Who would have believed it was possible after Griffin was sidelined by a sprained left knee and then a concussion? Or when guards Patrick Beverley, Austin Rivers and Milos Teodosic were sidelined by injuries? Or when small forward Danilo Gallinari and center DeAndre Jordan were hurt?The Clippers regrouped again and again and again. They did it one more time Saturday, while playing without Beverley (season-ending knee surgery), Rivers (ankle injury), Gallinari (gluteus maximus injury) and Jordan (ankle). And they still beat the Kings by 21 points.Related Articles PreviousSacramento Kings guard George Hill (3) fouls Los Angeles Clippers center Willie Reed (35) in the first period of an NBA basketball game in Los Angeles Saturday, Jan. 13, 2018. (AP Photo/Reed Saxon)Los Angeles Clippers forward Sam Dekker, left, drives as Sacramento Kings forward Skai Labissiere, right, defends in the first period of an NBA basketball game in Los Angeles Saturday, Jan. 13, 2018. (AP Photo/Reed Saxon) SoundThe gallery will resume insecondsSacramento Kings center Willie Cauley-Stein (00) fouls Los Angeles Clippers forward Blake Griffin (32) in the first period of an NBA basketball game in Los Angeles Saturday, Jan. 13, 2018. (AP Photo/Reed Saxon)Sacramento Kings center Willie Cauley-Stein, left, drives as Los Angeles clippers forward Blake Griffin, right, defends in the first period of an NBA basketball game in Los Angeles Saturday, Jan. 13, 2018. (AP Photo/Reed Saxon)Sacramento Kings guard De’Aaron Fox defends as Clippers guard Lou Williams drives during the first half of Saturday’s game at Staples Center. Williams scored 26 points in a 126-105 victory. (AP Photo/Reed Saxon)Sacramento Kings guard George Hill (3) fouls Los Angeles Clippers center Willie Reed (35) in the first period of an NBA basketball game in Los Angeles Saturday, Jan. 13, 2018. (AP Photo/Reed Saxon)NextShow Caption1 of 5Sacramento Kings guard George Hill (3) fouls Los Angeles Clippers center Willie Reed (35) in the first period of an NBA basketball game in Los Angeles Saturday, Jan. 13, 2018. (AP Photo/Reed Saxon)ExpandLOS ANGELES — The Clippers don’t care how many of their teammates are injured. They don’t care about trade rumors. They don’t care about chatter about their coach’s future. They don’t care about getting respect. They don’t care what anyone thinks of them.What matters is they do care about each other and they do care about playing the game they love with energy and effort. They have bought what Coach Doc Rivers is selling and the results were on display again Saturday, when they routed the Sacramento Kings 126-105 at Staples Center.“I always try to find the good in any situation,” Clippers power forward Blake Griffin said.There was a lot to like about the Clippers during their fourth consecutive victory, which vaulted them back to .500 at 21-21 and moved them within a half-game of the idle New Orleans Pelicans in the battle for the eighth and final playoff spot in the Western Conference. Clippers vs. Mavericks Game 5 playoff updates from NBA beat reporters For Lakers’ LeBron James, Jacob Blake’s shooting is bigger issue than a big Game 4 victory Eight players scored in double figures, including all five starters. Lou Williams scored 26 points, his 12th consecutive game with 20 or more. Montrezl Harrell scored 17 points in a reserve role and Willie Reed, filling in for Jordan, added 14 points and a season-high 13 rebounds.Willie Cauley-Stein led the Kings (13-29) with 23 points and 13 rebounds.Sacramento scored the game’s first four points and then the Clippers roared past, leading by 30-17 by the end of the first quarter. The Clippers were never in jeopardy after building a 64-45 advantage by halftime. They led by 25 in the fourth quarter. Newsroom GuidelinesNews TipsContact UsReport an Error What the Clippers are saying the day after Luka Doncic’s game-winner tied series, 2-2 Clippers hope they can play to their capabilities, quell Mavericks’ momentum The Clippers were in command and it didn’t matter who was on the court.