, an emergency REACH team was deployed to the country only two days after the earthquake. The deployment focused on assessing the priority needs of the affected people, including shelter, food, health, water and sanitation needs.

Throughout the deployment, REACH teams conducted various assessments in the most affected areas, including some that were extremely difficulties to access. A total of 15 district profiles were established recording critical data on displacement, housing damage, temporary shelter infrastructure and humanitarian needs.

In August 2015, REACH was re-deployed to Nepal to support the monitoring efforts of the response of the Shelter Cluster and conduct an assessment for the Food Security Cluster.


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Suzuki Motability Offers

If you are eligible for the Motability Scheme, at Read Suzuki we have a range of vehicles available to help get you on the road. Many models are available from NIL Advance Payment and all offer a high specification, low running costs and represent excellent value for money.

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And So, Ahmed Hears

Children - Picture Book
32 Pages
Reviewed on 10/28/2019
Buy on Amazon

This author participates in the Readers' Favorite Book Review Exchange Program, which is open to all authors and is completely free. Simply put, you agree to provide an honest review an author's book in exchange for the author doing the same for you. What sites your reviews are posted on (B&N, Amazon, etc.) and whether you send digital (eBook, PDF, Word, etc.) or hard copies of your books to each other for review is up to you. To begin, click the purple email icon to send this author a private email, and be sure to describe your book or include a link to your Readers' Favorite review page or Amazon page.

This author participates in the Readers' Favorite Book Donation Program, which was created to help nonprofit and charitable organizations (schools, libraries, convalescent homes, soldier donation programs, etc.) by providing them with free books and to help authors garner more exposure for their work. This author is willing to donate free copies of their book in exchange for reviews (if circumstances allow) and the knowledge that their book is being read and enjoyed. To begin, click the purple email icon to send this author a private email. Be sure to tell the author who you are, what organization you are with, how many books you need, how they will be used, and the number of reviews, if any, you would be able to provide.

    Book Review

Reviewed by Kimberlee J Benart for Readers' Favorite

And So, Ahmed Hears is a picture book story written by Dawn Doig with illustrations by Renee Benoit. Told in rhyme, the story is about a two-year-old boy named Ahmed who doesn’t speak or sing. He also doesn’t seem to hear, which causes him to be knocked down by a swing in the playground and separated from his mother in the market. He can’t hear the sound of the sea in a shell put to his ear or the roar of the surf on the beach as the waves wash away his sandcastle. Ahmed’s mother takes him to see a doctor and an audiologist. They’re able to determine that he has a hearing loss and fit him with an aid that allows him to hear and begins the process of helping him learn to vocalize.

I really enjoyed reading And So, Ahmed Hears. Doig, who is a certified Canadian audiologist turned English teacher, wrote it as a humanitarian project to raise public awareness of childhood hearing loss and the need for early diagnosis. The story is touchingly told and beautifully illustrated. Hearing children will experience some of the frustrations and fears that can accompany undiagnosed hearing loss and they’ll rejoice with Ahmed when he can finally hear the sounds of people and nature. They will also learn that a hearing aid isn’t a point of ridicule or bullying for the child wearing it, but an amazing device that can bring hearing to children who otherwise wouldn't have it. A lovely and informative read for both parents and children.


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Does everything have a purpose? Can one find meaning in the most insignificant ant? Questions such as these arose as I pondered a photograph I took while strolling along the Singapore Botanical Garden.

Focused on the light filtering through the leaves, I saw a tiny ant making her way from the darkness into the light. I decided to make this little creature the symbol for the book ‘Chronicles of a Catholic Housewife: Forty Years Toward the Promised Land.’ And now, thanks to Reader’s Magnet Authors’ Lounge, I can share my thoughts further with you.

The book ‘Chronicles’ tells not only my personal story, but also searches for value in everyday moments. If one can find significance in a little ant, one can find meaning in every encountered thought and action.

With the title ‘Catholic Housewife,’ I affirm that the sublime can be found in simple activities. I would have felt lost on my forty-year journey had I not recorded every experience as a reflection of a deeper reality.

