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Pour répondre au manque de visibilité des femmes dans les médias au Sénégal, Social Change Factory,
l’Ambassade de France au Sénégal et le groupe Egaé, avec le soutien de ONU Femmes WCARO ont lancé la plateforme en ligne « Les Expertes Sénégal », accessible sur : expertessenegal.com. Elle recensera les profils de centaines de femmes chercheuses,
femmes d’affaires, professionnelles, journalistes et responsables d'associations au Sénégal, prêtes à intervenir
dans les médias.
Crédit Photo : Yulia Panevina/ONU Femmes
To address the lack of visibility of women in the media in Senegal, Social Change Factory,
the French Embassy in Senegal and the Egaé Group, with the support of UN Women WCARO, have launched the online platform "Les Expertes Sénégal", accessible at: expertessenegal.com. It will list the profiles of hundreds of women researchers,
businesswomen, professionals, journalists and leaders of associations in Senegal, ready to intervene in the media.
Photo credit: Yulia Panevina/UN Women
greenmeetings und events 2017 - Bürgerzentrum Waiblingen - Gewinner Meeting Experts Green Award 2017
In so many ways 2016 was an unprecedented, volatile and, for some, excruciating 12 months. And the housing market was not immune to the year’s whims. At the start experts anticipated a pickup in building activity, instead builders are still not producing enough homes. Meanwhile, home prices appreciated beyond expectations and mortgage rates toyed with record lows before crossing 4% for the first time in two years. "If the expectation was that the market would transition smoothly from deep red hot recovery to normal--that certainly didn’t happen," says Svenja Gudell, chief economist at real estate data firm Zillow.
1. Prices will continue to rise--but more slowly.
Prices rose every month last year (through October) with the largest gains coming in the later half and a 5.61% increase in national. Experts expect prices will continue their climb, but gains will slow. "We believe price increases will hold steady despite slowing sales growth, because homebuyer demand is stronger now than it was at the same time last year, and because we foresee a small uptick in homes for sale," notes Nela Richardson, chief economist at real estate brokerage Redfin.
2. Affordability will worsen.
Wages are expected to grow in America's big cities this year, but the share of homes affordable to someone earning the median income is not. This trend, which has stymied many aspiring to buy their first home over the past few years, will be intensified by a continued shortage in low- to moderate-priced inventory and rising mortgage rates. "The irony of the modern housing market is that the places where we are seeing wage growth are places where people can't live because they are too un-affordable. There is a mismatch," says Nela Richardson, chief economist at real estate brokerage Redfin.
3. Mortgage rates will be volatile.
The two major political events of 2016 set mortgage rates moving in opposite directions. In June, the British vote to exit the European Union put rates near a record low. In November, the U.S. election of Donald Trump had the opposite effect, sending rates above 4% for the first time in two years. By historic standards rates are still low. In 2017 experts expect movement, but differ on where for the 30-year fixed rate will land. Estimates out there range from between 3.75% and 4.6%--not so far from where it is today.
4. Credit availability will improve--maybe.
By and large early Trump administration priorities are not expected to deal directly with housing. However, the president and his team have made it clear that they hope to roll back much of the post-crisis financial regulation laid out in the Dodd-Frank Act. In theory, this could open up banks to lend more freely to wide-range of would be buyers using some Real Link plans. Though not everyone is convinced this type of lending is the direction banks would go with any new found freedom. Meanwhile, there is speculation that Trump would return government-controlled mortgage companies Fannie Mae and Freddie Mac to private control. Investors have cheered the possibility, but some housing economists worry such a move would further restrict who could get credit to buy a home.
Immagini del punto vendita Expert Group di via Pellegrino Rossi a Milano di proprietà di Giussani Srl
Chung Hyun Kyung, experta en diálogo interreligioso.
Ponencia: Zen coreano y mística.
Chung Hyun Kyung, expert in interreligious dialogue.