“I think our guys have bought into how we need to play,” Doc Rivers said. “Even if we were healthy we would need to play like this, with the spacing, but not being healthy we have to play like this, and I think every single guy has bought into it.”The Clippers learned to play without Beverley, Gallinari, Griffin, Rivers and Teodosic and, most impressively, they have learned to play with them back in the lineup. Or, to be more precise, they learned to play with Griffin and Teodosic back on the court. The others remained sidelined.Jordan was the last of the Clippers’ opening-night starters to be forced out by an injury. He sprained his left ankle during the Clippers’ victory Thursday over the Kings in Sacramento and sat out for the rematch Saturday in Los Angeles after he was listed as questionable to play.Reed replaced Jordan and the Clippers rolled to their 10th victory in 13 games.“Everyone can step up,” said Reed, who made all six of his shots. “It doesn’t matter who it is. It’s been Jawun (Evans). It’s been Montrezl. It’s been Sam Dekker. It doesn’t matter who it is. We just try to come in and do our job and try to help the team win.” Kristaps Porzingis ruled out as Clippers, Mavericks set for Game 5; Follow for game updates
For many, it is also the only affordable option if they find they have outgrown their home and need more space for the family. In the same survey, one quarter estimated that they had spent between €1,000 and €3,000 upgrading their home. 10% spent between €3,000 and €5,000.Many households planning on renovating their home understandably would not have this spare cash to hand. It can be tempting for them to fund the planned renovations through the credit card. However, with the high levels of interest charged, even if you clear the minimum balance, this can end up being a very pricey decision. For the cost-conscious home improver – a credit union loan is the best option, and are often approved very quickly. Indeed, the ILCU survey found that of those needing to borrow to fund their renovations, six in ten said they would use their local credit union. Other benefits to the home improvement loan include the willingness of the credit union to work with each individual borrower to structure repayments in a way that will suit their individual circumstances. There are no hidden fees or administration charges. Borrowers are also free to repay the loan early, should they wish, without any penalties. How to renovate your home without overhauling your budget was last modified: April 8th, 2019 by Staff WriterShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:Financehome improvement loanLetterkenny Credit UnionRenovations Ciaran Haran, chairperson of Letterkenny Credit Union explains why a credit union home improvement loan is a solid choice for those wanting to renovate their home without incurring unnecessary debt: “We offer the loan at a great value APR rate of 8.2%**. Which means that if you borrow €10,000, you will end up paying back just €202.54 over 60 months. So it’s a very cost-effective option. Not only that, but our loans are typically approved within 2 days, so you can get started on those renovation plans right away. We are also happy to offer our loans to brand new members – so there is no requirement for you to have saved with us for a period of time before you can avail of the loan.” “So whether your plans include building on an extension, overhauling the kitchen, laying new carpets or floorboards, or just giving your home a new lick of paint, talk to us here at Letterkenny Credit Union. You’ll find we are happy to provide flexible loans of any size to suit your grand design plans!” Ciaran said. For further information please visit our website www.letterkennycu.ie or email us [email protected] ** For a €10,000, 5 year variable interest rate loan with 60 monthly repayments of €202.54, an interest Rate of 7.95%, a representative APR of 8.25%, the total amount payable by the member is €12155.26. Information correct as at 05/03/2019 Thinking about sprucing up your home this season? Here, the team at Letterkenny Credit Union have this guide to why their affordable home improvement loans are a solid choice:Spring is officially here – and the change of season is one of the best and most popular times of year for home improvements. Home upgrading is a trend which has seen somewhat of a surge in popularity in recent years – and for good reason. A refurbishment can completely transform a home. A nationwide survey by the Irish League of Credit Unions (ILCU) found that a significant two thirds of adults had carried out home improvements between 2014 and 2017.