All of us share a universal quest to find joy in life. The book I wrote chronicles forty years into seven chapters. But with this article for Authors’ Lounge, I want to focus on the middle chapter. The first three chapters cover twenty years, as do the last three chapters. But chapter four (‘Joy Amidst Sorrow: Good Grief’) documents only a few days.

I will never forget the day I received the phone call which every parent dread. Our 13-year old son, who had gone out for a bike ride with his friend, had been taken to emergency. When I arrived at the hospital, the social worker asked me for, among other things, the name of a priest. I automatically gave her the name of our pastor, but could not understand why she asked for a priest. In my mind, my son Nick was going to be okay. When the priest arrived and saw the unrealistic expectation in my eyes, he gently stated, “Nick is now with God.”

“But we can pray!” I quickly contended. Filled with compassion, the priest took my hands and prayed, “Jesus, you raised Lazarus from the dead …” His words pierced my heart like a sword. I felt as powerless as that ant crawling along a tender vine.

“I have your husband on the phone!” the social worker came in to announce. As the wife of a ship’s engineer, I had always been able to handle life’s everyday problems by myself. But for the first time in my life, I needed to have my husband by my side. “You need to come home,” were the only words I could muster to say. The emergency call went out, the ship was turned toward the shore where a helicopter brought him to a port, then a train ride to the nearest airport in Japan. The trip would take three days. Three days for me to pray for a resurrection.

“Nick would want to do the right thing,” my husband told me after assessing Nick’s condition and meeting with a panel of 8-10 doctors. The medical group left the room and my husband asked a nurse to turn off the lights. Alone, we held each other in the dark. “Donating Nick’s organs will save lives,” he continued. “Saving lives is the right thing to do.” I had repeatedly been told that the only light out of this profound darkness was organ donation. I finally resigned myself and signed to donate Nick’s vital organs. Little did I know that part of the resurrection for which I had prayed involved the organ donation I had resisted.

I am not going to give away how Our Lord led me out of the depth of sorrow, of how I again found joy in my life. But I will say that in 13 short years, Nick experienced a lifetime of goodness. Plus, I am convinced that his life continues in heaven. And I know I would not have been able to protect him from the ills of the world forever. The priest was right. Nick is now forever in the care of Our Heavenly Father. And as a mother, what more can I want for my child?

Nick fulfilled his purpose in life. But it took me forty years to find God’s objective for me. Please know, dear reader, that God has a very special intention for you and for every human being on the planet.

The middle chapter of the book ‘Chronicles’ defines my life. Now I can see how I desired to return to a metaphorical Egypt in the first 20 years of the story. I wanted to return to a familiar, comfortable past. After losing my son, I could have tried even harder to recreate my past. But instead, I chose to put my entire life into the hands of God and let Him lead me. During the first twenty years I walked forward but always looked back. During the second twenty years, I only looked forward toward a mysterious promised land.

I invite all readers of Authors’ Lounge to Like ‘Catholic Housewife’ on Facebook. You can learn more about the book on

ReadersMagnet Authors' Lounge


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Robert Schöne

Here it is! The release candidate can now be downloaded at our download page. It contains some final fixes that increase user experience. Please, also checkout the new metric plugins, […]

For those of you, who missed it: We updated our software tar balls to the pre-release candidate on August, 1st. Here’s the Download Page

Within the last month we released beta versions at regular intervals. Yesterday, we uploaded the last beta version of the READEX tool suite, which will be followed by the pre-release […]

And another workshop. During the ISC High Performance 2018, we will co-host the workshop Energy Efficiency Tools for High Performance Computing (EETHPC). Check out the program at the workshop website. […]

Like last week, the READEX project together with the AllScale, the ANTAREX, and the EXCAPE project is organising the High-Performance Computing Approaches for Monitoring, Exploring, Optimizing and Autotuning (HPCAFE-2018) as […]


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What Car Should A Real Estate Agent Drive?