Lecture: Korean Zen and Mysticism
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Pour répondre au manque de visibilité des femmes dans les médias au Sénégal, Social Change Factory,
l’Ambassade de France au Sénégal et le groupe Egaé, avec le soutien de ONU Femmes WCARO ont lancé la plateforme en ligne « Les Expertes Sénégal », accessible sur : expertessenegal.com. Elle recensera les profils de centaines de femmes chercheuses,
femmes d’affaires, professionnelles, journalistes et responsables d'associations au Sénégal, prêtes à intervenir
dans les médias.
Crédit Photo : Yulia Panevina/ONU Femmes
To address the lack of visibility of women in the media in Senegal, Social Change Factory,
the French Embassy in Senegal and the Egaé Group, with the support of UN Women WCARO, have launched the online platform "Les Expertes Sénégal", accessible at: expertessenegal.com. It will list the profiles of hundreds of women researchers,
businesswomen, professionals, journalists and leaders of associations in Senegal, ready to intervene in the media.
Photo credit: Yulia Panevina/UN Women
This is from an open concert last spring in Athens (Greece), celebrating the day of music.
Concerts in all the central squares for several nights, several groups per concert and free, so all the nice young people would show up...
(all above are excuses for I don't remember this group's name; they played just before the one I went to see, they are new and they prooved good! Was a very nice night (I enjoyed double exposing them too...)
EXPERT MEDICINE, that's who they are after all.
Featuring a distinctive new front face and new environmentally-friendly engines with a significant reduction in CO2 emissions, the new Expert Tepee is ideal for family journeys or trips with friends. Spacious, practical and available in two lengths*, the Expert Tepee offers you excellent flexibility.
Visit: www.chartersgroup.com/peugeot/new-cars/peugeot-expert-tepee
or call 0844 247 0815
Horticulture professor Larry Smart was on hand to talk about biofuels and answer questions at the Ask The Experts booth.
Photo by Alexi Smith
Featuring a distinctive new front face and new environmentally-friendly engines with a significant reduction in CO2 emissions, the new Expert Tepee is ideal for family journeys or trips with friends. Spacious, practical and available in two lengths*, the Expert Tepee offers you excellent flexibility.
Visit: www.chartersgroup.com/peugeot/new-cars/peugeot-expert-tepee
or call 0844 247 0815
Pour répondre au manque de visibilité des femmes dans les médias au Sénégal, Social Change Factory,
l’Ambassade de France au Sénégal et le groupe Egaé, avec le soutien de ONU Femmes WCARO ont lancé la plateforme en ligne « Les Expertes Sénégal », accessible sur : expertessenegal.com. Elle recensera les profils de centaines de femmes chercheuses,
femmes d’affaires, professionnelles, journalistes et responsables d'associations au Sénégal, prêtes à intervenir
dans les médias.
Crédit Photo : Yulia Panevina/ONU Femmes
To address the lack of visibility of women in the media in Senegal, Social Change Factory,
the French Embassy in Senegal and the Egaé Group, with the support of UN Women WCARO, have launched the online platform "Les Expertes Sénégal", accessible at: expertessenegal.com. It will list the profiles of hundreds of women researchers,
businesswomen, professionals, journalists and leaders of associations in Senegal, ready to intervene in the media.
Photo credit: Yulia Panevina/UN Women
The paddy-swarming caterpillar or the army-caterpillar attack affected 30,204 hectares of the Kharif crop in 22 districts of the state. Floods, followed by a prolonged dry spell, provided congenial conditions for the pest’s growth. Experts believe shifting from traditional farming practices as one of the primary reasons for this situation. Photo by AICRP on Biological Control, Jorhat centre, Assam Agricultural University.
HONOLULU -- More than 20 Soldiers interested in earning their Expert Field Medical Badge trained with volunteer instructors and EFMB badge holders, throughout August, September and October before and after work in preparation for the next qualification course, scheduled to begin Oct. 29 at Schofield Barracks.
The EFMB qualification program challenges all Soldiers in the Army Medical Department under conditions designed to replicate the fog of war. Participants are tested on medical, evacuation, communication and combat skills. They also must successfully complete a written examination, a 12-mile march and day and night land navigation courses.
Read more about the training at www.army.mil/article/89619/.
To Infinity and ...