A handsomely-dressed emperor penguin made the cover of Science News this week. Gerald Kooyman of Scripps Institute is gratified over the success of the documentary March of the Penguins; “I’ve been telling people they’re remarkable for years,” he said. In the article, Susan Milius brought out several additional amazing facts not mentioned in the film.Diving Champs: Emperor penguins can dive as deep as 500m for up to 20 minutes, without getting the bends or excess free radicals in their blood. This is enabled by several adaptations: the ability to lower their heart rate during dives from 200 to 60 beats per minute, storage of extra myoglobin in their tissues, and storing more blood per body weight than humans. Their stiff bodies and flexible flippers also reduce drag, making them better designed hydrodynamically than most mammals, the article claims. “They can keep swimming even when their bodies’ oxygen stores have been depleted beyond levels that would knock out a human diver,” a photo caption states; specifically, 20mm of mercury, compared to a human’s lower limit is 25mm. Scientists still do not understand how the birds can avoid damage from the rush of blood as they surface rapidly and catapult onto the ice.Marching Champs: The birds make their long marches in complete silence. Some colonies have a few hundred breeding pairs; others can have 10,000. There are about 40 colonies known. In midwinter, there is only three hours of dim light per day sandwiched between 21 hours of darkness under aurora-spectacled skies.Huddle Champs: The conditions during storms look miserable to us, but the male birds huddle to conserve body heat, and actually get “toasty” at 20° C in groups. A male could only survive alone only down to -10° C; in groups, they can lower their metabolic rate by 40%. They seem to actually have to go outside once in awhile to cool off; at all times, however, the safety of the precious eggs must be the highest priority. Inside the huddle, their heads on flexible necks can be seen sticking up like periscopes once in awhile, with little puffs of warm air indicating things are OK. In springtime, the young learn to huddle early. Both parents go off to forage as soon as they can, leaving the young in playgroups to learn on their own.Diet Champs: The males incubating the eggs all winter actually starve themselves with their bellies full, the article says. They are able to block their digestion and maintain enough store to feed the growing chick with reserves till the female returns.Travel Champs: Radio-collared penguins have been found to forage as far as 1,900 km at sea.Fashion Champs: Those tuxedos have to come off once a year. In the summertime, the birds fast again for a month, standing on ice floes to molt. All the old feathers come out and the new fluffy ones come in underneath. The undercoat of down provides an insulating layer of air, and the oiled outer feathers provide a “waterproof dive suit” that compresses underwater, keeping the downy feathers dry and preventing the chilly water from reaching the skin.The new suit comes in just in time for the birds to forage and begin the next long march. “How can emperor penguins live like that?” Milius titled her article. The answer is in their exquisite physical adaptations. Working together, these adaptations, from cell chemistry to finished coat, give them a life they seem to enjoy in one of the harshest environments on the planet.1Susan Milius, “How can emperor penguins live like that?”, Science News, Week of Oct. 22, 2005; Vol. 168, No. 17 , p. 26.Fortunately, Susan Milius did not try to speculate on how the emperor penguin evolved. If you tried to count how many lucky mutations would be needed to evolve from a dinosaur to an early bird to an emperor penguin, what number would you come up with? Hundreds? Thousands? Tens of thousands? It’s a total remake. The biochemistry of the cell, the oxygen handling capabilities, the pressure protection and scuba gear, the dive suit, the lungs, the bones, the dietary adaptations, core body heat, timing of the molt, ability to waddle upright, the stiff body and flippers, the incubating patch and tough feet, eyes adapted to deep underwater vision, navigating ability over vast distances on ice and in the sea – and these are just some of the physical changes that the ambitious dinosaur would need. Then there are the behavioral adaptations. How did the penguins learn to transfer the egg from the female to the male without breaking it, and when did the male decide to forego eating for months, holding the egg on its feet? How did the males overcome their usual territoriality instinct and decide to pack in tightly together, 10 birds per square meter? How did the females figure out when the eggs would hatch, and learn to forage only long enough to get back in time to feed them and give hubby a well-deserved break? How did they find their way back to the correct nesting site? What made them regurgitate their own food for the sake of a chick they had never seen before? How do they find their mates when everyone looks alike? How do the feathers know when to molt all at once (unlike on air birds, who molt continuously), so that the reupholstering job minimizes time out of the water? Where did they learn those rocket jumps out onto the ice? How do the young catch on to all this so fast? Evolutionists provide only empty speculations for these things, arguing from ignorance that “if these mutations had not occurred, the penguins would not be there.” That only assumes their materialistic view without explaining the observations. Creationists may not be able to explain everything about why God would create emperor penguins to live like this, but they surely need far less faith than an evolutionist. If this were the only example of a creature possessing dozens of tight-knit adaptations needing to function together simultaneously or not at all, it would be challenging enough for evolutionary theory. Now let’s talk about giraffes, bats, water striders, cheetahs, geckos, kangaroos, hummingbirds, humans….(Visited 10 times, 1 visits today)FacebookTwitterPinterestSave分享0