Published date: Nov 04, 2019

fancy man drive a luxury car

 Okay, we know this question is quite strange. So, is there a link between real estate and cars? Really? What do cars have to do with an agent’s ability to sell a house? Well, you may fall into the trap of thinking that a nice car can propel your real estate career. To some extent, you are right. Clients can be naive. However, if we were in their shoes, we would probably have the same thinking pattern. An agent who gets off a luxury car may be perceived as more competent and successful. In this article, though, we would like to shed light on this topic and help you pick the best car to impress clients.

Do you need a car to be a real estate agent?

When you chose to become a real estate agent, you must have taken into consideration the fact that you were not going to stand still at your desk all day. In this industry, you have to be on the move, constantly doing something to keep your business going and growing. So, besides the marketing activities that bring you new leads, you also have to search for properties and visit them together with the interested home buyers and renters. Not having a car or no longer being able to drive is one reason why real estate agents get out of business

Therefore, you can’t rely on public transportation all the time. Besides, many homes might be in the suburbs, where without a car, you are left with very few and costly options. (Rest assured, though - hitch-hiking is not among them.) So do you need a car to be a real estate agent? Absolutely yes. Get your driver’s license first and if your real estate brokerage doesn’t have a car ready for you, buy one. For real estate agents, the car is like any other tool of the trade - you can’t reach your highest potential without it. The last thing you want is to turn clients down because you can’t get to their address simply because they are too far out of town. And how would you sound if you had to wait for someone to pick you up for a meeting?

Why do you need a car as a real estate agent? Well, the reasons are quite obvious. Who can live without one these days? In the US, 272.5 million cars have had an owner in 2017. It seems that every adult in the US drives a car, however, there are many households with more than one car. Another question that may arise is, “Should you have a separate car for your business or can you use the family car to drive around for business purposes?”

It is a good idea to have two cars as a family. If you’re just starting out, don’t put too much emphasis on the car you drive. Don’t fret over the best car to impress clients. Focus on learning and invest in yourself. Invest in marketing! Once you become successful, you will be able to drive a more expensive car and work with a different type of clientele that you couldn’t have reached before. Driving a nice car that you can afford is a way of proving your success after all.  So, upgrading your car is one way of securing more commissions in the future.

And another piece of advice for rookie REALTORS® would be to buy a used car first, especially if they also have a mortgage to pay every month. Don’t put too much pressure on your finances by leasing a car. After all, cars don’t last forever and in just a few years, you will be able to replace it with a better-looking one.

Real estate agents need a car for the following reasons:

  • They have to drive around the city quite a lot
  • They have to meet with clients as well as with other real estate professionals in different places throughout the day
  • They can’t waste time relying on the public transportation network
  • They need flexibility and a car provides just that
  • They use the car to make money so they can deduct some expenses related to it and lower their taxable income
  • They may use the car to advertise their business with a nice car wrap
  • They can also pick up the clients when visiting properties, thus getting to know each other better

Why do so many real estate agents drive nice cars?

As we said earlier, clients are often struck by the first impression. But it depends on the real estate niche you have chosen. A luxury car may help if you’re dealing with high-end clients in upscale neighborhoods. But if you’re focusing on affordable housing for an average person, then driving an expensive car may intimidate your clients, making them think that you are not the right match for them. Some clients may want to feel that you are all on the same level. Sometimes, an ostentatious appearance is a turn-off. It doesn’t foster communication.

But real estate agents drive nice cars not because they want to show off, but simply because they can afford them. After tightening the belt for years, they now enjoy a well-established place in the real estate market, good reputation, and many positive reviews. And how did they get there? By listing their business on RealEstateAgent.com among other things. If you take your real estate career seriously and your name doesn’t come up in searches on The Official Real Estate Agent Directory®, then you are losing valuable leads. Find out how to take advantage of the REA Directory and call us today at 1-866-495-4953. We will help you choose the right marketing plan for your business.