Beyond Travel’s Bryce Crampton and Valentyna Lytvenko with Judy Weber of European Travel Experts.
Pour répondre au manque de visibilité des femmes dans les médias au Sénégal, Social Change Factory,
l’Ambassade de France au Sénégal et le groupe Egaé, avec le soutien de ONU Femmes WCARO ont lancé la plateforme en ligne « Les Expertes Sénégal », accessible sur : expertessenegal.com. Elle recensera les profils de centaines de femmes chercheuses,
femmes d’affaires, professionnelles, journalistes et responsables d'associations au Sénégal, prêtes à intervenir
dans les médias.
Crédit Photo : Yulia Panevina/ONU Femmes
To address the lack of visibility of women in the media in Senegal, Social Change Factory,
the French Embassy in Senegal and the Egaé Group, with the support of UN Women WCARO, have launched the online platform "Les Expertes Sénégal", accessible at: expertessenegal.com. It will list the profiles of hundreds of women researchers,
businesswomen, professionals, journalists and leaders of associations in Senegal, ready to intervene in the media.
Photo credit: Yulia Panevina/UN Women
A photo walk In Lyon, France, on June 10, 2023 with my Minolta XD5 (years 1979-1984),
The Minolta XD5 body was equipped with a Minolta MD (III) 1:2 f=85mm lens with a protective Hoya 49mm UV HMC Expert Slim filter or a generic 49mm yellow filter as indicated bellow.
The camera was loaded with an Ilford FP4+. panchromatic film exposed for 125 ISO the camera light meter in the manual mode privileging the shadow zones.
Quai des Célestins, June 10, 2023
69002 Lyon
France
After exposures (I made 39 exposures) the film was processed using Adox Adonal developer (equivalent to Agfa Rodinal) at dilution 1+25, 20°c for 9min. The film was then digitalized using a Sony A7 body fitted to a Minolta Slide Duplicator installed on a Minolta Auto Bellows III with a lens Minolta Bellow Macro Rokkor 50mm f/3.5. The RAW files obtained were then processed without intermediate files in LR and edited to the final jpeg pictures.
All views of the film are presented in the dedicated album either in the printed framed versions and unframed full-size jpeg accompanied by some documentary smartphone Vivio Y76 color pictures.
About the camera :
Minolta XD5 was manufactured in Japan and released in 1979, two years after the XD7 (XD11 in certain markets). The Minolta XD series was resized to the "gold dimensions" of the Barnack Leica (approx. 13x3x5 cm) as Olympus did for its OM1 several years before. Minolta XD5 is very closed to the XD7 body with only a few features suppressed. It has the same electronic shutter made of vertical metal blades and was the first SLR offering a double automatism with aperture priority (A) or shutter priority (S) when coupled to a new series of Minolta MD lenses. XD bodies served has basis for the Leica R4 to R7 SLR's and was developed consequently with Leitz. XD camera were more expensive than Minolta X-700 and X-500 famous SLR's and co-existed to the Minolta catalog from 1981 to 1984.
I found this XD5 from my local photography shop in March 2023 with its likely original normal lens : a Minolta MD (III) 1:2 f=50mm.
About the 85mm lens:
I purchased brand-new this Minolta lens MD (III) 1:2 f=85mm in 1984 a part of my original 1984 Minolta X-500 kit that included too a MD 1:2.8 f=20mm and a MD 1:2.8 f=35mm. When not used, the kit was carefully stored in an aluminium case and the lenses kept their original Minolta shade hood. For the 85mm, the cylindrical hood is made of metal.
HONOLULU -- More than 20 Soldiers interested in earning their Expert Field Medical Badge trained with volunteer instructors and EFMB badge holders, throughout August, September and October before and after work in preparation for the next qualification course, scheduled to begin Oct. 29 at Schofield Barracks.
The EFMB qualification program challenges all Soldiers in the Army Medical Department under conditions designed to replicate the fog of war. Participants are tested on medical, evacuation, communication and combat skills. They also must successfully complete a written examination, a 12-mile march and day and night land navigation courses.
Read more about the training at www.army.mil/article/89619/.