28 April 2015As South Africa entered its third decade of freedom on 27 April, President Jacob Zuma recommitted his government to the vision of building a united, non-racial, non-sexist, democratic and prosperous South Africa.“We recommit ourselves as government to ensure that all policies and plans that we develop and implement, build a better future for our children and the youth,” he said at the official Freedom Day celebrations on the lawns of the Union Buildings in Pretoria.Freedom Day this year was celebrated under the theme: “Celebrating the third decade of our freedom through accelerating radical economic transformation.”The mood was more sombre than in previous years among the hundreds of people at the official celebrations, with some wearing T-shirts condemning the recent attacks on people from other African countries.For 47- year -old Martha Mamonyane from Mamelodi, freedom means equality and expression. “For me, to be free is to be able to complain and take to the streets without fear of being arrested,” she said. “I still have complaints; there are no jobs, but we have come a long way as a country. For example, my grandchildren go to non-racial schools.”Plenty of possibilitiesTinyiko Maluleka, 23, said he felt that he lived in a country that was alive with possibilities. “I think maybe there’s some hope. We might need 30 years after 1994 for everyone to fully see the outcomes of our freedom but I believe we are not far from the right track. For now, I am grateful that I can do my own thing and be openly gay [and] no one can tell me anything.”Mandy Sithole, 31, was moved by how South Africans were coming together, despite some “intolerances” from a few people in the country. “No matter what, South Africans always come together. For example, people from all walks of life stood together in condemning the attacks on our African brothers and sisters in certain parts of the country,” she said.“We united in saying not in our name and time, which is one of our best traits as a country.”Sithole also felt that the country was doing well in promoting individual rights and freedoms. “We now all have rights, but our need to emphasise the fact that our rights do come with responsibilities. Many still need to be educated and more progress can be done in this regard.”But not everyone was optimistic. Emmanuel Chaane (37) said there were a lot of things happening in South Africa which he felt needed to be addressed speedily. “We still have poverty, crime like we still kill two-year-old kids, rape our children and of course unemployment. that’s not freedom,” said Chaane, who attributed most of these ills to the sense of laziness.“Having said that we have our little positives. I think South Africa has a lot to offer for those who want to be in it. We have, to a large extent, political freedom and freedom of association.”A better futureThe president told the large crowd filling the white marquee that the country was in a much better place than it was 21 years ago, despite its challenges. “Millions of people now have access to education, health care and water which they did not have in 1994. We continue to explore ways to improve quality education. We continue to implement programmes which will lead to economic freedom.”The government would use the National Development Plan to achieve the type of society South Africa wanted in 2030. The government had also put in place other programmes to reach these goals, such as Operation Phakisa, the massive industrialisation and infrastructure programmes. These were set up to include in the economy previously disadvantaged people, women, youth and people with disabilities.“We are still learning but we are determined,” Zuma said. “We are working to build a future where every citizen of our country lives in a community with proper infrastructure, be it a road, school, clinic, recreational facilities, a community hall, electricity, water and sanitation. We are building communities that have effective and responsive police stations and community policing forums, and where the people and the police work together to fight crime.”Democratic electionsSouth Africa marked 21 years since its first democratic elections, held on 27 April 1994. This year also marks the 60th Anniversary of the Freedom Charter, the historic road-map to the country’s struggle for freedom and ultimately the achievement of democracy.Given the country’s harsh realities, the government should make the economy receptive to employing young people. This would enable them to create their own jobs through becoming entrepreneurs. The president called on the business sector and labour to work with the government to implement the youth employment accord and to provide opportunities for young people.“We want to end the feeling of hopelessness and frustration among the youth, particularly in the townships and rural villages.”For his part, Gauteng Premier David Makhura said democracy was a fundamental basis to any freedom. To achieve a fully democratic country, South Africa needed to mobilise society as a whole.It is for this reason that the country needed to rely more on the energies and intuition of its people to achieve its goals. “We have a good story to tell. However, we need a radical action to transform and tackle poverty, unemployment and inequality,” he said, adding that democracy had its own problems.“We are coming of age, we are now much noisier. but problems should be solved through democracy and not violence.”Source: SAnews.gov
