 look at the wall in your classroom if you need a reminder!!! Screw the stats—you lift hearts. Immeasurable but exceedingly important!!
These double chocolate brownies are seriously the best ever: rich, fudgy, moist, and everything you could want in a brownie. Plus they’re easy to make!
Are words really necessary?
I fear a drawn out explanation of why I made these brownies would be superfluous. You have eyes; you can see the photos. I made them for the same reason you should make them: because they’re freaking amazing.
If you need more, how about this: they’re rich and fudge-like, not like those sissy boxed cake brownies. These double chocolate brownies bake up with that delightfully chewy crust- my personal favorite part- and magically crinkly top. If you pause long enough to admire them before digging in, you’ll notice they’re actually quite pretty.
In the event you devour them before you have a chance to look, you can always consult my photos for evidence.The ASX has taken a battering on resources stocks overnight, after analysts advised shareholders to batten down the hatches.
Yesterday, Royal Bank of Scotland (RBS) told clients to “sell everything except high quality bonds” and to brace for a “cataclysmic” year in which oil could sink as low as $16 per barrel.
The S&P ASX 200 Resources index closed at a high last week of 2276.30, since then plummeting to 2134.50 at close on Tuesday afternoon.
BHP shares on the ASX fell 46c (3 per cent) during trade yesterday, hitting $15.01 and continuing the trend of new ten-year lows. This morning has seen the price drop again to $14.65 (10:44 EST).
Rio fared slightly better yesterday, but had lost around $3.00 from the $42.02 high on Friday afternoon, a seven per cent loss.
Brent crude fell more than two per cent on the bad news from RBS, down to $US30.76 per barrel, a 20 per cent loss since the start of 2016.
In turn, Santos was hardest hit with an 8.1 per cent loss to $2.95, while Origin Energy dropped 4.7 per cent to $4.05.
Near-defunct iron ore miner Gindalbie Metals, looking to be on the verge voluntary administration on the expectation JV partner Ansteel will no longer prop up Karara Mining, fell over with a 38 per cent loss (0.021c to 0.008c) after a trading halt on Thursday.
However, Gindalbie has not conceded defeat, as it has yet to receive formal notification from Ansteel about news of the funding cut, which came in a staff memo from the CEO of Karara Mining last week.
Not everyone is so convinced by the RBS ‘end of days’ recommendation in terms of, as pointed out by Paradigm Securities chairman Barry Dawes.
Dawes was sceptical about the recommendation, suggesting that the market was nearing the end of its sell off period, and that market reactions were driven more by sentiment than the facts.
"People have had eight years to sell, BHP peaked in 2008, and the fundamentals are not that bad, as far as I can tell," he said.
"Every other time we´ve had one of these happen we´ve seen obvious deterioration in the real economy. But we´ve had record consumption in copper, aluminium, zinc, oil, and just about everything except for steel, but record exports of iron ore… all these things are really robust. LME inventories are not rising. They are still falling.”
Dawes said it seemed that the low sentiment and high sideline cash indicated the market was ready for bullish conditions rather than a crash.
"[The drop in the ASX] it´s just a capitulation phase, if people really were worried the gold stocks would be have been far weaker than they have been, but they haven´t, they´ve been the best performing sector."You're welcome. It takes strength to reach out for help, especially when you're currently in a difficult situation. You don't have to say where you are, but in Aus, I believe you should be able to get a bulk-billed doc appointment (free), and then get a mental health care plan referral - more here - https://headspace.org.au/explore-topics/for-young-people/mental-health-care-plan/ 

Support lines can sometimes be a mix and I understand that sometimes it's harder to connect with someone, but they will be more trained and knowledgeable than most of reddit :) 
have a look at some here:
https://www.betterhealth.vic.gov.au/health/servicesandsupport/children-young-people-and-mental-health-servicesSemarang, Indonesia is a beautiful coastal town that is often subject to flooding. With a population of 2 million, a lot of lives are at risk during a flood, not to mention the countless homes and other structures in the city. For this reason, the city, along with the aid of Grundfos and other governmental agencies, set out to create a pump station that would protect the city against floods.
Grundfos utilized their expertise in creating flood protection systems in combination with their state-of-the-art pumps to create a pump station for the city. The station is now fully functional and consists of eight propeller pumps that are capable of pumping 36,000 liters of water per second. In the event of a major flood, the pumps will be able to pump and divert water away from dwellings and citizens to reduce casualties and damages to the city.
This is the biggest project that Grundfos has completed in Indonesia, and they are happy to be providing the city with much needed safety from dangers they consistently face. Grundfos is in the process of training governmental agencies in Semarang to completely operate the pump station. Once they are trained, Grundfos will be available for any support the city may need regarding the pump station, but will give complete control of the station to the city.
Grundfos offers a range of stormwater tanks, pumps, and control and monitoring systems to provide any municipality with the tools they need to prevent flooding in low-lying areas around the world. For a full list of equipment, support, and ideas, contact Cortech today for any information you may need or to place an order. Cortech proudly provides quality Grundfos equipment worldwide.Due to getting Covid a couple of days ago, I didn't feel up to recording a new podcast. So, I picked a show from last year and did a minimal amount of editing to bring you this week's episode. It has a nice vocal set as well as other good music.Earlier this week, HP announced its pledge to assist government agencies to maximize storage investments with new offerings that include the next generation of its MSA entry disk array, enhancements to the HP StoreEasy Storage portfolio and a new program for HP channel partners.
The new HP MSA 2040 Storage system simplifies management and improves performance up to four times faster than traditional external disk storage solutions. The enhanced HP StoreEasy Storage portfolio enables SMBs to efficiently manage and protect increasing amounts of file data without the need for special skills.
2171 HitsIf you filed a homeowners insurance claim and weren't satisfied with your insurance company's decisions, you can fight back. You have several options, including hiring a lawyer to improve your settlement.
Filing a homeowners insurance claim is rarely something to look forward to. At best, it involves tedious paperwork. At worst, it's a complicated nightmare involving considerable damage to your home. And no matter the outcome, filing a claim almost always means your insurance rates will go up.
Fortunately, studies show that lately most homeowners end up satisfied after filing a claim. J.D. Power found that "overall satisfaction for property claims has reached an all-time high" in their 2018 home insurance study. The 86 percent claim satisfaction rate is despite the fact that property owners faced record losses in the last year.
But not everyone is satisfied with the result of their home insurance claim. Whether it's a denied claim or a low-ball payout, claim disputes happen. The 86 percent claim satisfaction rate still leaves 14 percent of homeowners unhappy.
According to the Insurance Information Institute, the average home insurance claim amount was $11,402 in 2015, the most recent year this data is available. Considering an average home insurance policy costs $1,173, an average claim pays for 10 years of coverage. $11,402 is a sizeable payout, and our findings show that it's enough to seek legal help to get it.
While hiring a lawyer is normally an expensive process, there's minimal financial risk in getting legal help for an insurance claim. That's because many lawyers are willing to fight insurance cases on a contingency fee basis. With a contingency fee, lawyers are paid a percentage of the claim amount they recover. This makes hiring a lawyer less of a gamble.
Less than five percent of lawsuits make it to trial. Your insurance company doesn't want to spend the money to fight you in court. If you have a good case, chances are high that you will receive an offer to settle.
This article will cover your options to fight a home insurance claim decision. It will also cover scenarios in which you need to seek legal help, and things to consider when doing so.
Disputes between the insurer and insured happen. The insurer wants to pay as little