The best car to impress clients

Every year, car manufacturers have a new model release, a new alphabet letter and a higher digit attached to it. Even if you purchased a car last year, it is already old and outdated. It fades in front of the latest model, although it may still look modern and luxurious. Who can buy a new car every year? Well, that’s not the point. To impress clients, all you need is a clean car. And if you carry yourself in a professional manner, you stand very high chances of being hired by your client, thus making more sales.

However, most people like to do business with “their kind of people”, so when meeting with a client, try to understand their expectations, and if you feel that your car may suggest that you are overcharging, rent a car for one day or use a relative’s to maintain a low profile. At the end of the day, your job as a real estate agent is not to impress your clients with your possessions, but to help them buy, sell or rent their home.

Top cars for real estate agents

Of course, we could give you plenty of brand names and outstanding models but, as you know, these will be considered old in a few years so we would have to update this article every year. You probably know what a luxury car looks like. It’s probably a BMW, an Audi or a Lexus. However, the top cars for real estate agents stay somewhere in the middle - not too cheap that you would feel ashamed to drive it on the streets, but not too expensive either.

Nevertheless, we can help you decide by revealing which brand sold the most cars in 2018 and that is Ford. According to Statista, Ford sold 2.3 million cars last year, followed by Toyota at 2.2 million and Chevrolet at a little over 2 million units. However, consumers seem to have more trust in the cars that proudly carry the logo of Lexus, Volvo or Subaru, according to the USA Today

Pickups are also very popular in the US and seem to last longer. Ford sold a record number of 797,238 SUVs in 2018, especially the F-Series. Ford Fusion and Ford Escape were also in high demand. Other cars that you can spot quite frequently are Toyota Camry, Toyota Corollas, and a few models from Honda such as Accord and Civic. What makes the last two brands so popular? The fact that they offer affordable cars that are easy to purchase by people from all income levels, regardless of their credit scores

Don’t let yourself be deceived by the popularity of a certain brand. Since you’ll spend a lot of time on the roads, a low fuel consumption is of utmost importance. According to motor1[dot]com, the top three models that carried you furthermost with only one gallon of fuel were Mitsubishi Mirage, Chevrolet Cruze Diesel Sedan, and Toyota Corolla Hatchback.

However, if you are a fan of Tesla, the company has sold over 150,000 vehicles so far, this year. For example, Model S is priced at $70,115 and can be yours with only $2,500 down if you can afford to pay about $1,000 per month on a loan or $824 on a lease. Tesla is for sure among the best cars to impress clients.

As your real estate business thrives and brings you more and more commissions, feel free to grow your luxury car collection and enjoy their horsepower when you’re not working. For your everyday meetings, though, try to maintain a balance between your car and your level of professionalism. There is no point in driving an expensive car when you’re just starting, still trying to get a hold of this huge and dynamic industry. Choose wise and drive safe!

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37 Cassia Street, Munno Para West SA 5115

  • 3 beds
  • 2 baths
  • 1 car
  • 300 sqm
  • House

Sold: Jan 2020
Comfort and Convenience you'll Love!
Comfort and Convenience you'll Love!

37 Cassia Street has been Sold

Freshly painted and featuring fantastic floating floors throughout, this home ticks all the boxes. The layout has been designed for busy family life with convenience and comfort considered at every turn.

Lovely low-maintenance landscaping feature in the front yard and back evoking a welcoming and relaxed feel throughout. Floating floors run...

  • Highlight Feature: Air Conditioning, Built-in Wardrobes, Close to Schools, Close to Transport, Close to Shops
  • Floor Area: 128sqm
  • Land Area: 300 sqm
  • Rooms: 4
  • Parking: 1 car

Recent Sales

See what properties like this have been selling for

Meet the Neighbours near 37 Cassia Street

SA1 - 4103214 See demographic, employment and income info about the people living in this part of Munno Para West
The average age is 25
Majority are Couples with children
Most residents Renting
Top 5 Occupations
Retail trade
Transport postal and warehousing
Administrative and support services
Health care and social assistance

Weekly Income

Munno Para West

Ask our agents about 37 Cassia Street, Munno Para West SA 5115

Edge Realty
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