Share Facebook Twitter Google + LinkedIn Pinterest The weather in Minneapolis this week continues to be cool and wet. Maple trees are already starting to show fall colors, not unusual for this time of year, but certainly a sign that harvest is approaching.The USDA report showed yields higher than trader expectations, but there are still two weeks of weather that can have a big impact. Realistically, beans could easily trade to $8 or rally to $11. Bulls say the growth in demand for high protein crops (beans especially) have a very promising future. Bears say at some point stock piles need to be moved and processed. It’s still uncertain how much pressure will be placed on the market for the next few months.And then there is basis, which is the lowest its been in 10 years, coinciding with the highest carryout in 10 years. Kansas City, for example, was trading -50 earlier this year when normal values should be +10. These same spread values can be seen in the East and North too.Considering the large crops from both South America and the U.S., it’s relatively easy to understand why beans have remained in a carry market (where the market pays to hold beans) the entire year. However, it’s difficult to understand why bean values have stayed over $9.50 (sometimes $10) for any length of time with such low basis values across the country.I store my beans every year because I can’t logistically haul them to the processor at harvest and I prefer to move them after January. Therefore, I usually wait for a basis rally to move beans later in the year. Considering that last spring beans were trading at profitable levels while corn was not, it was reasonable to expect bean planted acres to increase in 2017, ultimately pushing down bean prices. If this happened basis levels may have eventually improved and I could take advantage.The USDA report showed higher than expected yields and rain is in the forecast for much of the Midwest, so futures have dipped. This helped push basis to the highest levels this year. Therefore, I pulled the trigger on my 2016 bean production, receiving -.55 against Nov futures (picked up on my farm). This was 15 cents better than my local processor’s bid and 25 cents better than my local shuttle loader. And this is after subtracting freight costs and potential dividends (note, I always include all cost factors to be sure I’m getting the best price).While basis levels aren’t where they have been compared to past years, I’m pleased I was able to sell my basis at the highest price of the year. 2016 market summary for beansWith basis levels secured I can calculate my final 2016 bean prices. Every year I analyze how well I did in futures, basis and market carry. Each of these marketing categories move independent of each other, so I want to identify each area of success and missed opportunity. I can then use this information to make better decisions in the future. Following details my cash value by marketing category.As mentioned above, the basis level I set was the highest this year so far. Below is a chart of how basis trended near my farm.Usually basis gets a bump after harvest, but basis remained flat due to huge U.S. and global bean stocks. With harvest just around the corner, the potential of a basis rally is low. Market carryBean market carry is very tricky. Carry is usually minimal (if available) because there is a narrow window when exporters want US beans after harvest, but before the March South American harvest. This year was a bit unusual because there was a fair amount of carry through August. In the end, it was a matter of playing the spread game between all the months.The chart below shows I captured 22 cents of market carry by moving sales to Aug. I then captured another 12 cents moving to Nov futures. I did well, but it’s fair to say there were a few times where I could have made a bit more premium, however I would have had to do things perfectly and capture several inverses too. Once again, I avoided the risk of a grand slam or a strike out possibility and went for the base hit.Futures2016 Average futures prices – $9.33There were several trades contributing to this position. The first started on 3/22/16 for $9.20 and the final was Apr 2016 (prices included 9.21, 9.60 and 10.00). Included in these positions are several options trades that included premium when beans were trading between $8.50-8.80 post 2015 harvest.In hindsight, I’m a little disappointed in the final results of my futures positions. But, I need to keep perspective by reading my notes when I made these trades:1. Everything I sold was ABOVE my breakeven points. Since I want to keep farming year after year, staying profitable is the most important goal.2. Considering the significant carryout in beans, many in the trade (including me) thought there was limited upside potential. (Therefore, refer back to #1)3. When I placed these trade orders in late 2015 and early 2016 futures were $8.72 and many feared $8 was a reality. Many farmers at the time would have considered $9.25 to be a success. Therefore, I took the opportunity when it was presented.4. Most farmers using a risk management strategy had a similar outcome. Risk management is extremely important to the success of my farm operation, so I’m very careful to make sure risk is minimized on all trades. I want constant base hits, not grand slams with a high likelihood of striking out.5. The eventual $11 futures was unexpected considering worldwide events. The South American harvest has a big impact on bean prices. Around 60% of global beans are produced there, so it’s easy to see why. When their harvest was wet and pods opened up and dropped kernels on the ground it had a big impact.6. The way $11 futures occurred was an outlier. It’s not something I’ve really seen before, and it’s hard to plan for. Summary of TradesMany farmers don’t look at the three marketing categories above independently, but they should. Looking at basis, carry and futures individually allows farmers to optimize their grain marketing strategy to more efficient and profitable levels while minimizing risk. Some years (like this one) I can hit the top of the basis market. Other times unexpected events can cause basis to move differently than historical trends suggest and I don’t hit the top. This can be said for futures and carry too.By breaking out the price categories farmers can maximize their profit potential. It’s impossible to predict the market, but farmers can help themselves by taking advantage of every opportunity out there.Jon grew up raising corn and soybeans on a farm near Beatrice, NE. Upon graduation from The University of Nebraska in Lincoln, he became a grain merchandiser and has been trading corn, soybeans and other grains for the last 18 years, building relationships with end-users in the process. After successfully marketing his father’s grain and getting his MBA, 10 years ago he started helping farmer clients market their grain based upon his principals of farmer education, reducing risk, understanding storage potential and using basis strategy to maximize individual farm operation profits. A big believer in farmer education of futures trading, Jon writes a weekly commentary to farmers interested in learning more and growing their farm operations.Trading of futures, options, swaps and other derivatives is risky and is not suitable for all persons. All of these investment products are leveraged, and you can lose more than your initial deposit. Each investment product is offered only to and from jurisdictions where solicitation and sale are lawful, and in accordance with applicable laws and regulations in such jurisdiction. The information provided here should not be relied upon as a substitute for independent research before making your investment decisions. Superior Feed Ingredients, LLC is merely providing this information for your general information and the information does not take into account any particular individual’s investment objectives, financial situation, or needs. All investors should obtain advice based on their unique situation before making any investment decision. The contents of this communication and any attachments are for informational purposes only and under no circumstances should they be construed as an offer to buy or sell, or a solicitation to buy or sell any future, option, swap or other derivative. The sources for the information and any opinions in this communication are believed to be reliable, but Superior Feed Ingredients, LLC does not warrant or guarantee the accuracy of such information or opinions. Superior Feed Ingredients, LLC and its principals and employees may take positions different from any positions described in this communication. Past results are not necessarily indicative of future results. He can be contacted at [email protected]
Most of the things that make sales go faster are bad for long term relationships–and longer term results.Trying to close faster only creates resistance on the part of your buyer. Making sure that you take them through all of the stages of their process, even if it feels like it may take you longer, gets you to the final commitment sooner and with your relationships in tact.Telling the client what they want to hear so that you can make a sale might get you the business faster than telling them the truth about what they really need, but your deal will be short lived. By trading time for what is right, you damage the long term relationship, and you most certainly leave yourself open to be competitively displaced by a truth-telling salesperson.Avoiding consensus-building and collaboration because you fear it will take longer to strike a deal by involving more stakeholders might seem like a good plan to compress time and get the win across the line. But if for some reason your power sponsor gives you the green light, you will struggle with all kinds of execution problems because you didn’t really do the work to discover what your client needs and you didn’t allow the people you serve to collaborate on the solution. By neglecting and/or avoiding people, you damaged relationships.If you feel like you have to race to make your number, it’s because you don’t have enough opportunities to reach your goals and you aren’t gaining all of the smaller commitments you need to move forward the opportunities you do have. To go faster, you have to take your time and do better work during every sales interaction. Fast is slow, and slow is fast. Essential Reading! Get my 3rd book: Eat Their Lunch “The first ever playbook for B2B salespeople on how to win clients and customers who are already being serviced by your competition.” Buy Now